vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am lodging a formal complaint against XXXX XXXX for a material disclosure omission, lack of informed consent, and unauthorized transaction execution regarding my XXXXXXXX XXXX XXXX XXXX distribution ( Accenture Plan ID XXXX ). On Thursday, XX/XX/year>, representative XXXX XXXX explicitly quoted me a transaction structure based on a {$30000.00} gross cash disbursement to deliver a final net cash payout of exactly {$23000.00}. I gave explicit verbal authorization for those exact numbers. When the agent vaguely stated, 'and the loan will be in that, ' I reasonably understood him to mean the loan was factored inside the {$30000.00} total structure we were actively breaking down. Instead, without my knowledge or informed consent, the representative processed a completely different transaction for a {$55000.00} gross liquidation, which cut my final net cash payout down to {$17000.00}. The representative completely failed to verbally disclose the {$55000.00} gross total or the {$17000.00} net figure before submitting the trade. A vague, ambiguous phrase from an agent does not constitute a compliant financial disclosure or informed consumer consent for a five-figure transaction change. To date, Merrill Lynch has failed to deliver any of these funds to my bank account. Instead, I have been bounced around to at least four different frontline agents who refused to take accountability, and the company has permitted the original agent to call my personal line to debate his defense. Furthermore, on XX/XX/XXXX, without my knowledge, the firm manually altered the settled transaction to change the delivery method from an electronic ACH wire to a mailed paper check. this unauthorized system intercept has actively caused me immediate, severe harm to my home renovation timeline. I explicitly promised my contractors a deposit tomorrow, Thursday XX/XX/XXXX, to secure my place on their schedule ; if I do not have this deposit tomorrow, the contractors are going to walk away from this job.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX a computerized check was mailed from Citibank to the XXXX XXXX XXXX in the amount of {$300.00} which they never received. Someone intercepted the check somehow and cashed it to their own personal bank account to XXXX XXXX bank mobile deposit only they wrote on the back of the check. As you can clearly see the XXXX XXXX XXXX doesnt sign checks its a stamp from them for deposits. This has absolutely been a nightmare with Citibank for being a gold customer of XXXX XXXX years. I went to another bank to have an affidavit of forgery signed and notarized. I am so extremely disappointed in the calls and customer service I have gotten in this matter. Now moving forward I was given back the money in XXXX XXXX XXXX and now in XXXX XXXX XXXX Citibank took the money back out of my account stating that I used my debit card no I did not ( see a copy of the forged check ) and that it is normal banking activity well yes it is because I pay the dues quarterly. So yes it is a business that checks are sent to on a regular basis. But if they didnt receive the check and was not cashed by the XXXX XXXX XXXX how can I ask for my money back from them. This is clearly fraud.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/year>, I applied for and opened a new XXXX XXXX XXXX card issued by First National Bank of Omaha ( FNBO ). I applied under a specific promotional offer advertising XXXX sign-up bonuses : a {$200.00} statement credit after my first purchase, plus an additional XXXX bonus points if I spent {$500.00} or more on a qualifying XXXX package or purchase within the first XXXX billing cycles. On XX/XX/year>, I met the spending requirement by making a qualifying purchase of over {$500.00}. While FNBO honored the {$200.00} statement credit, they have refused to deposit the XXXX bonus points into my account. I contacted FNBOs customer service and executive appeals teams to resolve this tracking error. They have wrongfully disputed the bonus on XXXX contradictory grounds : They initially claimed the XXXX promotion was " not on the original signup, '' despite the fact that I have screenshots from XX/XX/XXXX proving the offer was active during my application window. FNBO 's executive team subsequently claimed that the XXXX points only apply to " in-park purchases. '' As shown in the attached " XXXX XXXX XXXX Terms and Conditions Summary, '' the bank 's own contract explicitly contradicts their second claim. The " Bonus Earnings '' section states that the XXXX points are awarded for a " XXXX XXXX XXXXXXXX. '' Under the " Net Purchases '' section, item ( 1 ) explicitly defines a " XXXX XXXX XXXXXXXX '' as a vacation package purchased online from XXXXXXXX XXXX official websites, specifically distinguishing it from in-park spending. Because I met the exact written criteria of the contract and have proof of the active promotion, FNBO is in breach of their advertised promotional terms. Desired Resolution : I request that FNBO manually adjust my rewards balance to credit the missing XXXX promotional bonus points to my account, as dictated by the terms of the offer under which I applied.

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 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: TX

Complaint narrative:
I have filed a complaint with the XXXX XXXX XXXX regarding TEK COLLECT and am now requesting that the CFPB conduct a thorough investigation into this companys collection and credit-reporting practices. I have repeatedly requested proper documentation and validation of the alleged debt from TEK COLLECT, both by phone and through multiple written dispute letters. To date, I have not received proper documentation establishing that I am legally responsible for this debt, that the balance is accurate, or that TEK COLLECT has the authority to collect and report this account. An invoice alone is not sufficient documentation or validation of an alleged debt. I have requested supporting records, including documentation from the original creditor, an itemized accounting of the balance, proof of TEK COLLECTs authority to collect, and documentation showing how this account was verified before being reported to the credit bureaus. I have not received this information. Despite my repeated disputes and requests for documentation, TEK COLLECT continues to repeatedly call me regarding this alleged debt. I am requesting that the CFPB conduct a deep investigation into TEK COLLECT because it has continued collection activity while failing to provide the documentation I have repeatedly requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IA

Complaint narrative:
I am an Iowa resident filing a formal complaint against Uprova Credit , LLC regarding an online installment loan. This company is operating as a supervised lender targeting consumers inside the state of Iowa without holding the mandatory state lending license required by the Iowa Division of Banking.Furthermore, the interest rates and finance charges applied to this loan exponentially exceed the legal usury limits established under Iowa Code 535.4.The Iowa Attorney General 's office has explicitly confirmed that because this online tribal lending entity lacks proper state licensing, this entire loan agreement is completely void from inception under Iowa Code 537.2301 ( 3 ). Under Iowa law, I am under no legal obligation to pay either the principal amount financed or any associated finance charges.I have already sent a formal written notice to Uprova revoking my ACH banking authorization, my debit card authorization, and any voluntary wage garnishment agreements. I am filing this federal complaint to ensure the merchant immediately ceases all collection activity, stops attempting to access my bank account, and acknowledges that this contract is completely void and unenforceable under my state 's laws.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX took {$1100.00} from my father 's account on XX/XX/year>. The {$1100.00} was the amount of my father 's Social Security check for XX/XX/year>. The Social Security Administration stated that because my father died on XX/XX/year>, they were not going to take his {$1100.00} back for XX/XX/year>. It could be used for funeral expenses. However, XXXX XXXX took my father 's {$1100.00} on XX/XX/year>. And Social Security Administration stated that the {$1100.00} was not returned to them. Therefore, XXXX XXXX Nestspend owes me {$1100.00}. I am filing a claim for theft with the US Social Security Administration if Netspend does not refund the {$1100.00} that is what my attorney has instructed me to do against XXXX XXXX Netspend. I have contacted XXXX XXXX ; at XXXX XXXX XXXX XXXX approximately 15 times and he has never answered the phone or returned any of my messages. All of the customer representatives can barely speak english or comprehend the situation. That is why I contacted the US Social Security Administration and an attorney. Please help. I am really tired of dealing with this company.

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 2026-06-24 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: MIDFIRST BANK
State: MD

Complaint narrative:
I dispute XXXX XXXX response and request further review. XXXX states that income and expenses were not part of the payment assistance review, but I was previously advised that I was denied because I could not afford the mortgage. I request that XXXX explain this inconsistency in writing. I also request a complete breakdown of every FHA loss mitigation option reviewed, including Repayment Plan, Forbearance, Standalone Partial Claim, Standalone Loan Modification, Combination Loan Modification and Partial Claim, and Payment Supplement. For each option, please identify the specific FHA guideline used to deny me. My missed trial payment was caused by an involuntary federal government shutdown/furlough, not unwillingness to pay. I made the first trial payment and returned to work with income. I request escalation to FHA/HUD for review of whether any exception, repayment arrangement, foreclosure pause, or alternative retention option is available. Please also provide : my full payment history, current reinstatement amount, the exact amount needed to bring the loan below one full monthly principal-and-interest payment, foreclosure referral status, all denial letters, all loss mitigation notes, and the FHA case number used for review.

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 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I was putting a friends money in the bank to pay his bill, and they IMMEDIATELY withdrew it from my checking.... I sent them a cessation order to stop pulling AHC transactions. They then pulled money from my account XXXX more times after the order ( twice immediately after, and twice more XXXX hours later ) they refuse to refund it and are refusing to acknowledge the EFTA regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or about XXXX months ago, I made a credit card purchase in the amount of {$1400.00}. However, when the transaction posted to my Bank of America credit card account, the amount increased to {$1900.00}, an unauthorized increase of {$500.00}. I immediately disputed the charge with Bank of America because I never authorized a transaction for {$1900.00}. I have screenshots and documentation showing that the original purchase amount was {$1400.00}. Despite this evidence, Bank of America denied my dispute. I am extremely dissatisfied with the handling of this matter. Bank of America has failed to adequately explain how the transaction amount increased by {$500.00} or provide any evidence that I authorized the higher amount. I am requesting that Bank of America : 1. Reinvestigate this dispute thoroughly. 2. Provide me with all documentation and evidence relied upon in reaching its decision. 3. Produce any signed receipt, authorization, invoice, or other proof showing that I approved a charge of {$1900.00}. 4. Explain how the transaction amount increased from {$1400.00} to {$1900.00} after the purchase was completed. To date, no one has provided evidence that I authorized the additional {$500.00} charge. If Bank of America maintains its position, I expect it to provide clear documentation supporting that conclusion. I am seeking a fair review of the facts and reimbursement of the unauthorized {$500.00} charge

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 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A debt collector is reporting a collection account on my credit report that has not been properly verified. I requested validation of the debt, but no sufficient documentation was provided. Despite this, they continued reporting the account and used threatening language, including suggesting legal action and damage to my credit if I did not pay. This behavior violates my rights under the FCRA and FDCPA, as the information is inaccurate, unverified, and being used to pressure payment.

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 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally complain about an unresolved {$1000.00} charge on my Wells Fargo account that was not reversed while other disputed charges were credited back, and I have received no adequate explanation for this inconsistent outcome. I submitted documentation and followed the required dispute procedures in good faith, yet your representatives have been unable or unwilling to explain the basis for denying reversal of this particular charge, how the investigation was conducted, what evidence or policy led to that decision, or why the same standards were not applied to the other disputed transactions that were reversed. This lack of transparency and apparent inconsistency is unacceptable : I request a full, written explanation of the decision-making process, including the dates and names of staff involved, the specific evidence or account activity relied upon, and the bank policies or codes applied ; if an error was made, I demand immediate reversal of the {$1000.00} charge and correction of my account balance and records. If you can not provide a complete justification within 14 calendar days, or if your explanation does not satisfactorily address these concerns, I will escalate this matter to the Consumer Financial Protection Bureau, my state banking regulator, and consider pursuing legal remedies. Please respond in writing to the address or email on file and provide a direct phone number for a supervisor who can resolve this matter promptly.

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 2026-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Complaint Against Freedom Mortgage Short Sale Review Delay I am submitting this complaint regarding a short sale request currently under review by Freedom Mortgage. My complete short sale package was submitted to Freedom Mortgage on or about XX/XX/year>. Since that time, I have made numerous calls to obtain the status of my file because I have a buyer under contract and am at risk of losing the sale if the review is not completed. Over the past several weeks, I have received inconsistent information from different representatives regarding the status of my file. On multiple occasions, I was informed that the file was in underwriting. However, during my most recent call on XX/XX/year>, I was told that the file is still in the Intake department and may not yet have been submitted to underwriting. Freedom Mortgage representatives have acknowledged that all required documents have been received, but they have been unable to provide : The date the Intake review began. Whether Intake has actually reviewed the file. The date the file was or will be submitted to underwriting. Whether there are any outstanding conditions preventing the file from moving forward. A meaningful estimate of when a decision may be made. As of the date of this complaint, approximately eight weeks have passed since my package was submitted. I am concerned that the review process has been significantly delayed and that I may lose my buyer due to the lack of progress and lack of clear communication. I am requesting that Freedom Mortgage : Provide the current and accurate status of my short sale file. Confirm whether Intake has completed its review. Confirm whether any documents are missing, expired, or otherwise preventing the file from advancing. Provide the date the file was assigned to each stage of review. Explain the reason for the delay since submission of the complete package. Review the file for expedited processing due to the risk of losing the buyer. I am not requesting approval of the short sale through this complaint. I am requesting transparency regarding the status of the file and assistance in resolving what appears to be an extended delay in the review process. Thank you.

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