vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, buy a {$500.00} product. On XXXX XXXX, I returned the product. The seller refused to issue a refund on the grounds that it was not the product they sent me. I opened a dispute, my bank, Bank of America, did not ask me for any information. The evidence sent by the seller for the dispute seems to me to be inconclusive, claims that the product they sent does not return, but does not show photos of the product they sent me. Unfortunately, I also have no pictures of what they sent me, because I had never had problems with refunds. On the other hand, they also refuse to forward the product to me and I find it unfair to be charged something that I do not have.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am filing a formal complaint against U.S. Bank regarding a {$1200.00} business account promotional bonus that has not been honored despite repeated confirmations of my eligibility. In or around XX/XX/year>, I opened and maintained a U.S. Bank business account specifically to qualify for a {$1200.00} promotional offer. The requirements included completing qualifying transactions and maintaining a balance of approximately {$25000.00}. I fulfilled all stated requirements in full and in good faith. From XX/XX/year> through the present, I contacted U.S. Bank multiple times to confirm my eligibility. During these interactions, I spoke with several representatives, including at least three managers, all of whom confirmed that I qualified for the promotion. I was also provided with specific dates on which the {$1200.00} bonus would be deposited into my account. U.S. Bank primarily communicated through phone calls and did not provide written confirmation, which limits my ability to submit email documentation. However, I relied on these repeated verbal confirmations. Based on these representations, I kept approximately {$25000.00} in the account rather than moving those funds to another financial institution. I also maintained an account with higher associated fees in order to meet the promotion requirements. After months of follow-up and delays, U.S. Bank reversed its position and informed me that I do not qualify for the promotion. No clear, consistent, or documented explanation has been provided. Instead, I have received conflicting information and have been subjected to ongoing delays since XX/XX/year>. This situation raises serious concerns about misleading or inconsistent representations made by U.S. Bank regarding promotional eligibility, particularly where a customer reasonably relies on those representations to their financial detriment. I am requesting the following resolution : Immediate payment of the full {$1200.00} promotional bonus as originally confirmed Reimbursement of any account-related fees incurred while maintaining the required balance and account type A formal written explanation addressing why multiple U.S. Bank representatives , including managers, confirmed my eligibility and provided expected payout dates, only for that determination to later be reversed I am prepared to provide supporting documentation, including account statements, transaction history, and a detailed timeline of my communications with U.S. Bank . I request a prompt and fair resolution to this matter. 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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against Chime regarding unauthorized electronic transactions totaling {$1000.00} on XX/XX/2026 that were made on my account without my knowledge or consent. The transactions include : {$150.00} {$660.00} {$240.00} I reported these transactions to Chime and provided a police report ( XXXX XXXX XXXX Report # XXXX ), but the issue has not been properly resolved. Under the Electronic Fund Transfer Act ( Regulation E ), I am entitled to protection from unauthorized transfers and reimbursement after investigation. Chime has not fulfilled these obligations. I am requesting : Immediate reimbursement of {$1000.00} A full explanation of their investigation This situation has caused financial hardship, and I am seeking immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Global Equity Finance, Inc.
State: GA

Complaint narrative:
This is the letter I sent to Global Equity On XX/XX/year>, I received an email stating that my loan had been approved. Following that notice, I was asked to provide several documents, which I promptly submitted. Some of the requested information appeared unrelated to the loan itself, but I complied fully in good faith. I was also instructed to pay {$800.00} for an appraisal, which I paid as requested. Since completing these steps, I have not received any further communication regarding the status of my loan. Additionally, my credit was accessed as part of this process. I have made multiple attempts to contact your company by phone and have sent two written letters, but I have not received any response. I am extremely concerned about the lack of communication and the handling of my application, particularly given the sensitive personal and financial information I provided, as well as the payment I made. I am requesting the following : A clear update on the status of my loan application An explanation for the lack of communication A refund of the {$800.00} appraisal fee if the loan is not being processed

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding my auto loan servicing. I previously set up a payoff/payment for my vehicle loan. The payment was not successfully processed, but I did not receive effective and timely notice that the payoff/payment failed. Bank of America customer service later stated that paper notices were mailed, but I did not receive meaningful notice until approximately XXXX years later, when I received a recent paper letter stating that the loan was delinquent and that additional interest, late fees, and towing/repossession-related fees had been added. I have reviewed the bank account that I used for the payoff/payment at that time and confirmed that the account was active, in good standing, and had sufficient available funds to cover the payoff amount. Therefore, I request that Bank of America provide the specific payment failure record, including the date of the attempted debit, the ACH return/rejection reason code, and any documentation showing why the payment was not successfully processed. The vehicle loan currently has an approximate remaining balance of {$14000.00}. I dispute the delinquency status, additional interest, late fees, towing/repossession-related fees, and any negative credit reporting resulting from this servicing issue. I also request that Bank of America place an immediate hold on any repossession or towing activity while this dispute is being reviewed.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My business account was closed by chase bank for no valid reason in the first place. I deposited a {$200.00} XXXX party check that was verified by the owner of the check and chase decided it was to risky and closed the account which is fine. Their bank their policies are what they are but they closed the account in XXXX, received payment from the check that I deposited and has failed to issue payment to me. I do not want the account back opened I just want my {$200.00} thats legally XXXX XXXX mine. Ive contacted this bank multiple times a month following up and I a, constantly told something different. I just want my {$200.00} on one occasion I was told I could go into the bank to retrieve the funds only to drive and hour away and be told that they couldnt help in store. This is notated on my chase account and is documented and confirmed by multiple people over the phone. Please note this is a business banking checking account and not personal under the name streets moving platinum LLC WITH EIN NUMBER XXXX Last contact made was XX/XX/year> spoke with supervisor and XXXX agents that stated he was sending yet another request to complete the payout process

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was charged {$82.00} by XXXX XXXX for a transaction that I disputed. I contacted Regions Bank to file a dispute because I did not receive proper resolution from the merchant. Regions Bank denied my dispute without providing a clear explanation or sufficient investigation. I feel that my claim was not properly reviewed, and I was not given fair protection as a customer. This is not the first time I have experienced issues with disputes being denied. I am requesting that this matter be reviewed again and that I receive a proper investigation and resolution regarding the {$82.00} charge

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 2026-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> i reported a fraud claim on my bank of america credit card. claim XXXX On XX/XX/year>, Bank of America denied my fraud dispute based on a fraudulent invoice provided by a third party. The amount of fraudulent charge is {$330.00}. I called the phone number on the invoice provided in the bank 's dispute response. The representative at that number confirmed the business name does not match their address information and explicitly stated the transaction is fraud. I performed basic due diligence that the bank failed to do. By calling the number, googling business names and checking the address, I confirmed the merchant name, location, and account details do not align with my identity or the transaction. The name on the transaction was falsified and it was not throughly investigated.

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 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I was going to refinance my home via Navy Federal as I am a veteran with VA XXXX compensation. I was under the impression that XXXX of my benefits was a VA loan. I began the process with Navy Federal and went through the application process over the course of XXXX months ( XXXX ). Late in the process the asked me if I have a certificate of eligibility and I responded that I did not. They asked if would like to proceed anyway ( under the assumption that I would not get the waived funding fee ). After paying for an appraisal {$600.00}, a well inspection {$250.00}, and a termite inspection {$50.00}. I was informed that Navy Federal had applied for a Certificate of Eligibility on my health. In which I was issued one, then it was revoked a day later due to not meeting the requirements. In which I was asked if I would like to proceed without one again. I answered yes. After receiving another loan estimate showing it was still a VA loan and going through underwriting I was contacted and told I needed to switch to conventional loan as I do not have a Certificate of Eligibility. Had I know I needed one I would not have put the application in to begin with. As a veteran the benefits of a VA loan are very extensive compared to FHA and conventional loans as are the interest rates. They tried to convince me to do a home loan instead in which I said no and withdrew my application. Asked for a review of my situation and why I was strung so far into the process after stating I did not and could not meet the requirements for obtaining a Certificate of Eligibility. They said after a supervision review nothing they did was mislead as I asked for a change in product. As I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: Chime Financial Inc
State: FL

Complaint narrative:
I noticed that boost mobile charged my card for {$72.00} on XXXX that I did not recognize I do remember that I paid my boyfriend phone bill the month before because he has a boost mobile account but on XX/XX/year> my boyfriend received a text message from boost advising him that his bill was due on XX/XX/year>. I was shocked being that I thought that was why they had charged my card so immediately I contacted boost the same day on XXXX concerned about the charge when I ask them about it they stated they do not see a payment for that amount and the last payment was made XXXX. I explained to them someone must have used my card to pay their phone bill and is there anything they can do about it and they told me no and to contact my bank, I contacted my bank the same day and made the dispute after two days of chime investigation they stated that their were no error so I contacted boost again desperately asking for help and asking to speak to a supervisor the supervisor stated that I need to email XXXX addressing my concerns which I did and all they responded was asking me for my account number and phone number which I do not have in the banking app they dont even allow me to dispute the charge again and no one is doing anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to demand a full re-investigation of all inaccurate, unverifiable, and misleading information being reported on my credit reports by Equifax , Experian, and TransUnion. Multiple negative accounts, late payments, collections, charge-offs, and inquiries are being reported without proper verification or lawful documentation from the original furnishers. Under FCRA Sections 607 and 611, all information reported must be accurate and fully verifiable. Any account, inquiry, or negative item that can not be properly validated must be removed immediately. The continued reporting of inaccurate information is causing significant financial harm and violates my consumer rights. I request that all three credit bureaus immediately re-investigate and permanently remove all inaccurate, unverifiable, outdated, or unauthorized information from my credit files.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand a full re-investigation of all inaccurate, unverifiable, and misleading information being reported on my credit reports by Equifax , Experian, and TransUnion. Multiple negative accounts, late payments, collections, charge-offs, and inquiries are being reported without proper verification or lawful documentation from the original furnishers. Under FCRA Sections 607 and 611, all information reported must be accurate and fully verifiable. Any account, inquiry, or negative item that can not be properly validated must be removed immediately. The continued reporting of inaccurate information is causing significant financial harm and violates my consumer rights. I request that all three credit bureaus immediately re-investigate and permanently remove all inaccurate, unverifiable, outdated, or unauthorized information from my credit files.

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 2026-04-30 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: CA

Complaint narrative:
Dispute Reference : # XXXX On XX/XX/year>, I initiated a dispute with Chime regarding unauthorized transactions totaling {$260.00} ( {$210.00} and {$48.00} ). As of today, XX/XX/year>, XXXX business days have passed without resolution. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to provide a provisional credit within 10 business days while an investigation is pending. Chime has failed to provide this credit. When I contacted Chime support today to demand my provisional credit, a representative informed me on a recorded line that my dispute was allegedly subject to Regulation Z, rather than Regulation E, because the funds were tied to a Chime " Credit Builder '' account. Because of this classification, Chime is attempting to withhold my funds until XX/XX/year>. However, I never applied for, authorized, consented to, or signed any agreement to open a Chime " Credit Builder '' line of credit. Chime has forced an unauthorized credit account onto my profile without my consent. It appears Chime is using the unauthorized creation of credit accounts to deliberately reclassify user funds under Regulation Z, thereby intentionally bypassing the 10-day provisional credit requirements mandated by Regulation E. I am formally requesting that the CFPB investigate Chime for Unauthorized Account Creation and deceptive practices. I demand the immediate release of my {$260.00} to my standard account, as I am currently experiencing severe financial hardship and require these funds for immediate survival needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing a complaint against American Express National Bank regarding a potentially misleading pre-screened credit card offer and subsequent denial. I received a targeted RSVP or pre-selected offer for the American Express Business Platinum Card. The offer indicated that I was selected to apply, which reasonably suggested a higher likelihood of approval based on a pre-screening process. However, after submitting my application, I was denied. The only reason provided in the adverse action notice was my FICO score ( reported as XXXX ). This raises concerns because : 1. If my credit profile did not meet the minimum criteria, I should not have received a targeted RSVP/pre-selected offer. XXXX. The marketing language implied a level of qualification that was not accurate or meaningful. XXXX. The denial reason was vague and did not provide sufficient detail beyond a general reference to my credit score. I believe this may constitute misleading marketing or unfair practices, as the pre-screened offer created a reasonable expectation of approval that was not aligned with the actual underwriting criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
This account is supposed to have been closed in XXXXXXXX XXXX XXXXXXXX, my email and phone number linked to this account was hacked in XXXXXXXX XXXX XXXXXXXX, I recieved a notification from my bank saying a XXXX was withdrawn and deposited to SoFi Bank after contacting them the account was supposed to have been closed. In XXXX of XXXX another XXXX was taking out from my account and I contacted SoFi again about the issue was told it would be closed and a check would be mailed, never received it called again in XXXX same thing and in XXXX same thing and still haven't received my check for the remaining balance. I have gotten nothing but the run around from all the representatives I spoken with, nobody could provide me anyt of my account information. They failed to provide me account access. The last representation told me if I never receive my funds then call back and I could have get into my account

Company response to consumer: Closed with explanation