vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened up a business account XXXX XXXX XXXX XXXX XXXX ) with Bank of America in XX/XX/year> and the nature of my business is that I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX we had a large wire deposit from frontier title group for a closing that took place regarding a property that we sold and the account was perfectly fine. We then recently had another closing for $ XXXX from the SAME title company and according to the bank they are stating that the last wire was fraud or appears to be fraud. They didnt send any notification or warning regarding the account. So with that being said they decided to close the account and are refusing to release our funds. The account has over {$50000.00} in it and it is causing a huge hardship on not only my business but heaXXXX XXXX XXXX XXXX XXXX XXXX and need my funds to go through every day life. Ive expressed to this to branch and XXXX department and nothing seems to be working. They are claiming that the account will be closed on XX/XX/XXXX and can not wait till then to receive my money that Ive worked hard for. Please resolve this! Thank you.

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 2026-06-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing a formal federal escalation complaint against Synchrony Bank regarding an active dispute on my Ashley Furniture account, which Synchrony abruptly denied on XX/XX/year>, without reviewing the critical evidence. I explicitly detailed to the sales associates before purchase that my home has a platform bed frame. The sales team engaged in direct verbal misrepresentation to secure an XXXX dollar financing contract by guaranteeing that the XXXX XXXX and motorized adjustable base would be fully compatible with my platform setup. Upon delivery, the merchandise caused a severe physical height conflict. Because the motorized base must sit directly on top of the platform frame, it pushes the entire bed dangerously high into the air. XXXX XXXX has since admitted in writing in our closed XXXX file ( Case XXXX ) that this motorized base has an active conflict with its intended use and can not be modified to fit the frame properly. Furthermore, their corporate policy enforces a predatory store-credit trap that refuses to refund financed funds if a consumer downsizes to a standard mattress. This extreme height conflict has turned the bedroom into an active safety hazard, forcing dangerous jumping to enter and exit the bed, which has caused severe physical injury, including an acute upper back muscle pull and intense distress to an arthritic hip. This delivery was formally rejected via email within 70 hours of drop-off, perfectly meeting the federal notification window. Synchrony Bank has failed to protect the consumer from a predatory financing contract based on sales fraud and physically unusable merchandise. I request a senior executive review and a permanent charge reversal.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding information being reported by Bank of America to ChexSystems that I believe is inaccurate, misleading, or not properly substantiated. On or around XX/XX/year>, my account with Bank of America was closed and later reported with a charge-off amount of {$1000.00}. Along with this, the account has been labeled with a suspected fraud designation. Since that time, I have taken the following actions : I disputed this information with ChexSystems on multiple occasions Each dispute was returned as verified accurate by financial institution I recently initiated another dispute requesting clarification of the suspected fraud designation I also sent a direct written request to Bank of America asking for an explanation and review of this classification Despite these efforts, Bank of America has not provided : Any documentation showing confirmed fraudulent activity Any clear explanation of what led to the suspected fraud label Any clarification as to whether this is a verified finding or simply an internal risk designation I am not disputing that the account was closed or that a balance existed. I am specifically disputing the classification and reporting of suspected fraud, which implies wrongdoing that has not been substantiated or explained. This reporting is negatively impacting my ability to open a bank account and access basic financial services. I am requesting : A full investigation into the basis of the suspected fraud designation Documentation supporting this classification Correction, removal, or reclassification of this information if it can not be verified Assurance that all reporting is accurate, complete, and not misleading I am seeking a fair resolution and clear explanation, as this issue continues to cause financial hardship. Sincerely, Consumer

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My small business credit card was closed by Bank of America due to their own system trying to double dipping each month by attempting to pay off the credit card entirely each month even though the minimum payment had already been made on time each month. Never had a late payment. The double dipping is a known flaw in the Bank of America system that has been part of a class action lawsuit but they dont acknowledge this and they wont reopen my credit card even though the evidence shows that my payments have always been made on time. I had built up credit history and also rewards that were taken away from me. They also charged feel for overdraft but those fees were reimbursed each month automatically because it was all done in error by Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Lost my job last XXXX, the business out of business and all employees were given only XXXX day 's notice, and the employer did not pay me any due overdue vacation pay, luckily i was able to secure a new job in mid XX/XX/XXXX, then reached out to Shellpoint for help, which took almost XXXX months to receive a loan modification package via mail, all requested documents were sent back and then only confirmed received by Shellpoint in their system at the end of XX/XX/XXXX, called Shellpoint and was told that there were missing documents, then started uploading all requested documents on the Shellpoint 's loss mitigation document upload page, also talked to someone to confirm what file was still missing and I was told that the letter of explanation was all that was missing, recording is available, then came to find out after uploading it multiple time that it is still being marked as " not completed '', screen is available showing that it was uploaded multiple times among other documents, including my wife 's self-employed side job P & L statement, which for XXXX and XXXX XXXX 's form will show, yet it is being marked as " not completed '', including an request HOA form being requested that does not apply to us since we don't have a HOA 's dues, as a single residential home.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against Wells Fargo for failure to properly investigate a high-value merchant fraud and credit laundering scheme. On XX/XX/year>, I was the victim of a predatory business-opportunity scam orchestrated by XXXX XXXX XXXX XXXX The merchant used remote-desktop software to gain visibility into my personal computer and coerced the simultaneous opening and draining of my credit lines, charging an exact amount of {$4500.00} to this Wells Fargo account XXXX Wells Fargo customer service has refused to process old dispute requests due to standard timeline limits. However, this is a documented instance of merchant fraud, deceptive trade practices, and credit manipulation via remote device access, which renders any transaction contract legally void. The contractually promised marketing systems, custom XXXX, and XXXX campaigns were completely unrendered. I have fully documented this crime with the federal government under FTC Report XXXX XXXX. I demand that the Wells Fargo Executive Consumer Advocacy Unit launch an internal investigation into this merchant account and reverse these fraudulent charges.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid the entire balance using a balance transfer card, when I checked my online banking, I have a balance in the amount of {$180.00}, interest on cash advance and interest on purchases, I have been with them for a long time and they just kept saying that by the time the balance transfer completed, those charges were already processed, it's not fair that after been with them and by some error as the customer service rep explained, I have to pay for it. I need your assistance with this matter please.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am submitting this complaint regarding Bank of America 's refusal to provide a reasonable method for me to access my account and funds while residing outside the United States. I am the lawful owner of a Bank of America account. I currently reside in XXXX and have done so for several years. The telephone number that Bank of America has on file for authentication purposes is an old XXXX mobile number that I have not used for approximately XXXX years. When attempting to access my online banking account, I am required to complete identity verification using a one-time code sent to that obsolete XXXX phone XXXX. Bank of America previously allowed authentication through email, but that option is no longer available to me. Because I no longer have access to the old XXXX phone number, I contacted Bank of America customer service and explained the situation. I was informed that customer service could not assist me in updating my authentication method or restoring access. I was further informed that my only option would be to visit a Bank of America branch in person in the United States, with no assurance that the issue would be resolved even then. This requirement is unreasonable given that I permanently reside abroad. I am not disputing Bank of America 's right or obligation to verify my identity. I fully support appropriate security measures and am willing to provide any reasonable documentation necessary to establish my identity, including copies of government-issued identification, notarized documents, signature verification, or any other alternative verification procedures. My complaint is that Bank of America has failed to provide any practical or reasonable mechanism for an overseas customer to update authentication credentials or access funds held in their account. As a result, I am effectively unable to access my account despite being the legitimate account holder. While the funds remain in the account, the bank 's current procedures have prevented me from exercising meaningful control over my own property. I am requesting a prompt written response explaining how Bank of America intends to resolve this matter and provide me with reasonable access to my account and funds. Thank you for your attention to this issue. Sincerely, XXXX XXXX email : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: DE

Complaint narrative:
Servicemac acquired my mortgage in XXXX On XX/XX/XXXX I realized they added an escrow payment for my property taxes to my mortgage. I pay my property tax outside of escrow. I called on XX/XX/XXXX and they said I did not pay my property tax and that there was a balance of {$120.00} on the account so I am being put into escrow. This was a clerical error with XXXX XXXX XXXX. They asked me to send proof that it was an error to which I did and uploaded to their system using the site uploadmytaxdocs.com password was XXXX. I called XXXX days later asking whether these were received which I was informed they were. I spoke with a XXXX who informed me and I also have an email there would be no late fees while this all gets resolved. However I have been hit with XXXX late fees over {$100.00} so far. There have been over XXXX reachouts by me since XX/XX/XXXX not including multiple answered calls by me from their mortgage assistance as they have me missing payments because they can not figure out how to resolve this in their system. I spoke with them on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also repeatedly asked for management to call me concerning this starting on XXXX and every following call. I was told it takes XXXX for them to return a call and have yet to receive a call back from anyone on the management team. I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX to name a few and have still gotten nowhere and no one will patch me through to a XXXX. I simply want the escrow amount they added to my account due to a clerical error which has been proven to them removed so I can pay my mortgage and they cant seem to fix it.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My closed utility account with XXXX XXXX final-billed with a credit balance. XXXX XXXX Relations audited their records and confirmed in writing : " We have confirmed we have not sent a transaction through in the amount of {$340.00}. '' Despite the merchant explicitly denying authorizing or transmitting this debt, Synchrony Bank generated an inaccurate internal balance on my co-branded XXXX card. This balance was inflated by aggressive, stacked penalties, including a {$30.00} late fee on XX/XX/year>, and a {$41.00} late fee on XX/XX/year>, alongside associated interest charges. On XX/XX/year>, a valid merchant refund of {$130.00} from XXXX XXXX posted to this XXXX card, confirming the merchant owed me money. Synchrony Bank is currently absorbing this {$130.00} refund to offset their own unverified internal fees and balances. The bank has no legal right to retain a valid merchant refund to pay down a debt that the merchant itself has disowned in writing.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I started a new credit card account in XXXX, I didn't realize until XXXX that I was not set up on auto-pay from bank. XX/XX/XXXX, I made a payment online in full ( {$8200.00} ). At that time, I believed I had set up auto-pay, apparently, it didn't get set. XX/XX/XXXX, I made another payment in full ( {$19000.00} ). XX/XX/XXXX, auto-draft finally kicked in and paid any remaining balance. I am being charged interest on XX/XX/XXXX ( {$270.00} ) and XX/XX/XXXX ( {$130.00} ). My credit score average is over XXXX, I do not have any history of late or missing payments. I spoke with a supervisor regarding the 2 interest charges, as I feel they are unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My credit card was charged multiple cash advance fees due to a merchant billing error, not cash advances I initiated. Six fees were charged totaling over {$100.00}. A Wells Fargo representative told me all fees would be refunded after the billing cycle. Two {$10.00} refunds were issued on XX/XX/year>, confirming the process had begun. However, the remaining fees have not been refunded : charges of {$10.00} on XX/XX/year>, {$43.00} on XX/XX/year>, {$10.00} on XX/XX/year>, {$10.00} on XX/XX/year>, and {$10.00} on XX/XX/year>, totaling {$83.00} still outstanding. When I called to follow up, a representative told me an automatic system limits the number of refunds and that there was no one to escalate the issue to. This contradicts what I was previously told and is not an acceptable resolution for fees I did not incur due to my own actions.

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 2026-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
XXXX complaint Open Amendment for clarification : Updated information. Upon the new loan simulator on XXXX XXXX I am on track for standard 20-year IDR forgiveness. My official count shows I have made 138 payments, leaving 102 payments remaining. My 10-year Standard Plan cap under IBR is mathematically documented at {$380.00} now, from the {$410.00} previously mentioned in prior complaints open. My servicer is currently violating federal statutory caps by billing me {$660.00} on the IDR track and threatening a forced re-amortization to a Standard Plan that would add {$60000.00} in fraudulent interest. I request that my account remain in an Administrative Forbearance with an interest waiver until my active IDR payment is manually corrected and locked at the legal {$380.00} ceiling, so I can safely complete my remaining 102 payments. Also, while I have been in administrative forbearance from the XXXX till today, they have applied a 47 % interest rate, which exceeds the annual locked-in 6.25 % as the military receives the incentive. Critical Amendment-Systemic Compliance Breakdown : Federal Law strictly caps Direct Loan interest rates well below 10 %. The servicer 's broken software is actively ballooning my balance using a corrupted, usurious interest rate calculation to force me off my IDR track. I am asking for an immediate manual freeze on all interest accumulation, an internal audit of my account 's backend coding, and a formal response from corporate compliance within 15 days. MOHELA has sent me an official notification admitting to a calculation error on my account, but a 90-day timeline to fix an illegal 47 % completely unacceptable. Since MOHELA has formally acknowledged this processing error, I demand that my account be placed into 0 % Interest Administrative Forbearance retroactively starting from the date the error appeared, XX/XX/year>, until the day it is completely resolved. I will not allow daily interest to accumulate at a corrupted rate until MOHELA works through its backlog.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 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: MA

Complaint narrative:
Im personally filing this complaintno third party is involved. Im disputing false and misleading information on my credit report. Ive been trying to buy a home, but these errors are holding me back. Ive waited for a response from the credit bureaus, but nothing has been done, and its extremely frustrating. This has caused stress and delayed my plans. Im asking you to review the uploaded documents and take immediate action to correct the issue so I can move forward with my life.

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