vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear CFPB Representatives, I am writing to formally report a serious issue concerning the lack of transparency and failure to complete two international wire transfers in which Bank of America ( BofA ) acts as the U.S. correspondent bank. 
The payment instructions issued by the originating bank clearly designate Bank of America as the correspondent bank responsible for processing the transactions. However, the funds have been blocked within the correspondent banking chain, and no clear explanation or resolution has been provided. 
Party Details : Payment Originator ( our client ) : XXXX XXXX Originating Bank : XXXX XXXX  XXXX XXXX Correspondent Bank XXXX Bank of America, XXXX XXXX  ( XXXX : XXXX ) Ultimate Receiving Bank : XXXX  XXXX XXXX, XXXX ( XXXX : XXXX ) Ultimate Beneficiary : XXXX XXXX Payment Details ( according to XXXX  XXXX messages ) : Payment XXXX Unique Reference ( Field XXXX ) : XXXX Amount / Value Date ( Field XXXX ) : USD XXXX / XXXX Correspondent Bank ( Field XXXX ) : XXXX Payment Details ( Field XXXX ) : XXXX, Invoice No. XXXX dated XXXX, approved by competent authority XXXX Payment XXXX Unique Reference ( Field XXXX ) : XXXX Amount / Value Date ( Field XXXX ) : USD XXXX / XXXX Correspondent Bank ( Field XXXX ) : XXXX Payment Details ( Field XXXX ) : XXXX, Invoice Nos. XXXX and XXXX dated XXXX, approved by competent authority XXXX ( Full copies of both XXXX XXXX messages are available upon request. ) Summary of the Issue : The payments were initiated by the originating bank and routed to Bank of America in accordance with the XXXX instructions. Bank of America requested additional documentation for compliance review, which was provided in full and without delay through the originating bank. 
Despite this, Bank of America has not provided : Any updated status of the payments A written explanation for the continued blocking of funds An estimated timeline for completion or return of the funds Responses to subsequent official follow-up inquiries As a result, the funds remain undelivered, and the originating and receiving banks are unable to resolve the situation due to the absence of feedback from the U.S. correspondent bank. 
This situation has caused financial losses and has adversely affected our clients ability to meet contractual obligations with its counterparty.

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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I received a call while I was at work XX/XX/year>. From my banks number calling to verify I made a transaction in another state. I told them no and that I was at work. I was informed that my routing number and my account has been compromised and they needed me to transfer my funds from my savings to my checking account. Once completed they told me they were working on issuing me a new account number and closing out my debit cards. Told me in the meantime I need to transfer my funds to another account. Instructed me to transfer it into my XXXX XXXX XXXX to a number XXXX listing my first and last name my bank company and my last XXXX of my social. Once I did the call was disconnected. When I called the bank back to finalize reopening my new accounts and transferring my money back the same number that called me the NFCU the representative informed me no one made that call. Scammers now know how to mask familiar numbers to gain your trust to steal from you. I already called XXXX who transferred me to their third part XXXX XXXX and because the scammer knew the authentication steps for me to type they said they would not be able to cancel the transaction even though I called and them immediately after I called the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Saint Services LLC
State: HI

Complaint narrative:
Company : Credit Saint, LLC Product Type : Credit repair services Issue Type : Billing / fees charged before services completed Desired Resolution : Refund of fees charged during ongoing investigations ; review of billing practices for compliance Complaint Narrative I am submitting this complaint regarding Credit Saint, LLCs billing practices for credit repair services.

Credit Saint bills a recurring monthly fee approximately every 30 days. However, the credit bureau investigations associated with the disputes initiated by Credit Saint routinely remain open for up to 45 days, as permitted under the Fair Credit Reporting Act. 

As a result, I am charged a monthly fee while the investigations are still legally ongoing and unresolved. At the time of billing, no investigation results have been received, no outcomes have been delivered, and no consumer-verifiable results exist. The service for which I am billed is therefore incomplete at the time the fee is charged. 

This practice effectively constitutes the collection of a fee before services are fully rendered. 

The CFPB has previously addressed this issue in its enforcement action against XXXX XXXX / XXXX, where the Bureau and the federal court rejected the argument that preparatory or administrative work ( such as submitting disputes or awaiting bureau responses ) constitutes completion of credit repair services. In that case, the CFPB determined that charging consumers before results were achieved violated federal consumer protection laws, regardless of how the fees were labeled ( e.g., monthly or service fees ). 

In my case, Credit Saints billing cycle overlaps unresolved investigations, meaning consumers are charged while legally required investigations are still pending and before the consumer can assess whether any service outcome has been achieved. 

This practice leaves consumers without transparency, without results, and without the ability to verify that services have been completed before payment is taken. 

I respectfully request that the CFPB review Credit Saints billing practices for compliance with federal consumer protection standards and require appropriate remediation, including refunds of fees charged during periods when investigations were still ongoing. 

Credit Saint charged me {$99.00} before investigations were completed. Then attempted another charge after 30 days, again before the investigation process was completed, which appears inconsistent with the Credit Repair Organizations Act ( CROA ) and CFPB guidance prohibiting advance fees prior to the completion of promised services. 

I have since disputed the charge with my credit card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Ok so I created a cash app account and I try to order my card and I got to end fir it to finalize and send but I receive an error message I have tried everything that they have asked me to do nothing has been successful and I still cant order a card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am filing a complaint against Lendmark Financial Services for excessive and harassing debt collection calls. 
Between XX/XX/XXXX and XX/XX/XXXX, I received approximately 19 phone calls from Lendmark regarding the same debt, including 11 voicemails. Calls often occurred multiple times in the same day. 
The call activity is as follows : XX/XX/XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  ( voicemail left ). I also made a promise to pay and a partial payment on this date.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( voicemails left at XXXXXXXX XXXX  and XXXX XXXX  ) XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX ( voicemails left both times ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( voicemail left at XXXX XXXX  ) XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( voicemails left at XXXX XXXX XXXX XXXX, and XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( voicemails left at XXXXXXXX XXXX  and XXXX XXXX  ) Despite my promise to pay and partial payment on XX/XX/XXXX for {$120.00} the calls continued at a high frequency. As of today XX/XX/XXXX a payment was made on the XXXX in the amount of XXXX. 
These repeated calls and voicemails are causing me significant distress and are negatively impacting my mental health. I believe this pattern of communication is excessive and harassing and violates the Fair Debt Collection Practices Act ( FDCPA ) and the CFPBs rules regarding repeated or continuous calls.

I am requesting that Lendmark stop calling me and only communicate with me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I disputed a USD XXXX credit card charge with U.S. Bank related to a duplicate or erroneous transaction processed by a hotel in XXXX. The dispute was initially accepted, and a provisional credit was issued on XX/XX/XXXX. 

On XX/XX/XXXX, U.S. Bank informed me that the dispute was denied and the provisional credit was reversed, stating there was insufficient evidence of returned merchandise, even though my dispute was never based on a return, cancellation, or refund, but on a duplicate/erroneous charge. 

On XX/XX/XXXX, I visited a U.S. Bank branch and met with a relationship consultant, who contacted customer service on my behalf. During that call, U.S. Bank customer service stated that my dispute would be reopened. However, as of today, the dispute has not been reinstated, no new case appears in my account, and no provisional credit or written confirmation has been provided. 

I requested clarification and documentation explaining why the dispute was closed after I was told it would be reopened, whether the dispute was formally reinstated, and the current status of the case. U.S. Bank has not provided this information or resolved the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
kickoff lending XXXX is reporting a balance of {$240.00} which i do not owe address and information is out dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
I am disputing the {$75.00} annual fee and the servicing of my XXXX payment as a billing error. I made a timely payment, received confirmation, and was not provided timely notice of any failure. I am requesting removal of the annual fee and correction of the account. I have attached and uploaded my statements, showing these facts along with the screenshot of showing that the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NH

Complaint narrative:
I am filing a formal complaint regarding an unfair and improper handling of my card transaction dispute. 

On XX/XX/XXXX, a charge of {$920.00} was posted to my account by a merchant named XXXX. This transaction was unauthorized/ disputed, and I promptly filed a dispute with my financial institution on XX/XX/XXXX. 

Despite providing the dispute in good faith and within the required timeframe, my dispute ( Dispute # XXXX ) was denied on XX/XX/XXXX without a clear explanation, supporting evidence, or proof that the charge was validly authorized by me. I was only told to check my email, but no meaningful justification or documentation was provided. 

Additionally, the same {$920.00} amount was later taken from my secured account as a card payment, effectively forcing me to cover a charge that I had already disputed and that remains unresolved. This has caused financial harm, confusion, and distress. 

I believe the financial institution failed to : Conduct a reasonable investigation as required under the Fair Credit Billing Act ( XXXX ) Provide evidence that the transaction was authorized Properly protect me from liability while the dispute was under review Clearly communicate the basis for denying the dispute The denial appears arbitrary and unjustified, and I strongly believe my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Yes I submitted a dispute to Equifax regarding a collection that has been removed from my XXXX  and XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/year> Jefferson Capital Systems LLC duplicate my collection accounts of {$340.00}, {$1200.00} and {$2700.00} to my XXXX XXXX credit and damaged my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding my Cash App account, which was suspended and ultimately closed without clear explanation. I am XXXX XXXX XXXX and have never violated Cash Apps Terms of Service. Despite appealing multiple times, Cash App has refused to provide details about the alleged violation or allow me to prove my account activity was legitimate. 

My account was primarily used for small, personal transactions with friends and family, including receiving a {$30.00} gift from my aunt for my XXXX XXXX graduation which was the last time a transaction occurred on my account which was XX/XX/year>. Most of my transactions were minor and essential for communication and support among family and friends, especially as a college student who occasionally needs unexpected financial help. 

The timeline of my attempts to resolve this issue is as follows : Account suspended : XX/XX/year> First official response from Cash App Support : XX/XX/year>, stating my account violated their Terms of Service, without specifying which activity was in violation. 
Follow-up inquiries : I requested clarification to prove my innocence, but responses were generic, repetitive, and unhelpful. 
XXXX escalation : Received a message from a XXXX indicating a review would occur, but I never received a follow-up. 

Despite repeated attempts through multiple channels, including email, appeals, and social media, I have been unable to get a resolution. Customer support has been largely automated, and I have not been given an opportunity to provide evidence of legitimate use. 

This closure has caused significant inconvenience, as Cash App is widely used among my family and friends, and alternative methods for transferring money are limited. The lack of transparency, accountability, and proper support is unfair and harmful, especially given my age and reliance on the platform for personal financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital systems XXXX is reporting the same debt XXXX onto my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
In early XXXX I created an account with XXXX. I was able to deposit money with no issue and sign up for a premium plan with no issue. Within the next day my funds had been completely frozen. I have been told for XXXX months now that I am under going a standard security check. However, no one is able to tell me what is being checked or if I can provide other documents to speed this along. In fact, XXXX of their representatives told me there is absolutely nothing I can do, including turning over documents such as XXXX statements as proof of identity. 

Please bear in mind, XXXX has had absolutely no problem withdrawing money from my account to pay for the metal plan. 

I am given nothing but boiler plate responses telling me that I can not access my funds due to a " standard review '' and that they will get in touch with me. 

In late XXXX, a comaplints analyst did respond and awarded me {$100.00} as compensation. However, nothing has been done to fix the issue as my funds remain frozen and there has been no response to numerous follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have XXXX closed JP Morgan Chase credit card accounts ending XXXX and XXXX that Chase continues to report as late every month even though I have been denied any valid way to make payments. 
I have repeatedly contacted Chase to resolve this, but representatives have failed to provide an option to pay. On my last call, I was routed to the fraud department, where an agent XXXX stated they could not accept or process payment on my account. I was then transferred back and forth between department without resolution. This pattern continues with both accounts. 
Despite my multiple good faith payment attempts, Chase continues to report these accounts as delinquent, damaging my credit unfairly. Additionally XXXX representative spoke to me in a rude and dismissive manner, which I found unprofessional and distressing especially representing the XXXX office. 

She was the person from my BBB complaint # XXXX, her approach was very unprofessional, defame my character and provided no resolution. Chase has not corrected these problems. I am requesting that Chase immediately provide a working method to make payments, remove or correct all inaccurate late payment report, and ensure future statements are handled properly under the Fair Credit Billing Act and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Requesting assistance with customer service, branch escalations team, XXXX department, credit card services, and rewards department are presenting multiple challenges, because they are unaware of their own problems. It requires a lot of patience to work with them and explain their issues. Then its about convincing them to solve their own problem and finding a method or tool that that suits them, like something they can easily adopt and turn into a habit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
XX/XX/year>. I have over the past month tired to close my account with a vertual bank called Current bank which is primarily a phone application accounting, and FDIC backed by a Bank called XXXX Bank. They keep sending me an email saying that they have received my request to cancel my desire to close my account. The chat function is very slow and is offshore and it is impossible to get a real human on the phone to speak with. This institution promises credit building, but the way they do it is that you direct deposit your money and then they make a fake loan from it as you spend money and at the end of the month they report the spending as a loan and XXXX it out. Which is not helpful for credit building for it is creating a high borrowing ratio which makes the customer 's XXXX XXXX go down drastically.

Company response to consumer: Closed with monetary relief