vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I " am filing a complaint regarding Bank of Americas failure to honor a promotional bonus associated with my checking account. On XX/XX/year>, I opened a Bank of America Advantage SafeBalance Banking account. At the time of account opening, a promotional bonus offer was applied to my account ( Confirmation No. XXXX ), and I retain documentation confirming this. I received email that says " XXXX Bonus offer applied '' on XXXX XXXX, 2025. I fulfilled the requirements of the promotion, including funding the account. By approximately XX/XX/year>, my account balance reached {$10000.00}, satisfying the funding requirement and stayed over {$10000.00} untill XX/XX/XXXX or later. I contacted the bank multiple times regarding the promotional bonus timeline. During these communications, I was instructed to wait the standard processing period ( approximately 90 days plus an additional review period of up to 60 days ). I followed these instructions and waited the full stated timeframe. Despite completing all requirements and waiting the full period, the promotional bonus was never credited to my account. I also visited a Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I was informed by branch XXXX ( forgot the name ) and XXXX XXXX, that a complaint investigation had been initiated. I requested a case reference number but was never provided XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX requesting status updates and case tracking information. I received no response, no case number, and no resolution. The account has since been closed, and I no longer have access to transaction records. However, the bank maintains full access to account history and is able to verify the funding requirement and account activity. I request that the bank : - Pay the promotional bonus as originally offered, or - Provide a documented and justified explanation for denial I also request that the bank provide full transaction history and records related to this account and promotional eligibility as part of its response. This matter remains unresolved.

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 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am submitting a complaint regarding the handling of my FHA-insured mortgage assistance application by my servicer, Onity Mortgage, formerly PHH Mortgage. I experienced a hardship due to unemployment and was placed on forbearance from XX/XX/XXXX through XX/XX/XXXX, with payments scheduled to resume XX/XX/XXXX. In anticipation of this, I submitted a mortgage assistance application on XX/XX/XXXX. On XX/XX/XXXX, I received a notice indicating additional information was needed. I submitted the requested information on XX/XX/XXXX, within the required timeframe. That submission was not reviewed, and I was later advised to submit a new application on XX/XX/XXXX. The XXXX application was marked complete as of XX/XX/XXXX. Despite having a complete application, I received a Notice of Default dated XX/XX/XXXX. While I remained actively engaged in the loss mitigation process, my loan was referred to foreclosure and a foreclosure sale date was scheduled for XX/XX/XXXX. In XX/XX/XXXX, I was offered a trial modification with a payment that was not affordable based on my unemployment income. I was advised by the servicer to withdraw the trial in order to reapply, which I did in good faith based on their instruction. I reapplied and continued to provide all requested information. My application was acknowledged again on XX/XX/XXXX. On XX/XX/XXXX, I was offered the same payment amount again, which remained unaffordable. On XX/XX/XXXX, I received a denial stating that I did not qualify because I failed to accept a prior modification offer. This is inaccurate. My XXXX withdrawal was based on servicer instruction, not a refusal of assistance, and I remained engaged throughout the process. I am concerned that my XX/XX/XXXX submission was not properly reviewed, that I was required to restart the process unnecessarily, that foreclosure activity progressed while I was actively seeking loss mitigation assistance, and that my unemployment hardship was not appropriately considered in evaluating available FHA loss mitigation options. I am requesting a full re-evaluation of my FHA loss mitigation application based on the complete timeline, proper classification of my XXXX withdrawal, and my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: IL

Complaint narrative:
I initially applied to Edfinancial with an application for the XXXX repayment plan back in the Spring of XXXX -- I have the original application for my loan XXXX. That approval was continuously stalled, but subsequent inquiries to EdFinancial indicated that my application was indeed processed, but put into Forbearance due to the court ligation re : SAVE repayment. EdFinancial then started repayment for my loan in XX/XX/XXXX. When I later inquired why my forbearance ended early, they replied with an email indicating : " We will not extend the forbearance that came along with the XXXX litigation. On XX/XX/XXXX, a federal court issued an order preventing the XXXX Department of Education ( XXXX ) from implementing the Saving on a Valuable Education ( XXXX ) Plan. This means that the XXXX plan is no longer an option and all borrowers on the XXXX plan must more to a different repayment plan by XX/XX/XXXX. '' The Department of Education indicated borrowers in the former XXXX plan have 90 days from the XX/XX/XXXX deadline to move into another payment plan. https : //www.ed.gov/XXXX I should have had until XX/XX/XXXX before my forbearance ended, just like everyone else stuck in XXXX plan limbo. Instead, they re-started my payments in XXXX of XXXX, much sooner than other borrowers. I want the XXXX payments already paid applied as monthly credits starting XX/XX/XXXX. I have attached a letter from EdFinancial on XX/XX/XXXX in response to a prior complaint that shows they acknowledge I had applied for XXXX was placed in Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
b'Harassment via calls multiple times daily for the last several days from Citi:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nVoicemails have been left. Have tried to log in to the site without success.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I paid a collection account with Midland Credit Management on XX/XX/year>. Midland publicly states that it deletes accounts after payment, and I was told by a representative that a deletion request was submitted with control number XXXX and should be processed within several days. However, Midland is refusing to provide any proof of payment, receipt, or zero balance confirmation despite multiple requests. This is creating a time-sensitive issue because I am currently in the mortgage approval process and my lender requires documentation. Additionally, I have received inconsistent information regarding the deletion timeline. I was told 37 days, but also that their normal process is 3045 days. I am requesting : Immediate written confirmation that the account has been paid in full and reflects a zero balance Confirmation that the deletion request tied to control number XXXX has been submitted and expedited Prompt processing of the deletion in accordance with Midlands stated policy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made an ACH transfer between Bank of America and XXXX XXXX XXXX to a client who turned out to be a fraudulent client. Both banks approved and sent my money through that same day after I found out. This was a fraudulent activity and called the police. You investigated asked them to look at again. They have denied me again. This is not right, they are {$2.00} XXXX banks. They should have better due diligence than to pass through {$2000.00} to an unknown party who had already established credit with a XXXX XXXX I am requesting at least a XXXX dollars of the XXXX XXXX that has been defrauded of me

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 2026-05-04 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: Chime Financial Inc
State: IN

Complaint narrative:
Hi, Im reaching out because I have unfortunately been the victim of a phishing scam that resulted in the theft of my entire XXXX check. Chime denied the dispute. While I have filed an appeal with Chime to dispute the transactions, I am currently facing a severe financial crisis. I am at risk of eviction if my rent is not paid by XX/XX/2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
I have been having issues with SPS since XXXX Recently this last year I have been sending some payments via certified mail or priority mail for tracking purposes and they dont always post accurate data on mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing in reference to not being able to open an Checking Account. The following accounts appears on my EARLY WARNING CONSUMER report. XXXX XXXX XXXX XXXX I am requesting the following information be DELETED from my EARLY WARNING CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Company is violating FDCPA has called me more then 7 times in less then 7 days and also had pushed multiple app notifications within the grace period i have for my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was told by XXXX XXXX at Bank of America, that I would be able to close my account and receive the money left in my account. I went to a branch to do this today and was told that I can not close my account and will not receive my money until they close my account and my money will be sent at a later time. This is in exact contradiction to what XXXX and XXXX in XXXX had told me.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello and thanks for help with BOA XXXX XXXX who whilst in conversation about gaining my late Fathers account remittance and closure of account they have proceeded with sending these funds to Florida XXXX XXXX I am the daughter and legal heir of my late father, XXXX XXXX who passed away on XX/XX/year>. I am a resident of the XXXX XXXX.I have been in constant communication with Bank of Americas XXXX XXXX XXXX ( Case Number : XXXX for over XXXX years. During this time, I provided the bank with an XXXX Death Certificate and notified them via phone and email that I had initiated a Summary Administration in the Florida XXXX XXXX, incurring {$5000.00} in legal fees.Despite having notice of these active legal proceedings and a verified claim, Bank of America failed to flag the account to prevent escheatment. The bank has now confirmed that my fathers funds were remitted to the Florida XXXX XXXX XXXX XXXX approximately 30 days ago.Since this transfer, Bank of America has ceased responding to my emails. I am requesting that Bank of America provide : A formal Remittance Advice or receipt showing the exact amount transferred to the state.The State Report ID and the date of remittance.An explanation for why the funds were escheated despite my active, documented claim and BoA 's internal estate case.Bank of America 's negligence has caused significant administrative delay and distress in a time of bereavement. With many thanks in advance 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 2026-05-04 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: MS

Complaint narrative:
I am filing a complaint regarding an incorrect debit and negative balance applied to my Cash App account related to a disputed check deposit. In XXXX or XXXX of XXXX, I attempted to deposit a check using Cash App. The deposit was not completed and was not credited to my account. Cash App did not accept check and deposit was declined. On XX/XX/XXXX, I received notice from Cash App that the deposit had failed. My account transaction history does not show any successful deposit, credit, or availability of these funds at any time. After the Cash App deposit failed originally in XXXX, I deposited the same check at another financial institution, where it was successfully processed without issue in XX/XX/XXXX. On XX/XX/XXXX, Cash App debited my account {$75.00} labeled as check reversal which resulted in a negative account balance. Cash App claims that funds were previously deposited XX/XX/XXXX ; however, there is no corresponding transaction in my account history showing that any funds were actually credited or made available to me. The only documentation provided by Cash App is an email notification. There is no transaction record or account ledger entry reflecting that a deposit was completed. In addition I tried resolving this issue several times with Cash App. I even have verification that a representative verified they were unable to see where the funds were deposited in my account. Then I spoke with another representative who only provided a typed statement via email saying the funds were deposited on XX/XX/XXXX. I did not receive proof of deposit and was told to contact my employer who issued the check. I have provided proof of the message that I received saying that it was declined. I have provided a screenshot of my Cash App activity that shows that it was declined on XX/XX/XXXX and I also provided a screenshot from the conversation with a representative who verified that what I was stating was correct as far as not receiving the deposit of funds into my account and I provided verification that the check was deposited into a different bank account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
I get XXXX and my pending payment was XXXX when I checked again around XXXX the first it sent me straight to customer service waited for XXXX no answer at all. When daylight came went downstairs to pay rent at motel I live in and it declined payment, so called XXXX XXXX costumer service again waited hr and a half, so I decided well I'll try atm it declined my wife went online and card said invalid. So this morning I called waited XXXX hrs XXXX minutes on hold lady finally answered and she then hung up when I said oh good thank XXXX been waiting XXXX hrs. My wife paid XXXX weeks if I don't get my money from XXXX XXXX we have to go to the streets we are both old with XXXX and health problems. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
ServiceMac , LLC improperly placed lender-placed hazard insurance on my mortgage ( Loan # XXXX, property at XXXX XXXX XXXX XXXX XXXX TX XXXX ) despite my homeowner 's insurance being verified and on file. Timeline : On XX/XX/XXXX I received a XXXX confirmation that my insurance information was reviewed and updated. On XX/XX/XXXX, servicing transferred from XXXX XXXX XXXX XXXX ServiceMac. Despite my insurance being on file before the transfer, ServiceMac placed LPI effective XX/XX/XXXX at $ XXXX. On XX/XX/XXXX they sent a " second and final notice '' claiming no insurance was on file. In XX/XX/XXXX they disbursed {$3200.00} from my escrow for the LPI premium, driving my escrow to - {$3200.00}. Their XX/XX/XXXX escrow analysis shows a {$5800.00} shortage and projects another {$3200.00} LPI disbursement in XX/XX/XXXX. My monthly payment is being increased from {$4100.00} to {$4800.00} effective XX/XX/XXXX a $ XXXX increase entirely because of LPI that should never have been placed. Resolution requested : ( 1 ) Cancel LPI retroactive to XX/XX/XXXX ; ( 2 ) refund the full {$3200.00} to my escrow account ; ( 3 ) re-run the escrow analysis using my actual policy ; ( 4 ) reverse the XX/XX/XXXX payment increase ; ( XXXX ) refund any overpayment. Supporting documents available : Closing Disclosure, XXXX email, ServiceMac notice, escrow analysis, XXXX forms, insurance declarations page.

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 2026-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, we visited XXXX XXXX XXXX to purchase XXXX bedroom sets totaling {$8700.00}. At the time of purchase, we clearly stated that we could only pick up or receive delivery on XXXX due to our work schedules. The person who identified himself as the XXXX assured us that delivery on XXXX XXXX XXXX XXXX would not be a problem. On that day, we arrived at approximately XXXX XXXX. After waiting for more than an hour, no furniture was delivered. Staff informed us that the items were not ready and that they did not have enough personnel. They asked us to move heavy boxes ourselves inside their warehouse to retrieve the furniture, which we refused due to safety concerns. I requested that they bring the furniture outside so we could take responsibility from there, but the XXXX became upset and began yelling at my son. Ultimately, they refused to deliver the furniture and asked us to leave the premises. We left at approximately XXXX XXXX without receiving any items. We requested to cancel the purchase, but the XXXX refused, stating that we had to wait according to the contract terms. I do not speak XXXX fluently, and the contract terms were not clearly explained to me before signing. The following day, I went to Chase Bank to file a dispute. The bank issued a temporary credit while investigating. However, I was later notified that the credit will be reversed on XX/XX/XXXX, based on the merchants claim that partial delivery was made. This is completely false. To date, we have not received any furniture, either partially or in full. It has been over XXXX months, and the merchant refuses to issue a refund. Additionally, the merchant ran a credit inquiry without my authorization and charged my card directly. This money belongs to my children, who worked hard to save it. My son is XXXX XXXX XXXX and my daughter is XXXX, and this situation has significantly affected them. I am requesting that the dispute be reopened and that I receive a full refund, as no merchandise was ever delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
In XXXX XXXX, I had an account with XXXX that involved leased equipment. I made multiple attempts to return the equipment, but XXXX refused to accept it. Despite my efforts, the account was charged for unreturned equipment and later reported as a debt. This alleged debt was subsequently placed with third-party collection agencies, including Jefferson Capital Systems LLC ( approx. {$570.00} ) and XXXX XXXX ( approx. {$330.00} ), and is currently being reported on my credit. I have disputed this matter and requested documentation verifying the validity of the debt, including proof that the equipment was not returned and that I am legally responsible for the balance. To date, no sufficient documentation has been provided. This debt is not valid, as I made good-faith efforts to return the equipment and resolve the issue. The continued reporting and collection of this account is inaccurate and has negatively impacted my credit. I am requesting a full investigation, validation of the debt, and removal of this account from my credit report if it can not be properly verified. I have documentation showing that the original creditor, XXXX, issued a settlement offer regarding this account and indicated the possibility of selling the account to a third party. This demonstrates that the account was not properly resolved and was transferred despite my prior attempts to return the equipment and resolve the matter. I also made efforts via phone to return the equipment, which were refused. As a result, the balance should not have been assessed or reported as a valid debt.

Company response to consumer: Closed with non-monetary relief