vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding the handling of CFPB case XXXX XXXX involving Bank of America. XXXX. Subject Institution, Bank of America. XXXX. Summary of Issue, I filed a complaint through the Consumer Financial Protection Bureau regarding account related concerns and requested a clear written resolution supported by specific findings. In response, I received only a generic regulatory complaints acknowledgment and contact message rather than a substantive resolution addressing the actual complaint issues. The message referenced two different representatives, including XXXX XXXX and XXXX XXXX, creating confusion regarding who is assigned as the resolution specialist for this case. The response did not include any findings, determinations, corrective actions, or explanation of the underlying complaint matters submitted through the CFPB process. XXXX. Communication Received, The only communication provided stated that a resolution specialist would contact me and that responses may be delivered by phone, secured email, or mail. The message included contact information for a resolution specialist and a regulatory complaints department, but no substantive response to the complaint itself was provided. The message also included reference code XXXX XXXXXXXX. XXXX. Issues Identified, Failure to provide a substantive written response addressing the CFPB complaint issues. Lack of clarity regarding assigned resolution specialist and conflicting contact information. Failure to provide findings, explanation, or corrective action related to the complaint. Procedural response only, without resolution of the underlying consumer complaint.

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 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This account is being reported with discrepancies across multiple consumer reporting agencies, including inconsistencies in payment history, reporting periods, balance information, and account details. I requested verification and investigation under FCRA 611 and 623, including documentation supporting the balance, joint responsibility, and XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I noticed a collection account that contain inaccuracies and lack proper verification under the FCRA and FDCPA. SUNRISE CREDIT SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$530.00} ). I dispute the validity and accuracy of this entire balance. I do not have a contractual agreement with Sunrise Credit Service, and I challenge their legal right to collect or report this specific amount. Under the Fair Credit Reporting Act, a credit reporting agency must delete information that can not be verified. I demand that this collection agency provides the original signed contracts, complete billing histories, and legal proof of assignment or purchase for this debt. If they fail to provide complete verification within the legally mandated timeframe, these inaccurate and unverified items must be permanently removed from my credit file immediately.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
After only having said vehicle in my possession, about 3-4 months of having the vehicle it started having problems so i got them checked out and it wasnt anything major. I stopped driving said vehicle. I contacted the dealership of where I purchased said vehicle ( XXXX XXXX XXXX XXXX ) told him about what was going on and he insisted that i pay him the amount of {$20.00} to come and put a car scanner on it to troubleshoot the problem. i already told him what the problem was ( transmission went out ) because the car would no longer move when you put into any gear and had a mechanic come to check it out.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please refer earlier complaint nos as follows : XXXX XXXX XXXX XXXX This refers my earlier complaint number for claim refunds for XXXX USD which i lost in the mutilayer scam took place in XX/XX/XXXX. Since then i have been following up with Bank of America Fraud/ scam claim department as a victim. I lost total XXXX USD in the scam. I have informed to Bank of America many times, the scammer has received the above money by producing the fake cheques. The Bank of America has failed to detect the fake cheques, hence BOA is responsible to pay my losses. Due to BOA has reported me XXXX XXXX and XXXX XXXX XXXX i could not open any accounts in the last two years from XXXX to XXXX XXXX, one side i am the victim and other side very horrible situations i faced. I request BOA to consider my claim and do the needful at the earliest possible. I was the loyal customer for 11 years. from XXXX to XXXX XXXX Its very unfortunate situation took place from XX/XX/XXXX to XX/XX/XXXX where in the scammer scammed all my savings of approx. XXXX ( XXXX from Bank of America via fake cheques and rest from XXXX XXXX, Gift Cards such as XXXX, XXXX and XXXX gift cards ). Please consider my claim quickly and help me or else i may have to sue the BOA. Your earliest action will be appreciated. I will provide any supporting evidences of scammer chats and any other evidences bank slips, receipts, fake cheques etc.

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 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXXXXXX XXXX XXXX. They offered to give me a partial rent credit if I decided to cancel my lease termination. I wasn't able to do so, and stated as such since I had already relocated. I asked if I would have time to make the final payment, since My payday was a week after the end on my lease or when I would turn in keys on XX/XX/XXXX. The apartment manager said she would give me 30 days to make the final payment before sending my account to collections. I Mailed my keys and they received them on XX/XX/XXXX. I received a collection notice the following week, the day i tried to make my payment online. I called their office to ask what happened. They told me that a payment needed to be made by certified funds. I asked why my account was sent to collections and they leasing agent said she would ask the manager when she returned on one day. I called multiple times to speak to the manager over the course of two weeks, she was never available or in the office, nor did she make an attempt to return my call and help resolve the issue. I spoke to the collection Agency, IQ Data XXXXXXXX. They were rude and told me to get a lawyer when I asked if they could give me 1 day. One single day to research personal loan companies so I could transfer my debt. When i asked what would happen if I waited a day, since the 1 hour they were providing interfered with my work schedule, they insisted that I call them back in a hour or they'd take " further action '' I asked for them to explain what " further action meant, I even provided examples " does that mean interest will be added, the account would be transfer ...? '' they said they couldn't tell me that information and that most people get a lawyer involved, and I should consider doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am writing to formally request an explanation regarding Wells Fargos decision to abruptly terminate my safe deposit box account. I have been a Wells Fargo customer since the XXXX and have maintained this safe deposit box for over 30 years without any issues, complaints, or violations of any bank policies or agreements. Recently, we added my son and daughter as authorized individuals on the account, and only a few weeks later we received a notice stating that the safe deposit box account would be closed, without any explanation or stated cause. Given the longstanding history of this account and my decades-long relationship with Wells Fargo , I find this sudden action both concerning and confusing. To my knowledge, there has been no misconduct, breach of agreement, or other circumstance that would justify such an abrupt termination. I would appreciate a written explanation outlining : * The specific reason for the closure decision ; * Whether the addition of authorized names to the account prompted this action; * Any applicable policy, compliance requirement, or contractual provision Wells Fargo is relying upon in making this decision. After more than three decades as a loyal customer in good standing, I believe I am entitled to a clear and transparent explanation regarding this matter. I look forward to your prompt response. Sincerely, 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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
They contacted me on XX/XX/XXXX to confirm that my balance transfers were not fraudulent. I have proof that I answered the call. They also said that they called a phone number on my account that just kept ringing and its not my phone number and so they called a phone number not on my account. I called XX/XX/XXXX to the fraud department to confirm that the balance transfers were my balance transfers the gentleman confirmed my identity said that he cleared the fraud alert, and that all of the balance transfers would go through and I needed to do nothing further. I messaged them via chat on the XXXX and they said theres nothing that they can do that. I needed to call for an account specialist to get them cleared. At this point 2 out of five of the balance transfers pending have disappeared. I said I want a manager call back got off the chat. I spoke with someone in account specialist on XX/XX/XXXX. Explained to my situation that theres been multiple issues and they said that theres nothing that they can do for me because all of balance transfers have been canceled and that now the balance transfer has expired, so its not any longer available on my account. The manager called me back again on XX/XX/XXXX and said there is nothing that they can do even though there has been multiple attempts for me to contact them and I have proof Ive contacted them and then I was told that this was all resolved. This manager said that they called a number on my account that is not my phone number and that it just rang. But I also have proof that I answered a call from them on XX/XX/XXXX. She contacted the fraud department/ security department and they cant do anything.

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Although XXXX clarified that the underlying XXXX XXXX account originated in XXXX and charged off in XXXX, the collection tradeline continues to display a Date Opened of XX/XX/XXXX. This reporting materially misrepresents the age and recency of the debt and makes the account appear newer than the underlying delinquency. In addition, collection activity involved both Absolute Resolutions Investments LLC and XXXX XXXX XXXX, yet the reporting and disclosures surrounding the account history and furnishing activity remain inconsistent and confusing. I am requesting correction or deletion of the tradeline to ensure accurate and non-misleading reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Account / Case Reference : Executive Case # XXXX Property & Loan Type : XXXX XXXXXXXX XXXX Portfolio Loan ( Transitioned to Chase ) subject to an FDIC Shared-Loss Agreement. Contractual Interest Rate : 2.1 % on a 15-year term. Description of Problem : > Chase is engaging in predatory loss mitigation practices and violating CFPB Regulation X waterfall requirements. I am facing a temporary transition delinquency of {$13000.00}. I have repeatedly offered a substantial good-faith partial reinstatement of {$6700.00} total ( {$1300.00} is currently sitting in a Chase unapplied funds account, and {$5400.00} is liquid and ready to wire immediately ). Instead of evaluating my portfolio loan for a Payment Deferral of the remaining {$7000.00} to preserve my original contractual rate and termwhich is the standard 'prudent banking practice ' required under the FDIC Shared-Loss AgreementChase is refusing a portfolio exception. Instead, they are forcing a predatory 44-year modification that more than triples my interest rate to 6.8 %. This modification drastically increases the bank 's long-term default risk and acts as interest-rate gouging on a transitioned XXXX XXXX asset. Chase phone representatives have issued a verbal denial of the deferral and stated this predatory modification is a 'final offer ' while simultaneously threatening foreclosure ( Dual-Tracking ). Requested Resolution : > I request that Chases Executive Office issue a manual Portfolio Exception to accept my {$6700.00} partial reinstatement and execute a Payment Deferral for the remaining {$7000.00} balance, keeping my contractually agreed 2.1 % rate and original term intact. I also demand a formal, written Statement of Denial detailing the specific investor guidelines that allegedly prohibit a deferral on this portfolio asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I incorporate CFPB complaint XXXX herein. ( 1 ) I purchased coffee and food from XXXX in XXXX for {$10.00} of XXXX XXXX XXXX XXXX charged me in USD instead of the local currency without my explicit permission or agreement. This added a currency conversion overhead to my bill. ( 2 ) I filed a dispute with Barclays. Barclays denied it, but didn't send any correspondence on why it was denied. Barclays has NEVER sent any correspondence about dispute denials in the last 2 years. This way, consumers can not appeal it, and Barclays always wins. ( 3 ) I filed CFPB complaint XXXX. ( 4 ) Barclays responded after 2 months with the following about why the dispute was denied : " We were not provided with a detailed description of what you were to receive. '' ( 5 ) Barclays, its presidential bot XXXX, and the XXXX in the Dispute Department do NOT know that XXXX is an XXXX XXXX XXXX XXXX, and that's what I was to receive. I wasn't ordering a business-class ticket to XXXX or XXXX, XXXX XXXX XXXXuit for the Barclays presidential bot, XXXX. ( 6 ) Barclays is operating fraudulently and is defrauding unsuspecting American Consumers in broad daylight. This company should be delicensed and heavily sanctioned. ( 7 ) Why is Barclays sending all correspondence by electronic means but never the Denial of Dispute reasons by electronic means? So it can defraud consumers. ( 8 ) Barclays is a snake oil salesman selling garbage to American Consumers and is worthy of exceptional fines and sanctions. ( 9 ) Please send this to FTC also. Thanks.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: WA

Complaint narrative:
My current auto loan unexpectedly now reflects as paid in full/closed, despite me not authorizing any payoff, refinance, transfer, reassignment, or closure of the loan. This is an active financing for my current vehicle. I have attempted to contact the lender and have requested written clarification, including : payoff date payoff amount identity of the party who remitted payoff funds whether the lien was released whether the loan was transferred, reassigned, refinanced, or otherwise closed whether another creditor now claims an interest in the vehicle. I have not received clear explanation. This issue is particularly urgent because there are already ongoing title/registration concerns involving the dealer that sold the vehicle, and I need immediate confirmation regarding ownership, lien status , and whether any unauthorized financing action occurred. I am requesting : written explanation for the account closure/payoff identification of any party responsible for payoff confirmation of lien status confirmation whether any replacement financing exists correction of any inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Account Login : XXXX Paypal has permanently blocked my account and is preventing me form accessing the {$1100.00}. Their explanation was really vague, and they said it was due to fraudulent activity during the phone. However, the account DOES belong to me for which I proved via camera authorization, ID and phone number. This occured back in the end of XXXX. They said that they'd hold on to the funds for 6 months before releasing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: IN

Complaint narrative:
Aes says I owe due to a bill in XXXX and XXXX when I have not had AES in like 11 years XXXX XXXX says I owe XXXX when I have never have XXXX XXXX I've been with XXXX forever XXXX says I owe for missing a payment when in fact they clothes my account years ago and never made contact XXXX XXXX has been bothering me forever I definitely do not owe them anything I'm not sure who they are but I do believe my old roommate may have done this XXXX XXXX XXXX. XXXX says I owe XXXX I pad some I owe XXXX I feel I should not pay they said they have my signature but I'm sure they are lying

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I filed a police report and I did not in any way authorize these fraudulent transactions. SoFi declined the first dispute. But, in no way did they investigate. I was in the hospital for 3 months. And in no way did I authorize these transactions XXXX XXXX {$400.00} XXXX {$99.00} ( I do not XXXX ) XXXX {$590.00} XXXX {$180.00} ( I do not know what this is ) And ACCESS INMATE PACKAGE {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CA

Complaint narrative:
On XX/XX/year>, I used PayPal XXXX XXXX XXXX to purchase an event wristband for approximately {$830.00}. The seller failed to provide valid shipment, and the tracking number never showed a USPS acceptance scan. I also later discovered that the receipt provided by the seller appeared to be altered or fraudulent. Due to this, I opened a dispute with PayPal. While this dispute was ongoing, PayPal permanently limited my account, stating that fraudulent activity was detected due to a change in my money movement patterns. However, all transactions on my account were authorized and conducted by me. I have not engaged in any fraudulent activity. PayPals notice states only that my activity did not follow their policies but does not identify any specific transaction or provide details I can respond to. PayPal did not provide specific details about what activity was flagged or offer any opportunity to verify my identity or appeal the decision. I contacted PayPal customer service to request clarification, appeal options, and guidance on restoring my account. PayPal stated that the decision was final but did not provide specific details about what activity was flagged or allow me to verify my identity or appeal the decision. As a result of this limitation, I have lost access to my account and PayPal has indicated that funds may be held for up to 120 days. In addition, I had an active dispute for {$830.00} involving a potentially fraudulent seller at the time my account was restricted, and I am concerned that this limitation may interfere with the fair resolution of that dispute. I believe PayPals actions are unjustified because they restricted my account without providing sufficient explanation or an opportunity to correct or verify the activity. This has created financial risk and uncertainty regarding my funds and the outcome of my dispute. I am requesting that PayPal review and reverse the account limitation, restore my account access, and ensure that my dispute and funds are handled fairly and without unnecessary delay.

Company response to consumer: Closed with monetary relief