vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: MI

Complaint narrative:
In XXXX, I used my XXXX credit card to pay XXXX XXXX XXXX XXXX XXXX for legal services related to a child support modification case. I paid thousands of dollars in charges, including amounts such as approximately {$690.00}, {$520.00}, {$450.00}, and {$1900.00}. Despite substantial billing, the attorney did not perform the work I was charged for. No motions were filed, no amended judgment was submitted to the court, no child support calculation was completed, and no meaningful legal action was taken over nearly a year of representation. Throughout this period, I was billed repeatedly for phone calls, emails, and document reviews, but the core legal work was never completed. I also repeatedly followed up requesting progress and completion of the work. Instead of completing the case, the attorney ultimately withdrew from representation in XX/XX/2025 without resolving the matter. I disputed these charges with XXXX and provided documentation, including invoices, emails, and the withdrawal order showing that the services were not completed. XXXX denied my disputes and stated that the transactions were valid without adequately addressing the evidence provided. XXXX did not explain how services that were never completed could be considered valid charges or demonstrate that a reasonable investigation was conducted. As a result, I am being held responsible for charges related to services not rendered. I am requesting that XXXX reverse the disputed charges, correct my account balance, and remove any negative credit reporting related to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing an expedited emergency complaint against Truist Bank for systemic regulatory negligence, violations of Federal Regulation E, and unlawful customer intimidation that is actively destroying my commercial contracting business. Over the past 3 months, my account has been repeatedly targeted by unauthorized, fraudulent recurring electronic fund transfers from data-broker merchants XXXX, XXXX XXXX, and XXXX. I have formally notified Truist of this unauthorized fraud multiple times. Truist has failed to fulfill its duty of care. They have issued five ( 5 ) replacement cards over the last 90 days, yet the fraudulent charges continue to clear onto the new accounts before the physical cards are even delivered. This is a known exploit of the XXXX Account Updater / tokenization system which Truist has repeatedly refused to block or opt my profile out of despite explicit requests. Under Federal Regulation E ( 12 CFR 1005.6 ), my liability is strictly capped because I provided immediate, timely notice of the first unauthorized transfer. Truist is violating federal law by refusing to issue provisional credits, continuously allowing known unauthorized entities to pull funds, and charging me repeated overdraft and returned item fees due to their own security failures. To exacerbate this crisis, when I attempted a mobile deposit of a legitimate business check for contracting work, Truist placed a security freeze on the funds due to the negative balance caused by the unblocked fraud. When I requested they release the hold or return the physical item so I could cash it elsewhere to buy materials, local branch management explicitly threatened me with criminal fraud charges to intimidate me. Truist is holding thousands of dollars of my operational business capital XXXX, refusing to comply with Regulation E, and using illegal coercion to force a small business owner to cover their own internal security failures. I demand immediate provisional credit for all fraud hits, the immediate reversal of all fees, and the immediate release of my commercial deposit. ''

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I deposited six checks into my account at PNC Bank, totaling {$21000.00}. These checks were issued by my attorney as payment from a legal settlement. One of the checks was made payable to my daughter, two were made payable to me, and the remaining checks were made payable jointly to my husband and me. After the checks were deposited into my account, the funds from the checks made payable jointly to my husband and me, as well as the check made payable to my daughter, were removed from my account because they had apparently not been endorsed by them. My account was frozen on XX/XX/year>, and since then I have been communicating with a person named XXXX from the PNC Bank Fraud Department. She has requested that I make several phone calls and visit the bank multiple times, and I have complied with every request. My attorney, who issued the checks, has already spoken with her, and both my daughter and my husband have also spoken with her, as this was the latest requirement she asked me to fulfill. However, this matter continues to become more complicated each day. Every time I follow the requested steps, a new issue arises. I even spent two hours at my local branch with a representative who assisted me in making calls, yet I have still been unable to resolve this matter. It has now been four months, and I still do not know where my money is or how it will be returned to me. Unfortunately, the representative from the Fraud Department has provided very little assistance throughout this process. Additionally, I have not received any emails or letters providing updates, explanations, or notices regarding what is happening with my checks. I have also contacted customer service ; however, they informed me that they are unable to assist because they do not have direct contact with the Fraud Department. I hope you can guide me on what steps I need to take in order to resolve this matter, as no one at my local branch has been able to assist me regarding this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo for failing to properly investigate a merchant dispute, ignoring concrete evidence, violating my account preference settings, and wrongfully forcing my account into a negative balance. I disputed a {$500.00} charge from XXXX for a vehicle damage deposit. XXXX deceptively processed this as a " recurring charge '' instead of a one-time fee, slamming my debit card. I am disputing this because XXXX failed to establish the agreed-upon payment plan discussed prior to the rental, and instead drafted the full lump sum without authorization. Wells Fargo summarily rejected my dispute because I can not provide a formal " payment plan agreement. '' This demand is entirely backwards. I have written proof from XXXX Support explicitly admitting that their system only triggers a payment plan if an account has insufficient funds and the transaction fails. Because Wells Fargo failed to honor my account settings and wrongfully allowed the charge to processforcing my account into a massive overdraftXXXX XXXX actions directly prevented XXXXXXXX XXXX payment plan system from activating. I can not produce a payment plan agreement because Wells Fargo 's error made it impossible to generate one. Furthermore, Wells Fargo permitted this transaction to overdraw my account despite the fact that I have overdraft services explicitly turned off to prevent negative balances. Because XXXX coded the transaction as " recurring, '' Wells Fargo bypassed my settings and let it slam my account anyway. To make matters worse, the Wells Fargo mobile app provides zero consumer visibility or transparency, hiding the status of whether overdraft services are active or disabled. Wells Fargo refused to review my concrete evidence, failed to honor my opted-out settings, failed to block the unauthorized charge, and is now trying to force me into a bank payment plan for a predatory merchant error.

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2026-05-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Canceled subscription Wi-Fi service on XX/XX/year> and have been charged for XXXX, XXXX, XXXX and XXXX. I started the service in XXXX and there is only one legitimate charge. The credit card company refuses to stop allowing charges to hit my account even after I have repeatedly notified them I do not authorize these charges and canceled directly with the merchant. Barclays bank has told me I need to mail them letters to get them to look at the dispute cases again.

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 2026-05-18 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
I am filing this complaint regarding a premium educational package I purchased from XXXX XXXX on XX/XX/year>, which included six private XXXX lessons and access to an instructional course/system. The lessons were conducted live and were not recorded. During the sessions, a substantial portion of the lesson time was spent on dismissive and condescending commentary rather than constructive instruction, creating an unproductive learning environment. I made a good-faith effort to continue and respectfully communicated that the teaching approach was not a good fit, but the situation did not improve. There were also objective issues with service delivery. The instructor arrived late by at least five minutes to two lessons, and one lesson lasted approximately 15 minutes despite being scheduled and paid for as a 30-minute session. Initially, I requested only a partial refund for the three unused lessons out of the six purchased. However, I later discovered that I no longer had access to the instructional system/course that was included as part of the package. The business has claimed I retained access, but I have evidence showing I do not. I attempted to resolve this matter directly and through PayPal in good faith. Despite providing explanations and supporting information, the issue remains unresolved. I am requesting a fair resolution based on the fact that I no longer have access to portions of the purchased package and because the services were not fully delivered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After Capital One refused to handle my dispute snd refused to look at evidence they speicially requested, they refuse to send documents that XXXX has requested for dispute, and they are withholding funds from myself and from XXXX. They do appear to have profitted from this dispute since they refuse to release funds to either party. They also have debt collectors calling and harassing me. They also still have not gotten my name correct after a decade, even though they issue cards in my correct name, they ask for me by maiden name and dont seem to understand the difference. Nothing seems to be handled or addressed by actual humans and there is unknown answers for fundsir why they have kept it ; or who they are addressing when they are having debt collectors harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I initiated a balance transfer from Bank of America to XXXX XXXX. Both institutions have provided documentation indicating the closure of the issue, yet I am still being billed for the {$5600.00}. I believe that neither party should close the case until a resolution has been achieved.

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I was just sent {$400.00} over XXXX. They took it all and applied it against an apparent negative balance that I had with them. They apparently completed a XXXX transfer in XX/XX/year> to my grandma but my checking account didn't have the funds. I never got notified of this. I don't use XXXX, I use cash app. The money should've never been sent or reversed if there wasn't enough in my account to cover it. They are acting like this is a loan but I didn't agree to be loaned any money from XXXX. I want the money I am owed back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I experienced two job losses in XXXX through no fault of my own and was experiencing cash flow issues. I have recently retained and Executive role with a strong salary, but I am catching up and paying down debt accrued during seven collective months of unemployment. I am a borrower with Select Portfolio Servicing ( SPS ) coming out of a forbearance period ending XX/XX/XXXX. I requested a deferral of my forbearance balance to the end of my loan term, which is a standard loss mitigation option. SPS denied this request stating the investor on my account does not allow it. They are stating that I had to appeal back in XXXX, which was never made clear to me despite asking several questions about the entire process and what I could do when the forbearance ended. I am only being offered a six or three month repayment plan that would increase my monthly payment to over {$11000.00} or {$15000.00}, respectively, which is unaffordable and would cause me to default on other obligations. I requested a loan modification that amortizes the balance over the life of the loan, as I do not want to touch much my 3.625 % rate, as an increase to current rates would be materially harmful to my long-term financial situation. They have also denied this as an option. I am current on all payments and am proactively seeking resolution before XX/XX/XXXX. I am requesting CFPB assistance in identifying rate-preserving loss mitigation options and in obtaining written documentation of the investor restriction that is limiting my available options.I am also requesting a 12 month repayment plan as an alternative, which SPS has not formally offered in writing. I have been informed that the investor on my account is XXXX XXXX XXXX XXXX XXXX, solely as trustee for XXXX XXXX XXXX. I am requesting that CFPB investigate whether other option should be made available to me that would be afforded to borrowers in the same position but whose mortgage was owned by a bank versus a fund. I will be able to pay normally and on time moving forward, but I need help bridging this gap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I am disputing a collection account being reported by Columbia Debt Recovery/Genesis related to a former apartment lease with XXXX XXXX XXXX managed by XXXX. I vacated the apartment on XX/XX/year> and returned the keys on XX/XX/year>. I was never provided a meaningful move-out inspection opportunity with management present, and no walkthrough was conducted with me at the time possession was surrendered. After move-out, substantial charges were assessed and later placed into collections. I disputed the charges directly and requested validation and supporting documentation. Although an account summary was provided, I have not received sufficient supporting documentation substantiating several disputed amounts. The disputed charges include : * carpet replacement charges * damage charges * reletting fees * utility charges * ongoing interest accrual The utility charges appear excessive and inconsistent with historical usage. I have not received documentation explaining how the utility amounts were calculated. I also requested supporting documentation including : * inspection reports * photographs * invoices and receipts * documentation supporting the reletting fees * documentation authorizing the interest charges The collection account is currently being reported to consumer reporting agencies and continues accruing interest while disputed. I am requesting full substantiation of the disputed charges, correction or removal of inaccurate credit reporting, and review of the disputed balance and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a loan with One main Financial. I am reaching out to you directly as I am having issues with the local branch I was or am still assigned to. In later 2025 I spoke with XXXX of the executive office about the unprofessional and degrading issues from the XXXX XXXXXX/XX/XXXX XXXX did assist me in resolutions. I also spoke to XXXX of the XXXX XXXX branch who was very helpful early on in the loan I got. After talking with XXXX and XXXX I was under the impression we were all good moving forward. To find out I was not. Today at XXXXXX/XX/XXXXpst. my vehicle was repo 'd by XXXX XXXX and or according to XXXX of XX/XX/XXXX repossession dept the vendor is XXXX XXXX XXXX. I spoke in depth with her and informed I am versed in the regulations of repossessions, in XX/XX/XXXXand also I did NOT have any phones from XXXX. This was odd as she informed me I was on a XXXX list. Not sure why or how but I was. I made a payment of XXXX In XXXX. According to XXXX I stated NO one from XXXX provided me any documentation of this alleged rep order. I had as of XXXXXX/XX/XXXXpst today a double payment of XXXX queued to be ACH from my account on file with the confirmation number. I attempted to show the driver this morning. In talking to XX/XX/XXXX she was less than helpful and declined to accept payment even though the phone line will accept it. I am looking to resolve NOW. I also informed XXXX I had worked with the executive office previously and she immediately deflected all my concerns and issued and transferred me to them. Attached is the original email working with XXXX who I have called multiple times today and gotten NOWHERE. I can pay NOW my {$310.00} and then XXXX can return my car. I also am aware of the California rules and regulations of repossession and my rights were also violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/year> I received a {$4600.00} escrow refund check from my mortgage servicer ( Freedom Mortgage Corporation ) that was made out to my wife and I jointly. Unfortunately my bank was not able to deposit the check since we did not have a joint checking account. On XX/XX/year>, I called Freedom Mortgage to ask that they reissue the check to just my wife or I. The representative told me I had to wait until 30 days after the check was issued ( XX/XX/year> ) for them to issue a stop payment on XX/XX/year>, and then they would send a new check by XX/XX/year>. By XX/XX/year> I still had not received the refund check, so I called and spoke to another representative who said they never sent the check because of a technical error but that they could issued another check by XX/XX/year>. I said that was unacceptable and asked them to escalate the issue to their manager. The manager said that they would overnight a check and that I should receive it no later than XX/XX/year> and that she would call me once the check was sent out. As of today ( XX/XX/year> ) I still have not received the check and so I called again, and they are asking me to wait longer. I have no faith this company will ever send me my money back as it has been over 2 months. This is either criminal incompetence or fraud and they need to be shut down. Please help me get my money back ASAP.

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