vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/year>, I made substantial principal/payoff-related payments toward my mortgage loan in an effort to fully satisfy the loan early, including large principal payments in addition to regularly scheduled payments. By early XX/XX/year>, the remaining balance had been reduced to {$28.00} and I paid the {$28.00}, however, automatic payments continued to draft and interest continued accruing while the payoff was still being processed. During this time, I contacted the company multiple times because I believed the loan had effectively been paid off. I continued receiving collection-style calls and received inconsistent verbal information from representatives regarding whether the loan was fully resolved, whether additional amounts were due, and whether I would be receiving a refund or overpayment check. The continued automatic drafting after my payoff attempts, combined with the transaction reversals, suspense balances, late fee assessment, and loan paid in full entries, created significant confusion regarding the true status of the loan and payoff process. A primary concern is the length of time it took for the loan payoff to be fully processed and closed despite the substantial payments already made in XX/XX/year>. During this extended payoff period, interest continued accruing and automatic drafts continued, which contributed to the confusion regarding the final payoff amount and status of the account. I also do not believe a late fee should have been assessed under these circumstances, particularly while automatic payments remained active and substantial payoff payments had already been made. Although the late fee was later waived, its assessment further contributed to the confusion surrounding the payoff process. Because of the continued drafting, reversal activity, and contradictory verbal information provided by representatives, I remain concerned that the loan payoff may not have been accurately or timely reconciled and that potential overpayments may not have been fully addressed or explained. Although the company later provided transaction histories and payoff statements, I believe the payoff handling and communication process was unclear and poorly explained while it was occurring. I acknowledge that the late fee was ultimately waived and the remaining shortage was expensed by the company. However, I am submitting this complaint due to the confusing payoff process, extended delay in closing the loan, continued automatic drafting after payoff attempts, possible unreconciled overpayment concerns, and contradictory information provided during the servicing of the loan payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint against Bank of America ( BofA ) for the improper denial of my fraud claim ( Claim # XXXX ) regarding unauthorized transfers to XXXX, XXXX XXXX, and XXXX XXXX. BofA has failed to fulfill its legal obligations under the Electronic Fund Transfer Act ( Regulation E ). 1. Failure to Issue Provisional Credit ( Reopened XX/XX/year> ) I formally requested to reopen this investigation on XX/XX/year>. Under 12 CFR 1005.11 ( c ), if a bank can not complete its investigation within 10 business days, it must issue provisional credit. It has been nearly XXXX weeks since I reopened this claim, yet BofA has failed to provide these funds while they continue their review. 2. Improper Denial Based on " Intent to Drain '' BofA denied my claim based on the arbitrary logic that because a small balance remained, there was " no intent to drain '' the account. This is a non-legal, speculative conclusion that ignores standard fraud patterns where actors leave nominal amounts to avoid triggering " low balance '' alerts. BofA has provided no technical evidence such as Photo Identification from these companies to support the claim that I authorized these transactions and that these were all my accounts. 3. Misapplication of Timely Reporting Rules BofA cited " untimely reporting '' as a reason for denial. However, under Regulation E, the bank is strictly liable for all unauthorized transfers occurring within 60 days of the transmittal of the first statement containing an error. While this is a secondary account that I do not monitor daily, I reported the fraud as soon as it was discovered. Even if some older transactions fall outside the window, BofA is legally required to reimburse all transactions that occur within the 60-day protection window. A blanket denial of the entire claim is a violation of federal law. 4. Evidence of Third-Party Theft I have confirmed that the funds sent to XXXX did not enter my personal XXXX account. No funds from BofA were deposited into my account during the disputed timeframe. This confirms the funds were directed to a third-party account I do not own or control. BofA has ignored this critical evidence of identity theft and has not verified the recipient account details.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I deposited a check but unbeknownst to me it was fraudulent Immediately I called the bank to notify them They immediately restricted my acct. I do not have access I need to call them for updates. No one tells me anything EXTREMELY LONG WAIT TIMES Then I have to repeat the same information to everyone I speak with. I was told on one occasion i can no longer do business with Ally They will not however, release the funds i have in my acct. The funds have no bearing on the check deposited Those funds belong to me Why are they keeping my money? Why do they not communicate with me? I want my funds please They have no reason whatsoever to be keeping them

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint regarding unauthorized transfers from my account at Bank of America totaling {$99000.00} that occurred on XX/XX/year> These transactions were fraudulent and initiated without my authorization, and I reported them to the bank immediately on XX/XX/year> and the below claims were submitted Claim XXXX {$29000.00} Claim XXXX {$69000.00} The fraud occurred after my mobile phone account with XXXX was compromised through a suspected SIM-swap/eSIM cloning attack, which allowed the criminals to bypass security controls. Despite timely notice and clear evidence that the transfers were unauthorized, the bank has delayed and/or failed to properly reimburse the funds. Under the * * Electronic Fund Transfer Act and related consumer protection regulations, I believe the bank is required to conduct a reasonable investigation and credit my account for unauthorized transfers. I am requesting that the bank, provide a full written explanation of its findings, and immediately reimburse the stolen funds. If this matter can not be resolved promptly, I request that the CFPB review whether the bank has complied with its obligations under federal consumer protection laws. As of XX/XX/year> my last conversation with the Bank was that the claims are still under 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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WI

Complaint narrative:
I lost access to my Cash App account and Im trying to make a balance transfer {$400.00} so I can put it into my active Cash App account but everytime they say i answered the verified question correctly but there is something in there system is not allowing the balance to transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Received a letter from the office of Malen and Associates a Lawyer in XXXX regarding a judgement from XX/XX/year> with XXXX XXXX. The amount they are seeking is {$2100.00} yet they sent no supporting debt details. The letter states that I might be able to get any monies that may have been garnished if my bank account consisted of monies from Social Security income. Why after 16 yrs would this Attorney come looking for money while sending no details plus sending ways to avoid garnishment. All this does is cause is duress and put a negative on credit report. Seeking to have this removed from credit agencies and have them cease further collection actions based on my age

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Credence collections {$1600.00} on my credit report for XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: AL

Complaint narrative:
I was laid off from my job around 4 months after purchasing my homemy during this time I was in contact with BSI FINANCIAL atleast 3 times a week updating them to my situation. They did Start sending me letters stating my single point of contact that would be monitoring my account and be able to answer any questions I had, I immediately started trying to reach this person to no avail, one person I spoke with said they had never even heard that person 's name before, and that same day another person claiming to be a manager said " Oh They Are Not In the Office Today ''. So the next day I try contacting this Single Point Of Contact again never reaching them but a handful of other people. Then almost 3 weeks after this I received another letter from BSI financial Stating a new Single Point Of Contact that once again I could never reach or speak to or even get a direct line number to this person. After reading more than a handful of reviews on the XXXX website I find out that this is a very common occurrence with BSI financial. All I'm asking for is a loan modification, I do not want to lose my house or give up my house, iv worked to hard trying to keep it to give it away to a company that does not want to honor and follow the rules of law. " BSI Financial is violating RESPA Section 1024.40 by failing to provide a functional Single Point of Contact. They send letters listing contacts who do not exist or are unreachable, while simultaneously blocking my access to the mandatory FHA Loss Mitigation XXXX. I am 4 months delinquent and want an immediate modification review handled by a compliant representative. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A Bank of America account with a {$300.00} credit limit was opened on or about XX/XX/XXXX, without my knowledge or authorization. The account currently reflects a {$210.00} balance and charge-off status with reported late payments from XXXX through XXXX. I have been XXXX during this period and could not have personally opened, used, or managed this account. I disputed this information with XXXX and requested that the account and related inquiries be investigated and removed as fraudulent/identity theft-related. Despite my dispute, the inaccurate information continues to appear on my consumer report and is negatively affecting my credit

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
This draft is prepared for direct entry into the Consumer Financial Protection Bureau ( CFPB ) portal. It is structured to emphasize the reporting contradictions and the lack of verification provided by the entities involved. CFPB Complaint : Vinci Law Office XXXX XXXX XXXX XXXX Statement of Facts and Dispute This complaint is filed against Vinci Law Office, LLCXXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) for inaccurate and contradictory credit reporting. Vinci Law Office is currently listed as a furnisher of information on my consumer credit profile regarding an alleged debt involving " The Reserves '' or " XXXX. '' However, upon direct inquiry, Vinci Law Office has stated that the reserves in XXXX and XXXX XXXX XXXX do not belong to them. This creates a fundamental reporting error : a law firm can not report an account to a credit bureau while simultaneously disclaiming ownership or authority over that account. Lack of Debt Verification and Identification Despite my efforts to clarify the nature of this entry, the respondents have failed to provide a clear " who and why '' for their presence on my credit report. There is confusion regarding whether this entity is attempting to collect for a XXXX XXXX credit card or a residential-related balance. Under the Fair Debt Collection Practices Act ( FDCPA ) and the.Fair Credit Reporting Act ( FCRA ) a debt collector must provide validation of the debt upon request and ensure that all information reported to credit bureaus is accurate. The conflicting statements from Vinci Law Office regarding the ownership of this debt constitute a failure to maintain reasonable procedures for accurate reporting. Evidence of Previous Payment and Reporting Inconsistency. Records indicate a previous payment was made toward an initial request of {$340.00}. Despite this, multiple inconsistent balances continue to appear on the credit report. This fraudulent and inconsistent reporting of balances for a debt the law firm claims is not theirs is a direct violation of consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I am filing a complaint regarding a collection account reported by National Credit Systems on behalf of XXXX XXXX XXXX. This account relates to a lease for a unit that I never occupied. Shortly after key collection, I raised concerns about the suitability of the unit and informed property management that I would not be occupying it. I was advised to submit a formal lease termination notice, which I did. During this period, I remained in communication with the property management regarding my move-out and was advised to wait while they reviewed the situation. While this was ongoing, charges continued to accumulate despite my clear intention not to occupy the unit. I returned the keys, and at that time I was informed that the matter would be addressed. Based on this, I understood that the account had been closed and that no further charges would be pursued. I did not request any refund of my deposit. I later received a move-out statement with charges, which I promptly disputed. Despite multiple follow-ups, I did not receive any response or clarification from the property management. Despite this unresolved dispute, the account was sent to collections and reported on my credit report. I also did not receive any prior communication from National Credit Systems before the account was reported, and my subsequent requests for validation and supporting documentation have not been responded to. I believe this reporting is inaccurate and unfair, as the matter was disputed and never properly resolved before being escalated to collections. I request that this account be reviewed, corrected, and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Unauthorized Charges Failure to Properly Investigate and Remove Liability I am filing this complaint regarding my credit card issuers refusal to remove clearly unauthorized charges totaling approximately {$12000.00}. These charges consist of hundreds of transactions made through XXXX over a short period of time, including numerous repetitive transactions occurring on the same days. These transactions were not authorized by me. I even thought our phones were hacked. Upon discovery, I determined that the charges could have been made by my minor child without my knowledge or permission. My child is not an authorized user on the account and did not have actual or apparent authority to use the card. I promptly reported the charges. However, the credit card company denied my claim based solely on the assertion that the transactions originated from my residential IP address. This is not a valid basis to conclude that the transactions were authorized under the Fair Credit Billing Act. The volume and pattern of these transactions were highly unusual and should have triggered fraud detection protocols. Despite hundreds of rapid, repetitive charges, I received no fraud alerts, verification requests, or intervention from the issuer. The company has failed to conduct a reasonable investigation and has improperly shifted liability to me for transactions that were unauthorized. I am requesting that the credit card issuer : 1. Remove all unauthorized charges ; 2. Reverse all associated interest and fees ; and 3. Conduct a proper investigation consistent with its obligations under federal law. If this matter is not resolved promptly, I will pursue all available remedies. I am attaching documentation supporting my claim. Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
I received a letter to CFPB ABOUT MY CASH CHECK OH THE LETTER CAME FROM US BANK EXPLAINING WHAT IS TAKING NORMALLY AFTER A STOP WAS PUTTING ON A CASHIERS CHECK AFTER 90 DAYS, THE MONEY SHOULD BE RELEASED THE SUM OF {$150000.00} WAS HELD BY THE US BANK NOW THEY SAID THEY WILL BE SENDING THE CHECK BACK TO THE ISSUED BANK NOW IVE CONTACTED THE ISSUE TO BANK WHICH IS XXXX XXXX YEAH YET TO RECEIVE TELEPHONE INFO US BANK ABOUT THE CASHIERS CHECK ITS OVER XXXX MONTHS NOW AND IVE NOT GOTTEN MY MONEY. I WANT AN ACTION TO BE TAKEN. I WANT TO WANT MY MONEY RELEASED. Have reported this case too XXXX XXXX XXXX XXXX and order institutions like the FBi orders so I can get my money back

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/2025, an unauthorized account takeover occurred, resulting in the theft of {$30000.00}. The unauthorized access originated from an IP address in XXXX, TN. XXXX XXXX ( XXXX XXXX XXXX ) has completed a full investigation and is prepared to return the funds. However, XXXX XXXX requires a " Hold Harmless Agreement '' or " Letter of Indemnity '' from Coinbase to finalize the recovery. Despite repeated requests and internal escalations to their Banking Operations team over the last nine months, Coinbase ( Cases # XXXX and # XXXX ) has failed to provide this standard documentation. This administrative inaction from Coinbase is currently the sole remaining barrier to the recovery of these stolen funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
This is another thing that I saw on my credit report that I do not recognize from Spring Oaks Capital LLC in the amount of {$660.00} from XXXX XXXX XXXX. I dont know what that is. Im thinking it is a credit card but Im not sure and I dont recognize that.

Company response to consumer: Closed with explanation