vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Eastern Account System Improper Collection Reporting and Failure to Provide Documentation To Whom It May Concern, I am submitting this formal complaint against Eastern Account System regarding improper handling of a collection account that is currently affecting my credit report and financial standing. On XX/XX/XXXX, I paid in full a debt originally associated with XXXX. This account was sent to collections due to an error on XXXX part. Prior to this, I never received any written notice, validation letter, or communication from Eastern Account System regarding this alleged debt, as required by law. I became aware of this collection only after it appeared on my credit report. Immediately upon discovering it, I contacted Eastern Account System and paid the balance in full. At that time, I was assured that they would provide me with a written letter confirming the resolution of the account and assist in removing the collection from my credit report. However, to this date, Eastern Account System has failed to send any written confirmation or letter, and the collection account continues to be reported inaccurately. This situation does not reflect my true financial status and is causing significant harm to my credit, finances, and business operations. Their failure to provide proper notice, validate the debt, and update or remove the account after payment is unacceptable and may constitute violations of federal consumer protection laws. I appreciate your attention to this matter and look forward to a prompt resolution. XXXX XXXX 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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding Citizens Banks handling of a fraudulent ACH transaction involving my business account. On XX/XX/year>, an ACH transaction in the amount of {$6900.00} was processed after I was the victim of a phishing and impersonation scam. The individual/entity involved falsely represented themselves as XXXX ( XXXX XXXX XXXX XXXX XXXX leading me to authorize the transaction under false pretenses. This was not a legitimate transaction. The authorization was obtained through deception and fraud, and therefore does not constitute valid authorization. Citizens Bank has acknowledged that a recovery attempt was made with the receiving bank ; however, I was informed that no funds could be recovered and the case was subsequently closed. At no point was this matter properly addressed as a fraud claim involving impersonation. My concern is that the bank appears to have treated this solely as a recovery issue, rather than conducting a thorough fraud investigation into whether the transaction should be considered unauthorized due to fraudulent misrepresentation. I am requesting that Citizens Bank : * Reopen this case as a fraud investigation involving impersonation and phishing * Review whether the transaction was improperly classified as authorized * Provide a formal written explanation of their determination regarding fraud liability and reimbursement This incident has also been reported to the Federal Trade Commission and the FBI XXXX XXXX XXXX XXXX ( XXXX ). I am seeking a fair review of this matter based on the fact that authorization obtained through fraud is not valid authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: TN

Complaint narrative:
I disputed a XXXX XXXX account that was reported by a collection agency ( XXXX XXXX XXXX ), and XXXX investigated and approved deletion of this account from my credit report. After this confirmed deletion, the same debt has been re-reported by different collection agencies, including XXXX. XXXX, XXXX ( XX/XX/year> ) and Waypoint Resource Group ( XX/XX/year> ), across different credit bureaus. This is the same underlying account being reassigned and reinserted after it was already removed. I was not provided any written notice of reinsertion within 5 days as required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). I have disputed this multiple times, and the credit bureaus continue to respond with verified without providing any documentation, method of verification, or proof of ownership of the debt. This has caused ongoing damage to my credit report and lowered my credit score due to repeated and duplicate reporting of the same account. I am requesting that this account be permanently removed from all credit reports and that further reinsertion or reassignment reporting of this same debt be stopped. Respectfully 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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied and was approved for a Bank of America credit card on Tuesday, XX/XX/XXXX. I attempted to call in to request an expedited card, but the agent was unable to send the verification code to my phone number on file, and no other method of verification was made available to me. I was asked to go to a financial center with 2 forms of identification and verify myself in person, which I did on Thursday, XX/XX/XXXX, and was able to get an expedited card delivered to me. On Thursday, XX/XX/XXXX, when attempting to use my card, a transaction was declined. I received no information from Bank of America and my online account showed " Online Banking is not available to you at this time. Please call us at ... '' I called and attempted to speak with an agent on Monday, XX/XX/XXXX. This agent, like the agent on Tuesday, XX/XX/XXXX, was unable to send a verification number to my phone number, and asked me to again present myself at a financial center with 2 forms of identification and verify myself in person. This repeated in-person verification is an onerous hassle.

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 2026-04-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Account Debit on XX/XX/scrub> 2026 | Final Denial Received XX/XX/scrub> 2026 To Whom It May Concern, I am writing to formally dispute an unauthorized debit of {$150.00} posted to my account on XX/XX/year>2026, and to demand its immediate reversal. Despite multiple attempts to resolve this, Wells Fargo 's fraud department has issued a final denial on XX/XX/year>2026, which I am formally contesting. Timeline of Events : XX/XX/scrub> 2026 I received a {$150.00} XXXX payment from XXXX XXXX. XX/XX/year>2026 ( same day ) I returned the full {$150.00} to the same sender via XXXX. The matter was resolved from my end on the same day it occurred. XX/XX/scrub> 2026 A Wells Fargo representative, who was on the call with me, opened a ticket classifying the incoming transfer as an unknown/unrecognized transaction. I explicitly instructed the representative during that same call to close the ticket, as the funds had already been returned. The ticket was not closed. XX/XX/scrub> 2026 Without my authorization or notice, Wells Fargo closed the ticket by debiting an additional {$150.00} from my account a duplicate reversal on a transaction I had already personally resolved XXXX days earlier. XX/XX/scrub> 2026 Wells Fargo 's fraud department issued a final resolution stating they will not reverse the XXXX XXXX, 2026 debit. I reject this resolution as it is factually incorrect and financially harmful to me. Why This Debit Is Invalid : The XX/XX/XXXX debit is a clear error. The funds were already returned to the sender on XX/XX/scrub>, 2026 the same day the ticket was opened. Wells Fargo 's internal process created a duplicate reversal without my consent, XXXX days after the matter was already closed on my end. I am now out {$150.00} through no fault of my own. The fraud department 's denial does not change these facts. Evidence Available : XXXX transaction records showing the XX/XX/XXXX return to XXXX XXXX Call record from XX/XX/scrub> 2026 confirming my instruction to close the ticket Account statement showing the unauthorized XX/XX/XXXX debit Resolution Demanded : Full reversal of the {$150.00} debit posted XX/XX/year>2026 Written confirmation that the case is closed in my favor Review of the XX/XX/scrub>, 2026 call recording as evidence Escalation Notice : As Wells Fargo has issued a final denial that I believe is factually wrong, I will be filing complaints with the following regulatory bodies immediately : Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Recently Robinhood emailed me that it closed my Robinhood account. However, I still have stocks in the account and they didn't transfer the money back to my bank account. Since I just got a new phone and traded in the old phone and now I can't log into the account. Without login, it's impossible to do anything on the account or contact any customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent a debt validation letter on XX/XX/XXXX and on XX/XX/XXXX. I havent received any thing. For XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TOTAL MORTGAGE SERVICES LLC
State: MD

Complaint narrative:
Hello, I am following up regarding my previous complaint and request for reimbursement. I entered into a purchase contract for a condominium property at XXXX XXXX in XXXX, Maryland. During the transaction, I was advised by the loan officer, XXXX XXXX, to proceed with scheduling inspections and appraisal while the loan process was underway. Based on this guidance, I paid {$550.00} for a home appraisal. After these costs were incurred, I was informed that the condominium project did not qualify for conventional financing due to the association not completing the required condo questionnaire. This critical eligibility issue should have been verified prior to advising me to proceed. I have previously contacted your compliance department regarding this matter. While I did receive a reimbursement of {$580.00} for inspection-related expenses, I have not received reimbursement for the {$550.00} appraisal fee. Over the past three weeks, my follow-up emails have not resulted in a resolution. Given that I relied on guidance from your team before the propertys financing eligibility was confirmed, I am requesting full reimbursement of the {$550.00} appraisal fee. Please provide a written response within 5 business days regarding the status of this request. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Guild Holdings Company
State: SC

Complaint narrative:
I am filing this complaint against Guild Mortgage Company for inaccurate and misleading credit reporting during an active loss mitigation period on my FHA mortgage. Prior to entering a trial payment plan, I was approved for a forbearance, indicating that my loan was under hardship assistance and not in standard delinquency status. Following this, I was placed into an approved Trial Payment Plan, with my first payment due on XX/XX/year>. XXXX Mortgages own documentation confirms that my first trial payment in the amount of {$2200.00} was received on XX/XX/year>, on time. Despite being under continuous loss mitigation ( forbearance followed by a trial payment plan ) and making payments as agreed, XXXX Mortgage has continued to report my account as XXXX days past due and/or severely delinquent to the credit bureaus. This reporting is inaccurate and misleading because : The account was under active loss mitigation, not standard delinquency Payments were being made as agreed under the trial plan The reported status does not accurately reflect the true condition of the account I made a good faith effort to resolve this issue directly by sending a certified dispute letter to Guild Mortgage. Despite this, I have not received a meaningful response, and the inaccurate reporting continues. It appears that Guild Mortgage is delaying correction of this inaccurate reporting until completion of the trial payment plan. However, reporting an account as severely delinquent while it is actively under a loss mitigation agreement and payments are being made as agreed is misleading and causes ongoing harm. The Fair Credit Reporting Act requires that information furnished to credit bureaus be accurate and not misleading. Continuing to report severe delinquency under these circumstances does not meet that standard. I have also attached a current copy of my credit report reflecting the inaccurate XXXX delinquency being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Tomo Networks, Inc.
State: IL

Complaint narrative:
I applied for a mortgage with XXXX and provided a complete loan application, including all XXXX pieces of information required under federal law to trigger a XXXX XXXX ( name, income, Social Security number, property address, estimated value, and desired loan amount ). Despite this, XXXX refused to provide a XXXX XXXX. After confirming that my application was complete, I repeatedly requested the required disclosure. The loan advisor, XXXX XXXX ( XXXX XXXX XXXX ), did not provide the Loan Estimate and instead gave unclear and inconsistent explanations that do not align with XXXX XXXX requirements. When I pressed further and asserted my right to receive the required disclosures, I was told that XXXX would instead issue a denial letter. This statement came only after I requested my rights and documentation, and not due to any legitimate change in my qualifications. I am well-qualified for this loan and have been pre-approved or qualified by other lenders for the same transaction. The timing and context strongly suggest this was a retaliatory action intended to avoid issuing a XXXX XXXX and complying with federal disclosure requirements. Additionally, when I requested to escalate the issue, I was told that a XXXX was involved but was refused the managers name or contact information. This prevented any meaningful escalation or resolution. Refusing to issue a XXXX XXXX and instead threatening or initiating a denial after a consumer asserts their rights appears to be an attempt to circumvent XXXX requirements and constitutes a deceptive practice. This conduct prevented me from comparing loan terms and interfered with my ability to proceed with financing in a transparent and fair manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year> I flew XXXX from XXXX, MA to XXXX, XXXX. I prepaid {$350.00} for 2 pieces of luggage round-trip using my XXXX XXXX credit card. My return trip on XX/XX/year> was cancelled by XXXX. They rebooked my flight home on XX/XX/year> but could not transfer my prepaid luggage to my new ticket. When I showed up at the airport to fly home I was told by XXXX that they required a credit card to process my luggage home. I used my Capital One card and was promised a refund upon my arrival. XXXX has yet to address the issue so I opened a dispute with Capital One and complied with their requested information and process. Capital One refused to properly consider my claim based on missing information from me. I contacted Capital One on XX/XX/year> and while I was on the phone I sent them everything they asked for with their representative confirming they had what they needed. Within a matter of hours my claim was again denied, based on missing information. I again called on XX/XX/year> and the process was repeated with the same exact result. I have been told that there is nothing further that they can do without telling me what is missing. They have refused to connect me with their executive office as requested continual hanging up on me. In brief, I provided everything Capital One requested, but they have declined to properly consider the information as requested and presented, and will not identify the missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Truist Banks handling of a fraud claim involving a XXXX transaction. On XX/XX/scrub> 2026, I sent a XXXX payment of {$2500.00} to XXXX, associated with the name XXXX XXXX, as part of what was presented as a legitimate music licensing transaction. This transaction was part of a coordinated fraud scheme. I received a {$6000.00} check from the purported client ( XXXX XXXX ), and the funds were made available in my account. I relied on that availability when making the XXXX payment. The check was later returned by the bank with the notation unable to locate account, confirming that the account did not exist and that the transaction was fraudulent. Truist denied my claim in a letter dated XX/XX/year>2026, stating that I received benefit from the transaction. This determination is incorrect. I received no legitimate benefit, as the check was fraudulent and uncollectible, and I suffered a net financial loss. Importantly, Truist issued its denial before reviewing my clarification letter and supporting documentation, which I submitted on XX/XX/year>2026. I subsequently submitted, on XX/XX/scrub> 2026, a formal appeal via their email address provided to me, and have received no response. Additional facts supporting fraud : Certified statutory demand letter was delivered and signed for at theXX/XX/XXXX address on XX/XX/scrub>, 2026 Certified mail sent to theXX/XX/XXXXaddress was refused The individuals involved used false identities and are not locatable This matter has been reported to the FTC, XXXX ( FBI ), and the XX/XX/XXXX Attorney General I am requesting that Truist : XXXX. Reopen and properly investigate this claim as a fraud-induced transaction XXXX. Reconsider its determination that I received any benefit XXXX. Provide a full explanation and documentation supporting its denial I believe Truist has misclassified this fraud case and failed to properly investigate based on the available evidence.

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 2026-04-20 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My card was stolen XXXX in XXXX while I was away they stole that my watch my gold chain and my shoes my wallet had my id all my cards and ssn. I reported a police reports as well they made an account for some company under my info and ran up the tab.

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