vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received two large IRS deposits one return was my IRS refund and the other return was a friends IRS refund. The total balance is {$390000.00} and they froze my account and wont let me have access to 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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year>, a Pay Friends transfer of {$1200.00} was made from my Chime account without my authorization. I did not initiate this transaction and do not know the recipient. I immediately contacted Chime and reported the transaction as unauthorized fraud and opened Claim ID XXXX. 
Chime conducted an investigation and later denied my claim, stating that " no error occurred. '' However, Chime has not provided any proof that I authorized the transfer. I have never sent money to this recipient before and did not consent to this payment. 
No provisional credit was issued during the investigation, and I believe the review was inadequate. I requested documentation and evidence used to deny my claim, including device logs, IP address information, and login history, but this information has not been provided.

1 believe my account was compromised and that this was an unauthorized electronic funds transfer. I am requesting that Chime reopen the investigation, provide all evidence used to make their determination, and reimburse the {$1200.00} that was taken from my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. This letter is a request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

The name and address of the original creditor.

Documentation showing that I am legally obligated to pay this debt.

Copies of any contracts, agreements, or judgments bearing my signature related to this debt.

Proof that your agency is licensed and authorized to collect debts in my state, if applicable.

Proof that you have the legal right to collect this debt, including assignment or purchase documentation.

Until this information is provided, please cease all collection activities related to this account. If you are unable to validate the debt, please remove it from your records and notify any credit reporting agencies to which you have reported it.

This request is not an acknowledgment of liability nor a promise to pay.

Thank you for your cooperation.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/year>, I was offered what I believed was a legitimate workfromhome job. As part of the onboarding instructions, the person claiming to be my employer sent me a check and told me to deposit it into my Bank of America account. They instructed me to wait two days for the funds to be released before doing anything with the money.

After two days, the funds appeared in my account as available, so I believed the check had cleared and was legitimate. Because the bank made the funds available, I had no reason to think the check was fake. 
Once the funds showed up, the person claiming to be my employer told me to use XXXX XXXX to send money to two different phone numbers. They said these payments were for an orphanage and were part of my job responsibilities. I followed the instructions because I believed the job was real and the funds were valid. 
Several days later, Bank of America reversed the check and informed me it was fraudulent. This caused my account to go negative. As soon as I realized I had been scammed, I filed a police report documenting the fraud and provided all details to law enforcement. 
I then filed a dispute with Bank of America, explaining that I did not know the check was fake and that I only used the funds because the bank released them and made them appear verified. The bank denied my dispute, stating that because the XXXX XXXX transactions were authorized, I benefited from the funds. This is not accurate. I did not benefit in any way. I was defrauded, and the banks early release of unverified funds directly caused the loss. 
I am requesting that Bank of America reopen my dispute and properly review the situation, including the fact that the funds were made available before the check was actually verified, which misled me into believing the check was legitimate. I also request that the bank consider the police report I filed and the circumstances of the scam.

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App Support previously addressed your concerns on XX/XX/year>, and XX/XX/year>, via In App Notification but denied returning the difference refund back. The issue is still not resolved. As set out above, Cash App has not thoroughly investigated my concerns when I provided the fraud complaint and asked that they return the difference under regulation z. I provided cash app the SC statute to waived the deadline because fraud was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The debt collector Transworld Systems Inc is the debt collector. They are trying to collect the debt that they say I owe to XXXX XXXX XXXX XXXX The original creditor was sprint. 
The debt is supposedly from a sprint account that was fraudulently made with my personal information due to identity theft. It says as of XX/XX/year> I owed {$550.00} and that I was charged {$1200.00} in fees making my total amount of debt owed {$1800.00}. All of this information is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
The debt collector XXXX XXXX XXXX is the debt collector. They are trying to collect the debt that they say I owe to Jefferson Capital Systems LLC The original creditor was sprint. 
The debt is supposedly from a XXXX  account that was fraudulently made with my personal information due to identity theft. It says as of XX/XX/year> I owed {$550.00} and that I was charged {$1200.00} in fees making my total amount of debt owed {$1800.00}. All of this information is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Having made my last payment I called into the card services line to close the account. I made it clear to both agents I spoke with it was my express and informed desire to close this account. The second agent refused my request three times and instead tried to get me to leave the account open. I assured her I was not interested in leaving this line of credit open and she was not listening. 

I have already filled a complaint with the XXXX. I want this account be closed and refusing my request is predatory and manipulative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
am filing a complaint regarding overdraft fees assessed on my Chase Total Checking account.

Over the past year, I have been charged approximately {$1400.00} in overdraft fees ( over 40 separate fees ), and the fees are still continuing. I am paid weekly, with regular direct deposits of approximately {$850.00} or more every Friday, yet my account is unable to recover due to Chases overdraft practices. 

The core issue is that Chase has repeatedly charged overdraft fees on transactions that were not actually paid or covered. In multiple instances, Chase assessed a {$34.00} overdraft fee when a transaction was presented, but the merchant did not receive funds, my account remained negative, and the same transactions retried latertriggering additional overdraft fees. I was charged for overdraft protection even though no overdraft protection was provided.

This created a recurring cycle where : My account went slightly negative, Overdraft fees posted immediately, Retried ACH and recurring transactions posted, Additional overdraft fees were assessed, Incoming deposits were consumed by prior fees before stabilizing the account.

I have contacted Chase customer service and spoken with three supervisors, clearly explaining that I am being charged overdraft fees without transactions being paid. Despite providing this information, Chase has refused to resolve the issue and offered only {$100.00} in refunds, which does not address the scope or systemic nature of the problem.

I am not disputing that some transactions were presented when funds were low. I am disputing being charged overdraft fees without the bank actually covering the transactions, resulting in fees being assessed for a service that was not rendered.

I am requesting : 1. Reimbursement of overdraft fees charged during this period, and 2. Review of Chases overdraft fee practices when transactions are not paid but fees are still assessed.

I believe these practices are unfair and prevent reasonable recovery of an account despite consistent income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX at XXXX XXXX  The first deposit of {$100.00} was accepted and credited. 

I then made a second deposit attempt, placing another handful of cash into the ATM. While the exact amount may not have been precisely counted by me at that moment, it was clearly more than XXXX, and the ATM camera footage should show that I deposited additional cash during a second transaction. 
Citibanks conclusion fails to explain what happened to the additional cash that was physically placed into the ATM. If the machine did not credit the funds, then : The ATM cash totals should be over, The transaction logs should reflect an anomaly, and The camera footage should confirm that cash was deposited during the second attempt.

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 2026-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: MS

Complaint narrative:
Good morning, On XX/XX/year> I had XXXX XXXX from my bank ( XXXX XXXX ) take money out of my checking account ( {$2600.00} ) to pay my house note ( Village Capital LLC ). I was told that there was a glitch in the system and they took 3 payments ( {$7800.00} ) out of my account instead of 1. This caused my account to go into overdraft. I asked if they could either wire or overnight my return payment. I spoke to my mortgage company and was told that it was not their fault, and they will return my money within XXXX XXXX XXXX days. I also did a conference call with my mortgage company and bank. I was told by my bank that the money was sent and that there was nothing they could do accept credit me back a couple of the NSF fees. It seems that neither party is thinking of me. I have been to the doctor because of this sending my XXXX XXXX through the roof. I had to take off work because I couldn't concentrate on anything accept that my money I had saved is gone and that I'm being treated like I have done something wrong. I would like for you to listen to the phone calls I had with Village Capital, so that you can hear how a loyal customer was treated. The call was on XX/XX/year>, XX/XX/year> and XX/XX/year> from XXXX. 



Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$99.00} by XXXX XXXX for a checked bag at the boarding gate. My bag initially did not fit in the carry-on sizer. I removed a jacket that I could wear on my person, after which my bag fit in the sizer. Despite this, the gate agent stated that nothing could be removed from the bag and required me to pay the checked bag fee. 

Immediately after this interaction, another passenger was allowed by the same gate agents to remove items from their bag and proceed without paying, even though their bag initially did not fit in the sizer. This demonstrated inconsistent enforcement at the gate. 

I later contacted XXXX XXXX customer support regarding the charge. In written chat communication, XXXX acknowledged that if my bag fit in the sizer after removing the jacket, it should have been considered compliant. Despite this acknowledgment, XXXX stated they could not issue a refund and only offered internal escalation, which never resulted in a resolution or refund. 

I then disputed the charge with Goldman Sachs Bank USA and provided screenshots of XXXX  written acknowledgment and their refusal to issue a refund. Goldman Sachs denied the dispute and a subsequent reinvestigation, stating that I agreed to the merchants terms and conditions, without addressing the merchants written acknowledgment that the charge should not have been applied. 

I am submitting this complaint to request review of how my dispute was handled and whether the evidence provided was appropriately evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My bank as been seizing my balance on my account without any solution. 
My account was closed/frozen on XX/XX/year>, since then they seized my balance. 
Im not us resident, I opened this account as not resident with my foreign passport from XXXX, I live in XXXX. 
So its impossible for me to go to the branch to request me pending balance. 
Please send the propper chashier check to my mailling address on file once and for all. 
And please dont unswer that I was a victim of fraud, is not. The bank has all my personal details, email address, telephone number and mailling address so they can verify me making a call, sending a XXXX time pascode or a letter explaining the situation and how to fix it.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/year>, I deposited a payroll check in the amount of {$5400.00} into my Regions Bank account. The check was issued through XXXX on behalf of XXXX XXXX XXXX and drawn on XXXX XXXX Bank, XXXX. An earnings statement corresponding to the check was provided. 

After accepting the deposit, Regions Bank placed an extended hold and restricted my account access, including limiting use of my debit card. I contacted Regions Bank and visited a branch seeking clarification, but I was not provided with a clear written explanation, regulatory basis, or specific timeline for release of the funds. 

This check represents earned wages/leave pay, and there has been no notification that the item was returned or identified as fraudulent. Despite my cooperation, my access to funds remain restricted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I opened new bank accounts with XXXX XXXX XXXX XXXX and attempted to transfer my XXXX profile from Synovus Bank as part of a lawful account transition. Shortly thereafter, Synovus suspended my XXXX access, citing suspicious activity. 

Since the suspension, I have contacted Synovus multiple times and spoken with branch staff, supervisors, back-office personnel, and a consumer advocate. Synovus has refused to lift the suspension and has refused to provide any written explanation, documentation, or specific reason supporting the alleged fraud determination. I have been told the block was placed by XXXX, yet Synovus has refused to coordinate escalation or assist with resolution. 

My business relies on XXXX to receive customer payments and to pay suppliers and subcontractors. The continued suspension has caused ongoing financial harm, cash-flow disruption, and operational impact. 

I submitted formal written notice through Synovus secure message portal and follow-up emails. As of today, Synovus has failed to provide a substantive response while continuing to restrict access to this critical payment service.

I am requesting that Synovus provide a written explanation, confirm whether the block originated with Synovus or XXXX, escalate for reinstatement, or provide written justification for refusal, and assist with transferring my XXXX profile to my new financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX I had multiple transactions charged on my debit card from a company named XXXX XXXX in XXXX. When I noticed it I drove to the BOFA branch to report it and cancel that debit card and get a new XXXX issued out. I was promised BOFA would handle it within 10 days and all my money would be returned to my account for this fraudulent charges. Unfortunately BOFA just strings you along saying they are researching and they just issue denials over and over as they don't want to refund your money for compromised debit cards. I have called multiple times and keep getting the same answer as they can reopen the claim and look into it and it'll take another 45 days with the same denial.

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 2026-02-10 00:00:00
Product: Mortgage — Conventional home 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I had problems with making payments beginning XX/XX/year>. I applied and got approved for forbearance through XX/XX/year>. In XXXX, I noticed that some of my payments were not applied to my loan and asked to have it investigated. All I got back was that I needed to call a number even though I communicated that I wanted written communication. Instead, I was approved for a loan modification that I do not remember applying to. I was given contact information for a person to which they never gave back direct communication after I faxed and emailed them about the situation. RoundPoint sent me paperwork for a permanent loan modification that I told them I would not sign until my account was corrected. After the modification was voided, I sent certified letters to my point-of-contact person and RoundPoint 's loan servicing department with a full breakdown of my calculations and requested written outlines of where my payments have gone since by this point, I have noticed that other payments have not been applied to my loan. I got a generic letter stating they got my letter and now I have a letter from a law firm stating that they are starting the foreclosure process. I can no longer see my account statements and feel as that I have been push aside. According to RoundPoint, I owe {$9600.00}. By my calculations, I owe {$4800.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation