vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: NY

Complaint narrative:
I received the following email from Advance America XXXX on XX/XX/year> at XXXX XXXX. I did not attempt to set up an account with them and, in order to avoid phishing, I called the number I independently found on their website. That number does not permit me to report fraud unless I can provide my social security number, loan number or phone number. Since I did not apply for this loan, and I only know that Advance America has my email address, I could not progress further, and there is no option to talk to an operator. I then called the number below and it was a similar set-up and could not complain. The email also does not allow for replies to be received. Please shut down this company, which fails to follow the most basic fraud and consumer protections.

The email text is as follows : Hi, Thank you for starting your Advance America account set up. The security of your account and personal information is very important to us. Youll receive further communications from us as you complete your account authentication.

Thanks, Your Advance America Team If you believe you received this email in error, please contact us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Loan Number XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Cell : XXXX Insurance Company : XXXX XXXX Mortgage XXXX : Citizens Bank Citizens XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX I am filing a complaint regarding improper handling of insurance claim escrow funds by Citizens Bank related to my residential property insurance claim. 
Citizens Bank has been holding insurance claim proceeds in escrow since approximately XX/XX/XXXX following property damage and subsequent repair construction. These funds are required to pay contractors performing repair work. 
Citizens requires periodic inspections through a XXXX vendor before releasing funds. However, the inspection and disbursement process appears inconsistent, unsupported, and financially harmful. 
Key events are as follows : On XX/XX/XXXX, a virtual inspection was performed by Citizens XXXX inspection vendor. The property was determined to be 56 % complete, and additional escrow funds were released based on this determination. 
On XX/XX/XXXX, a second virtual inspection was conducted after substantial additional construction work had been completed. Despite additional progress supported by photographic documentation, the completion percentage was inexplicably reduced to 42 % complete, representing a 25 % regression. 
I contacted the inspection vendor to request an explanation for the regression in completion percentage. The vendor stated they did not know how or why the percentage changed and that I would need to wait approximately XXXX days for a response. 
I then contacted Citizens Banks escrow dispute department. A representative stated he would contact the vendor while I remained on hold. The call was disconnected, and I received no return call. 
I subsequently scheduled another inspection. The inspection vendor called at the scheduled time but the call went directly to voicemail. The voicemail instructed me to call a provided number, which turned out to be a fax number, preventing scheduling or resolution. 
Additional attempts to escalate through Citizens Bank have been unsuccessful, including being denied access to a supervisor. 
The reduction in completion percentage appears arbitrary and unsupported by construction progress or inspection documentation. The lack of transparency and inability to obtain explanations or timely inspections is delaying XXXX payments and causing financial harm. 
I am requesting that Citizens Bank : -Provide written justification for inspection percentage calculations -Correct inaccurate inspection findings -Expedite inspection and escrow disbursement -Provide oversight and accountability for their XXXX inspection vendor -Establish a reliable communication and escalation process I believe the banks handling of escrow disbursement and vendor oversight may constitute improper mortgage servicing practices and unfair delay of insurance proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I tried to get money from ATM they must of got my information and drained the money

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 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called into SPS XXXX as I usually to setup my XX/XX/XXXX mortgage after my XX/XX/XXXX payment had cleared. Also, when I called in to setup my monthly payment, I was reminded, as I have been several times, that there was an outstanding balance At the end of XX/XX/XXXX, I had sufficient funds to clear my mortgage payment but my payment wasn't clearing ; from Monday to Wednesday, XXXX to XXXX, on Wednesday, XXXX @ XXXX PST, I called in to SPS more than once to ask, '' Why hasn't my payment cleared? '' After speaking with a young man, who happens to be XXXX-American, I got the response, '' We'll just wait and see '' and check back on Friday - and again he emphasized that the late fees and charges were due and I again stated that I would pay them in XX/XX/XXXX when I get my tax refund. To wit, I setup my own automatic payment on Thursday, XXXX, via SPS 's online portal am presenting this issue to you now - Question : Are there DEI - like parties within SPS that are leveraging consumer XXXX  and the need to pay late fees by disrupting pre-authorized consumer mortgage payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Date : XX/XX/2026 To : Consumer Financial Protection Bureau Re : Complaint against Huntington Bank Unfair Account Closure / Lack of Transparency To Whom It May Concern : I am filing this formal complaint regarding an unjustified account closure by Huntington Bank, which has left me without access to my funds or a clear explanation of the " risk factors '' cited.

The Details of the Situation : Approximately three weeks ago, I opened a new checking account with Huntington Bank. On XX/XX/2026, XX/XX/2026, without prior warning, the branch unilaterally closed my account.

When I inquired about the reason, I was vaguely informed that a " risk factor appeared '' and that the branch decided to close the account based on this flag. I was not provided with : Specific details regarding what this " risk factor '' is.

The name of the third-party consumer reporting agency ( such as XXXX  or XXXX XXXX XXXX ) that may have supplied the information leading to this adverse action.

An opportunity to correct potentially inaccurate information.

My Dispute : I believe this closure may be based on inaccurate or incomplete information. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to know if an adverse action was taken based on a third-party report. The bank 's refusal to provide transparency prevents me from disputing any errors that may exist in my consumer files.

Resolution Requested : I am requesting the CFPBs assistance to secure the following from Huntington Bank : A written explanation of the specific " risk factor '' that caused the closure.

If a third-party report was used, the identity and contact information of the reporting agency so I may review my file.

Confirmation that the funds remaining in the account ( totaling approximately {$8800.00} ] ) are being returned to me immediately via check or transfer.

If this closure was an error, I request that the account be reinstated or, at a minimum, that the closure is reported as " Client Requested '' rather than " Bank Initiated '' to prevent damage to my future banking history.

Thank you for your assistance in resolving this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander Bank closed my checking account in approximately XX/XX/XXXX and told me they would return my remaining balance by mailing a check. Because I was outside the U.S. and was about to move, I called Santander and asked them not to mail the check yet until I could update my mailing address in person. 

Around XX/XX/XXXX, I went to the Santander Bank XXXX, NJ branch to provide my new mailing address. Branch staff told me it would take about XXXX business days to receive the balance check. However, by late XX/XX/XXXX, I still had not received any check. During this period, I repeatedly contacted the branch, including an Assistant Vice President there, but no solution was provided. Because there is no nearby Santander branch where I currently live, the closest one requires about a XXXX XXXX, which made follow-up difficult. 

In late XX/XX/XXXX, due to the long delay and concern the check was lost, I drove about XXXX hours back to the XXXX branch and asked them to request that Santander reissue the balance check. In early XX/XX/XXXX, I finally received a check for {$3700.00}. When I attempted to deposit it into my non-Santander checking account, the deposit failed. I then learned the check had been originally issued/mailed in XX/XX/XXXX and had since been stopped/voided, meaning it was invalid. Santander told me to continue waiting for a newly issued replacement check. 

Around XX/XX/XXXX, I called Santanders fraud department and explained the situation. I was told to bring the voided check and my ID to a branch and cash it in person. A few days later, I again drove about XXXX hours to the XXXX branch and requested a cash payout as instructed, but the branch refused to do so and did not provide an alternative resolution. 

As of XX/XX/XXXX, I still have not received a valid balance check and Santander has not returned my {$3700.00}. Santander has also refused to provide any tracking number or verifiable proof of mailing for a replacement check. I have spent significant time and travel costs trying to recover my funds, and Santanders delays and inconsistent guidance have prevented me from accessing my money.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Loan had illegal high interest rates in Georgia. I was not aware of the illegal rates per state at time of loan. 
Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cloud Willis & Ellis, LLC
State: AL

Complaint narrative:
I sent XXXX notarized letters for Cloud & Willis to stop contacting me, especially during work hours, except by written letter. They continued to do so. I sent the most recent letter XX/XX/year>. Also, I requested verification of debt that I did not receive. XXXX threatened garnishment of my wages if I did not set up a payment plan immediately during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I started the process of ordering medication through XXXX XXXX for {$190.00} but decided against it. I spoke with XXXX XXXX  and they cancelled my account and sent me an email to verify and stated in their email that they have not received any funds therefore I need to contact my credit card, Barclay. I filed several disputes and each have been denied. I have been dealing with this since XX/XX/year>.

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 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Online scam claiming to be XXXX XXXXXXXX XXXX  company for first time home buyers. They sent me threats when I realized the scam. They sent me checks that were not authorized and when I sent back to them via XXXX as they requested. This caused an overdraft since the funds were never mine. I was used by them to funnel the fraudulent funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am requesting immediate and permanent resolution of inaccurate and unlawful credit reporting by Online Information Services.

Online Information Services is reporting an alleged debt that I do not recognize and for which no identifying information has been provided. I have never received a debt validation notice identifying the original creditor, account number, date of delinquency, or legal basis for this alleged obligation, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ).

By continuing to report and attempt to collect an unidentified and unverified debt, Online Information Services has engaged in collection activity without providing validation, in violation of 15 U.S.C. 1692g ( b ), which requires all collection and reporting activity to cease until proper verification is provided.

Online Information Services is furnishing inaccurate and incomplete information to consumer reporting agencies in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and has failed to conduct a reasonable investigation after dispute in violation of 15 U.S.C. 1681s-2 ( b ). 
I am a XXXX patient, and the continued reporting of an unidentified debt has caused substantial financial hardship and emotional distress, interfering with my ability to maintain financial stability and access necessary medical care for myself and my children. This conduct constitutes oppressive and abusive collection practices under 15 U.S.C. 1692d, as well as unfair and unconscionable means of collection under 15 U.S.C. 1692f.

By reporting an alleged obligation without identifying the creditor or establishing a valid legal debt, Online Information Services has misrepresented the character, amount, and legal status of the alleged debt, in violation of 15 U.S.C. 1692e ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Material inconsistencies in delinquency history, conflicting payment dates, and contradictory loan terms on a closed installment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, at the Renasant Bank located at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, United States , I inserted my debit card and deposited well over {$900.00} in cash ( approximately {$990.00} ). 

I know this amount was correct because I remember having approximately {$700.00} in {$100.00} bills, {$280.00} in {$20.00} bills, one {$10.00} bill, and a few {$1.00} bills. I made the mistake of depositing all of the cash at once, although it was still under the 30-bill maximum limit. 

After inserting the cash, the ATM displayed a deposit amount of {$700.00} on the screen and asked me to confirm the deposit. This amount was partial and incorrect. Unsure of what to do and not knowing whether I could deny the amount shown, I waited approximately 30 seconds. After waiting, the ATM froze and displayed the message : SORRY, THIS MACHINE IS TEMPORARILY OUT OF SERVICE. 
There was no completed transaction. 
The ATM retained both my cash and my debit card. 

I went to the bank the following day, XX/XX/XXXX, at approximately XXXX XXXX, and the bank staff returned my debit card. I asked whether the ATM had shown any errors, and I was told that it had not and that the machine appeared to be working fine that morning. I explained the issue in detail and was told that I would need to wait for the ATM to be balanced and that the issue would be resolved. 

I informed them that the amount deposited was approximately {$990.00}. Unfortunately, no formal report was filed ; the amount was only written down. 

Several weeks passed, and no credit was applied to my accountnot even the incorrect amount of {$700.00} that had appeared on the ATM screen. To this day, I have received no credit at all from this deposit. 

On XX/XX/XXXX, I filed a formal dispute explaining the situation and included a photo of the ATM taken that night showing the error message. On XX/XX/XXXX, I received a letter stating that the ATM was balanced and that no error had occurred. The ATM is operated by a third-party vendor, which makes me question the reliability of this determination. 
Also, There is no indication that deposit error logs, transaction journals, sensor or jam records, or exception reports were reviewed to determine what occurred during the failed deposit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts and inquiries have been reported on my Equifax report. I am disputing the accuracy of these items. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Company : Bank of America XXXX : Credit card Issue : Fraudulent charges/ unauthorized transactions Amount : {$5900.00} Date of fraud : XX/XX/2025 Claim number XXXX Complaint narrative : I am filing this complaint regarding Bank of Americas denial of my fraud claim involving unauthorized credit card charges totaling {$5900.00} made on XX/XX/2025. 

These transactions were not authorized by me, I did not benefit from them, and they were made without my knowledge or consent. Once I became aware of the charges, I promptly reported them to Bank of America and fully cooperated with their investigation. 

Despite this, Bank of America denied my fraud claim. The denial did not adequately explain how these charges were determined to be authorized, nor did it address the fact that I dispute responsibility for them under federal consumer protection laws governing unauthorized credit card use. 

I am requesting that Bank of America : Reopen and properly investigate this fraud claim Permanently credit the disputed amount of {$5900.00} Remove any interest, fees, or negative credit reporting related to these charges Provide a written explanation of their findings and evidence used to deny the claim I believe Bank of Americas handling of this matter is inconsistent with its obligations to protect consumers from unauthorized credit card transactions. I am seeking a fair resolution and full reversal of the fraudulent charges. 

What resolution are you seeking? 

Full refund of unauthorized charges, removal of related interest and fees, and correction of any credit reporting.

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