vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I redeemed a virtual promotional XXXX through my employer 's wellness program administered by XXXX XXXX ( formerly XXXXXXXX XXXX ). The card was to be delivered by email via MyPrepaidCenter.com, operated by XXXX XXXX. The email never arrived. The XXXX XXXX has since shut down due to the end of the employer contract, so I can not retrieve the card there. In XX/XX/XXXX, I emailed XXXX XXXX to resolve the issue and was unable to get a resolution. On XX/XX/XXXX, I attempted to resolve this through every remaining channel. The self-service tool at MyPrepaidCenter.com returned XXXX XXXX error. I corresponded with XXXX and MyPrepaidCenter over the phone : For XXXX, I spoke with XXXX ( no case number provided ), and for MyPrePaidCenter, XXXX ( reference number XXXX ). XXXX confirmed that my data had been deleted from their system, which explains why no agent could locate the card and why the website returns an error. The card was never delivered to me before the data was purged. I also called XXXX XXXX at XXXX, XXXX ( no case number provided ) who acknowledged the program but directed me back to MyPrepaidCenter the same company that confirmed my records were deleted. Both companies are deflecting responsibility. The funds may expire as soon as XX/XX/XXXX. I have a screenshot of the redemption confirmation and email correspondence with XXXX XXXX from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXXThis guy XXXX playing games today approximately XXXX at branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the exact same account trickery XXXX XXXX XXXX XXXX pulled on me and XXXX manager boss XXXX XXXX filed XXXX against her but she wasn't in today according to XXXX but upon arrival just ask to be verified because on XXXX at XXXX for 35 minutes spoke to XXXX in XXXX and she sincerely said it's for your own protection of your privacy and your Assets and I told XXXX this as the bank is totally empty and not even anyone at the windows and he says he gotta set an appointment for tomorrow was just unreal and I said ok but he never did set one as am telling him just need to do two piece of ID and verify me. So he wants to check me out and says OK at the window I can verify you right here. Then tells me put my atm card in so he can take a look then says all you need is to update your phone number and then takes me to his desk and shows me my phone number on the computer and tells me it takes 24 hours to update. To play around like that over my million dollar in XXXX XXXX XXXX XXXX XXXX XXXX and for him to play games without truly verifying me through normal process by not calling the proper department and have me produce my Identification to the caller he never did that at all and he told me he was sending me a code on my phone and avoided doing that out of sickness and jealousy is just sad truly sad and unreal. I WILL GO BACK IN THE MORNING TO BE PROPERLY VERIFIED. I have several police reports XXXX XXXX XXXX XXXX and FTC XXXX. HOPEFULLY NO GAMES IN THE MORNING."

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 2026-04-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX XXXX for {$20.00}. This item was never delivered as described, and XXXX XXXX refused to provide a refund, so I submitted a chargeback request via my CHASE bank. This chargeback request was found to be legitimate, and therefore, it was approved and finalized by CHASE in my favor. However, on XX/XX/year>, XXXX XXXX made another charge to my account for {$20.00}. I contacted CHASE about this unknown, unauthorized transaction, and subsequently opened a claim. After doing so, I reached out to the merchant in question for any additional information and received an email from XXXX stating that the {$20.00} charge on XX/XX/year> was due to the dispute I placed with my bank on XX/XX/year>. This is against VISA rule ID # XXXX. Merchants should not be able to recharge an already accepted and finalized claim. Despite this, CHASE declined this new claim, stating that XXXX uploaded sufficient evidence that the item was delivered. I'm currently waiting to receive this evidence in the mail from CHASE after requesting it, but CHASE told me over the phone that XXXX 's evidence is specifically for an item received on XX/XX/year> and is NOT in relation to the charge on XX/XX/year>. This contradicts both the personal evidence I submitted of my receipt history, etc, as well as XXXX 's own statement that this charge was specifically to settle the dispute I placed on XX/XX/year>. Additionally, despite the new claim being opened due to an unrecognized charge, CHASE said that because I contacted XXXX and realized that the XX/XX/year> charge was related to the one on XX/XX/year>, it would now be considered as the main claim even when there should have never been the need for a second claim ( after the first was approved ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, unauthorized transactions occurred on my Bank of America account without my knowledge or permission. These transactions resulted in a negative balance of {$10000.00} & dropped to {$3700.00} on XX/XX/XXXX I reported this fraudulent activity to Bank of America shortly after it occurred. I also filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX. Although the bank responded at that time, the issue was never properly resolved and I was still held responsible for the balance. I requested a full investigation, documentation of the transactions, and an explanation of why I am being held liable for fraudulent activity. Bank of America did not provide sufficient information or resolve the issue. This balance continues to negatively impact my ability to open and maintain bank accounts. I did not authorize these transactions and should not be held responsible for them. I am requesting that Bank of America reopen the fraud investigation, remove the {$3700.00} balance, and correct any negative reporting associated with 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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Account # XXXX I am formally rejecting Resurgent Capital Services response and demand the CFPB take further action. Their response is a deliberate deflection that violates my consumer rights under federal law. SPECIFIC VIOLATIONS AND FAILURES : 1. WILLFUL REFUSAL TO VALIDATE DEBT ( FDCPA 809 ) : Resurgent openly admitted they will not provide a purchase and sale agreement. This is not optional I have a federal right to know who legally owns this debt and to see proof of that ownership. Their refusal is a direct violation of my debt validation rights and should be treated as such. 2. UNVERIFIED CREDIT REPORTING ( FCRA 623 ) : Resurgent claims this account is being reported accurately and as disputed but provided ZERO documentation to support this claim. Furnishing inaccurate or unverified information to credit bureaus is a violation of the Fair Credit Reporting Act. I am demanding the CFPB require them to prove compliance. 3. NO CHAIN OF TITLE PROVIDED : LVNV Funding LLC claims ownership of a WebBank ac count. I have never received proof of a valid, unbroken chain of ownership from WebBank to LVNV. Without this, LVNV has no legal standing to collect or report this debt. 4. SHAM INVESTIGATION : Resurgent claims they found no evidence of mishandlings without explaining what they investigated, what records they reviewed, or how their conclusion was reached. This is not a good-faith response it is a form letter designed to close complaints without resolution. WHAT I AM DEMANDING : Full debt validation including original signed credit agreement with WebBank Complete account payment history Documented proof of chain of ownership from WebBank to LVNV Funding LLC Written proof this account is marked disputed with XXXX XXXX and XXXX Immediate cessation of all collection activity until full validation is provided The CFPB exists to protect consumers from exactly this kind of evasion. I am requesting escalated review of this complaint and a formal investigation into Resurgent Capital Services and LVNV Funding LLCs practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing an inaccurate {$500.00} rental collection account reported by National Credit Systems ( NCS ). After moving out, I requested a detailed, itemized invoice and supporting documentation for the charges. For the stovetop repair charge, I was only provided with a repair estimate ( quote ), not a final invoice or proof that the cost was actually incurred. For the {$200.00} cleaning charge, no invoice, receipt, or itemized documentation was provided at all to explain what services were performed or how the amount was determined. An estimate does not demonstrate that any actual cost was incurred. Under Texas Property Code 92.104, a landlord is required to provide an itemized list of actual deductions. An estimate alone does not establish that a valid debt exists. I formally disputed this debt with both the collection agency and Experian, including sending written requests via certified mail in early XXXX 2026. Despite explaining that the charges were based only on an estimate and not actual costs, the account was verified as accurate. I then requested the method of verification to understand how this account was validated, but I did not receive any meaningful explanation or details regarding how the verification was conducted. Additionally, despite my formal disputes, the account does not appear to be properly marked as disputed. To date, no final invoice, receipts, or itemized documentation has been provided to support this {$500.00} charge. I believe this account is being reported without proper validation and that the investigation conducted was not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I need a investigation against Huntington bank for discrimination they keep close my account or restricting them i did nothing wrong what so ever and this happened every single time i do nothing wrong but open a bank account and they restricting it or close it for no single reason can't because I owe them im in XXXX XXXX bankruptcy it covers any and all debts in seriously need help with Huntington bank for discrimination against me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was purchasing a prom dress from a girl off XXXX that she was advertising. She gave me her number and wanted me to transfer the money to her card I thought that was unsafe and said I would chime her half after she sent me the shipping number and I would send the rest.She then sent me ( what I now what was a fraudulent ) tracking number and after I followers up with it I realized it wasnt updating and was fraudulent, she stopped texting me completely and the shipping isnt updating!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I refinanced my auto loan from XXXX XXXX XXXX Capital One Auto Finance. During the refinance, Capital One promised to handle the registration and title transfer. However, Capital One has failed to fulfill this obligation for over a year. Due to a clerical error by the previous lender ( XXXX ), the title release was erroneously issued to XXXX, causing my XXXX XXXX record to enter " Prior Suspense '' status. Despite making full monthly payments to Capital One for XXXX consecutive months, I am unable to legally register or operate my vehicle. Capital One has failed to use its corporate leverage to secure the necessary notarized documents from XXXX or XXXX to clear the title defect. Consequently, I am paying interest on a loan for a vehicle that is legally undriveable due to the lender 's administrative negligence. I have placed over XXXX unsuccessful calls to the involved companies. I am seeking immediate intervention to force Capital One to secure a notarized original XXXX release or a " XXXX of XXXX XXXX '' to clear the XXXX suspense. Almost every time I call Capitol One for assistance I get told I need to collect different documents from XXXX XXXX, it changes each time. Per the agreement on the Capitol One app it says Capitol One will handle the paperwork for me. I have been unable to drive my vehicle since XX/XX/year> and am getting zero assistance from XXXX or Capitol One in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms my credit.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: NC

Complaint narrative:
This is a new complaint after the previous one was resolved with the help of the XXXX ( Thank you! ). XXXX days ago, Bilt surprised us with a new charge for {$1900.00}, supposedly due to a balance transfer from XXXX XXXX. Bilt refused to let us submit a dispute. Instead they have asked us to prove that we are in the clear ( to resolve their mistake ). They have asked us for our confidential XXXX XXXX checking account transactions, as well as the Bilt credit card statements that they themselves ought to have. Regardless, we have provide this information after redacting information but this sounds outside the pale. Please accept this as yet another, but new, complaint against Bilt. They should be banned from the credit card business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I went to a Bank of America full service ATM on XXXX XXXX in the XXXX Parking lot at XXXX XXXX, XXXX, TN XXXX on XX/XX/year>. ATM ID : XXXX I inserted my debit card and pin number and proceeded to make a cash deposit of {$2400.00} into my business account. The machine counted my money, asked if the amount was correct, which it was. I hit the continue button and the ATM begin to process, but there was a spinning icon on the screen for about 1 minute, after which the ATM said " transaction failed '' like it lost internet or something. The ATM went back to the main screen. I tried another cash deposit so the little door would open to see if my money was there, it wasn't. the machine had eaten it. I contacted Bank of America hotline which was printed on the ATM ( see picture ) and sat with the ATM for 2 hours thinking someone would come once I told them what happened. They said they couldn't send anyone out, I would have to file a complaint. I filed the complaint and eventually they agreed to temporarily deposit the {$2400.00} while they researched it. That took several days. They told me it could take up to 90 days before they could count down the ATM. There are cameras on the ATM so I was confident they would see me depositing the money, as well as the ATM would have been over by {$2400.00} when reconciling. I wasn't worried. Today I received a letter from Bank of America telling me they concluded their investigation and are going to take the {$2400.00} back. out of my account on XX/XX/XXXX I have to file a police report because now it's considered XXXX theft. I am out of town working until XX/XX/XXXX and can not resolve this at my local branch until I return.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity of a debt that you claim I owe. This is not a refusal to pay, but a request for validation made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information to validate this debt : The name and address of the original creditor The account number associated with the alleged debt The total amount of the debt, including any fees, interest, or charges Documentation showing that I agreed to this debt ( such as a signed contract or agreement ) Proof that your company is authorized to collect on this debt A complete payment history, including any payments made and how the balance was calculated Until you provide proper validation, I request that you : Cease all collection activity on this account Stop reporting this account to any credit reporting agencies Remove this account from my credit report if it can not be validated If you fail to provide the requested validation, please consider this a formal request to delete the account from my credit file. I prefer all communication regarding this matter to be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dollar-for-Dollar Discrepancies/ Overpayments/ Gap Waiver My investigation into the billing practices of Lobel Financial began when I identified a major accounting red flag regarding the disposal of my vehicle. I discovered that the reported sale price of the vehicle matched exactly dollar-for-dollar the amount Lobel claimed for the XXXX disposal of the vehicle. '' This break-even accounting is a mathematical impossibility in a legitimate third-party sale. This discovery led me to perform a deeper audit of my records, where I uncovered systemic issues regarding undisclosed unapplied credits. - Active GAP Insurance Post-Total Loss The vehicle was deemed a total loss in XX/XX/XXXX. On XX/XX/XXXX, Lobel Financial explicitly admitted in writing that the GAP insurance policy remained " active. '' Despite this admission and the total loss status of the asset, Lobel failed to finalize the GAP claim to settle the deficiency balance at the time of loss. Instead of applying the insurance payout as required by California law, they continued to collect full monthly installments on a phantom balance. - Math of Overpayments I continued to fulfill my perceived obligations in good faith, making monthly payments of {$480.00} from XX/XX/XXXX through the point of voluntary surrender in XX/XX/XXXX. Payments Made Post-Loss : 29 months at {$480.00} = {$14000.00} total. Current Claimed Balance : {$4600.00}. This math is irreconcilable. Had the GAP claim been processed in XX/XX/XXXX, the {$14000.00} in subsequent payments would have been applied to a drastically reduced ( or zeroed ) principal. Instead, Lobel ignored the total loss settlement and continued to collect {$480.00} monthly for a vehicle that no longer existed. - Conclusion and Non-Responsiveness I have contacted Lobel via phone and email to request a line-by-line itemization of the sale on XX/XX/XXXX but they have not responded. I am requesting a forensic audit to determine the exact overpayment due back to me. Every payment made after XX/XX/XXXX was an overpayment on a debt that Lobels own records admit was covered by GAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: WA

Complaint narrative:
I am reporting a billing error involving Zip related to purchases made on XX/XX/XXXX with XXXX and XXXX XXXX. I returned multiple items, and the merchants processed refunds on XX/XX/XXXX and XX/XX/XXXX. These refunds were issued back to the Zip-issued payment method. However, the following errors occurred : A refund from XXXX XXXX was incorrectly applied to the XXXX order instead of the correct transaction. A refund in the amount of {$280.00} from XXXX has not been posted to my account. My account balances remain inaccurate and overstated due to these errors. I contacted Zip multiple times and provided documentation confirming the refunds. Zip initially acknowledged that the refunds were received and stated that adjustments would be made. However, I later received conflicting responses directing me to contact the merchant again, even though the merchants had already completed the refunds. On XX/XX/XXXX, Zip processed an automatic payment that did not reflect the refunds, resulting in an overcharge for items that had already been returned. I have made multiple attempts to resolve this issue directly with Zip, but the billing errors remain unresolved.

Company response to consumer: Closed with explanation