vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 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: CA

Complaint narrative:
I am filing this complaint regarding Capital One 's handling of a disputed credit card transaction. On XX/XX/year>, I agreed to pay {$72.00} for transportation to the XXXX event in XXXX XXXX. Prior to entering the vehicle, I agreed with the driver that the fare would be {$72.00}. Upon arrival at my destination, I was presented with a payment terminal displaying {$72.00}, and I authorized payment of that amount by tapping my mobile device. After the transaction posted, I discovered that the merchant, " XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, '' charged my account {$160.00}. I did not authorize a charge of {$160.00} and did not agree to any amount greater than {$72.00}. I filed a dispute with Capital One explaining that the issue was not whether I made a payment, but whether I authorized the amount ultimately charged. Throughout the dispute process, I consistently maintained that I authorized only {$72.00}. Capital One subsequently denied and closed my dispute. When I contacted Capital One, I was informed that the dispute could not be validated because I was unable to provide a receipt. However, no receipt was ever provided to me by the merchant. I can not produce documentation that was never given to me. I requested that Capital One provide the evidence submitted by the merchant or identify the documentation relied upon when denying my dispute. To date, Capital One has not provided me with any signed receipt, electronic authorization record, payment terminal log, or other documentation demonstrating that I authorized a charge of {$160.00}. My concern is that Capital One appears to have shifted the burden of proof to me while failing to require the merchant to demonstrate authorization of the disputed amount. The central issue is not whether a transaction occurred, but whether the amount charged was authorized. I am requesting that Capital One : Reopen and conduct a reasonable investigation into this dispute. Provide the evidence relied upon in denying the dispute. Explain how it determined that {$160.00} was authorized. Credit the unauthorized portion of the charge if the merchant can not demonstrate authorization of the full amount. I believe Capital One has failed to adequately investigate my billing dispute and has not provided a reasonable explanation supporting its decision to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
I am filing this consumer complaint against XXXX XXXX XXXX regarding unauthorized, predatory fee practices and non-consensual asset liquidations on my retail digital currency account. Between XXXX and XX/XX/year>, XXXX executed a series of internal " admin_transfer '' transactions that completely depleted my asset balances to {$0.00}. The company claims these forced liquidations represent a $ XXXX monthly " custody fee '' for inactive accounts. However, instead of charging a single {$15.00} fee per account, XXXX applied a separate {$15.00} fee to every single sub-asset balance simultaneously ( XXXX CSPR, XXXX XXXX, and multiple balances of XXXX ). This compounding, aggressive fee application was explicitly designed to exhaust and forfeit a consumer 's entire principal investment portfolio within 90 days. I was never provided with clear disclosures, nor did I give explicit consent for XXXX to forcefully liquidate my principal tokens via internal administrative transfers. When I formally disputed these hidden charges through their support system under Ticket # XXXX, Ticket # XXXX, and Ticket # XXXX, XXXX issued automated boilerplate rejections, refused to escalate the issue to a supervisor, and stated that their decision to seize my funds was final. XXXX XXXX practices represent an unfair, deceptive, and abusive forfeiture of retail consumer property under the guise of administrative fees. I request the CFPB to compel XXXX XXXX XXXX to reverse these unauthorized " admin_transfer '' liquidations from XXXX, XXXX, and XX/XX/year> and fully restore my rightful token balances for XXXX, XXXX, and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & t has been back dating my transactions and dont post until the last min ( closing of business day ). They debit my account either at midnight or after midnight. For Example the charge should be visible before midnight if balance is low account holder can take care of it right away by depositing sufficient funds but they dont post the charge the next day back dating the transaction and that is how they have charged me {$45.00} on 3 different occasions

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 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I closed on my mortgage with XXXX XXXX on XX/XX/XXXX. Shortly after on XX/XX/XXXX I received an email from XXXX XXXX XXXX that my mortgage was sold and I would be making my 1st payment to Village Capital. My mortgage payment upon closing was XXXX. After making my payment on XX/XX/XXXX for XXXX 's mortgage payment, I logged back in to my account and noticed my payment due for XXXX was raised to XXXX. I immediately called Village Capital to inquire about why my payment was raised. I was initially told it was due to an escrow shortage because of my homeowners insurance has increased after closing. This did not make sense because my insurance was paid in full at closing and it was not up for renewal. After reviewing my closing disclosure, settlement statement, and verifying with the insurance company, it was confirmed my homeowners insurance was paid in full. I then reached out to Village Capital again to further get an explanation of the increase. I was then told from a different representative the increase was due to my property taxes increasing for the upcoming tax year. Prior to closing on my home, the builder paid the taxes in full before the due date on XX/XX/XXXX and I paid the prorated taxes to the builder at closing which is also on my settlement statement. In addition to this, I am receiving a homestead exemption which is lowering my taxes for the current tax year. After continuing to get the run around, I sent an email to Village Capital 's servicing department on XX/XX/XXXX about the unexplained mortgage increase and I have yet to receive a valid explanation of increasing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Payment of {$150.00} were being made each month since XX/XX/XXXX, {$55.00} should have been going towards the fixed acccount and the rest to the deffered interest account. Now they are stating only {$480.00} was applied to the deffered interest account and promotion for that account ended XX/XX/XXXX. The {$100.00} were supposed to go towards that account to avoid being charged interest when promotion ended. Now im being charged {$490.00} in interest or pay {$800.00} by XXXX to have the interest removed. Spoke with 3 mangers and they said they can do anything and that I had to call every month to allocate payments. That information was never mentioned to me and if it was I would not have set up the account on auto pay for {$100.00} and I would have called every month to make the payments.

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 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
No escrow analysis performed 13 months since last escrow analysis performed. Have received a statement that payment is being increased, no escrow analysis received or mailed. Not in portal. Mortgage representative could/would not tell me why payment is being increased other than increased escrow. Signed up for electronic correspondence, have received all other statements electronically. No escrow analysis received electronically. Property taxes and insurance have not increased from year to year. Escrow payment being increased by XXXX %.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
My son was victim of documented peer-to-peer XXXX XXXX scam involving social engineering and impersonation of a XXXX customer service agent. This was on XX/XX/year>. Funds were transferred with my debit card under false pretenses, with the CashApp. The scammer advised the funds transfer was needed to create and " verify '' a XXXX XXXX account. I immediately contacted CashApp upon realizing the scam and requested a goodwill reimbursement and review of account safeguards. They informed me because my son was on the phone while the scammer took control of his phone and told him what to do, they could not help me. The scammer had me transfer {$500.00} to my son, XXXX XXXX. From there, the scammer removed the balance from the Cash account by purchasing bitcoin. He said once they " verified '' my son 's account with the money they would return all of the funds back to us. Clearly that did not happen. I have asked for assistance from CashApp and XXXX XXXX bank. Neither was willing to help because the scammer had my son involved in while he committed fraud against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: AL

Complaint narrative:
On XX/XX/year>, I took my vehicle to a local dealership for a pre-road trip safety check. The merchant " XXXX XXXX '' performed unauthorized parts replacements and predatory services, including a {$140.00} " XXXX XXXX XXXX, '' without providing a written estimate or obtaining my digital/written consent. They also forced an upfront payment for an out-of-stock filter. Furthermore, they returned the vehicle in an unsafe condition ( grossly incorrect tire pressures and a disconnected wire under the hood ). I had to take my car to a second authorized dealership " XXXX XXXX '' on the same day to verify the malpractice and fix the vehicle. I immediately disputed the unauthorized charges with my credit card company ( the Bank ). The total disputed amount was {$310.00} On XX/XX/year>. The merchant issued a partial refund of {$100.00} ONLY for the single backordered item they failed to provide after I called the merchant to report their service and asked for the full refund. However, the Bank immediately and incorrectly marked the entire dispute case as " completed '' and closed the file on XX/XX/XXXX, citing the merchant 's {$100.00} partial refund as a resolution. The Bank completely failed to investigate the primary issue : the remaining {$210.00} in completely unauthorized and fraudulent service charges. On XX/XX/year>, I spent over an hour on the phone with the Bank 's dispute customer service to appeal and reopen the case for the remaining {$210.00}. The agents were unhelpful, demonstrated a complete lack of understanding of billing disputes involving unauthorized merchant charges, and threatened to deny my dispute unless I could provide impossible " leads. '' The Bank is failing its regulatory duty under the Fair Credit Billing Act ( FCBA ) by refusing to investigate explicit, documented unauthorized credit card charges simply because the merchant issued a partial refund for an unrelated out-of-stock item. I demand that the Bank reopen this dispute immediately, perform a proper investigation regarding the lack of signed consumer authorization from the merchant, and credit my account for the remaining {$210.00}.

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 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Formal Dispute : Inability to Access Account due to SSN Error and Request for Immediate Credit Reporting Review To Whom It May Concern, I am writing to formally dispute a persistent technical and administrative error regarding my student loan account managed by Aidvantage, which has severely impacted my ability to manage my loans, verify my balances, and ensure accurate credit bureau reporting. For more than two years, I have been locked out of creating or accessing an online account on the Aidvantage portal. Every attempt to registermost recently in XXXX XXXXresults in an error stating that the system does not recognize my Social Security Number ( SSN ). Because of this systemic error : 1. Lack of Account Management : I have zero online access to view my loan balances, interest accumulation, payment histories, or official statements. 2. Inability to Self-Initiate Payments : Because the website does not feature a clearly accessible public phone number, I am forced to wait for inbound calls from your representatives just to make manual payments. XXXX. Unresolved Customer Service Inquiries : None of the inbound phone representatives I have spoken with over the last 24 months have been able to successfully identify or correct the backend data mismatch causing this issue. Because my SSN is not registering correctly in the system, I have reason to believe that my loan data is either completely missing from your core database, associated with incorrect identifying criteria, or being misreported ( or failed to be reported accurately ) to the major consumer reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, as a furnisher of information, it is a legal obligation to investigate consumer disputes and report completely accurate information. I am requesting the following immediate actions : Data Rectification : Audit my account profile to correct the SSN/identity block that prevents me from registering online. Account Ledger Request : Mail a complete physical printout of my master loan ledger, including total balances, payment history, and current loan status to my address listed above. Credit Verification : Verify exactly how my account is being reported to the credit bureaus, and ensure my positive payment history is correctly reflecting under my verified SSN. Please provide a written response outlining the results of your investigation and confirmation within 30 days of receiving this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: AR

Complaint narrative:
To Whom It May Concern : I am filing a complaint regarding inaccurate information being reported on my XXXX consumer report. To Whom It May Concern : I am filing a complaint regarding inaccurate information being reported on my XXXX consumer report. Frost Bank XXXX # : XXXX appears on my report ; however, I did not open, authorize, or benefit from this account. I dispute the accuracy and validity of this account and request a complete investigation into how this account was opened and reported under my identity. If XXXX XXXX XXXX can not provide documented evidence that I personally applied for and opened this account, including a signed application, signature card, account-opening records, and identity verification documents, I demand that the account be deleted from my XXXX file immediately. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that XXXX and XXXX XXXX XXXX conduct a reasonable investigation and remove any information that can not be verified as accurate and belonging to me. I am requesting : 1. A complete investigation of the disputed account. 2. Copies of all documents used to verify the account. 3. Immediate deletion of the account if it can not be verified as mine. 4. An updated XXXX report reflecting the correction. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX. XXXX ] [ XXXX XXXX XXXX XXXX Arkansas XXXX ] [ XX/XX/year> ] [ XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a customer of Truist bank at the branch located at XXXX, XXXX XXXX approximately XXXX a representative of the bank physically scanned my state-issued driver 's license into their internal computer network. I do not want my driver 's license being scanned without my express written consent and the bank staff was unable to provide any explanation of how my license information was being protected beyond, " It's our new policy. '' Via the ( extremely helpful ) branch manger in XXXX, PA, I explicitly requested clear, transparency from the bankincluding escalating this matter to the executive/presidential consumer support levelregarding the physical lifecycle of this highly sensitive piece of Nonpublic Personal Information ( NPI ). I requested to know : 1. What information is being retrieved from my drivers license and how exactly is being used, and ( important ) where is it being stored, and how long is it stored by Truist? 2. Are there any third parties service providers involved with the scanning and confirming my identity using my drivers license? Specifically, is my drivers license information being sent outside of Truists banking system in any way, shape, or form? Id like to know precisely how and where my personal information is shared. 3. What is Truists specific written policy if I decline to provide my drivers license to the teller? Simply put, what happens if ( as a long time customer ) I just decide to say, Nope. ( Heres my guess. A lawyer-type is going to say, Its our policy. Nothing we can do. Have a nice day. ) The banks executive customer support was respectful and responsive, but provided a complete insufficient and generic response with absolutely no substantive information leaving me wondering if my driver 's license data is being sent to third parties that have no need-to-know and/or government entities that have no reason to be involved with my banking engagements. While I recognize the bank 's federal mandate to verify customer identity under the USA PATRIOT Act, federal compliance does not grant a financial institution the right to hoard and obscure the transit mapping of highly sensitive identity documents without giving consumer clarity, especially given the catastrophic rise in institutional data breaches. The bank 's answer/non-answer and lack inability to clarify its internal data custody workflow leaves me unable to verify if my identity data is being handled in accordance with GLBA Safeguards rules, or if it has been exposed to unvetted third-party cloud aggregators.

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 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
Today XX/XX/XXXX, my escrow company XXXX XXXX called on my behalf to disperse funds from my home sale for home l. The loan servicer HomeLoanServ told my escrow that the loan is under a different name, and I can prove that it is in fact is not, because I also called my loan servicer and used the exact information I provided to XXXX XXXX in my authorization for them to seek a payoff order and anything else related to the home. I sent an email at roughly XXXX to a worker who provided me a payoff order in XXXX of XXXX. I have made the loan servicer aware that the home is under contract for sale and set to close on XX/XX/XXXX. The notice of default provided to me was issued on XX/XX/XXXX. The home loan will be paid off and the home no longer legally in my possession 3 days after. The servicer is intentionally not providing the payoff order so they can continue charging me fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My identity was stolen in a data breach they got my social security number, my debit card information, my email information they had my address and phone number and would switch the information around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding Wells Fargos continued furnishing of account ending in XXXX to XXXX XXXX XXXX. The account is reported as a closed savings account. I previously disputed this reporting directly with Wells Fargo and XXXX XXXX XXXX. Despite my dispute, the account continues to appear in my consumer file and negatively impacts my ability to obtain banking services. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ), furnishers of information must report accurately and conduct a reasonable investigation after receiving notice of a dispute. I request Wells Fargo provide complete documentation establishing the legal basis for continued reporting, including account agreements, closure records, investigation records, and any evidence supporting the accuracy and completeness of the information furnished. If Wells Fargo can not verify the information with competent documentation, the reporting should be deleted from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief