vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is a fully tax-compliant XXXX corporation that has maintained a 0 % refund rate across over {$160000.00} in verified gross volume during XXXX years of operation ( XXXX ). On XX/XX/XXXX, our business account ( XXXX ) was permanently deactivated. PayPal cited a technical 'linkage ' to a legacy XXXX verification error from our startup phase as the reason for this action ( Reference : XXXX ). Since that XXXX error, we have fully formalized the entity with an IRS XXXX, verified ITINs, and maintained a flawless processing history with XXXX customer losses. We provided PayPals Executive Office and the XXXX with XXXX documents of ironclad proof, including a signed XXXX Federal Tax Return showing {$120000.00} in gross receipts and proof of a {$1500.00} IRS corporate tax payment. Despite this transparency, PayPal issued a generic denial citing 'proprietary modeling ' without addressing our specific financial evidence or providing a manual audit to cure the legacy link ( Case # XXXX ). This arbitrary deactivation and 120-day hold on capital causes significant financial harm to a compliant, tax-paying US merchant. We request a manual override and full account reinstatement by a senior risk XXXX. Reference ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year>, my physical debit card and mobile phone were stolen while I was at a hospital. As soon as I realized the theft occurred, I immediately contacted Chime to report the unauthorized access and secure my account. I also promptly filed an official identity theft report and a local police report.While my mobile phone was later recovered at a local business that same day, my Chime debit card was never returned and remains missing. Despite providing proof of the theft and immediate notification, Chime denied my fraud dispute for the unauthorized charges that occurred during the time my card was stolen.Chime is in violation of Regulation E ( Electronic Fund Transfer Act ) by failing to properly investigate and reimburse these fully unauthorized, fraudulent charges resulting from a physical theft. I am requesting that Chime reopen this investigation, review my police report, and credit my account for the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing regarding restrictions currently preventing me from opening a personal banking account with U.S. Bank. I respectfully ask that my case be reviewed and that any internal hold or restriction tied to prior identity theft activity be reconsidered so I may establish a new banking relationship with your institution. I previously banked with U.S. Bank around XXXX. During that period, my personal information and accounts were compromised as part of a broader identity theft situation that affected multiple financial institutions and credit accounts. As a result, my U.S. Bank account was ultimately closed due to the fraudulent activity associated with the compromise. Since then, I have spent years working to resolve these issues through law enforcement reports, FTC identity theft filings, attorney representation, and direct disputes with creditors and financial institutions. Importantly, I have documentation from U.S. Banks Fraud Department confirming that after completing its investigation into a fraud claim totaling {$8400.00}, U.S. Bank determined that I was not financially responsible for the account in question. The letter further confirms that the matter involved fraud activity and that I was not liable. I am prepared to provide this documentation upon request. I have also already visited a local U.S. Bank branch and provided extensive supporting documentation, including : FTC Identity Theft Reports Police reports regarding identity theft Proof of identity and verification documents A letter from my attorney confirming ongoing representation related to my identity theft matters Additional documentation showing fraudulent accounts tied to my compromised information, including accounts involving U.S. Bank My understanding is that the branch forwarded this information to the appropriate Customer Outreach or review department. I greatly appreciate the time and professionalism of the branch staff, and I am simply asking for an opportunity to move forward. I am very interested in building a long term relationship with U.S. Bank both personally and professionally. I own and operate XXXX XXXX XXXX, an XXXX XXXX XXXX XXXX XXXX business based in XXXX XXXX. My business generates substantial annual revenue approaching XXXX XXXX, and I would like to transition both my personal and business banking to U.S. Bank so I can take advantage of the products and services your institution offers.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Midland Credit Management , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Re : Cease and Desist / Debt Validation Request / Credit Reporting Dispute Original Creditor : XXXX XXXX XXXX Account Balance : {$2200.00} Reported Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute this collection account that is being reported by Midland Credit Management , Inc. on my credit report. I do not recognize this account, and I am requesting full validation of this alleged debt. This account may have been opened fraudulently using my personal information without my knowledge, permission, or consent. I am requesting that you provide proof that I am legally responsible for this account, including the original signed contract or application, the full account history, the date the account was opened, the date of last payment, the original creditors records, and proof that Midland Credit Management , Inc. has the legal right to collect this debt. Until this debt is properly validated, I am requesting that you immediately cease all collection activity and stop reporting this account to the credit bureaus. If you are unable to provide proper validation, I demand that this account be removed from my credit reports with XXXX, XXXX, and XXXX immediately. I am also requesting that you cease and desist from contacting me by phone regarding this alleged debt. All communication regarding this matter must be sent to me in writing only. Please note that this letter is not an admission of responsibility for this debt. I am disputing this account in its entirety and requesting written confirmation of your investigation results and any deletion request sent to the credit bureaus. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
" URGENT : Compliant agaist BMO 's Fraud and Ongoing Predatory Servicing, RESPA/TILA Violation : Manufactured Default, Extortionate Fees, and Unpaid {$120000.00} Liability '' I am filing this complaint against BMO Bank N.A . regarding ongoing predatory servicing and bad-faith conduct that has resulted in active litigation ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ). Active Litigation : This dispute is currently before the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. BMO is aware of these proceedings yet continues to engage in " dual tracking '' by initiating a second artificial foreclosure cycle. Not appearing in XXXX XXXX : BMO neither appear in court on XXXX XX/XX/year> and also not confirming for XXXX XXXX mandatory appearance. Failure to Correct Account : On XX/XX/year>, I completed a full reinstatement of {$120000.00} under protest. XXXX has failed to update the loan status, failed to release the unauthorized forced escrow account, and continues to block my contractual monthly Principal & Interest ( XXXX & XXXX ) payments of {$6800.00}. XXXX XXXX XXXX XXXX : Within days of the full reinstatement, BMO issued an unsubstantiated demand for over {$27000.00}. They are attempting to force a second foreclosure to generate unearned fees. This includes an escrow demand based on an inflated, incorrect property tax figure of {$85000.00}, which directly contradicts the actual {$34000.00} obligation and pending Proposition XXXX appeal with XXXX XXXX. Outstanding Liability : In addition to these servicing violations, BMO has failed to remit payment for a verified liability of {$120000.00} for which a formal invoice has been submitted. BMOs refusal to address this debt while simultaneously attempting to extort funds from me demonstrates a pattern of bad-faith dealing.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My checking acct was overdrafted and on XX/XX/year> i deposited {$1000.00} which brought my acct to a positive balance. The grace period regions offers should have then resetted. My account overdrafted again that day and they still charged me {$100.00} overdraft fee that should not have been charged. Why do they advertise the grace period if they do not follow it. Rules for Immediate Re-OverdraftingNew Transactions are Separate : If a deposit covers Day 1, but you make purchases on Day 2 that immediately overdraw the account again, those new transactions are treated as a separate business day 's activity.No Continuous Loop : The bank evaluates the balance at the end of each business day. If the account 's available balance is overdrawn by more than XXXX ( \ $ XXXX ) at nightly processing after the next day 's cutoff, you may incur a Paid Overdraft Item fee ( currently \ ( \ XXXX XXXX XXXX ) for those specific transactions

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Severe Authentication Defect leading to Unauthorized Consumer Data Exposure. I just recently changed mobile carriers and when I switched I opted to get a new mobile phone number. I have had an account with Current for quite some time, so I downloaded the app and began to start the process to access my account in which I was going to immediately change the phone nunber to my new number. Upon opening app the only option i had was to " get started '' immeditely I was asked for my mobile number, in which I entered my new number, there was no other option for no access to old number or ny alternative option to log into my account. My thought process at the time was that it would send me a code and then proceed to ask me further questions which then red flag that I had an account and start the recovery process for me to get into my account. After I entered the code that was sent to me I was immediately taken directly into an account that was not mine I was able to see all personal & private nformation of this person. I immediately contacted customer service to advise of the situation and to submit whatever they needed for me to get into my account I furthermore stated how easy it was to just be taken into is strangers account and see all their information without any further verification of who I was. I was told by your customer service representative suzette that she would forward that to the fraud department. And that somebody will get back to me in 2 to 3 days. I stated to her again that that seem like scary time frame and that hopefully no one was able to access my account with my old phone number. I have screenshots of the entire conversation that I had with the representative. After our conversation I followed up with an email summarizing what occurred to both privacy department at current as well as customer service. I was in the email asking for both a tracking ticket number in regards to this and confirmation that my number has absolutely been 100 % unlinked from The strangers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minute ago ) to me I financed a vehicle through Westlake Financial that included additional financed products, including a XXXX XXXX XXXX Contract for approximately {$4000.00} and GAP coverage. My vehicle was later declared a total loss. The insurance settlement value was approximately {$33000.00}, while the payoff balance was approximately {$24000.00}. After the payoff was completed, I received approximately {$9000.00} in remaining equity from the insurance settlement. Because the XXXX service contract was financed into the loan and the vehicle was totaled before the service contract term ended, I contacted Westlake Financial multiple times regarding a prorated cancellation refund for the unused portion of the XXXX contract. During these communications, I received inconsistent and conflicting information from multiple representatives and supervisors. Some representatives stated that a prorated refund existed and/or that a check had been issued or mailed. Other representatives gave different refund amounts. A later supervisor stated they could not locate any refund information at all and claimed they did not see anything on their end regarding the XXXX refund. I repeatedly requested clarification regarding : - whether the XXXX contract had been cancelled, - whether a prorated refund was generated, - whether the refund was applied to the payoff balance, - whether a check was issued, - and where the funds were applied. Despite multiple calls, Westlake Financial has not provided a clear written accounting or explanation regarding the disposition of the XXXX cancellation refund. I also received inconsistent information regarding whether I allegedly owe any remaining balance on the account despite the insurance payoff and settlement. I am filing this complaint because I believe Westlake Financial has failed to provide accurate and consistent accounting regarding the financed XXXX service contract refund and the final accounting of my total loss vehicle loan account. I am requesting a complete written accounting and investigation into the handling and disposition of the XXXX cancellation refund and any alleged remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX numerous disputes were filed. All were ruled against me. I raised to provide extra information they said I could. I got XXXX email saying g disputes closed all information was viewed snd nothing new was added. [ Once this happened in under XXXX minutes ]. XXXX coins casino XXXX Crown coins casino XXXX Crown coins casino XXXX Crown coins casino XXXX Crown coins casino XXXX Crown coins casino XXXX Crown coins casino XXXX I told them this is a malicious vendor upset im I a winning law suit and had access to my XXXX wallet and was wreaking havoc on my finances. I was told they would block them. XXXX disputes came back with no win despite me being banned on the account. Well cashapp lied about blocking anything. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All filed same date. All filed same time. All filed with same evidence. Got the casino to reinstate an account so I could win my money back. They emailed me insults and threats. Evidence was the stating thy were laying our at a certain date and time to which they just kept all my winnings. Ive since asked them to close the qcclunt, changed all my XXXX information, and even disconnected my banks from plaid. -cashapp refuses to listen or help as I speak to them the just terminate the chat and say my complaint is lodged. Ive spent loteral days working with them for that answer to come up, oe to be told the dispute team cant speak on the pogne and they will email me. It feels so randomly slapped together I often get emails saying g the case is closed all evidence is reviewed despite me wanting to provide extra evidence. XXXX set I was entirely banned XXXX set inwas stupid At no point did cashapp ever listen At no point dod they help recover funds. XXXX XXXX should be EMBARASSED. ALL the XXXX charges were to win at a casino and I did win. The company decided tow ith hold payment XXXX days beyond the date and continued to ask for patience which I politely refused before moving into this. Cash app is an eternal nightmare that never let 's me get anywhere idk what to do except sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding the possibility of reopening a banking relationship with BMO Bank. Before I visit a branch to attempt opening new accounts, I wanted to respectfully request clarification and confirmation regarding my eligibility to open both personal and business banking accounts with BMO. I previously banked with BMO from approximately XXXX through XXXX until my account was unfortunately compromised due to identity theft activity that I have been dealing with since XXXX. During that time, fraudulent activity tied to my personal information affected multiple financial institutions and accounts without my authorization. When the issues involving my BMO account occurred, I fully cooperated with the bank and provided substantial documentation supporting my identity theft claims, including FTC reports, police reports, and supporting evidence. BMO reviewed the matter thoroughly, and I later received written confirmation stating that ChexSystems validated my identity theft claim and removed the reporting associated with the account. BMO also confirmed that collection efforts tied to the disputed account were discontinued. Because BMOs own investigation and the XXXX findings confirmed that I was a victim of identity theft and not responsible for the fraudulent activity, I wanted to respectfully ask whether I should now be eligible to open new accounts with the bank. I truly enjoyed banking with BMO during the time I was a customer, and it is unfortunate that identity theft impacted that relationship. My intention now is simply to move forward and rebuild. I would genuinely like the opportunity to establish both personal and business banking with BMO again. I own and operate XXXX XXXX XXXX, an interior design and project coordination business based in XXXX XXXX, and I am looking to consolidate my personal and business banking with a long term financial institution I feel comfortable working with. Before I take the time to visit a branch, I would sincerely appreciate confirmation as to whether there are still any restrictions preventing me from opening an account, or whether I am now eligible to proceed with opening new personal and business accounts with BMO. Thank you for your time, review, and consideration. I look forward to hearing back from your team and am happy to provide any additional documentation if needed.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I deposited a retirement loan check in the amount of {$7500.00} into my Bank of America checking account. I was told verbally and on paper that majority of the funds will be released the next day. Later on in the evening I received an email from Bank of America stating " Hold notice We've placed a hold on one or more checks to help verify funds. Review the availability information and hold reason for details. XXXX XX/XX/year> at XXXX XXXX local time {$7500.00} We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' I believe I was racially profiled by the bank and a note was placed on my account by the bank teller. Bank of America is refusing to provide me with explanation of the information used to make this decision and change. Bank of America is known for unfair practices that has resulted in several lawsuits and settlement payouts.

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