vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 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: AL

Complaint narrative:
On Monday, XX/XX/year>, I attempted to report unauthorized transactions to Bank of America but was unable to reach a representative due to extended hold times. I successfully reported the transactions on Tuesday, XX/XX/year>, and was informed by a supervisor that I would receive an expedited provisional credit within 23 business days. That did not occur. On XX/XX/year>, I spoke with a representative identifying herself as XXXX ( Agent ID : XXXX ), who was rude and confirmed I had been given misinformation, stating it would take XXXX business days for a credit despite prior assurances of an expedited process. These assurances were made on recorded calls. Between XX/XX/XXXX and XX/XX/year>, I made multiple attempts to resolve this issue and was met with excessive hold times, repeated transfers without notice, and calls being disconnected after extended periods of re-explaining my situation. On XX/XX/year>, at approximately XXXXXXXX XXXX, I called for further clarification and was disconnected while being transferred just before the department closed. When I called back, another representative confirmed the department was closed and expressed confusion as to why no provisional credit had been issued and why international fees were applied. Despite reporting the transactions on XX/XX/XXXX, they were allowed to post and additional international transaction fees were charged. I was also not notified of fraud alerts and had to discover the activity myself. As a direct result, I am unable to access my funds, can not put gas in my car, missed a scheduled flight, and now have overdue financial obligations. While I understand Regulation E allows up to 10 business days, the bank provided inaccurate information and failed to handle this claim appropriately. I am requesting immediate provisional credit, reversal of all related fees, reimbursement for resulting expenses, and a formal explanation.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo opened SIX unauthorized accounts in my name and will not answer any questions. This is unacceptable and has damaged my life and credit. I expect to be compensated.

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 2026-04-24 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: Block, Inc.
State: IL

Complaint narrative:
On Saturday XX/XX/year> I paid a deposit for a hotel I was staying at and was told that once I check out the money would be reversed and was told they only hold funds and once I check out I get my {$100.00} back. The room was left in top condition and I checked out but the transaction completed. I contacted the hotel in which they told me since it complete I would I have to contact my bank or dispute and I disputes it with Cash App and they denied my disputed they did not properly investigate it and I was due my {$100.00} there was no reason they shouldve have denied it and they deny any and every dispute I send to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX someone XXXX XXXX from Wells Fargo XXXX XXXX called me and said there was fraud on my account. I logged into my Wells Fargo app on my XXXX and saw the XXXX fraud transactions to XXXX XXXX in XXXX ga and they bought XXXX XXXX in XXXX. Then he was able to transfer {$8600.00} all I had in my checking account to someone using XXXX. Including almost {$1600.00} that was pending!!! I called Wells Fargo XX/XX/XXXX and reported fraud. They denied my claim XX/XX/XXXX. So I have lost everything I had!

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Repeat of previous report to upload proof XXXX XXXX XXXX XXXX sent me a XXXX via palpal. Wanted to close account with XXXX and told cant cuz money a XXXX in account. Disputed and XXXX XXXX sent me side won. I mean a XXXX to me and I havent even accepted it. This is a scam and XXXX will not allow me to resubmit or challenge this. Given error message. All info found in my portal. Proof/evidence attached. This is fraud to say the least. I XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citibank credit card and for 30 years, we have agreed that Citibank automatically debit my monthly balance from my bank, so in my 30 years I have never held a balance. On XX/XX/XXXX I was surprised to incur a {$21.00} interest charge due to a balance from my XXXX statement. Citibank, instead of withdrawing {$1400.00} to pay off my XXXX balance, instead withdrew unexplainably only {$1000.00}. Citibank refunded the {$21.00} and promised to look into the automatic withdrawal system so that I would not have a balance. I did not hear from anyone as to what happened or how it would not happen again. I filed a complaint with CFPB and did not hear anything. I was mortified to see that this continued on to this month. On XX/XX/XXXX Citibank charged me {$65.00} in interest even though Citibank correctly withdrew {$2800.00} in order to pay the balance from the XXXX statement and all charges from the XXXX statement. My account was paid off fully for the XXXX statement, yet Citibank somehow found cause to once again charge me interest. When I asked senior manager XXXX why this was, she apologized and offered to refund the money, but could not explain what happened, only that interest is charged to the average daily balance which for the month of XXXX contained both a XXXX balance in addition to my charges from XXXX. I appreciate the refund of interest charges, however I can not trust a bank who repeatedly has billing errors, and who can not fix these errors or tell me how they are going to remedy this for future billings. Their repeated action to fail to withdraw the full amount per our agreement is illegal against the Fair Credit Billing Act since creditors must credit the account on the day received and in the manner we have agreed upon, and by withdrawing an amount insufficient to cover the balance and thereby incur interest charges is a violation of this FCBA and our cardholder agreement. This " double cycle billing '' is also illegal under the Credit Card Act of 2009, which requires fair and transparent billing and interest calculation.

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 2026-04-24 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Purchase Made with Raymour & Flanigan in XX/XX/year> in the amount of {$2700.00} with down payment of {$540.00}, leaving a balance of {$2100.00}. Delivery of XXXX, XXXX and XXXX was supposed to be XX/XX/year>. I never got the delivery but was told that they had the chair and the ottoman at the warehouse, but not the sofa. I was told that the sofa had a tear in it, so it would take another 4 weeks before delivery. I immediately went into the store to cancel. They said no problem ; they would cancel and return my down payment. I went in the store and called on numerous occasions to be told " the check is in the mail '' despite filing a XXXX complaint and multiple contact, the refund of {$540.00} has not been issued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Purchased a car with cash. However, credit acceptance sent a letter demanding 66 months for payment. Although, I paid the total amount with the third party Dealer For XXXXRemove Lien. And stop selling my information.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
This transaction arose from a XXXX XXXX XXXX. I was selling a cat house on XXXX XXXX when a person contacted me asking whether it was still available. I confirmed that it was. The person then asked what payment method I preferred, and I said XXXX and provided my phone number. After that, the buyer sent me a screenshot claiming that because the payment was being sent from a business account, it would not go through unless an additional amount was sent in order to upgrade my XXXX account. I then received emails that appeared to be from XXXX, stating that I needed to complete this process and contact a phone number for assistance. When I called that number, I was instructed to continue the process over XXXX while screen sharing my phone. During that call, I was told to move money from my savings to checking and send a test payment that I was told would be refunded once the supposed XXXX business account upgrade was completed. I first attempted to send money through XXXX, but it showed an error. I then attempted XXXX XXXX, which also did not go through. I was then directed to use XXXX, and during that same call I sent the XXXX payment that is now being disputed. After that, the scammers attempted to get me to send another {$1000.00}, which thankfully did not go through. They then tried to direct me to Chime for another payment, and at that point I realized this was a scam and ended the call. I was deceived into sending this payment based on false claims that I needed to pay for a XXXX business account upgrade. That promised service was never real and was never provided. For that reason, this should be reviewed as a payment made for a nonexistent service that was not received. I am attaching supporting documentation, including XXXX XXXX messages, fake XXXX emails, screenshots and screen recordings from the XXXX screen-share XXXX, and the XXXX transaction screenshot. XXXX of the attached screenshots from the XXXX session shows the screen-share feature enabled in the center of the XXXX XXXX XXXX which supports that I was being actively guided through the payment steps in real time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of disputes on my Cash App XXXX XXXX. I timely reported disputed transactions and requested an investigation. Cash App did not appear to conduct a reasonable investigation and did not provide a clear explanation of the basis for its decision. I do not believe my dispute was handled in compliance with federal error-resolution requirements. My issue is not just the transaction itself, but the failure to properly investigate after notice was given. I am requesting that the company and/or issuing bank review the disputed transactions, explain what investigation was performed, provide the evidence relied upon, and correct any error, including reimbursement where appropriate. Relevant details : Date dispute reported : XX/XX/year> Transaction date ( s ) : XX/XX/year> Amount ( s ) : {$35.00} Merchant name ( s ) : Supply Matters Dispute reference number ( s ) : XXXX Denied Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Subject : Escalation Unjust Account Closure After XXXX Years of Perfect Payment History To Whom It May Concern, I am formally escalating a complaint regarding the abrupt and unjustified closure of my Home Depot credit account, which had been in excellent standing since XXXX. For nearly a decade, I have maintained a flawless payment historynever missing a payment. Recently, following the XXXX of my father, I inadvertently submitted XXXX payments from a bank account that had been closed. This was an isolated and understandable error during an extremely difficult and disruptive time. What is completely unacceptable is your companys response. At no point did XXXX XXXX or its issuing bank attempt to contact meno phone call, no email, no textdespite my long-standing history as a reliable customer. Instead, my account was immediately closed without warning. This action demonstrates : - A complete failure in basic customer communication - A lack of reasonable review for long-term, high-quality account holders - A rigid and irresponsible approach to account management To make matters worse, after spending over an hour and a half on the phone attempting to resolve this, I was told there is nothing that can be done. That response is unacceptable and reflects poorly on your customer service and internal escalation processes. Let me be clear : This is not a case of habitual missed payments or financial irresponsibility. This is a single incident tied directly to a family XXXX and an honest oversightafter nearly XXXX years of perfect account management. The decision to close this account without any attempt at resolution or communication is excessive, unnecessary, and damaging. As a small business owner, access to credit is critical. Your actions have now : - Disrupted my ability to operate efficiently - Potentially damaged my credit profile - Broken trust built over nearly a decade I am demanding the following : - An immediate executive-level review of this account closure - Reconsideration of reinstating the account - Removal or suppression of any negative credit reporting tied to this incident - A formal explanation as to why no outreach attempt was made prior to closure If this matter is not resolved appropriately, I am prepared to pursue further action, including : - Filing formal disputes with all major credit bureaus - Escalating complaints through the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency - Sharing my experience publicly as a warning to other long-term customers I expect this matter to be taken seriously and handled at the appropriate levelnot dismissed with generic responses. I look forward to your prompt response. Sincerely, 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 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
A collection account reported by National Credit Systems is currently listed on my Experian credit report in connection with a prior lease at XXXX XXXX Co-op Apartments and Townhomes, which I understand to be the original creditor. National Credit Systems is a third-party collection agency, and I have not been provided any documentation showing that they have legal ownership or authority to collect this alleged debt. I have submitted more than 10 disputes with Experian regarding this account. Each time, the account has been verified, but no supporting documentation or proper validation has been provided to me. Specifically, I have not received : Any signed lease agreement bearing my signature A complete, itemized statement of the charges Proof of assignment or transfer of the debt to National Credit Systems Disclosure of the method of verification used in response to my disputes Despite repeated disputes, this account continues to be reported and updated without proper validation. This is currently preventing me from being approved for housing and is causing immediate financial and personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: NV

Complaint narrative:
I sent a formal dispute and request for investigation under the Fai Credit Billing Act ( 15 u.s.c. 1666 ) .and the Truth in Lending Act. I sent a formal letter Certified Mail on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint because my previous dispute with Cash App was closed without fully resolving the issue. I reported multiple unauthorized transactions on my account. I did not authorize these purchases. As soon as I became aware of the activity, I immediately contacted the merchant ( XXXX ) to stop the orders before they were processed or shipped. Despite this, the items were still sent to my address without my authorization. Cash App denied or only partially refunded my claim, stating that the items were delivered to my home. Delivery to my address does not prove that I authorized these transactions. Unauthorized users commonly ship items to the account holders address. Cash App has access to transaction data, including IP addresses, device information, and timestamps, which should confirm that these transactions were not initiated by me. I have also filed a police report regarding these fraudulent transactions and can provide documentation as supporting evidence. Additionally, I returned the merchandise. The items are currently in transit or have been sent back to the merchant, which further shows I did not intend to benefit from these purchases. I am requesting : - A full refund of all unauthorized transactions - A proper reinvestigation of my claim using available technical data - A clear explanation of why these transactions were determined to be authorized I am not liable for unauthorized electronic transactions under federal consumer protection laws. This matter remains unresolved, and I am seeking a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened A business checking account about a week ago under my personal name as well as my LLC name on the account. I had a wire transaction come through from XXXX XXXX XXXX real estate attorneys office which are also A client of Truist Bank. The wire transaction came through. I went into the branch showed on the same day and confirmed my ID with my drivers license. I made a withdrawal for {$5000.00}. The next day my account was completely locked and closed with no access to my remaining funds of {$12000.00} and no explanation as to why this happened. I called Truist bank fraud department. I went to the branch to speak to the branch XXXX who called the XXXX XXXX who would not give any explanation and would not reopen the account for me to withdraw my funds. I do not know when I will receive my funds or why the account was ever closed to begin with. I am requesting A resolution be had immediately by me walking into the branch with my drivers license and business documents to receive A cashiers check for my money.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of fraudulent ACH debit transactions and failure to comply with Regulation XXXX. I disputed fraudulent transactions that posted to my checking account prior to its closure in the total amount of {$2200.00} from XXXX XXXX. These transactions were not authorized. I am a victim of identity theft and can provide supporting documentation. Please see attached. Bank of America denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. After I filed a fraud claim, Bank of America illegally closed my checking account in retaliation and withheld my funds, refusing to release my money. They are engaged in discriminatory and retaliatory practices, and Im having difficulty retrieving my funds. I request that the bank immediately reopen and properly investigate this Regulation XXXX claim and issue reimbursement for the unauthorized transactions. Please confirm in writing once this matter is resolved.

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