vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
I am writing to formally dispute certain accounts and information appearing on my consumer credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under the FCRA, credit reporting agencies are required to maintain accurate information and to conduct a reasonable investigation into any information disputed by a consumer. I am requesting a full investigation into the accuracy, completeness, and verifiability of the accounts in question. Any account that can not be fully verified with competent evidence must be deleted from my credit file. 

Please provide verification of the disputed accounts, including the method of verification used, the name and contact information of the furnisher, and documentation proving the accuracy of the reported information. If the information can not be verified as required by law, it must be removed from my credit report.

Pursuant to 15 U.S.C. 1681i, you are required to complete your investigation within XXXX  days of receipt of this dispute and provide written results of your findings. Failure to comply with these requirements constitutes a violation of the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I expect your written confirmation upon completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Product : Savings account Company : Wells Fargo Bank , N.A . 

What happened? 

Wells Fargo assessed monthly maintenance fees on my Way2Save savings account despite the account meeting the disclosed minimum balance requirement.

The Wells Fargo mobile app displayed my account balance as {$300.00} as of XX/XX/XXXX, and the balance remained at or above {$300.00} at statement end. 

Wells Fargo nonetheless charged $ XXXX monthly service fees on XX/XX/XXXX and XX/XX/XXXX. 

After I contacted Wells Fargo by phone on XX/XX/XXXX, both fees were reversed as erroneous ( + {$10.00} total ). 

Wells Fargo did not provide a written or clear explanation for why the fees were assessed or what balance methodology was applied. 

The account disclosure states that the $ XXXX  monthly service fee applies when the balance is less than {$300.00}. The mobile app prominently displays balances to consumers without clearly indicating that those balances may not be used for fee assessment.

Why is this a problem?

This practice is deceptive and unfair to a reasonable consumer.

A reasonable consumer would rely on the balance displayed in Wells Fargos app to determine whether the disclosed {$300.00} minimum balance requirement has been met. 

If Wells Fargo instead uses a different internal metric ( such as a minimum daily balance during the statement period, ledger balance timing, or fee-first posting logic ), that methodology was not clearly or conspicuously disclosed at the time the fees were assessed. 

Charging fees under these circumstances causes avoidable financial harm, requires consumers to spend time disputing charges, and is not reasonably avoidable when the banks own interface presents misleading balance information. 

The fact that Wells Fargo reversed both fees upon contact indicates the charges were improperly applied or inconsistently assessed, reinforcing concerns about systemic misapplication rather than isolated error.

I am concerned this practice may be systemic and affecting other consumers who reasonably rely on app-displayed balances to avoid fees.

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 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have been eligible for buyback and submitted my application several months ago I switched out of XXXX and have been making monthly payments while awaiting my buyback application to be approved. 
This feels like an intentional processing delay to keep me making payments and prevent me from buying back months on XXXX where payments would have been lower.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was a victim of identity theft. Several accounts have been fraudulently opened and are been reported on my credit report without my authorization. While I was traveling I lost my phone, wallet, laptop and all my identity documents which led to unauthorized individuals gaining access to my personal information and opened these accounts in my name First Tech FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I want to understand and have pleaded with cashapp on why they have decided to permanently ban my account. I used to use them years ago already to send money to friends in need. I never did anything wrong except try to set up a second account after I was unjustly banned for using the app as advertised. Multiple times I've reached out to support over the years on what the issue is and they never explain the reason and the company has been unreasonable in a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I added my checking account to my Bank of America credit card profile through online banking for my credit card account ending in XXXX. At the time, I reasonably believed that completing this process through online banking was sufficient to enable AutoPay. After later reviewing the confirmation email from that date, the email reflects only that a bank account was added and does not indicate that AutoPay was enrolled or activated. There was no clear confirmation or warning that additional steps were required. 

The AutoPay enrollment process was not intuitive and could not be completed through the Bank of America mobile application. It required navigating online banking in a manner that was unclear and inconsistent with AutoPay setup processes at other major financial institutions.

As a result, AutoPay was not active, and payments were missed without my knowledge. These missed payments resulted in late fees and were reported to credit bureaus. This caused a significant decline in my credit score from an excellent range above XXXX to approximately XXXX. I have a long standing history of timely payments across my financial accounts and rely on automated payment systems to avoid missed payments. 

On the date of this complaint, at approximately XXXX XXXX Pacific Time, I contacted Bank of America to request assistance in verifying AutoPay status and enrolling in AutoPay. The credit card customer service team was unable to assist and transferred me to the online banking team. During that call, I authorized the Bank of America specialist to view my online banking screen in real time. Despite this access, the specialist was unable to clearly identify the AutoPay status or successfully guide me through enrolling in AutoPay during the call. 

With the specialists consent, I recorded the call, consistent with Bank of Americas own call recording practices. During the call, the specialist confirmed that Bank of America applied late payment fees of {$35.00} for XXXX and {$40.00} for XXXX and stated that a request had been submitted to review the late fees and to enroll the account in AutoPay. 

While review of late fees is appreciated, this does not address the primary harm. The late payments have already been reported to credit bureaus and remain on my credit history, causing ongoing damage that can not be remedied by fee credits alone. 

I am requesting correction of the inaccurate credit reporting by removal of the reported late payments and review of Bank of Americas AutoPay enrollment and support processes to prevent similar harm to other consumers.

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Issue : Improper Account Restriction / Denial of Access to Funds I am filing a formal complaint against XXXX  Bank for placing an unjustified restriction and lockout on my account despite the complete absence of fraud, disputed transactions, or unauthorized activity. 

Background My account has always remained in good standing. There has never been any claim of fraud or dispute associated with the account. 
Prior to the restriction : I requested a wire transfer limit increase to pay off a loan. 
The request was denied without valid justification. 
I then authorized a check in the amount of {$760000.00} payable to XXXX XXXX XXXX XXXX XXXX to satisfy a loan and proceed with an investment property purchase. 
The check was returned by XXXX citing signature discrepancy. 
I immediately contacted XXXX and again requested a wire transfer increase. I was informed the request was submitted for review. 
I further contacted XXXX and specifically asked whether processing multiple bill-pay transactions would trigger any account flags or restrictions. I was explicitly informed that it would not. 
Based on this representation, I processed five bill-pay transactions totaling {$500000.00}. 
Immediately thereafter, XXXX placed my account on full restriction/lockout, denying access to my funds and normal banking functions. 

Violations and Concerns No fraud claim exists. 
No disputed transaction exists. 
All transactions were verified and authorized. 
Bank representatives provided misleading information. 
Funds access has been wrongfully restricted. 
Time-sensitive financial obligations and investments were interfered with. 
This conduct appears to constitute unfair banking practices and improper restriction of consumer funds. 

Requested Resolution Immediate removal of all account restrictions Full restoration of account access Written explanation for the restriction Confirmation no negative fraud reporting has been made Compensation for any resulting damages Written assurance of no future improper freezes This matter involves substantial funds and requires immediate regulatory attention. The bank has provided no valid fraud basis yet continues to deny access to funds necessary for time-sensitive financial obligations and investment transactions. 
Due to the size of funds being held and ongoing financial harm, I am requesting expedited regulatory intervention and supervisory review. Immediate restoration of access or written justification is required.

Continued restriction without lawful basis may constitute unfair banking practices and improper withholding of depositor funds.

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 2026-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Sallie Mae charged my account 3 separate charges {$180.00} for which only {$120.00} was authorized, {$100.00} for which only {$70.00} was authorized, and {$100.00} of which only {$70.00} was authorized. This is not recorded in their account activity nor was I given any notice of any increased payment amounts. I would like the excess amounts refunded so authorization may be properly acquired on their end for any increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had XXXX credit cards with Capital One in early XXXX XXXX personal XXXX business. All cards had same login same app all connected. Never had missed any payments before XX/XX/year>. Also had multiple accounts with XXXX XXXX XXXX, reported incident to both companies. It was not logged until I called XXXX times to report each. My bank accounts were with XXXX XXXX during that year. I noticed some fraudulent charges on my account contacted bank gave them all the information. They told me to start disputes with them so I did just that. Immediately after they froze business & personal accounts started investigation that could take up to XXXX days. I notified all my card companies numerous times throughout process. Capital One only submitted fraud complaint on XXXX of my cards instead of all XXXX. They removed that account but closed all XXXX never attempted on other XXXX. I have contacted them repeatedly for almost XXXX years. Disputed accounts to be included with first fraud removed. It has never happened my credit score has dropped XXXX points. There's no option to attach documents to credit bureaus disputes. I have letters from XXXX XXXX where investigation was finally cleared & funds restored. All started end of XXXX they concluded investigation in XXXX closed my accounts then didn't release funds until XX/XX/year>. Capital One closed my accounts before I even knew about fraud. XXXX XXXX also closed my accounts before investigation was even completed. Neither company ever tried to investigate or figure out situation. I've tried with them to fix it over & over with no resolve. Trying to buy my first house this year so really need some resolution to situation completely out of my control. Thank you for any assistance or attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am writing to formally dispute certain accounts and information appearing on my consumer credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under the FCRA, credit reporting agencies are required to maintain accurate information and to conduct a reasonable investigation into any information disputed by a consumer. I am requesting a full investigation into the accuracy, completeness, and verifiability of the accounts in question. Any account that can not be fully verified with competent evidence must be deleted from my credit file.

Please provide verification of the disputed accounts, including the method of verification used, the name and contact information of the furnisher, and documentation proving the accuracy of the reported information. If the information can not be verified as required by law, it must be removed from my credit report.

Pursuant to 15 U.S.C. 1681i, you are required to complete your investigation within 30 days of receipt of this dispute and provide written results of your findings. Failure to comply with these requirements constitutes a violation of the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I wrote to the company that this account was fraudulent. Before the company Spring Oak Capital bought this account from XXXX XXXX. I had tried to resolve this matter directly with XXXX XXXX, to no avail. I have done XXXX FTC reports, and XXXX Identity Theft report. XXXXXXXX XXXX XXXXXXXX FTC Report - XXXX, XXXX XXXX XXXXXXXX FTC Report - XXXXXXXX XXXX XXXX XXXXXXXX Identity Theft report XXXX. Under FCRA 1681s2 ( b ), it is the furnishers responsibility to conduct a reasonable investigation using this report. I am not required to provide the full report ; they may obtain it themselves using the reference number provided. If they want to find the report, that is what their correspondence team is for. They also stated they sent out correspondence about the debt they claimed was mine. I never had affiliation with the address they have on file, nor does the account belong to me. If this account continues to appear on my credit report, the furnisher may be in violation of FCRA 1681c2 ( a ) ( blocking of fraudulent information ), 1681s2 ( b ) ( duty to investigate ), and 1681e ( b ) ( maintaining accurate reporting ). There also has been a data breach letter sent to me on XX/XX/year>, which is filed with the credit bureau. 

I expressly reserve all rights to pursue this matter beyond the CFPB portal, including any and all legal remedies available to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and any other applicable federal or state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NM

Complaint narrative:
On XX/XX/year>, at XXXX ( XXXX, NM ), I purchased XXXX Zillions Gift Cards totaling {$1300.00} ( Two cards for {$500.00} each, and one for {$340.00} ). 
THE PROBLEM : While two cards worked fine, one of the {$500.00} cards is defective due to a critical scanning error. 
evidence : The receipt shows a {$500.00} activation for a card ending in XXXX. However, the physical card I was given for that transaction ends in XXXX ( see attached photos ). 
The cashier or system activated the wrong card number ( XXXX ) and handed me a non-activated card ( XXXX ). I paid {$500.00} cash but received a card with {$0.00} balance. The funds are stuck on card XXXX, which I do not possess. 
I have called support 4 times with no resolution. I request an immediate transfer of the {$500.00} to my physical card ( XXXX ) or a full refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE

Complaint narrative:
I was informed on XX/XX/XXXX that my checking account would be closed in XXXX days due to an international address I provided for mail purposes only. I do travel and am XXXX XXXX XXXX XXXX but still go back and forth to the US and was there XXXX  months ago. The address was for mail only and I still have listed my US address as my primary. 
The account was cut off on or about the XXXX of XXXX and they did not give me time to set up new accounts but assured me that new debit cards would come prior to the account closure. This did not happen and my funds were moved out of my checking account to my brokerage account at Schwab. I have my social security deposited to this account and the funds transferred is my social security money. Changing account information for direct deposit will take time and the next check does not look like it will be available to me since to destination account has been closed. 
I am at a loss with no immediate access to my social security. I have no way to pay bills or go to the ATM. 
I have contacted schwab multiple times and I have not heard back with the last call XXXX days ago. 
I dont think the bank is is on compliance here and need to officially file a complaint. 
There are also false statements made by the bank about federal laws that required hard copy mail to be sent to me concerning wire transfers. I asked to have the notifications via their secure messaging but they said no. 
Schwab as of today cut me off from normal log in process and I have to call to gain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: HI

Complaint narrative:
I was recently scammed in a housing rental deposit situation. On XX/XX/year>, I found a listing for XXXX XXXX XXXX, XXXX, XXXX XXXX on apartments.com. I communicated with XXXX XXXX ( XXXX ), claiming to be from XXXX XXXX XXXX, who said the homeowner, XXXX XXXX ( XXXX ), was renting her property. He requested a {$3500.00} security deposit and first months rent via wire transfer. I sent the wire on XX/XX/year>, believing the listing was legitimate. After sending it, I realized the listing was fraudulent and the person stopped responding. I never received the keys as promised. I contacted the actual agency ( https : //engelassociates.com/ ) and the real homeowner, both of whom said they did not know XXXX or have the property listed. I filed a police report ( No. XXXX ) and was advised to report the incident to the IC3/FBI. I have been unable to locate or contact the scammer.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I made a purchase on instagram for XXXX for a product which I had no knowledge of them being a scam website. The website charged my card for XXXX and XXXX. I was approved for the dispute of XXXX and XXXX but chime denied me the XXXX which was all the same transaction from the same website which is called Fashionvelina.com. I disputed with my bank twice and they still denied my charge of XXXX. I had to send evidence which I did of this website being a scam website and my dispute was denied again. I had to put in XXXX dispute to receive my funds and now I have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Struggling to make payments for five months, I call company to see if I have some help but didnt qualify for it. I can make the payment now but Im behind, and I dont know how I can get the money fix missing payments.missing payments from XX/XX/year> till now to PHH Mortgage

Company response to consumer: Closed with explanation