vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Good morning on Saturday XX/XX/year> around XXXX XXXX I went to put money to the ATM capital one I sold my truck for XXXX XXXX and I decided to go to the ATM I did 3 different transactions one was XXXX wich inmediatelly as soon as I put the money I check the funds on the account and says I didn't do a transaction okay I call the back immediately which I get on the phone with them and I told they hey my account is still empty it looks like the atm eat my money he says theres no registration of that money and I told him check the cameras I just did it he says I will start a dispute it will take 45 days .. then I asked him I still have money it is secure to put it on the ATM he says yes I did another transaction of XXXX and XXXX and those yes appears on that account but today the XXXX it looks like the denied my investigation I don't know why I just need my money back please I really need it it was very hard for me to get it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my account on XXXX following a {$400.00} cash deposit. After closing my account, the bank received a direct deposit from my employer of about {$1400.00}. The bank refunded this deposit via check but failed to refund the {$400.00} cash deposit. Additionally, the bank has also refused to remove the restictions on my XXXX account, thereby preventing me from being able to register with XXXX with my new account. Despite numerous calls and visits to the bank, this issue remains unresolved to date.Their customer service line requires an account number to speak to a rep. Due to not having an account, I am unable to do so. I was able to get someone on the line using another option ; however, I was transfered to XXXX other departments with the promise of each department being able to resolve my issue. On my last transfer, I asked to speak with a supervisor who then transfered me back to the cue. I have since developed a relationship with a new bank ; however, I am unable to use XXXX and am short {$400.00} in funds, still being held by Bank of America.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, Truist Bank withdrew {$1000.00} from my account through what they called a XXXX XXXX XXXX. The funds were taken from my account ending in XXXX and applied to a prior account ending in XXXX. When I opened my account, I worked with two different bankers, and at no point was I informed of any prior negative balance or that my funds could be subject to a setoff. I was never provided any documentation, disclosure, or verbal explanation regarding this prior account or the risk that my deposited funds could be taken. Prior to this transaction, I had never received any communication, notice, or statement indicating that I had an outstanding balance that could result in my funds being withdrawn. If this had been disclosed, I would have addressed the issue before depositing funds into my account. After the funds were removed, I contacted Truist to request an explanation. I was informed that the funds were applied to a prior account, but I was not given clear or complete information as to why this balance was not disclosed to me during account opening or why the funds were taken without prior notice. I believe Truist failed to provide proper disclosure and transparency regarding this prior balance and the potential for a setoff. This caused unexpected financial hardship and loss of access to my funds. I am requesting a full investigation, a clear explanation, and appropriate resolution regarding 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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I contacted American Express prior to my accounts being closed to request a transfer of Membership Rewards points between my accounts. During this process, a customer service representative removed one of my accounts and transferred approximately XXXX Membership Rewards points ( valued at around {$2400.00} ) to an account that became inaccessible. After the transfer, I was informed by the representative that they could no longer locate or access the points, and I was unable to redeem them. I opened a case with American Express to investigate and recover the missing points. Approximately three weeks later, my accounts were closed. I am now being told that I can not redeem the points due to the account closure. However, the points were already missing and inaccessible prior to the closure due to what appears to be a system or processing error. I am requesting that American Express conduct a full review of the Membership Rewards transaction history and restore or otherwise account for the missing XXXX points, as they were not redeemed or forfeited through normal account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S & S Recovery, Inc.
State: NC

Complaint narrative:
I attended XXXX XXXX in XXXX ( XXXX old ) Ive went in asking questions about class and trying to figure out college. I did not end up attending and decided to sign up with XXXX XXXX XXXX I took my first class and my first semester attending XXXX and they had dropped me the second semester due to my FSA issues. XXXX XXXX claims I owe than {$1500.00} and when I called and ask they did not give me a reason. The collection agency added an additional {$300.00} to it. This has almost been 6 years since than. Ive recently found out because I started to look into my credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint against PayPal regarding the permanent deactivation of my account and the hold on my funds in the amount of {$1600.00}. On XX/XX/year>, at approximately XXXX XXXX, I contacted PayPal customer service to ask why my money was being held and why my account had been deactivated. During that call, I was told that there was no dispute or chargeback on my account. However, when I checked my PayPal Resolution Center, I saw that PayPal had permanently deactivated my account and stated that it may hold my funds for up to 180 days. The notice also referenced alleged activity involving items that appear to infringe on a copyright, trademark, or the right of publicity or privacy, but it did not identify the specific item, transaction, or activity involved. My PayPal account dashboard shows a total balance of {$1600.00}, consisting of {$1300.00} marked as available and {$360.00} marked as not available yet. Despite this, PayPal has restricted my access to the account and my funds. My concerns are : 1. PayPal provided inconsistent information, because customer service told me there was no dispute or chargeback, while the Resolution Center states that my account was permanently deactivated. 2. PayPal has not provided a clear and specific explanation identifying the exact transaction, product, listing, or conduct that allegedly violated its policies. 3. PayPal is holding my funds without giving me a meaningful opportunity to respond to the accusation or challenge the decision. 4. I need clear information about what portion of the funds is being held, why it is being held, and when it will be released. I am requesting that PayPal : 1. Provide a full written explanation of the reason for the permanent account deactivation. 2. Identify the exact item, listing, transaction, or activity that PayPal claims violated its policies. 3. Confirm in writing which funds are being held, the reason for the hold, and the exact date or conditions for release. 4. Release any funds that are not lawfully subject to hold. 5. Provide a fair review process or appeal process so I can respond to the allegations. I am seeking a prompt resolution and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.A.Rogers, Inc.
State: NJ

Complaint narrative:
This complaint is a follow-up to closed CFPB complaint XXXX filed XX/XX/XXXX against XXXX XXXX, XXXX regarding collection activity on a Visa credit card account originally issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$15000.00} ). In their response to complaint XXXX, XXXX XXXX XXXX XXXX claimed their XXXX XXXX license number is # XXXX. I contacted the New Jersey Division of Revenue and Enterprise Services, UCC Unit, directly to verify this claim. On XX/XX/XXXX, a Division representative provided written confirmation of the following : - No license # XXXX exists for R.A. Rogers , Inc . - Their actual registration number on file is # XXXX - Their surety bond, required under XXXX XXXX. XXXX, was submitted XX/XX/XXXX but was never approved by the Division 's legal team- The bond expired XX/XX/XXXX with no renewal on file as of XX/XX/XXXX XXXX XXXX provided a fabricated license number to the CFPB in their official regulatory response while simultaneously operating in New Jersey with an expired, unapproved surety bond throughout the entire period of their collection activity directed at me. This constitutes a false statement to a federal regulator and a violation of 15 U.S.C. 1692e, which prohibits false and deceptive representations in connection with debt collection. Additionally, despite multiple written requests since XX/XX/XXXX, R.A. Rogers has never provided proof of assignment or authority to collect this debt from XXXX XXXX XXXX XXXX XXXX XXXX which is a deficiency that remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has allowed a XXXX to freeze funds in my account that are exempt from .. life insurance premiums and personal injury which do not fall up under accounts receivables

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I initiated a wire transaction from my bank, XXXX in XXXX, MI to Citizens Bank located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Shortly after I initiated the wire, I called my bank to cancel the wire for fear that I may be a victim of wire fraud. The party that I wired the funds to informed me that Citizens bank has my funds in their possession and provided a phone number to get in contact with a representative. Upon contacting Citizens bank, they informed me that a representative from my bank would need to contact them on my behalf, which they have done numerous times with no response from Citizens bank. Citizens bank is unlawfully holding my funds and not communicating to get this matter resolved. I have also filed a police report with my local police dept. It has been almost 2 months with no response from Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ref. XXXX Disputed Amount XXXX. Was charged XXXX by XXXX through a hotel reservation due to technical glitches on their website which they never accepted. I made an additional reservation so the hotel could reconsider our stay there and I could pay the difference of the original non-refundable reservation ( same dates ). What XXXX and the hotel did was that they totally ignored my requests by ignoring my messages to them. Instead they wanted me to pay over XXXX dollars for just a XXXX nights. In other words, they collected XXXX already without me staying there AT ALL with my family on a coming vacation in XXXX and still wanted to collect the full amount in another reservation once we stay there for another XXXX and change. Total robbery in my view.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted the company and was informed that I qualified for a re-age program intended to bring my delinquent credit card account back to current status. I accepted the program and was advised that I would need to make three payments within a 90-day period. Based on the instructions provided, I planned my payments accordingly and began making payments in XXXX and XX/XX/XXXX in good faith. However, I later discovered that my account had been closed on XX/XX/XXXX, before I was able to begin making payments under the program as instructed. Despite this, the company continued to accept my payments and reported my account as severely delinquent, including 90-day late payments. This creates a clear inconsistency : * I was placed into a hardship/re-age program intended to bring my account current * My account was closed before I could complete the program * Payments were still accepted after the account was closed * Negative credit reporting continued during this period In addition, I made multiple attempts to resolve this issue directly with the company. I sent a formal written request on XX/XX/XXXX, and followed up several times. I also contacted customer service by phone and received conflicting information. One representative stated that my case was under review, while another stated there were no records indicating that any review had been initiated. As of the date of this complaint, I have not received a response to my written requests, and it appears that my issue was not properly logged or investigated. I am requesting a full review of my account and the handling of the re-age program, as well as correction of any inaccurate or unfair credit reporting that occurred during the period I was attempting to comply with the program in good faith.

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 2026-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
I previously submitted a complaint without taking a full look at my account. Since this review, I am requesting an executive-level review of my private student loan account currently serviced by MOHELA, originally serviced by XXXX. These loans were originated within a relatively short period between XXXX XXXX XXXX ), with a total original principal of approximately {$29000.00}. At the time, my annual income was under {$7000.00}, with only about {$2500.00} in earned income. Given these circumstances, I question whether a reasonable and responsible ability-to-repay assessment was conducted. Over the past XXXX years, I have made payments totaling more than XXXX XXXXwell exceeding the original amount borrowed. Despite this, my current balance remains approximately {$53000.00}. This outcome raises serious concerns regarding how interest has accrued and capitalized over time, as well as the impact of the repayment and rate reduction programs I was enrolled in. These programs were presented as beneficial ; however, I now believe they may have delayed principal reduction and significantly increased the long-term cost of my loan without clear and transparent disclosure. At no point do I recall receiving amortization schedules or projections that would have allowed me to understand how these repayment options would affect the total cost of the loan over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PARAMOUNT BOND & MORTGAGE CO.
State: MO

Complaint narrative:
XXXX XXXX originated my mortgage loan and was responsible for communications and guidance related to the sale and transfer of the loan. On XX/XX/year>, I received a written notice generated as part of the XXXX XXXX loan transfer process stating that my loan had been sold, that XXXX XXXX was my lender, and that I was required to make my mortgage payment payable to XXXX XXXX before XX/XX/XXXX. Because loan transfers are sensitive and errors can occur, I contacted XXXX XXXX to verify the accuracy of these instructions. A XXXX XXXX representative ( XXXX XXXX ) explicitly confirmed the validity of the letter and the payment instructions and advised me to follow them. Relying on XXXX XXXX written notice and confirmation, I mailed my mortgage payment in the amount of {$2400.00} to XXXX XXXX on XX/XX/year>. The check was cashed on XX/XX/year>, confirming receipt of my timely payment. After the payment was sent, I continued seeking confirmation regarding the servicing of my loan. On XX/XX/year>, I was informed that XXXX XXXX had taken over servicing and was told that XXXX XXXX had purchased the loan and serviced it through XXXX XXXX, and that my payment would be forwarded and properly applied. This information was later proven false. When I contacted XXXX XXXX directly, I was informed that : I should never have been instructed to send them a payment XXXX XXXX does not have the authority to transfer or forward payments to XXXX XXXX The only available remedy would be a refund, which could take up to 60 days As a direct result of the incorrect payment instructions and confirmations provided by XXXX XXXX, my payment was not properly credited, and I began receiving collection calls from XXXX XXXX for a payment that was already made in good faith and on time. This is not a borrower error or failure to pay. This issue originated from XXXX XXXX loan transfer communications and its confirmation of incorrect payment instructions, which set off a chain of servicing failures after the transfer. I relied on accurate guidance from the originating institution and acted promptly and responsibly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am demanding an immediate investigation into Capital Ones inaccurate and inconsistent furnishing of derogatory credit information for account ending in XXXX. This account was reported closed on XX/XX/XXXX, yet Capital One continues reporting new activity, payment updates, and derogatory late payments into XXXX. The same account is reporting differently across XXXX, XXXX, and XXXX, including conflicting payment histories, account statuses, remarks, and delinquency timelines. This demonstrates unreliable data furnishing and failure to maintain maximum possible accuracy as required under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. I am requesting the complete account payment ledger, date of first delinquency, closure documentation, records supporting each alleged late payment, and explanation for conflicting data furnished to multiple consumer reporting agencies. If Capital One can not produce competent documentary evidence supporting every derogatory mark being reported, then all inaccurate and unverifiable information must be permanently deleted from XXXX, XXXX, and XXXX immediately. Continued reporting of inconsistent derogatory data after notice of dispute may constitute negligent or willful noncompliance with federal law. Closed account continues reporting conflicting late payments and inaccurate derogatory updates after closure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am filing a complaint against Regional Finance for inaccurate credit reporting and unlawful collection practices. Regional Finance is reporting an incorrect balance on my credit report of approximately {$10000.00}. However, I have a recorded phone call with a company representative confirming that the account was charged off in May for approximately {$8000.00}. This indicates the reported balance is inaccurate. Additionally, the account is being reported as a secured loan and/or repossession. This is incorrect. This was not a secured loan and there was no collateral involved. I received a mailed check from Regional Finance and cashed it. There was never any repossession. This is materially inaccurate reporting. Regional Finance also repeatedly contacted a third party ( my father ) Monday through Friday for approximately three months, sometimes multiple times per day, leaving voicemails requesting contact about me. My father asked them multiple times to stop calling, but the calls continued until my mother demanded they stop. Call logs and voicemails exist documenting this pattern. This appears to be improper third-party contact and harassment. I previously filed a complaint, and Regional Finance failed to adequately investigate or correct these issues. I am requesting : 1. Correction or deletion of all inaccurate credit reporting 2. Removal of any secured loan or repossession designation 3. Investigation into repeated third-party contact 4. Written confirmation of the results Due to the multiple inaccuracies and improper collection activity, I am requesting deletion of this account.

Company response to consumer: Closed with explanation