vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase asked me to scan my face and submit a photo of my driver 's license, telling me it was needed for a credit card increase. I went through the whole process. Afterward, language about cryptocurrency compliance showed up, which made it clear the real reason they collected my face and ID was to satisfy their crypto Know Your Customer ( KYC ) requirements. The problem is Coinbase doesn't offer credit card increases. That's not a real feature or product. They made it up to get me to hand over my biometric data and identity documents for a purpose I never agreed to. If they had told me upfront that this was for cryptocurrency compliance, I would have thought twice about doing it. Instead they dangled a benefit that doesn't exist to get me through the process without questioning it. I didn't find out what it was really for until after they already had my face scan and driver 's license. This looks like a deceptive practice under Section 5 of the FTC Act. They misrepresented the reason for collecting sensitive personal and biometric information. A reasonable person would believe they were verifying identity for a credit card increase because that's exactly what Coinbase told them. The misrepresentation was material because it directly influenced my decision to go through with the process. I'm reporting this because I don't think I'm the only XXXX. If Coinbase is doing this to me, they're probably doing it to every user on their platform who hasn't completed crypto KYC yet. Wrapping a regulatory requirement inside a fake product benefit to trick people into complying is not how a legitimate company should operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I provided funds in person at a TD Bank branch to open and secure a credit card account. As of the date of submitting this complaint, approximately XXXX calendar days have passed since the account was funded, and I still have not received the original card. I was later informed that the card did not leave TD Banks system until XX/XX/XXXX. On XX/XX/XXXX, during the account setup process, I was prepared to select expedited shipping. However, I was advised by a branch representative that expedited delivery would not significantly change the arrival timeframe. Based on that information, I proceeded with standard delivery. TD Bank states a XXXX to XXXX business day delivery timeframe. The original card did not arrive within that timeframe and the delivery period was significantly exceeded. The card was sent via regular mail, and no tracking number or delivery confirmation was provided or made available. This delay has caused financial inconvenience and hardship, as I have been unable to access the secured credit account within the expected timeframe. I contacted TD Bank multiple times seeking clarification and resolution. During this process, I received inconsistent information regarding the status of the card and experienced call disconnections while attempting to resolve the issue. After repeated contact, TD Bank canceled the original card and reissued a replacement via expedited XXXX shipping. While corrective action has now been taken, I am requesting a review of the initial processing timeline from XX/XX/XXXX to XX/XX/XXXX, the extended delivery delay beyond the stated timeframe, and the overall service handling during my attempts to resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been with truist for a couple of years now. So they have locked my card since XXXX and XXXX called them numerous times XXXX talking about like XXXX times talking and talking and still no help. They literally have locked my card and they keep saying we cant unlock it because my phone number account or line isnt under my name. Which of course is not, its under my daughters tmobile account. She has like XXXX lines with lines included too. They never told me this before they were just saying my phone service is blocking short text messages which they werent cus i called them. I even went to the branch waited XXXX minutes because they put the teller in hold and even she was getting irritated by their customer service. So they unlocked my card and i went and tested it out. I used it once it was okay and i used it again, it literally wasnt back to lock mode again and still havent been able to use it. So i still havent got no help. I need my card unlocked and no i dont have any phone service under my name is either. Please fix this problem for me. Theyre not helping me at all. I even spoke to the supervisor and she was like we cant do nothing.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, after re-reading and reviewing the response from American Express. I have decided to say goodbye to American Express for good. So bye bye to American Express. Your word is worth XXXX to you. My word is iron. And I have proven it since XXXX. All the responses sent to me on the site are XXXX big lie. I will start with Booking for {$180.00} ( I will point out that they received money XXXX because the hotel returned money to XXXX, I have documents ). You never attached a response from XXXX. The opposite in your response is your explanation that XXXX is right, not in the email, not in the way you signed the mail. Regarding the amount of {$92.00}, although I did expect you to provide a document that I did not receive a car from them. You did not attach the dealer 's response, only your strange response in the email was that the dealer transferred money to the car rental agency. ( Who cares? Let him take care of getting his money or he will be sucked in. Why me? ) So this is how you take care of the merchants, not your card-holding public. In addition, I did not receive any letter from you in the mail. Finally, what if you were telling the truth this time? You would have attached the merchants ' response here on the site. So I'm just tired of hearing the bluffs. You never called me back to end the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I became victim to a scam company overseas called XXXX who portrayed themselves as XXXX XXXX. I was advised I had to identify myself by using a card for a {$1.00} pre-authorization. The company in turn charged me {$290.00}. This was {$290.00} and a {$8.00} foreign transaction fee. I disputed the transaction and won my case. I was also refunded XXXX dollar on XX/XX/XXXX from the service fee. I have disputed this XXXX now with Cash App who advise that foreign service fees are non refundable. Given that ALL of it was refunded due to fraud therefore the company has XXXX basis for continuing to charge me a service fee. 3 % of {$0.00} is {$0.00} - end of story. I hereby demand the company issue a full refund in the amount of {$7.00}. This has nothing to do with the dollar value but has become all about the principle matter. If they are doing this to me, I guarantee they are scamming other users

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt I do not owe nor have I ever done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a dispute by phone on XX/XX/XXXX for XXXX transactions made with my debit card XXXX. I cancelled the service under the store cancellation/return policy, they accepted the cancellation on XX/XX/year>, they issued a full refund invoice, voided voucher and email confirming the refund. The bank denied the claim without giving any proof, and I tried to reopen for a second review on XXXX with new information provided by email and fax without sucess

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
What happened? I am a XXXX citizen who opened a personal bank account at Bank of America in XXXX, California on XX/XX/XXXX, during my XXXX stay in the United States XXXX After I returned to XXXX, Bank of America closed my account without notice in XXXX. When they closed my account, they also revoked my online banking access, and I am no longer able to log in or view any account information online. The bank issued XXXX cashier 's checks for the remaining balance and mailed them to my uncle 's address in the XXXX. Check Details : Check XXXX XXXXXXXX : {$18000.00} ( dated XX/XX/XXXX ) Check XXXX XXXX : {$1700.00} ( dated XX/XX/XXXX ) Total amount : {$20000.00} USD What I Did : On XX/XX/XXXX, I deposited both checks with my XXXX bank, XXXX XXXX, for collection. My XXXX bank sent the original checks to Bank of America 's XXXX, Arizona branch via XXXX XXXX on XX/XX/XXXX. Delivery Confirmation : XXXX tracking number XXXX confirms the checks were delivered to and signed for at : Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX on XX/XX/XXXX at XXXX AM. Bank of America 's Response ( or Lack Thereof ) : Since XX/XX/XXXX, Bank of America has : Not paid the checks Not returned the original checks Not responded to any inquiry Not provided any explanation Because my online access is blocked, I have no way to check the status of these checks or my closed account online. Multiple Attempts to Resolve : XXXX XXXX sent multiple XXXX inquiries ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) My XXXX lawyer ( XXXX XXXX ) sent correspondence to Bank of America on XX/XX/XXXX, demanding payment The Ombudsman for XXXX XXXX Banks issued a decision on XX/XX/XXXX, noting that Bank of America " neither paid nor returned the checks nor responded in any way '' I have personally attempted to contact Bank of America from XXXX and now from XXXX Current Situation : I am currently living in XXXX and can not travel to the XXXX because my XXXX application was recently denied Bank of America branches in XXXX are located on XXXX military bases and are inaccessible to civilians There are no accessible Bank of America branches in XXXX My XXXX bank charged me XXXX in fees for this failed collection process I have paid my XXXX lawyer XXXX in legal fees attempting to resolve this matter I have no online access to my closed account and can not view any information These funds represent my life 's savings

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 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX Request was submitted on XX/XX/XXXX XXXX Rushmore Servicing failed to pay Homeowners Insurance ( XXXX XXXX ) on XXXX XXXX, XXXX causing homeowners insurance to cancel and lapse. Although my homeowners insurance was escrowed and paid during previous years with the lender. XXXX did not pay. I spoke numerous of times with lender concerning the insurance bill. Also, XXXX XXXX repeatedly send lender invoices but lender never paid. This is an unfair situation due to the lack of communication on behalf of lender. Inclusive the lender placed their own high cost insurance on my escrow account of over {$2000.00} in which caused an escrow shortage that's still present on my escrow today. In addition to paying my own homeowners insurance. Therefore, XXXX over paying triple for my home insurance coverage. In conclusion, I did not receive a legitimate response from my first complaint. Therefore, I'm seeking for CFPB to help me resolve this situation with my XXXX request submitted on Thursday, XX/XX/XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I have been in the process of a deed in lieu of foreclosure with PennyMac for several months. Working with XXXX XXXX. Her responses were delayed and if she answered any of my questions they were vague and rude. I asked repeatedly for a timeline and if any additional information was needed from me with no direct answers or an outright no. I asked her to ensure the account was clearly documented so that there would be no threats of forclosure. Due to her negligence, dual tracking has occurred and the bank has also begun the foreclosure process and changed the locks on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TN

Complaint narrative:
XXXX I amresponding to your recent response dated XX/XX/XXXX. I determine you have not yetaddressed my concerns, and you did not provide any new information that would resolve my issue.Included in my previous emaildated XX/XX/XXXX. Iunderstand you do not agree that you made a mistake, you do not take responsibility of your act, you con your customers just to make them open an account, so you could earn your commissions. I respectfully decline your response and I need someone for whom customer is a priority and take ownership to check on my complaint and provide a resolution.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting reconsideration of a recently reported late payment on my credit card account. The late payment involved a very small balance of {$17.00} and resulted from an administrative oversight that was corrected immediately upon discovery. I fully acknowledge responsibility for the delay. I have been a Bank of America cardholder since XXXX and have otherwise maintained a perfect payment history over nine years. I contacted Bank of America directly to request a goodwill review, but was informed no review or written request would be considered. I am not disputing the accuracy of the reporting ; rather, I am respectfully requesting that Bank of America reconsider whether a one-time goodwill adjustment may be appropriate given the isolated nature of this incident and my long-standing account history, particularly as I am preparing for mortgage financing.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my Cash App account was permanently deactivated. While I understand the account closure decision, I still have a remaining balance of {$490.00} in the account and have been unable to withdraw my funds. On XX/XX/XXXX around XXXX XXXX, I attempted to withdraw my funds using my XXXX XXXX card, which was declined. I contacted Cash App support via chat and was instructed by a representative to try linking a different debit card. Following that advice, I attempted a family members debit card, which was also declined. I then retrieved my primary debit card ( ending in XXXX ) and attempted the withdrawal again, and it was declined as well. After following the representatives instructions, I was later informed that too many cards had been linked to my account and that I could no longer add or use debit cards or bank accounts. I am now completely unable to access my remaining balance. Support has since closed my complaint internally and has not provided any alternative method to receive my funds, such as a mailed check or manual disbursement. I am requesting that Cash App release my remaining balance of {$490.00} immediately through a manual disbursement or alternative payout method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Zip Co US Inc.
State: NV

Complaint narrative:
I am submitting a complaint regarding Zip Pay and unexplained changes to my account status. My payments have been current, and there have been no missed or returned payments. Despite this, my spending power was significantly reduced to approximately {$10.00} without clear explanation or notice. Zip has previously withdrawn payments successfully from my financial institution. To verify the issue, I contacted my bank directly. They confirmed that there are no holds, blocks, insufficient funds issues, or declined transactions on their end. They stated that the issue does not originate from my financial institution. I have attempted to resolve this directly with Zip but have not received a clear explanation for the reduction in spending power. The sudden change has negatively impacted my ability to use the service as advertised. I am requesting a formal review of my account status, a clear explanation for the reduction, and a correction of any inaccurate internal reporting affecting my spending limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 15120is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX credit cards were opened in my name about XXXX weeks apart. XXXX was for a XXXX XXXX XXXX XXXX and the other credit card was for Wells Fargo XXXX XXXX XXXX. Wells Fargo also noted a savings and checking account that was opened that they have also submitted a closure for.

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