vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am filing this complaint regarding the abrupt closure of two business bank accounts held with U.S. Bank, without prior notice, meaningful explanation, or an opportunity to resolve any alleged issue. 

The following business accounts were affected : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Both accounts were active, legitimate business accounts used for normal operating expenses, vendor payments, and payroll-related transactions. 

U.S. Bank informed me that the accounts were being closed but refused to provide a specific reason for the closures. I was not given advance warning, documentation, or any explanation outlining what policy, regulation, or activity allegedly justified this action. 

As a result of these closures : Access to business funds was interrupted Business operations were disrupted Bills and obligations were delayed My businesses were placed under unnecessary financial strain I made multiple attempts to obtain clarification from U.S. Bank representatives and supervisors. Each time, I was told that no additional information could be provided and that the decision was final. 

At no point was I notified of : Any compliance concern Any suspected fraudulent activity Any violation of terms Any opportunity to submit documentation or cure an issue The lack of transparency and due process raises serious concerns about fair banking practices and compliance with consumer and small business protections.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WI

Complaint narrative:
Company : U.S. Bank Product : Business checking account Issue : Failure to execute stop payment correctly ; unauthorized withdrawal What happened : I requested a stop payment on check # XXXX after discovering the payment was issued due to an upstream payroll error that was not authorized by me. I contacted my U.S. Bank business banker directly and provided the correct business account information multiple times via email and phone. 

On XX/XX/year>, U.S. Bank processed a stop payment fee. However, the stop payment was incorrectly applied to my personal checking account, not the business account on which the check was drawn. As a result, the stop payment was ineffective, and the check cleared on XX/XX/year>. 

The branch manager later confirmed that fees were refunded and acknowledged internal training and process issues. However, the underlying unauthorized withdrawal has not been remediated. 

Why this is a problem : Because U.S. Bank applied the stop payment to the wrong account : - An unauthorized withdrawal of over {$2500.00} cleared my business account - My small business experienced a significant cash-flow disruption - I spent extensive time attempting to correct a preventable error - The bank relied on generalized stop-payment disclaimers rather than addressing the execution error itself. 

This was not a situation where a correctly placed stop payment failed due to processing limitations. The stop payment was misapplied despite clear instruction, which is a bank error. 

What I believe the company did wrong : U.S. Bank : - Failed to apply a stop payment to the correct account despite repeated confirmation - Processed a stop payment fee without ensuring the stop payment was effective - Allowed an unauthorized payment to clear due to internal error - Refunded fees but did not remediate the resulting financial harm What I want the company to do : I am requesting : - Reimbursement of the unauthorized withdrawal that cleared due to U.S. Banks failure to execute the stop payment correctly - Confirmation of the root cause of the error - Written assurance of process improvements to prevent recurrence This issue has materially impacted my business finances and my confidence in U.S. Banks account handling.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am the owner of a newly formed engraving business. My first transaction processed through Square was a legitimate, completed order consisting of XXXX custom-engraved cups. The total transaction amount was {$23000.00}, and the order required over XXXX hours of labor to complete. 

After the transaction was processed, Square placed a hold on the full amount of {$23000.00} and requested additional documentation. I promptly responded and repeatedly stated that I was willing to provide any and all documentation needed to verify my business, the transaction, and fulfillment of the order.

Despite this, Square permanently deactivated my account without providing a specific reason, evidence of wrongdoing, or an opportunity to submit documentation for review or appeal. Square has repeatedly stated that it can not provide details regarding the decision.

Square is now holding my funds for 90 days, until at least XX/XX/year>, with no explanation beyond generic statements. I have no access to the funds despite the transaction being legitimate and fully completed. 

As a new small business, the withholding of {$23000.00} prevents me from paying suppliers, taxes, and operating expenses and threatens the immediate survival of my business. Square has refused to provide transparency, due process, or meaningful review, leaving me with no option other than to wait while my funds remain inaccessible. 

I am seeking regulatory assistance to obtain a clear explanation, a fair review process, and access to funds earned through legitimate business activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Regarding Complaint # XXXX AND # XXXX : The response I just received in the mail is completely inaccurate regarding my Mortgage Assistance Application. It does not include my hardship date that started XX/XX/XXXX and the failed payment plan proves my hardship. My mortgage assistance application completed on XX/XX/XXXX was denied the very next day ( XX/XX/XXXX ). NCSECU didnt even take the appropriate time to review the application. 
This letter also states that a Notice of Default Letter was sent on XX/XX/XXXX. This is completely false. I even spoke to 2 different mortgage reps who stated that the letter had never been sent because inaccurate information was on the letter. I recorded these calls. NCSECU is not being truthful. I have been in this house for almost 5 years and they are flat out refusing to help me and giving false information. I would like this escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, Bank of America closed my savings accounts. On XX/XX/year>, the bank issued two cashiers checks for the remaining balances, one in the amount of {$2900.00} and another in the amount of {$7100.00}, and mailed them to my confirmed correct address. I received the {$2900.00} check but never received the {$7100.00} check, despite monitoring my mail closely. I promptly reported the non-receipt to Bank of America and requested assistance. 

Bank of America has acknowledged that the funds are undisputed, that the account is closed, that the check was mailed to the correct address, and that I did not receive it. However, I was informed that the bank will not reissue or replace the missing cashiers check until a full 120-day waiting period has elapsed, regardless of the confirmed delivery failure. During this time, I have been left without access to my own funds, with no interim remedy and no mitigation offered.

While I understand that waiting periods may exist for fraud-prevention purposes, the application of this policy in my case has caused significant and unnecessary consumer harm. The bank is aware that standard mail delivery already failed once, yet has not committed to a safer alternative such as in-branch pickup with identity verification or tracked overnight delivery. As a result, the same risk of loss is likely to recur, while the entire burden of delay and risk is placed on me despite no wrongdoing or negligence on my part.

I am not disputing the banks right to maintain fraud controls, but I believe the refusal to apply those controls in a reasonable and proportional manner is unfair. These are my own funds from a closed account, the obligation to pay is not in question, and safer, verifiable release methods exist. The continued delay has caused financial hardship and leaves me exposed to further risk through no fault of my own. 

I am requesting CFPB review and assistance to ensure that Bank of America takes reasonable steps to mitigate consumer harm, prepares for immediate reissuance once the waiting period expires, and commits to a secure delivery method such as in-branch pickup or tracked overnight delivery rather than standard mail.

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 2026-01-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My HSA debit card was stolen and used fraudulently at XXXX for over {$1000.00}. I reported the unauthorized transactions and submitted the required fraud affidavit multiple times, including by XXXX with tracking on XX/XX/year>, to the correct HSA Bank processing address in XXXX XXXX, SD. 

HSA Bank claims they did not receive the documentation, has repeatedly instructed me to resend the same forms, and has stated there is no supervisor or escalation path and no way to confirm receipt. No provisional credit has been issued, no investigation status has been provided, and no resolution has occurred. 

This failure to investigate, communicate, or provide provisional credit is a violation of the Electronic Fund Transfer Act and Regulation E. 

Because of HSA Banks inaction, I was forced to pay out-of-pocket for necessary medical and vision expenses for myself and my daughter, including contacts and glasses, and I have fallen behind on other bills. This financial hardship is a direct result of HSA Banks mishandling of my fraud claim.

I am requesting immediate reimbursement of the stolen funds, reimbursement of my out-of-pocket medical and vision expenses, and additional compensation for the prolonged delay, financial hardship, and inconvenience caused by HSA Banks failure to meet its legal obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX  used a 'bait-and-switch ' tactic regarding the cost of my education. When I enrolled, I was promised an affordable degree supported by robust institutional and federal grants. In my first year, I had XXXX out-of-pocket costs. Relying on this promise, I committed to the program. 

However, once I was deep into my degree and in a 'sunk cost ' position where I could not transfer without losing credits, the school revoked my grants. When I called the Financial Aid Office to request reinstatement on multiple occasions, I was verbally told they would not help and that my only option to graduate was to take out private loans from Sallie Mae. 

Based on this verbal steering from the school, I was forced to take out three private loans from Sallie Mae : Application XXXX ( XX/XX/XXXX ) for {$4800.00} at 9.375 % interest. 

Application XXXX ( XX/XX/XXXX ) for {$6900.00} at 10.00 % interest. 

Application XXXX ( XX/XX/XXXX ) for {$3600.00} at 10.375 % interest. 

These loans were predatory and unaffordable to me especially at that young age. Because I was a student with no professional income, my parents had to step in and help pay these off despite my working two part time jobs at the time to prevent financial strain due to my dad being a cosigner on the loan. I am seeking a full refund for my parents and I of the principal and interest paid on these loans, as they were the direct result of the school 's misrepresentation and lack of transparency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a couple accounts with BMO Bank. This bank has acted in deceptive and egregious ways and is allowing my bank card to remain open and accessible for more fraud to take place on my account. I lost my card the other day but due to the holiday on Monday XX/XX/year> I could not call and file a claim or attempt to get a replacement card since the bank was closed. When I noticed a charge was made on my account, I attempted to go to the Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX at XXXX which is before close time at XXXX to advise of the fraud and get a replacement card but the location locked their doors before close time at XXXX and wouldnt let me in. I knocked on the door since there were people there behind the counter who seen me at the door and they just walked away and didnt attempt to come to the door and decided to walk away and ignore me. I then called BMO Bank customer service and waited XXXX hr to even speak to a representative. I advised I needed to complete a couple things including filing a complaint against the location for closing early and ignoring me at the door. When I provided the phone number associated with my account the person advised me that my account was restricted for over the phone service. Upset not knowing or understanding why I inquired and advised I have fraud on my account and need my card closed. The representative would not tell me why or how my account is restricted for over the phone service and I requested to speak to a supervisor because I need to get the fraud addressed. The rep said they would transfer me to a supervisor and then hung up on me after waiting to speak to someone for an hour. Months ago, I was advised my account was restricted over the phone and I could not access it and I went into the branch located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX immediately the next day to address the issue which I was given the impression everything was ok. I have since been inside other BMO Harris branch locations no one has ever advised I had any restrictions on my account in any manner nor attempted to resolve the matter. This bank is participating in allowing fraudulent transactions to take place on my account and did not allow me to request closure and file a claim. This bank also refused to assist me by communicating why my account was restricted and chose to hang up on me when I requested to speak to a supervisor. These malicious and egregious actions of this bank need to addressed and handled as they continue to deceive me thinking things are fine with my account and they are not, nor have they ever made any attempts to ensure there were no issues.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Perpay, Inc.
State: AR

Complaint narrative:
Perpay admitted a billing error caused by an internal system glitch. Despite knowing the correct payment should have been {$78.00}, they continued withdrawing {$38.00} from my account while my card remained suspended. Once informed, I immediately corrected my direct deposit. Perpay is now refusing to reinstate my card and has refused supervisory escalation. A representative disconnected my call after I requested a supervisor on a formal billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a concerning email from XXXX with subject JG Wentworth Notice of Broken XXXX XXXX XXXX XXXX Settlement advising I was in breach of my consolidation loan contract due to untimely payments or lack of proper funding and they would now need to try and renegotiate with XXXX. I immediately replied within the hour as I have never missed a payment, was never contacted to advise of any alleged shortage of funds, and in fact, had increased my original monthly payment from {$190.00} to {$250.00} at my request, which I have paid timely in accordance with my agreement since my first payment on XX/XX/XXXX. The XX/XX/XXXX response from JG support rep was not only condescending, it was robotic and did not address my request for details on the alleged missed/partial payments or the alleged shortage that has prevented JG Wentworth paying XXXX in accordance with our agreement. I again immediately replied within the hour asking for a Manager to contact me or I would engage our family attorney. After no reply, I sent a follow-up email on XX/XX/XXXX requesting a response. No response has been received, and no XXXX has contacted me. 

I immediately went to their online portal records and also checked my bank accounts. Their online platform is not customer friendly and really needs enhancements. As I advised on XX/XX/XXXX and XXXX to their support team, I have not missed or been past due on my monthly payments, nor have I sent any partial payments. It is very rude and unprofessional to send an email to a client with accusations of breaching a contract without any specific details or supporting documentation. Additionally, considering this is a binding agreement and there is an accusation that its been breached, a formal notice by mail should be sent and include information or transaction history. I have been accused of not being in good standing and threatened that my alleged breach has caused one of my creditors, XXXX, to not receive payment and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I was charged a large amount of deferred interest on my Citibank XXXX Best Buy credit card. I had been making payments every month during the promotional financing period and believed my account was in good standing. 

When I later reviewed my statement, I discovered that the total interest charged was {$1900.00}. This amount was shocking and unreasonable, and I was not clearly or prominently informed that the promotional period was ending or that failure to pay the full remaining balance would result in all interest being added retroactively. 

This unexpected interest charge caused serious financial hardship. My checking account did not have sufficient funds to cover the charge, and funds were automatically transferred from my savings account, leaving my checking account with a XXXX balance. 

As a result, I was left without access to money needed for basic living expenses. The charge was unexpected, disruptive, and created an immediate financial hardship that I could not reasonably anticipate.

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