vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint to request executive review and goodwill consideration regarding XXXX late-payment credit report entries on my Bank of America credit card account ending in XXXX ( XXXX XXXX XXXX days late ; XXXX XXXX XXXX days late ). 

I have been a Bank of America client since 2006, maintaining multiple personal and business relationships in excellent standing for nearly XXXX decades. Prior to this isolated incident, my credit history reflected a perfect payment record with consistently high credit scores. 

The late payments resulted from an isolated oversight on a low-limit personal card. Upon discovery, I immediately paid the balance in full and worked cooperatively with Bank of America representatives. All associated late fees were reversed, acknowledging that the situation was uncharacteristic and not reflective of my broader credit behavior. 

Bank of America has informed me that these entries do not constitute a bank error under standard policy and declined discretionary adjustment through internal channels. I respect that determination and am therefore requesting executive-level review through the CFPB process. 

These XXXX entries are now the sole negative items on my credit report and are creating disproportionate underwriting impact as I prepare to apply for a commercial line of credit secured personally. I respectfully request goodwill consideration to remove the XXXX late-payment entries so that my credit report accurately reflects my long-standing creditworthiness and risk profile. 

I appreciate the CFPBs assistance in facilitating an executive review of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am unable to access my XXXX  account because I can not reset my password.

During account recovery, I am given two verification options. I successfully receive the SMS code to my phone number, but I never receive the email verification code. This is despite the fact that I regularly receive XXXX  statements and official notifications at that same email address.

I have checked my spam and junk folders and confirmed that the email address is correct.

I attempted to contact XXXX  multiple times by phone, but the automated system repeatedly redirected me to the Help Center and would not allow me to reach a live agent. I also tried using the website assistant and chatbot, but was unable to communicate with a real support representative.

At this point I am completely locked out of my account and have no effective way to resolve the issue.

I am requesting CFPB assistance in requiring XXXX  to respond and restore access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: SC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal XXXX XXXX, Thank you for your continued assistance. 
I understand that my account has been permanently limited and that I can not access it due to the phone OTP requirement. I also understand and respect XXXX security policies. 
As confirmed in your prior message, my remaining balance of {$25.00} has been released. Unfortunately, I am unable to log in to withdraw the funds. 
I respectfully request XXXX of the following compliant options, if available : A one-time manual payout of the released balance, or Guidance on submitting bank details in a secure manner Account number : XXXX Routing number : XXXX XXXX  ( Based in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : Checking ( Current ), only if PayPal confirms this method is acceptable for withdrawing the released funds. 
I am not requesting any bypass of security controls. I am simply asking for a compliant way to receive funds that PayPal has already confirmed as released. 
If neither option is possible, I kindly request written confirmation so I can consider the matter closed. 
Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hotel attendant demanded a cash deposit of {$100.00} at checkin counter. Requirement not listed on XXXX nor at business physical location. After inquiring if I could have the alleged security deposit charged against my credit card the attendant refused and forfeited my weeks stay reservation. She initiated the cancellation then charged me for one nights stay. No money was due because of her forfeiture. This company is grotesquely negligent and immature as it relates to business practices. I expect a refund for {$52.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
On XX/XX/year>, Wise confirmed that a refund of XXXX USD had been initiated and processed back to my source account. 

Multiple Wise representatives later confirmed in writing that the refund was already processed and that it was expected to arrive by XX/XX/year>. 

Despite these confirmations, the funds have not reached my account. 

When I requested basic refund detailsspecifically the exact bank send-out date and the refund trace/reference numberWise repeatedly stated that customer support does not have access to this information and that the case would be escalated. No trace number or concrete proof of transfer has been provided to date.

Subsequently, Wise began providing later and inconsistent estimated dates without any explanation for why the original written commitment ( XX/XX/XXXX ) was not honored. 

As of today, the refund is still missing, and Wise has failed to provide transparency regarding where the funds are currently held or how they can be traced. 

This lack of information and repeated contradictory statements have caused financial harm and uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
An escrow analysis was performed in XX/XX/year>, the paperwork states that I have a surplus. This surplus was never sent to me, which they confirmed. When I requested it be sent to me at the end of XX/XX/year> they stated that since it was over 6 months there was no longer a surplus and now I might owe money. Not sending the check within 30 days is in violation of regulation X, and re analyzing numbers before the 12 month cycle is over would mess up an escrow account.

It has been two months and is still an ongoing issue where cases were opened and immediately closed and when I asked for someone to review the numbers with me no one responds.

Finally a supervisor was supposed to be getting me answers and that stated on XX/XX/XXXX. Today is XX/XX/XXXX and I followed up twice so far via phone and email with no response. Im not sure who I would need to speak to in order to get this resolved but it appears they dont care to do anything about it except tell me that theres no longer a surplus but not review the numbers with me. As of right now all my taxes have been paid, the next analysis is done this coming XXXX, and if my taxes went up they will up my mortgage again as that is the purpose of an analysis. Im not sure why they are keeping my money they should have sent me within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We purchased our home in XX/XX/XXXX for {$390000.00} but could no longer afford our $ XXXX mortgage. We made the difficult decision to list our home in XX/XX/XXXX for {$410000.00}. We dropped the price in increments every few weeks until we got to the lowest we could go because we still owed approx. {$360000.00} on it. Unable to sell it for the amount we owed on it, so we opted for short sale so we could drop the price to {$360000.00} in late XXXX XXXX XXXX. We got at offer within a day of dropping the price and starting the short sale process and submitted all appropriate paperwork with our realtors help within a week of that offer. We went back and forth for weeks submitting and resubmitting the requested documents to a general email, XXXX. We were told multiple times they never received documents. We'd call our assigned contact, XXXX XXXX, and never get call backs. There was XXXX week we left XXXX messages, none were returned. We had to get our Loan Officer that helped us buy the house in XXXX involved and she's been able to get some traction with the manager of XXXX XXXX, but still no resolution. It's been nearly XXXX  months since we started the Loss Mitigation/Short Sale process and we still don't have an answer for our buyers. They are good buyers, gave a fair offer and have been tortured by the wait of a final decision as well. We started this process because we couldn't afford our mortgage, but we paid XXXX, XXXX and XXXX mortgage despite having moved out and moved in with our parents. Initially we were told this was XXXX weeks for a decision and could have a closing as soon as that decision was made, so we moved out within a few weeks of starting the process. We have not paid XXXX because we used every cent we have in savings paying the last XXXX  months of the mortgage. Because of their inactivity getting this short sale processed, we made the decision to not give this company any more of our money and just suffer the consequences. I feel like our house is being stolen from us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year> the stepdaughter transferred the entire contents of the marital joint checking and savings accounts into her own at a local branch of Bank Of America using her fraudulent Power of Attorney ( POA ), checking was XXXX and savings was XXXX. No one at the local branch questioned the validity of her POA or tried to contact the joint owner on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my consumer credit report. 

On or about XX/XX/year>, I reviewed my credit report and identified multiple accounts and at least one hard inquiry that appear to be inaccurate, incomplete, duplicated, or not properly verified. Some accounts reflect incorrect balances, statuses, or reporting dates, and certain inquiries were not authorized or lack a permissible purpose. 

I have disputed these items directly and requested proper verification and/or removal in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Despite my dispute, the information continues to be reported, or has been verified without sufficient explanation or documentation demonstrating accuracy. 

My requested resolution is that the companies involved : 1. Conduct a lawful reinvestigation of each disputed item ; 2. Provide documentation that substantiates the accuracy and permissible purpose of the reporting ; and XXXX. Delete any information that can not be fully verified or that is inaccurate or incomplete. 

I am maintaining records of my disputes and communications. If the information can not be verified as accurate, it should be removed from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding American Expresss improper handling of unauthorized credit card transactions in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). 

On XX/XX/XXXX, I notified American Express of unauthorized XXXX  charges in the amount of {$430.00} per month, occurring monthly from XXXX through XX/XX/XXXX, totaling {$5100.00}. While I legitimately conduct business with XXXX for approximately {$200.00} per month, the disputed {$430.00} charges were not authorized. 

XXXX acknowledged in writing that the disputed charges were not mine. I provided this documentation, including a transcript from XXXX, to my assigned American Express case manager ( Case ID : XXXX ). 

Despite this evidence, American Express reversed the provisional credit and denied the fraud claim on XX/XX/XXXX, stating only that I do business with XXXX. This rationale misrepresents my dispute and ignores the distinction between authorized charges and unauthorized fraudulent transactions. 

American Express failed to conduct a reasonable investigation, reversed provisional credit without adequate justification, exceeded statutory investigation timelines, and repeatedly mishandled the dispute administratively by instructing me to open four separate cases, creating confusion and delay.

I was repeatedly promised credits, including a written promise that a credit would be issued by XX/XX/XXXX. No credit was applied. As of today, more than 20 days after the reversal, the full {$5100.00} in fraudulent charges remains on my account.

I am requesting that American Express : Permanently credit all unauthorized charges totaling {$5100.00} Remove all associated interest and fees Provide written confirmation that I am not liable for these transactions Provide a written explanation of the investigation conducted, as required by Regulation Z This complaint concerns procedural and statutory violations, not a billing disagreement. 

I further note that on XX/XX/XXXX, after months of documentation, repeated follow-ups, and prior written notice of error, I received yet another rejection of my fraud claim via email, without any new factual basis or evidence addressing the merchants acknowledgment that the charges were unauthorized. This continued denial further evidences American Expresss failure to conduct a reasonable investigation and its ongoing violation of the Fair Credit Billing Act and Regulation Z.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a consumer who reviewed my TransUnion credit report and found inaccurate and unverified inquiries and late payment information. I am formally disputing these items and requesting verification in accordance with the Fair Credit Reporting Act. 

Unauthorized / Inaccurate Inquiries The inquiries listed below are not recognized by me and may not have been initiated with my authorization. Please provide proof of permissible purpose or remove these inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> Late Payment Reporting The following account reflects a late payment that is inaccurate and unsupported by my records. I request immediate correction or deletion if verification can not be provided. 

XXXX Account Number : XXXX TransUnion is required under FCRA 1681e ( b ) to ensure the accuracy and completeness of all reported 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I updated my mortgage to biweekly payments. In XX/XX/XXXX, the third payment for the month was not applied correctly, which prompted me to call Mr. Cooper. I was assured at that time that the issue would auto-correct and future payments would be applied properly. This did not occur. 

In XX/XX/XXXX, while reviewing my statements, I discovered that the XX/XX/XXXX payment was never corrected and that an additional third payment in XX/XX/XXXX was also applied incorrectly. I contacted Mr. Cooper multiple times, spending over XXXX hours on the phone attempting to resolve the issue. 

After several calls, the XXXX payment was corrected, but the XXXX payment was not, requiring further follow-up. Once the matter was escalated to accounting, both XXXX and XXXX were corrected ; however, an additional payment made in XX/XX/XXXX was then not applied properly. I am currently calling again to have this corrected. 

Due to repeated errors, inconsistent corrections, and the significant time required to address these issues, I have lost confidence in Mr. Coopers ability to accurately process and manage my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MD

Complaint narrative:
I was charged improperly for a service never performed. I filed a dispute with the BOA and they never requested any further information from me, but only the statement from the provider. I am disgusted with the procedure used by BOA to improperly investigate the dispute and to charge me for the service. I want a credit on my card for the amount of the service. I never agreed to the service, attempted to cancel the service, texted the company to cancel it and they sent a team to my house anyway. Let BOA pay the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
Mr. Cooper XXXX XXXX has been aggressively pursuing me for mortgage payments since my transfer on XX/XX/XXXX. They have hand delivered messages to my home about my mortgage being in default. I was in a mortgage assistance program with XXXX XXXX prior to the transfer that halted when it was transferred to Mr Cooper XXXX XXXX XXXX XXXX Mr. Cooper eventually got my next steps started and sent me a message to call and accept their approval of a three month trial payment program that starts on XX/XX/XXXX since my loan transfer on XX/XX/XXXX I have made payments in XXXX and in XXXX my XXXX payment was almost {$1000.00} which put me in undo hardship because that is much more than what my payment is supposed to be Mr Cooper XXXX  XXXX  calls me every day and leaves messages. I speak to several different people and they are all demanding money even though my mortgage assistance review was in place. I called them last week and discussed my acceptance of the trial payments that would start on XX/XX/XXXX I was called again this morning after being stuck at work during the blizzard because I am a XXXX XXXX  and ready to go to bed because its yet another person wanting me to pay the past due balance that is less than {$3000.00}. I do not know why they continue calling me daily pursuing me aggressively trying to get me to pay more and more money and what I call and talk to someone they said that it is just happening through their own process and theres nothing that they can do about that today I logged onto my account after I get another person called me and my payment date that was previously set when I called and accepted last week now says NA and does not show my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am an established Chime member ( account older than 30 days ). On XX/XX/XXXX, I filed a dispute for an unauthorized transaction of ( Dispute # XXXX ) and others. As of today, XX/XX/XXXX, it is the XXXX business day since the dispute was filed. Under Regulation E ( 1005.11 ), if a financial institution is unable to complete its investigation within 10 business days, it is required to provisionally credit the consumer 's account for the amount of the alleged error. Chime has neither resolved the dispute nor issued the legally required provisional credit. Furthermore, I have XXXX other open disputes ( # XXXX and # XXXX ) that remain unresolved past the standard window. Chime support has failed to provide a valid reason for this delay.

Company response to consumer: Closed with explanation