vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I, as an individual consumer, am submitting this complaint regarding the Bank of America account referenced in the attached settlement notice and related correspondence. 
I have received multiple settlement offers from Bank of America proposing different amounts to resolve this alleged debt in full. One such settlement offer, in the amount of {$790.00}, was previously documented in a prior complaint. The existence of conflicting settlement figures raises concerns regarding the accuracy, consistency, and reliability of the information being maintained and communicated regarding this account. 
I am willing to resolve this matter and hereby state that, if Bank of America is still willing to accept a reduced payment of {$790.00} as full settlement, I consent to do so, provided that the settlement terms are furnished in writing and clearly specify : ( XXXX ) The legal basis for the settlement amount ; ( XXXX ) Whether the settlement constitutes full satisfaction of the account ; ( XXXX ) How the account will be reported and reflected in CFPB records upon resolution ; and ( XXXX ) Confirmation that no further balance, collection, or transfer will occur following settlement. 
At present, this matter appears to involve issues of lawful compliance, and proper account administration, rather than any legitimate basis for continued adverse treatment of my consumer profile. 
I am concerned that there may be errors, omissions, or misuse of account information, which directly implicate the obligation to ensure that all information furnished to consumer reporting agencies and regulatory bodies is accurate, complete, and fair to all parties, including third parties who may rely on such information.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was charged erroneously by a XXXX XXXX XXXX. PayPal reviewed the order and found no fraudulent activity I never submitted the order. The account was detected automatically by my phone and I never had as much in my XXXX as was charged. I was offered a shipping only refund or something to that effect for {$32.00}. {$100.00} was charged. PayPal resolved the case without any fraudulent findings. I will have stop payment pending with XXXX XXXX XXXXXXXX. This just happened and I have had no resolution. I have had insufficient attention from PayPal and the company despite my efforts. It seems I am on the hook for {$70.00} that I did not order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, My BMO Bank credit card was turned down by a grocery store. I contacted XXXX XXXX XXXX and they did not know why. On XX/XX/XXXX, I contacted BMO to inquire about the card. They stated that I owe {$910.00} and the limit is {$1000.00}. They said that I am over the limit and it is due by XXXX. They said I have no funds to complete the transactions. My account does have adequate amount of money and it is a recurring payment from the account. Money is withdrawn as needed automatically. They said that only the back office provides information about credit cards and there is no access to them. 
In XX/XX/XXXX, my former credit card was turned down by XXXX  XXXX XXXX, providing generic reasons why my card was turned down. All reasons are false. I then contacted reports from the credit bureaus.On XX/XX/XXXX, Online showed my credit score to be XXXX. It then went down to XXXX and online reported as XXXX. It is apparent that there is credit fraud. All credit bureaus have been notified. XXXX put in a dispute and will report on it. The issues are going in circles. I need help with restoring my credit and credit card.

You may contact me by e mail and phone ( 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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
i recently viewed my XXXX report and noticed my information was incorrect and used in the data breach as an result i want this fraudulent account removed under 605B. This fraudulent account was an auto loan ( SANTANDER BANK ) with the amount of {$37000.00} Opened on XXXX XXXX XXXX. This fraudulent account is under repossession and its stopping me from obtaining credit. I need this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I would like the -- -- -- - to get involve and help me and challenge these people, in the first place this case have no merit to start with and wasn't signed not by a human person, none of what they say match with any records I have. They couldn't name the lawyer who started law suits against me, phone number, no email address etc..... This thing seems unreal plus I was suit in XXXX  knowing the -- -- -- - suit them at this period of time for all reason listed on your sites and my case has the same similarity. I want the -- -- AND/OR any administration to verify -- -- -- -- -, since these people never got me the requires documents to file a motion They information i've got from them don't match any records and according to them they've got to file file a dispute with THE -- -- -- -- - to obtain the documents. Why my situation match with the information provided by -- -- - on their website. Please help me to get satisfaction and challenge them in courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I reached out to XXXX XXXX XXXX to look for a XXXX XXXX  company for a new home I bought. After talking to XXXX, they sent a XXXX XXXX aggreement which I signed. A few days later around XX/XX/year> XXXX XXXX, the XXXX XXXXXXXX came to my home to take a look. Then we discuss and talk for XXXX minutes about the property which I later that same day told her through text message I no longer want to continue with her XXXX XXXX because of reason that it is too expensive, and that with the way XXXX XXXX  work they can't control things like pets or number of people whom can live there which worries me about my new home so I say cancelled and I will be living there which I have that right in the contract. 

Now XXXX months later around XXXX I received mail from Capital Credit & collection service saying I have a debt collector trying to collect debt which I never owned because i never did any business with her. She never posted properties because I already ask her I don't want to do business with her. And even if she posted, she never even had a key to show so how could it be that there was any business done beside the trip she made over to the home for XXXX minutes to discuss the XXXX XXXX service she provide which I rejects.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/year>, funds were wired from my Bank of America checking account to a study abroad consulting company for services that were not provided. I reported this as wire fraud and submitted the signed Scam Victim Acknowledgement on XX/XX/year>. Despite multiple follow-ups, Bank of America has not provided a clear written update on the investigation or recovery actions for claim number 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 2026-01-19 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I noticed a fraudulent charge on my Chase sapphire reserve credit card. The charge was for XXXX XXXX XXXX pro XXXX phones along with XXXX cards and phone plans through XXXX XXXX in the mount of XXXX dollars. I immediately called chases fraud department and notified them I was not the one who made the purchase and that my card was compromised. Chase refunded the amount back to my card and said it would be taken care of. XX/XX/XXXX I noticed I was charged again for the XXXX. Again I immediately called chase XXXX department and was told by them since my name and email was used in the purchase there investigation came back I was the one who made the purchase. Which is ridiculous considering how easy it is to get someones name and email along with all kinds of other information off the internet. I then was under the impression the case was open back up after calling Chase countless times but after calling today XX/XX/XXXX the claim was closed again. I asked countless times as well to speak with the XXXX or why I wasnt provided any time of written information to why they closed the case but was left with nothing. In this span of a week Ive had to make a police report and try to gather evidence to why I am innocent and was not the one who purchased these XXXX. Chase is supposed to be protecting there customers not trea them like they are guilty. Due to the criminal using my email I was able to track the shipping of this fraudulent charge. I have a clear shipping receipt showing the XXXX were delivered to a random address I have no association and a random persons name who signed for the package in which I have no relation to what so ever. Yet this was still not enough to show chase bank that I was not the one who authorized or made the purchase. Everyone in chases fraud department is telling me something different over the phone on whats going on with the case. Above all this is a common scam going on with mint mobile that has very many news storys on it. For Chase to not take that into consideration and actually investigate is absurd. I have not gotten any calls or emails from Chase like the customer service reps have told me I was be receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo banking app does not show that my credit card balance was paid. The credit card company indicated that a payment has been processed but this is not reflected on my checking account. I believe this is misleading information on my checking account which can cause serious overdraft fees that I wont be able to recover from. This is not the first time the Wells Fargo app manages my credit card payment transactions in this way. I The payment on the credit card was submitted on XX/XX/year> and its been XXXX days that there has been nothing posted on my checking account reflecting the payment. As mentioned before I have submitted multiple complaints to the Federal Reserve. I prefer to go this route for now and see if it works because this app should not exist if it can not handle payment processing of credit card.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX is billing me XXXX for a transaction induced by misrepresentation. The merchant charged my account on XX/XX/year>, but did not disclose a no-refund policy until XX/XX/year> @ XXXX AM, ( see attachments ) after payment was taken. The information provided was later discovered to be a scam, and I requested a refund immediately upon discovery. 

Synchrony Bank is relying on XXXX policy rather than the XXXX XXXX Credit Billing Act Protections and refuses to remove the balance despite retroactive terms being unenforceable. I am requesting the removal of the XXXX balance and the correction of the billing error Additional information provided by consumer : XXXX The consumer would like the complaint sent to Synchrony Bank.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Account # XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to this account. I have no contract with the debtor if you believe you sent proper notification please provide Certified Mail with receipt of displaying my signature. If not please delete this account # XXXX as soon as possible from my report or I will take legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am disputing an inaccurate and improperly reported debt related to a former residential lease. The debt collector reported this account to credit bureaus despite the debt being formally disputed and inaccurately calculated. 

I provided timely written notice of non-renewal and vacated the apartment on the lease end date. I am not a hold-over tenant. The lease does not authorize the additional charges or surcharge being claimed. The debt collectors validation relied on billing statements created by the landlord that contain an incorrect move-out date and an amount not supported by the lease. 

Despite receiving written notice of the dispute and the inaccuracies, the debt collector reported the account to consumer reporting agencies, causing significant credit score damage. Reporting a disputed and inaccurate debt without correcting known errors violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America brunch issues, XXXX XXXX, XXXX XXXX, NJ, XXXX I have business accounts with BOA. As always on XXXX, on XX/XX/year>, i visited the brunch to make multiple deposits. I was waiting in line and XXXX, the teller, was helping me. There were XXXX other tellers on duty at the time and about XXXX in line. The XXXX XXXX XXXXXXXX came to XXXX and told her to stop accepting my deposits because they were so many and they were taking so much time. She asked me to leave and come back another time. I explained to XXXX that i could not stop. It was snowing outside and my family was waiting for me in the car. She attacked me in front of the other customers telling them see people how she behaves? she is not moving out and i can not throw her out ''! 

Unbelievable to target a customer for bringing business to the bank! 

The customers in line were excited by XXXX 's, assistant XXXX, comments and started screaming nasty comments behind my back. I was shocked to have this treatment after XXXX years history with BOA. XXXX told me that it is my decision if i want to change bank if i am not happy with her treatment. I was humiliated, disrespected and harassed and all these was captured by their multiple cameras. I am moving towards XXXX bank, taking my XXXX accounts there. The assistant XXXX in BOA could not help even the tellers as she doesn't know how to do their job. So, basically the tellers have a supervisor who doesn't know what or how they doing.

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX unauthorized XXXX XXXX transactions that were disputed but later denied without a proper investigation. 

On XX/XX/XXXX, XXXX XXXX XXXX transactions were made from my account to XXXX XXXX XXXX XXXXXXXX XXXX in the amounts of {$50.00} and {$540.00}. These transactions were not authorized by me and were made without my consent or knowledge. 

I reported these transactions promptly and submitted a dispute on XX/XX/XXXX. However, on XX/XX/XXXX, XXXX XXXX denied my dispute and closed the case without providing any clear explanation, merchant proof, or evidence that I authorized these payments. 

I did not send money to this recipient, nor did I share my XXXX XXXX login credentials, PIN, XXXX, or device access with anyone. This activity appears to be fraudulent, and I believe XXXX XXXX failed to conduct a fair and reasonable investigation as required under consumer protection regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: AL

Complaint narrative:
I respectfully dispute West Creek Financial dba Koalafis response and do not agree that the account is being reported accurately or lawfully. 

While Koalafi states that consent was provided and that the debt is valid, they have not provided evidence of legally permissible credit reporting under the Fair Credit Reporting Act ( FCRA ) for a lease-to-own agreement, nor have they demonstrated that the account meets the definition of a credit transaction reportable to consumer reporting agencies. 

Additionally : XXXX. No signed contract or agreement bearing my signature was provided to demonstrate informed consent to credit bureau reporting. 
XXXX. Koalafi failed to provide itemized billing, payment history, or a full accounting showing how the alleged balance of {$1000.00} was calculated. 
XXXX. A lease-to-own or rental-purchase agreement is not automatically a credit account, and Koalafi has not shown that this agreement qualifies as a reportable tradeline under FCRA or applicable state law. 
XXXX. Reporting this account as a charge-off may be inaccurate and misleading, as there is no evidence of a traditional extension of credit. 
XXXX. Koalafis response relies on internal records rather than independent verification, which does not meet the FCRA standard for accuracy. 

Because Koalafi has not met its burden of proof to verify lawful and accurate reporting, I am requesting that this account be deleted from all consumer reporting agencies rather than updated. 

If Koalafi can not provide complete legal verification, including a signed agreement and proof of reportability, continued reporting violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Account XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide Certified Mail with receipt displaying my signature as I do not have a contract with this company if not please delete this account as soon as possible from my report or I will take legal action

Company response to consumer: Closed with explanation