vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a telephone call from ( XXXX ) XXXX. My caller ID displayed the caller as " XXXX, '' which is the published Member Services number for State Employees ' Credit Union ( SECU ), where I maintain my account. The caller identified himself as a representative of SECU 's Debit Card Fraud Department and stated that fraudulent activity had been detected on my account. The caller appeared legitimate because he knew the last XXXX digits of my Social Security number and used language consistent with a financial institution 's fraud prevention process. The caller asked whether my debit card was linked to XXXX XXXX or XXXX. He then placed me on hold and later stated that he had contacted XXXX XXXX and discovered a pending charge of {$2300.00}. He advised me that immediate action was necessary to protect my funds and instructed me to complete a transaction using account information he provided, including a XXXX XXXX account. Believing I was working with SECU 's fraud department to prevent unauthorized activity, I followed the instructions provided. Because approximately {$150.00} was already available in my XXXX XXXX account, {$2200.00} was transferred from my SECU account. Immediately after the transaction was completed, the call was disconnected. I became suspicious and immediately contacted SECU directly. During that conversation, I learned that the caller was not affiliated with SECU and that I had been the victim of a scam involving caller ID spoofing and impersonation of a financial institution. The transfer was not intended as a payment to a XXXX party. I completed the transaction only because I believed I was following instructions from SECU 's fraud department to protect my account from unauthorized activity. I reported the incident to SECU immediately after discovering the fraud. I also disputed the transaction ; however, the dispute was denied. On XX/XX/year>, SECU removed the provisional credit of {$2200.00} from my account. At the time of the incident, I was attending a medical appointment related to my recovery from XXXX XXXX XXXX, including a XXXX I believe the scammers intentionally impersonated my financial institution and used personal identifying information and caller ID spoofing to gain my trust and induce the transfer of funds. I am requesting that this incident be documented and investigated as a financial institution impersonation scam involving electronic transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
A charge was made on my credit card for {$2000.00} on XX/XX/year> at a XXXX XXXX in XXXX XXXX oregon. I was alerted by Bank of America that there was potential fraud activity on that day by text. I responded within an hour that this was not me. They canceled my card at that moment. I received a notice a week later that they had denied my fraud claim. They claimed that myself or someone I gave permission to, made an in-person purchase. I then called the fraud department and told them I was actually on an airplane when the purchase took place and could not have been at the store at that time. Finally I sent documentation that proved I was on an airplane at the time of the charge. There is no way I made the charge. XXXX Bank of America denied my claim again saying that I or someone I gave permission to made the charge which amounts to an accusation. Perhaps Bank of America should : Force proof of XXXX : that Bank of America provide the exact technical logs showing a successful XXXX entry, rather than a bypassed signature. Perhaps this was an act of card cloning : Perhaps " shimming '' devices can clone chip data to duplicate physical cards. Either way, this was not me and I am concerned about how someone would be able to have this data of mine. I had the physical card with me the whole time. You can see a charge I made in XXXX XXXX on that day ( which us where I was ). I am now seeing an additional charge in LA for just a few dollars that was not me either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
They denied my gap inaurance claim after their agent said i gave everything i needed then the day the deadline ended they called and said they needed additional documents that are impissible for me to retrieve and denied my claim this is textbook agaisnt the law i want the negative remarks removes from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) approved my FHA XXXX XXXX XXXX and trial payment plan for my mortgage at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX. I made XXXX payments of {$3200.00} each. Before the permanent modification was finalized, XXXX transferred servicing to LoanCare effective XX/XX/year>. LoanCare has ignored the approved modification terms and increased my monthly payment from {$3200.00} to {$3800.00}. They began collection calls even though account in dispute and the trial plan was completed. I sent a Notice of Error by certified mail. ( tracking XXXX XXXXXXXX, delivered XX/XX/year> to XXXX XXXXXXXX VA XXXX ). LoanCare has not acknowledged it within XXXX business days or responded within XXXX days as required by RESPA 1024.35 LoanCare 's statement show my trial payments were placed in " partial/unapplied '' status instead of being applied to principal and interest, which violates RESPA 1024.35 ( b ) ( 10 ). I am requesting that LoanCare honor the XXXX modification and partial claim, correct the payment amount, apply all trial payments properly, and provide a written explanation of the payment increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Against Truist Bank I am filing this complaint regarding Truist Banks decision to close my checking account without warning at a time when doing so caused severe financial hardship. I had been a customer of Truist Bank for an extended period and maintained my account throughout a period of unemployment. During that time, I relied on unemployment benefits and experienced financial difficulties while actively searching for work. As a result of being between jobs, my account became overdrawn. After months of unemployment, I finally secured employment and was scheduled to receive my first paycheck. However, on or around the same time my wages were expected to be deposited, Truist closed my account without prior notice that would have allowed me to make alternative arrangements for receiving my paycheck. The timing of this closure created significant financial harm. I was already facing eviction and depended on my upcoming paycheck to address my housing situation and other essential expenses. Because the account was closed, I was unable to access funds that I urgently needed for rent and basic living expenses. Had I been given reasonable notice of the impending closure, I could have updated my payroll information and taken steps to avoid the disruption. I understand that financial institutions may choose to close accounts under certain circumstances. However, I believe Truist failed to provide adequate notice and failed to consider the foreseeable harm that would result from closing an account immediately before a scheduled payroll deposit. I am requesting that Truist provide : 1. A detailed explanation of the reason for the account closure. 2. Documentation showing when and how notice of the closure was provided. 3. Information regarding the handling of any incoming direct deposits after the account closure. 4. Any available assistance or remediation for the financial hardship caused by the timing of this closure. As a long-time customer who remained with the bank during a period of financial difficulty and unemployment, I believe I deserved fair notice and an opportunity to make alternative banking arrangements before my account was closed. Thank you for your review of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, they closed the previous CFPB complaint and issued a confusing letter admitting to banking errors on their end and then falsely claiming that they are in the process of closing out the accounts. However, the accounts are not closed. They continue to hold my {$10000.00} in funds and when I call in they literally pretend to hang up on me and when I chat in they tell me I need to call in. The issue remains open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
This account is on my credit report. I did not open it. It is there along with other. I have been hacked. Along with my credit they have gotten some personal information along with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX ... XXXX ) from XXXX XXXX XXXX XXXX, financed by Santander Consumer USA. I am a Lead Mechanic and have uncovered a systemic scheme of fraud and concealment. 1. TITLE FRAUD & PERJURY : The dealer submitted XXXX XXXX XXXX ( State Title Application ) but intentionally omitted the vehicle 's status as a 'Manufacturer Buy Back ' ( Lemon ) in Section 3. I have since obtained the Texas Lemon Law Notice confirming this status. This constitutes Title Washing and Fraudulent Inducement. 2. PRE-EXISTING DEFECTS ( SCIENTER ) : I have obtained XXXX Key History logs dated XX/XX/XXXX proving that four months PRIOR to purchase, the vehicle already suffered from catastrophic 'Suspension Dropped ' and XXXX ' failures while in the dealer 's possession. The dealer charged a {$1100.00} inspection fee but delivered the car with these pre-existing safety failures. XXXX. FAILURE TO INVESTIGATE ( SANTANDER ) : On XX/XX/XXXX, I formally reported this fraud to Santander Consumer USA ( Case XXXX : XXXX and XXXX ). As of XX/XX/XXXX, Santander has failed to halt collections or rescind the loan under the FTC XXXX XXXX, which makes the lender liable for the dealer 's fraud. 4. FINANCIAL EXPLOITATION : The dealer padded the loan with {$5400.00} in worthless service contracts ( Gold Standard # XXXX and MBPI ) that were void from day one due to pre-existing conditions. Selling these to an account involving a senior citizen ( XXXX XXXX ) constitutes Financial Elder Exploitation ( XXXX XXXX XXXX ). 5. ECONOMIC IMPACT : The vehicle 's immediate and final collapse ( last lift date XX/XX/XXXX ) resulted in my Loss of XXXX ( {$81000.00} annual salary ) as it rendered me unable to maintain my professional position as a Lead Mechanic. RESOLUTIONS SOUGHT : I demand full rescission of the loan, refund of all payments, and a total of {$260000.00} in damages for fraud, loss of income, and exploitation. This is also being reported to the SEC ( XXXX ID : XXXX : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my checking account on XX/XX/year> and issued a check containing the remaining balance of my funds totaling {$300.00} I never received the check. After reporting several times that the check did not arrive, they told me that I had to wait 10 business days, I called again on XX/XX/XXXX to inform again that I did not receive my check and they sent me a new one and they told me that this time it would arrive faster, on XX/XX/XXXX I called again for my check that never arrived and Capital One informed me that the check was already cashed. I didn't cash the check, I didn't authorize anyone to cash it and I never took possession of it. Capital One refuses to provide : * Proof of shipment, * Tracking information, * Delivery confirmation, * Information about where the check was deposited They are only going to send me a copy of the original check and refuse to send me any other information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
CFPB complaint : I am filing this complaint against Wells Fargo for violating my consumer rights and refusing to investigate a documented case of purchase price packing and trade-in fraud under the FTC Holder Rule.The dealership fraudulently altered the numbers on my contract. The Taxable Amount on the paperwork is {$25000.00}, which matches the full MSRP of the vehicle. However, the Subtotal was packed to {$25000.00}, and the Total Amount Financed was inflated to {$27000.00}. Although a trade-in was physically taken and verbally agreed upon to lower the purchase price, the dealership pocketed the trade-in equity and hid the charges within the contract.I contacted the Wells Fargo Executive Team to report this fraud. I was explicitly told by their representative that because I signed the paperwork, I am " stuck with it '' and they would not assist me. Under the FTC Holder Rule, Wells Fargo is subject to all claims and defenses which the debtor could assert against the seller. A signature does not legalize fraud, and Wells Fargo can not knowingly finance a fraudulent, price-packed contract. I demand that Wells Fargo launch a formal investigation into this contract, audit the dealership 's numbers against the vehicle 's advertised price, and adjust or rescind this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to file a formal complaint against Marcus by Goldman Sachs regarding my High-Yield Savings Account. The bank has frozen my account, completely blocking my access to my own funds, and is refusing to lift the restriction or provide a valid reason for the action. On XX/XX/year>, I attempted to withdraw funds from my savings account to my linked external bank account. Instead of processing the transfer, Marcus by Goldman Sachs placed a hold on my account and locked me out. Please note that this is not an isolated incident. In previous months, I have repeatedly experienced similar issues where the bank arbitrarily blocked or restricted my attempts to transfer my money to other external bank accounts. This has become a systematic pattern of behavior by Marcus by Goldman Sachs to prevent me from moving my own funds. Since the recent block on XX/XX/XXXX, I have made multiple attempts to contact their customer service department via phone and digital channels to resolve this issue and verify my identity if necessary. However, I have faced extreme difficulties reaching any representative, and the bank has remained completely unresponsive. I have not received any written explanation, notice of investigation, or clear instructions on how to unfreeze my account. As a consumer, I am being unlawfully deprived of access to my financial assets, causing me significant financial distress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: LA

Complaint narrative:
" This is a follow-up escalation to Closed CFPB Complaint Case # XXXX In that closed case, Nelnet sent response letters explicitly claiming they did not handle my student loans before my XXXX consolidation and did not possess my historical records. '' " I am attaching three newly located payment records from XXXX showing direct payments made to Nelnet. These documents prove that Nelnet 's previous formal response letters to the CFPB were entirely inaccurate and misrepresented my account history. They did service my underlying loans in XXXX, and they are willfully withholding or failing to audit their internal archive mainframe. '' I am requesting further investigation into a financial service provider, including examples of misleading and inaccurate information, during this investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I submitted a valid digital stop-payment order for a check through my online banking. The institution has explicitly communicated with me and provided a written acknowledgment confirming that this stop-payment order was successfully placed in their system on XX/XX/XXXX. The institution allowed the physical check to clear the next day on XX/XX/XXXX. While they acknowledged the exact timeline of their failure to stop the check in a message to me, they have not issued a refund or re-credited my account. Nor did their message to me mention anything about any intention to refund me the money. I believe the banking institution is in error under standard banking regulations ( UCC 4-403 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc.
State: IL

Complaint narrative:
I am a gig worker who receives income through XXXX and uses the Uber Pro Card provided through XXXX for daily earnings and financial access. On or around XX/XX/year>, a XXXX rental authorization/payment process resulted in a {$520.00} charge and a separate {$460.00} authorization hold that is still affecting my available balance. This situation has caused my account to show a negative available balance of approximately - {$510.00}, preventing me from accessing my funds normally and impacting my ability to continue working. I have been informed by XXXX support that they can not manually remove or override the authorization holds and that these funds will remain restricted until they are released by the merchant or expire after the authorization window. However, XXXX has stated conflicting information regarding the charge and release of funds, and I have been unable to obtain a clear resolution between the two parties. As a result of this unresolved issue : My available balance is incorrectly restricted I am unable to access funds necessary for daily work expenses The situation is preventing me from continuing my income-generating activity I believe this represents a failure in resolving a disputed or duplicate authorization transaction in a timely manner, and I am requesting a full investigation and correction of the account balance and release of any invalid or duplicate holds. I am requesting : Immediate review of the {$460.00} authorization hold and {$520.00} charge Correction of any duplicate or invalid holds affecting my available balance Restoration of my available balance to reflect accurate funds Clear explanation of why conflicting merchant information is resulting in restricted access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
They claim my Zelle is closed but they dont tell me why they just say the ban can not be lifted

Company response to consumer: Closed with explanation