vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I signed up for a new Coinbase account using a referral code. When going through the process, the terms stated that once I sign up, verify my email and phone, and make a purchase of {$20.00} or more in cryptocurrency, I will receive a bonus of {$30.00}. I read all the fine print on the terms of service and completed all the requirements as laid out in the terms. After a few weeks of not receiving my bonus, I reached out to customer service. They said I failed to meet the terms, but refused to tell me which of the terms I failed to meet. I reviewed all the terms again and confirmed that I met them all. They would only says they could not tell me which term I failed to meet " due to security reasons '' and ended the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GREENSKY OPERATIONS, LLC
State: AL

Complaint narrative:
In XXXX of of XXXX. I filled out a prequlify application for a home repair loan. I was offered an amount but rejected it. 

A few weeks later I recieved letters saying I have a full line of credit and suggested payments and strategies. 

I never agreed to a full line of credit. It was a pre-qualify to see IF I could get it. 

Anyway, after they claimed it was closed and I demanded that all infromation unless dictated by law needs to be deleted and I do not consent to my info being sold or given out. 
I have a letter saying the account was closed. I recieved yet another letter today XX/XX/XXXX of them stating that will be selling my information without my consent. I have called several times on XX/XX/XXXX they continue to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
b'CBE Group called me from XXXX XXXX XXXX  at XXXX XXXX XXXX MST arizona time. \nI told them to put me on the DNC list and they refused to do during this call, then I ended the call. \n\nThey called previously on XXXX XXXX XXXX XXXX MST from XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX..\n\nAnother previous call from XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX I originally told them to stop calling me on XXXX XXXX \n\nThis is harassment for a business to continue to call me so aggressively, I tell them to put me on the DNC list, and then deny and repeatedly call me.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have reached XXXX XXXX  equity in my home and I'm still being charged pmi interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a fraud claim involving an in-person teller withdrawal. 

This was the second fraudulent incident on a different account with the same bank. 

The transaction in question was conducted in person at a branch teller while I was physically out of town. At the time of the withdrawal : I was not present at the branch. 

I was in possession of my physical debit card. 

I was in possession of my government-issued ID. 

The debit card referenced in their investigation had previously been reported and deactivated prior to the transaction. 

Despite these facts, Bank of America denied my fraud claim, stating that my ATM/debit card and PIN were used as identification and that the transaction was authorized. 

However : The card was already reported and not active. 

I did not authorize the transaction. 

I was not present at the branch. 

I never provided my PIN to any third party. 

The bank has not provided evidence that the card was active at the time of withdrawal. 

The bank has not provided branch video, a copy of the identification used, signature comparison, or proof of proper identity verification. 

I believe this represents negligence in teller verification procedures and a failure to properly investigate the fraud under Regulation E of the Electronic Fund Transfer Act.

The bank issued a provisional credit of {$700.00}, which they now intend to reverse, despite the serious inconsistencies in their findings.

I am requesting : A full reinvestigation of the claim Written proof of the cards activation status at the time of the withdrawal Branch surveillance review Documentation of identity verification performed by the teller Restoration of the {$700.00} withdrawn from my account This matter has caused financial stress and concern regarding the security of my banking relationship.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding deferred interest charges added to my credit card account after a promotional period ended. 

My 12-month deferred interest promotion expired on XX/XX/year>. I had been making consistent payments throughout the promotional period and fully intended to pay off the balance. At the time the promotion expired, only approximately {$40.00} remained unpaid. 

I misunderstood the difference between the promotional expiration date and my regular payment due date, which was XX/XX/XXXX, and believed I still had time to complete payment without penalty. As I got on the phone with an employee and made the payment they said I had a 3 day grace period from the payment date which was the XXXX and I paid within that. As a result, {$360.00} in accrued interest was added to my account. 

I contacted the bank through secure messaging and by phone and requested a one-time courtesy adjustment due to my payment history and the minimal remaining balance, but my request was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
SOFI had standing instructions ( e.g via Autopilot ) to transfer {$5500.00} from my Savings to Invest Account on the XXXX of each month. On XX/XX/XXXX, they unilaterally initiated a transfer of {$5000.00} from my Savings and {$500.00} from my Checking to my Invest Account.

Representatives left me on hold for the majority of an hour, and offered no support other than deeming it a " technical issue. '' A ticket has been filed... but SOFI has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: NY

Complaint narrative:
basically i deposited 4 checks they bounced 1 and they held 3 and they restrict my account and then they cloesd it and i need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I paid the settlement offer from Target over {$150.00} for a XXXX XXXX. I called about the late fees and was told that they were going to waive them but instead they kept adding {$35.00} in late fees were {$35.00} attached I canceled my card XX/XX/year> because penalties that were 3500 % over the original balance I thought Id pay my bill in full to find out. I was XXXX XXXX  short my sister had XXXX XXXX so I left to West Virginia and I stayed with her for months until she passed when I got home. I saw late fees from target when I explained to them the situation they didnt care and this is affecting my credit reading. I want it removed off of the three credit bureaus which lowered my credit score for late fees from target

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I have debt for mark apartment I used to live in. Ive been trying to call debt listed on credit report just goes to voicemail now. Before when I tried to call they would tell me they have no account and would just transfer me to different agents. My balance is {$2600.00}. All I need is access to the portal where I can make my payments. they open XX/XX/year> for mark one apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I got paid from my job. It went into the incorrect account after copy and pasting the routing and account numbers from Chase. To correct the matter immediately I contacted chase and I spoke with 5 different supervisors and 7 agents. All who gave me incorrect information or lied. Every department that I would reach would immediately say that I was given the incorrect information. They confirmed that my money was in the other persons account. Confirmed the date & time and my employer, but when I asked if that money could be rerouted they stated that they could see anything anymore and thats not an option. I asked repeatedly what policy states that it is not an option and all I was being told was not our policy not what we do which is odd because they have a fact sheet specifically for misplaced funds and what they can do about such within rerouting. I was told to go to XXXX because they would be able to reroute the deposit to my account. I called today and was told that acceptions can not do that and they dont have the option. I have been lied to over and over again by this company. it has made it so XXXX cant pay my bills. I have no heat in my home. I have no groceries. I have no lights. Because I have been trying to receive my funds if XXXX from Chase into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
JEFFCAPSYSis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYSis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: FL

Complaint narrative:
I have been a Bank of America client for 28 years. 

On XX/XX/2026, I contacted customer service to verify the status of a replacement card that expires in XX/XX/2026, and was sent in XX/XX/2026. I explicitly stated multiple times that the current active card must NOT be cancelled until the new card is activated. The representative assured me this would not occur. 

Immediately after the call ended, the active card was cancelled. 

As a result, my XXXX mother, who is traveling internationally and returning to the United States this Friday, has been left without access to funds for the remainder of her trip. This has created financial hardship, distress, and safety concerns. 

This cancellation directly contradicts what I was told and represents a serious service failure. 

I am requesting : - Executive review of the recorded call - Written explanation of the error - Remediation for the harm caused - Confirmation of corrective measures After 28 years as a customer, this level of error is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
{$2400.00} was stolen from my XXXX XXXX card an Chime, payments were made for XXXX XXXX, and XXXX XXXX. Chime has been and denying my disputes over this. The trans actions occured on XX/XX/year>. Furthermore I disputed XXXX  transactions from XX/XX/year> all XXXX  transactions went to XXXX XXXX. The dispute was approved. The XXXX dispute included XXXX XXXX again and it is being denied. It was {$200.00}, there were XXXX Charges from XXXX XXXX in the amount of {$410.00} each, also one in the amount of {$130.00}. 

I have no knowledge of these companies, and no affiliation with them. I've had Chime do several investigations of these charges and the found no fraud. 
I'm starting to feel that they think my complaints are not legitimate. I survive on XXXX, so I don't have a lot of money, that's why I'm still pursuing this. They make me feel like a liar through all of this. I just want my stolen money back. Will you be able to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CT

Complaint narrative:
I called my XXXX Citi Bank credit card company today. I asked the rep what my Interest Rate was on the card. He told me 32.42 % interest, which is insane and totally criminal of Citi Bank to be doing this! 

I told the rep that I needed the interest rate drastically lowered. He put me on hold and then told me there was no better interest rate available at this time. 

Their number is XXXX. 

Please pursue this, as this is absolutely awful how they are treating long-time customers!!! 

Thank you, 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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
Uprova is charging 600 % interest on a {$400.00} loan and I have tried to pay the whole amount off through the portal but they will not allow me to log in or see my progress on the loan. Every time I log in the log in just refreshes and I have tried multiple times and they will not allot my access or pay off the loan but keep pulling money out every two weeks. I am a California resident and their lending practices are illegal and leave no way to pay off the loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
XX/XX/year> at XXXX I received a collection call from Concora Credit and my bill is only XXXX days past due ; the caller was attempting to schedule a payment and I already had spoke with them in addition to being able to pay {$1.00} per Concora account this month in which this is my first month that I accumulate a late fee.

Company response to consumer: Closed with explanation