vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am currently in the process of completing a short sale with U.S. Bank, and I am experiencing repeated issues with document handling and lack of communication that are now putting an active buyer contract at risk. My realtor and I have submitted all requested documents multiple times and have confirmation that these documents were received. Despite this, my short sale file has been repeatedly marked as incomplete and most recently removed due to missing documents that were already submitted and acknowledged. The only way I have been able to receive updates on my file is by repeatedly calling customer service. During my most recent call, an escalation team member informed me that all documents had been received and that my file was in review status, and that I simply needed to wait for processing. However, without any notification or explanation, the file has now been removed again for missing documentation that we know was previously submitted. This ongoing issue demonstrates a failure in internal document tracking and communication. This situation has now been ongoing for approximately 30 days, and I currently have an active purchase offer that is at risk of falling through due to these delays and errors. I have made multiple good faith attempts to resolve this issue directly with the company, but have not received consistent or reliable assistance. I am requesting immediate escalation, reinstatement of my short sale file, confirmation of all required documents, and assignment of a consistent point of contact to prevent further errors

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a formal complaint regarding Navy Federal Credit Unions denial of my fraud claim totaling {$160.00}, involving transactions posted on XXXX XXXX, 2026. On XXXX XXXX, 2026, my wife and I personally used our debit card only at the following locations : XXXX XXXX XXXX XXXX stores inside the mall ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) We did not visit or authorize any transactions at the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the morning of XXXX XXXX, 2026, we received a fraud alert regarding suspicious charges. Upon reviewing our account, we immediately identified multiple unauthorized transactions and promptly reported them to Navy Federal. Despite this, our fraud claim was denied with the statement : " Our information contradicts your claim of unauthorized activity. '' However, Navy Federal has not provided any evidence or documentation supporting this conclusion. Key Issues : Unauthorized Transactions We did not visit or authorize purchases at the listed merchants. Prompt Reporting We reported the fraud immediately upon discovery. Lack of Transparency No documentation or explanation has been provided to justify the denial. Potential Card Compromise These charges strongly suggest that our card information was stolen or skimmed. Request for Resolution :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
My federal student loans were discharged under XXXX XXXX on XXXX XXXX, 2023. I received written confirmation that my balance was {$0.00} and that I no longer owed any amount. After discharge, I received a refund of {$5500.00}. The servicer later admitted in writing on XXXX XXXX, 2024 that they mistakenly issued a duplicate refund due to their own internal error discovered during an audit. This error was caused solely by the servicer. Despite this, the servicer reinstated a loan balance of approximately {$5500.00} and is now treating it as a valid loan obligation. They are sending delinquency notices, claiming missed payments, and threatening credit reporting and collections. I have requested validation and legal justification for this action, including proof of Department of Education authorization to reinstate a discharged loan. The servicer has not provided this and continues to treat the balance as legitimate. This is inaccurate and misleading account handling. The alleged balance is not the result of a loan obligation but of a servicer error. The servicers own written response confirms the balance was reinstated due to their internal duplicate refund error, not due to any new loan obligation or authorization from the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX2026 I discovered that my Truist account was blocked. When I called Truist and talked with a fraud analyst he ( XXXX ) asked lots of question to validate that I owned the qaccount which I understand. However, to one of my responses XXXX said " You are lying XXXX XXXX..... which I was not. He said my account would be blocked and that I could not have access to my funds for XXXX days. He also said that I could not open accounts with Truist ever again. He was pretty mean and belligerent. I have been with Truist for 30 years. It was originally XXXX XXXX and then Suntrust until Truist bought Suntrust. 30 years. I spent 4 hours on the phone with them on the XXXX and 4 hours again today, the XXXX. One of the reps suggested I go to my bank. I did and had a wonderful representative who did all he could to help me and try to escalate resolution. But I have not gotten anywhere with a resolution yet. When XXXX was with my Truist rep on speaker phone, he mentioned that I had lied to him, once again. I have bills to pay via Truist and this simply doesn't seem fair. Now I'm calling my creditors to request leniency for the late payments they will eventually receive. I am setting up accounts in a different bank now.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am writing to formally request a reinvestigation of my previously denied fraud dispute. I believe the determination that these transactions were authorized is incorrect, as I was the victim of an impersonation scam. Between XX/XX/year> and XX/XX/year>, I received multiple fraud alerts on my account. The first alert was for a {$500.00} transaction, which I declined. This was followed by additional unauthorized transactions of {$1000.00} and {$2500.00}. I did not authorize any of these transactions. After the final alert, I was contacted by an individual posing as Frost Banks fraud department. I was sent a link that appeared legitimate and was instructed to send funds via XXXX in order to stop or reverse the fraudulent activity. Believing I was working directly with the bank, I followed these instructions under false pretenses. At the same time, I was actively attempting to verify the situation by going to a branch location. I later learned that I had been deceived by a scammer. Under the Electronic Fund Transfer Act and Regulation E, transactions made under fraud, impersonation, and deception should not be considered authorized, as there was no informed or genuine consent. I also took reasonable steps to protect my account, including declining fraud alerts and attempting to verify the activity. Given these circumstances, I respectfully request that this claim be reinvestigated and that the transactions be properly classified as unauthorized. I am seeking full reimbursement of the disputed funds. Please provide written confirmation of this reinvestigation and the outcome. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau and other regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase removed funds {$540.00} from my account without notifying me, which immediately put my account into a negative balance. When I called to resolve the issue, I was not allowed to speak with a supervisor given it had been twice I had questions, I had call back requesting a supervisor to ask why I wasn't contacted before they took the money out of my account and why on hold was disconnected, then in calling yet again was denied a supervisor all together. Now I'm reminded that these calls are all recorded on every call so I know they'll have record of it which will be good. The dispute was decided using information the merchant had only because I had been working with them to set up an online storenot because I authorized the charge that was processed on XX/XX/XXXX. Chase did not consider this context, so the evidence was mishandled. Because of this reversal, I am now overdrawn and unable to cover basic expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
us bank charged me a XXXX $ wire transfer fee to fund my savings account. this fee was not disclosed by the bank upon initiating the transfer and is predatory in nature especially to put money into the account. the sending wire bank ( XXXX XXXX ) did not charge a fee. I asked the the fee be reversed as a one time courtesy to the account.

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 2026-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Turning Point Solutions LLC
State: NJ

Complaint narrative:
Advanced capital solutions has reached out and harassed my family members and employer about my whereabouts for debt. This is not legal and it needs to stop. I have a payment plan set up there is no need for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had a Venmo checking account for a few years. On the XXXX of XX/XX/year>2026 I filed numerous disputes against a company called XXXX XXXX located in XXXX for numerous items that were neither shipped to me nor received. Upon filing the claims I was advised that if the disputes took longer than XXXX business days to resolve I would receive provisional credit in the meantime. I was advised of this by XXXX separate representatives of Venmo and all of the calls were recorded. It has now been XXXX business days and i have provided them with all of the information they requested as well as the tracking number provided by the company showing it was delivered to a completely different person at an address that isnt mine. They are now refusing to provide the provisional credit even though Reg E states that after XXXX business days they have to and XXXX of their own representatives told me as well. I am asking that they follow the law and release my provisional credit as well as resolve the disputes in a timely manner as this company stole thousands of dollars from me and now Im in debt. Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint : I am filing a formal complaint regarding inaccurate and unverified reporting on my credit file. The account listed as Capital One with a balance of {$330.00} is being reported without proper verification and violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation Additionally, if this account resulted from identity theft, it must be blocked under 15 U.S.C. 1681c-2. I have disputed this account directly with the credit bureaus, yet it continues to be reported without sufficient documentation. Resolution Requested : Immediate deletion of this account Written confirmation of removal Full documentation supporting verification if not deleted Failure to comply will result in escalation including legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
My account has been locked out. Many other customers are having this issue. I was asked to provide my ID and proof of identity and did so in XXXX. Following up multiple times, I received no response from support. I opened a new case but was told to follow up in the original case. Finally, I just filed a complaint, but was given a new case number to supply the same information that was supplied in XXXX. I feel like my case is being slow walked, the same way others have experienced. I would like to get access to my account to withdraw my funds. Case numbers are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My property was in foreclosure. I requested a loan modification and was not able to afford the payments as I am going through a divorce. So to avoid foreclosure I decided to sale the house. I informed Shellpoint of my plans to sale so they granted me a postponement twice in order to close. In XXXX I was able to secure a {$600000.00} offer. Shellpoint sent an appraiser out and the value came back at {$570000.00}. The lender continued to delay and not accept the {$600000.00} offer even through it was above the XXXX they received. As a result of the lenders delay the buyer cancelled. So I went back two market and was able to secure a second buyer at the same price. Shellpoint did another appraisal and it came back at {$590000.00} ( attached ). Shellpoint continued to delay their reply as well as provide inconsistent information through the entire process. The lender requested the same information multiple times however, never made a determination after being in escrow from XX/XX/XXXX - XX/XX/XXXX and three offers later. There is no reason the bank should be allowed to stall a sale in order to foreclosure. I was responsive and participated in avoiding foreclosure however, the lender did everything to still foreclosure.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Formal Complaint Discover Bank Case # XXXX Failure of FCBA Compliance and Procedural Unfairness I am filing this formal complaint against Discover Bank for violating my rights under the Fair Credit Billing Act ( FCBA ) and for unfair procedural practices regarding a {$2800.00} transaction with XXXX XXXX. 1. Background of the Dispute On XXXX XXXX, 2025, I purchased tickets for my parents who are XXXX citizens ( XXXX to XXXX via XXXX ). On XXXX XXXX, 2026, they were denied boarding because the airline failed to disclose a specific, mandatory entry permit required for XXXX citizens on this specific routing. I initiated a dispute for " Services Not Rendered '' on XXXX XXXX, XXXX as I did not get any refund from XXXX XXXX. 2. Procedural Irregularity and " Indefinite '' Merchant Timeline On XXXX XXXX, 2026, Discover ruled this case in my favor, as the merchant had failed to provide valid proof within the required time frame. However, on XXXX XXXX, 2026, Discover reversed this ruling. Despite the initial closure, Discover allowed the merchant an effectively indefinite window to submit a late rebuttal weeks after the case was " resolved. '' This creates an asymmetric and predatory environment where : The consumer is held to strict XXXX filing deadlines. The merchant is granted unlimited extensions to bypass their own failure to respond timely. The bank reverses the ruling without providing the consumer an opportunity to cross-examine the merchant 's new, late evidence. XXXX. Misapplication of the Law In their XX/XX/XXXX correspondence, Discover stated the " transaction is valid. '' This is a legal error. Under the FCBA, a transaction is not " valid '' if the service was not delivered as agreed. XXXX XXXX sold a " dead-on-arrival '' contract by failing to disclose a material regulatory barrier unique to the transit route they marketed. Discover has ignored the airline 's " Duty of Care '' and " Failure of Disclosure '' in favor of the merchant 's late-filed rebuttal. XXXX. Desired Resolution I request that the CFPB compel Discover Bank to reinstate the XX/XX/XXXX ruling as the final and correct determination for a full credit of {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: VA

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with Jefferson capital Systems LLC XXXX They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Yes I contacted my bank about my wallet being stolen and my bank card being used with my permission and I filed the claim for XXXX on XXXX XXXX 2026 and have not gotten any replies back about the status of the claim the bank keep saying it is in review for 5 business days now and nobody from my bank has updated me at all and I have not XXXX received any credit on my account for the money that was spent that I didn't allow to happen I have been told numerous times from my bank that different dates I would receive my credit back into my account but how would this be possible if nobody 's taking a look at My dispute claim from my bank I just want my stolen funds return to me that's all I wanted can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted my credit card company, XXXX, after noticing a balance consisting of interest fees. I explained that I had not made any purchases with the card in the past XXXX months. They informed me that the charges were interest fees related to an insurance company account that I was not aware of. Despite my explanation and the fact that I have not missed any payments, including one made in XXXX, they stated they could not reverse the charges. Additionally, I had previously called to cancel my card entirely, but that request was not processed. Today, I attempted to contact the insurance company three separate times ; however, due to technical difficulties on their end, I was unable to reach anyone. I am very disappointed with XXXX, as I have been a member for at least five years. It is frustrating to experience what feels like unexpected policy changes and the addition of fees that I was not clearly informed about. At the end of my 30 minute conversation with XXXX the did dispute {$9.00} but still I had a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint to dispute the alleged rental debt being reported and/or collected in my name. The account related to XXXX XXXX XXXX XXXX and reported by PROCOLLECT INC. / XXXX for approximately {$9000.00} does not belong to me, I do not recognize it as a valid debt, and I request full proof of its origin, including the lease agreement, account statements, payment history, exact delinquency dates, and any signed documents showing that I am legally responsible for this obligation. I also dispute the accuracy and validity of the information being reported to the credit bureaus. I request a full investigation of this account, and if it can not be properly verified with sufficient and valid documentation, I request that it be removed from my credit file immediately. I further request that all collection activity on this account stop until the investigation is completed and that I be provided with the results in writing, along with copies of all documents used to validate this debt. I am formally disputing this account because I believe it is incorrect and/or not attributable to me. Sincerely, XXXX XXXX fair resolution would be a full investigation of this account and written proof that I am legally responsible for the alleged debt. If the company can not provide a signed lease, full account history, itemized charges, payment records, and documents showing that this debt belongs to me, I want the account deleted from all credit bureaus and all collection activity stopped immediately. I also want written confirmation of the results of the investigation.

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