vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XXXX been with Bank of America for XXXX years. XXXX had money come in and out of this account for a year for literally half of my life. XXXX only XXXX XXXX XXXX. Ive been with them for XXXX years. I XXXX used that account for a nearly months up until XX/XX/XXXX because my balances were negative. My checking account had not been used since XX/XX/XXXX. My savings account had money deposited in it XX/XX/XXXX. That same account had {$100.00} XXXX on XX/XX/XXXX. That same account had money in it on XX/XX/XXXX via payroll. I had already had money transferred to that account on XXXX and XX/XX/XXXX from my payroll to help bring that balance down. I never signed up for overdraft XXXX. On XX/XX/XXXX Bank of America took it upon themselves to transfer XXXX from my savings to my checking account without my consent. On a recorded line amongst XXXX seperate calls, I was told I have XXXX days to get my negative balance positive. On XX/XX/XXXX I was told and ASSURED my {$170.00} would be credited back to my savings account by XX/XX/XXXX for the mishap. I do not understand why it is okay for my trusted banking partner to give false information. I am going through a financial crisis and I can not afford my money to be snatched from me like this. The bank is not allowing me my recorded calls and said if I take it to court they will be brought up then and there.

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 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I am submitting this complaint regarding LoanMarts failure to respond to multiple written requests concerning my title loan account, which currently has a XXXX placed on my vehicle. I have made repeated good faith attempts to resolve this matter and obtain basic account information, including : A full breakdown of my loan ( principal, interest, fees, and total balance ) A complete payment history showing how my payments have been applied Information about available payment plans or hardship options Despite sending multiple emails, LoanMart has not responded to any of my requests. Their lack of communication has prevented me from addressing the balance or resolving the lien on my vehicle. This situation is causing financial hardship and limiting my ability to manage my obligations responsibly. I am requesting that LoanMart : Provide a full and accurate accounting of my loan Respond to my prior requests for assistance Offer reasonable options to resolve the outstanding balance and XXXX I am attempting to resolve this matter in good faith, but LoanMarts failure to communicate has left me with no other option but to file this complaint. I request prompt intervention and a formal response from LoanMart.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: SC

Complaint narrative:
A third-party debt collector is attempting to collect an alleged debt related to XXXX that I do not owe. I have official documentation from XXXX confirming that my account has a XXXX balance and no outstanding obligations. Despite this, the collector continues to pursue collection and has reported this inaccurate debt to credit reporting agencies, which is negatively affecting my credit profile. I did not enter into any agreement for this alleged debt, and no valid proof of debt has been provided to me. This appears to be a clear case of incorrect debt assignment, error, or misidentification. The collection activity is ongoing despite the existence of evidence showing that no balance is owed. This raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation into this matter, immediate cessation of collection activity, and removal of any inaccurate information from all credit reporting agencies. I have supporting documentation confirming a XXXX balance with XXXX and will provide it as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to return some items to the store. But the store would not accept the return citing a 30 day return policy. I emailed corporate and they confirmed that the items I purchased had a 90 day return policy ( see attachment ). I went to the store to confirm but they still would not take the return saying their system shows 30 day returns. I sent this to my credit card to dispute. For some reason, Citi only confirms whether or not the item was purchased. They never investigate return policies. Once Citi confirms the item was purchased, they will deny the dispute regardless if you tried in good faith to return the items ( even if new and unused ).

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 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am filing this complaint due to ongoing discrepancies in how my payments are being applied by BMO. I have been consistently making on-time payments. However, I have been informed that approximately {$110.00} from each payment is applied toward the principal balance. Despite this, my account records and documented screenshots show that only {$20.00} to {$40.00} is actually reducing the principal. I have clear evidence, including screenshots taken before and after payments, demonstrating these inconsistencies. This raises serious concerns about potential misapplication of funds, inaccurate loan servicing, or undisclosed fees. I am requesting a full investigation, including : A detailed breakdown of all payments ( principal, interest, and fees ) A complete amortization schedule A written explanation for these discrepancies A full audit of my account Additionally, I would like to be informed of any hardship or settlement options available due to the financial impact this issue has caused.

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 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: MI

Complaint narrative:
XXXX / Koalafi Account Inaccurate Reporting and Improper Re-Aging This account originated in XXXX, with the last payment made in XX/XX/XXXX. After that time, there was no activity on the account from XX/XX/XXXX through XX/XX/XXXX. Recently, this account has been updated to reflect late payments beginning in XX/XX/XXXX and a charge-off status as of XX/XX/XXXX. This is inaccurate. The account was charged off years ago and should not reflect any recent payment activity. The reporting of new late payments after years of inactivity is misleading and appears to be an attempt to improperly re-age the debt. This has negatively impacted my credit score. I have disputed this information with multiple times, and it continues to be verified as accurate without a reasonable investigation. I am requesting the following : - The Date of First Delinquency for this account - Documentation verifying the alleged late payments reported in XXXX - Immediate correction or removal of any inaccurate information If this information can not be verified, it must be removed in accordance with the Fair Credit Reporting Act. This inaccurate reporting is causing ongoing harm to my credit profile and must be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
My mother got a phone call saying I missed a mortgage payment. My mother XXXX XXXX is not on my loan through Loancare Servicing company. They gave her all my information. I already called them and said I was making my XXXX payment at the end of the month. I am current with my loan just have some late fees due. My loan is under XXXX XXXX. We do not live at the same address. This needs to be addressed. Thanks

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 2026-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I am filing a complaint against ETRADE for unfairly denying a promotional bonus that I qualified for. I opened/funded my ETRADE account as part of a promotional offer that promised a cash bonus upon meeting specific deposit and/or activity requirements. I carefully followed all the stated terms and conditions of the promotion, including maintaining the required balance and completing any necessary actions within the specified timeframe. However, ETRADE later placed a restriction on my account without any prior notice or clear explanation. After this restriction, they denied my eligibility for the promotional bonus, citing the restriction as the reason. This is unfair and misleading for the following reasons : - I was not informed in advance that my account was under review or at risk of restriction at all. No email or message as well as app notification to inform about restriction - I was not given an opportunity to resolve any alleged issue. - These term says that " If you are not eligible or are deemed to be disqualified from receiving the bonus, we will notify you within 105 days of account opening. However, I did not receive any email or notification within this timeframe informing me that I was ineligible or disqualified. This lack of communication prevented me from taking any corrective action and is inconsistent with the stated terms of the promotion - The promotional terms did not clearly state that such restrictions would automatically disqualify me after fulfilling the requirements. - I acted in good faith and met all the advertised conditions. This behavior appears to be a tactic to avoid honoring promotional commitments, which is misleading to consumers. I have attached/ can provide supporting documents including account statements, promotional details, and communication history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
I timely submitted required evidence and was granted a XXXX veteran property tax exemption with the XXXX XXXX Treasurer for this most recent property tax bill due on or about XX/XX/XXXX ( See XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX ). The Transaction information section specified that the property tax adjustment showed no taxes due for my property. NewRez was aware that I qualified for this property tax exemption from my prior email communications directly to the company as well as last years XXXX transaction information, where a pro-rated property tax payment was made by NewRez in the amount of {$2900.00} ( See XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX ). I received two separate emails from NewRez communicating that my estimated property tax, due on or about XX/XX/XXXX, was {$2900.00} based upon the prior tax bill, and the subsequent email showing that NewRez paid {$16000.00} property taxes from my escrow account on XX/XX/XXXX to the XXXX XXXX Treasurer ( See NewRez email property taxes XXXX and XXXX ). My current NewRez account dashboard now indicates that my escrow account is in arrears by approximately {$5400.00} ( See NewRez account dashboard summary XXXX and NewRez Escrow Account Dashboard XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Subject : Incorrect or Inconsistent Credit Reporting Between XXXX and XXXX Details of the Complaint : I am filing this complaint because the same auto loan account is being reported inconsistently by XXXX and XXXX, which is negatively impacting my credit profile. The account in question appears under both XXXX and XXXX with the account number XXXX *. Below are the discrepancies and concerns : Account Type : Both bureaus report it as an auto loan. Balance Owed : Both list {$10000.00}. Payment Status : Both report Late 120 Days. Account Status : Both show the account as XXXX. Last Payment and Activity Dates Differ : XXXX lists the last payment and activity date as XX/XX/XXXX, and a last payment made on XX/XX/XXXX. XXXX lists the date of last activity as XX/XX/XXXX and date reported as XX/XX/XXXX. The timeline and reported activity are inconsistent between the two bureaus. XXXX is reporting future dates ( XX/XX/XXXX ) even though we are currently in XXXX, which suggests inaccurate credit reporting. XXXX file also includes a conflicting date reported ( XX/XX/XXXX ). Additionally, both bureaus list the account as XXXX despite being 120 days late and showing {$0.00} payment amount, which is contradictory for an open auto loan. These inconsistencies make it unclear whether the account is delinquent, charged off, or active. I have attempted to verify this with the credit bureaus, but the errors persist. These reporting discrepancies are harming my creditworthiness and may misrepresent my payment history. Requested Resolution : I request that the CFPB investigate these inaccurate and conflicting account details with both XXXX and XXXX to ensure the account is reported accurately and consistently, including the correct dates of activity, payment status, and account standing. I also request correction or removal of any inaccurate information that can not be verified. Supporting Documentation : I am attaching screenshots from both credit bureau reports showing the inconsistencies for reference.

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 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this alleged debt because I do not recognize it and do not believe I owe it. Jefferson Capital Systems is attempting to collect {$1500.00}, with XX/XX/XXXXlisted as the original creditor. I contacted XXXX to verify the alleged account, and they only told me that the account is no longer with them. That does not confirm that the debt is mine, that the amount is correct, or that Jefferson Capital Systems has the legal right to collect it from me. I have not received sufficient documentation showing that I am the correct debtor or explaining how the balance was calculated. I am requesting full written validation of the debt, including the original account information, proof that I am the correct debtor, an itemization of the amount claimed, and proof of Jefferson Capital Systems authority to collect. Until proper validation is provided, I dispute this debt and request that collection efforts stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: NY

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX mishandling of a credit card billing dispute ( Claim No. XXXX, XXXX, XXXX ). This dispute concerns a XXXX XXXX transaction that I properly raised as services not rendered as agreed / material deviation. The airline materially failed to provide contracted services during international travel ( XXXX to XXXX via XXXX ), including airline-controlled delays, an unannounced diversion to a non-ticketed country, unsafe onboard conditions during an extended ground delay, a missed connection, and refusal to provide accommodations. Bank of America failed to conduct a reasonable investigation as required under the Fair Credit Billing Act ( Regulation XXXX XXXX ) : XXXX. The bank misclassified my dispute as a cancellation claim, despite the fact that I did not cancel travel and completed the itinerary under materially altered conditions. XXXX. The bank relied on irrelevant and factually incorrect information, including a claim that I canceled services and that the disruption was caused by weather. My submitted evidence shows the cause was airline-controlled ( aircraft connection ). XXXX. The bank relied on a response from a ticket agent with no operational knowledge of the service failures and breach of contract issues raised, and failed to evaluate the actual issues in dispute. XXXX. The bank asserted that required documentation was not provided, despite my submission of complete supporting evidence at the time of the initial claim. The banks own dispute file contains factual inaccuracies confirming a failure to review the record. XXXX. The denial letter and subsequent XXXX review do not address or analyze the core issues raised, including unsafe onboard conditions, demonstrating a mechanical, non-substantive review. This complaint is supported by documentation including the airlines operational notice, correspondence, and XXXX XXXX XXXX own dispute records demonstrating misclassification and failure to investigate.

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 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
A court judgment was entered on XX/XX/XXXX, establishing a total balance of {$3900.00}. This is the legally enforceable amount. However, the collection agency is attempting to collect and report a significantly higher balance ( approximately {$7400.00} {$7500.00} ), which appears to be based on a pre-judgment move-out ledger rather than the court judgment. On XX/XX/XXXX, I sent a formal written dispute requesting validation and a complete itemized accounting of the balance, including interest calculations and documentation supporting any amount beyond the judgment. A follow-up dispute was sent on XX/XX/XXXX. On XX/XX/XXXX, the company responded by providing only a move-out ledger, which does not reflect the court-entered judgment or explain the increased balance. Despite multiple requests, the company has failed to provide : A complete accounting of the balance Documentation supporting the amount being collected A reconciliation between the reported balance and the court judgment The company continues to attempt to collect and report an inflated and unverified balance. Supporting documentation is attached and labeled as Exhibits XXXX for ease of review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I made a mistake and sent the wrong person XXXX one time and the other time I made a mistake and sent my mom 's who me and her don't get along that well XXXX and I requested for the money to fome back to it's owner but I never got neither of those funds back I to my cash app I jad done calles them like 4 5 times in the past and they never did a dispute for me about the situation i really meed my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Capital One ailing to resolve duplicate charges for cancelled airline tickets I am filing a complaint against Capital One, XXXX regarding unresolved duplicate charges on my credit card. In XX/XX/year>, I purchased XXXX airline tickets through XXXX for travel on XXXX XXXX. However, my credit card was charged XXXX times for the same amount on the same date. XXXX of these charges correspond to tickets that are cancelled in the XXXX XXXX system. Both XXXX XXXX and XXXX have confirmed that only one valid itinerary exists and that the additional ticket numbers are not active. Despite this, Capital One has repeatedly issued temporary credits and then reversed them, allowing the duplicate charges to be re-presented. This has continued even after my card was replaced. This is a clear case of : * Duplicate billing * Charges for services not rendered ( cancelled tickets ) Capital One has failed to : 1. Process a proper chargeback 2. Permanently remove the invalid charges 3. Prevent re-presentment from the merchant I am requesting that Capital One : * Complete a formal chargeback investigation * Permanently remove the duplicate charges * Block further attempts by the merchant to re-charge these transactions * * They are saying that they can't do anything because the issue is now more than XXXX days old. I have supporting documentation including credit card statements and confirmations from both XXXX and XXXX XXXX. This issue has been ongoing for over a month without resolution. This is not a small amount for our family. The tickets are showing as CANCELLED, but the charges keep on showing up. And all XXXX companies involved are pointing at the other XXXX! Please help!

Company response to consumer: Closed with monetary relief