vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding the unfair charging of an annual fee on a restricted account, and the subsequent, unwarranted closure of ALL my credit card accounts with the bank during a period of severe personal hardship. I have a BofA credit card account ending in XXXX. This card was proactively blocked/restricted by the bank long ago. Furthermore, I have been living outside the United States for the past few years, which means I have not used this card at all and am completely unable to visit a branch in person to resolve any account restrictions. Despite the account being fully restricted and me receiving zero services, BofA charged an annual fee of {$100.00}. During this time, I have been going through an extraordinarily difficult period in my life. I am navigating a painful divorce, mourning the recent passing of a family member, and dealing with a complete loss of income. Enduring these devastating personal and financial hardships, compounded by living overseas, made it entirely impossible for me to monitor or manage a bank-restricted account that I reasonably believed was dormant and unusable. Because the account was blocked and I am out of the country, I was unable to resolve the unjust fee. Consequently, the bank assessed late fees, closed the account, and marked it as " past due. '' To make matters fundamentally worse, due to this disputed past-due balance, Bank of America 's risk system automatically closed ALL my other active credit card accounts without prior consent. Punishing a vulnerable customer who is already experiencing severe life and financial hardshipswhile living abroad and unable to handle matters in personover an unjust fee generated on a locked account is incredibly rigid, unfair, and lacks basic corporate empathy. Customer service has refused to assist me over the phone, simply stating the accounts are closed. I am requesting the Executive Office of Bank of America to intervene and provide the following resolutions : Waive all fees : Immediately waive the disputed annual fee and all associated late fees on the blocked account ending in XXXX, bringing the balance to {$0.00}. Reinstate accounts : Reopen and reinstate my other credit card accounts that were unjustly closed due to this cross-default error. Correct Credit Reporting : Ensure that no derogatory marks ( late payments, charge-offs, or closures by credit grantor ) related to this incident are reported to any of the credit bureaus, and actively remove them if they have already been reported.

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 2026-05-27 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: TOWNEBANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I had transactions come out of my account totaling {$1100.00}. I just received my dispute resolution and my bank is charging me for {$1000.00}. None of these charges were me or anyone else, they were completely fraudulent. It also seems very clear based on the history, that that was the case.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Fraudulent Application : I received a letter from Paypal on XX/XX/year> that my application for a XXXX was approved. However, I did not apply for such a card, and I do not have a Paypal account. I have reported this activity to XXXX, XXXX, and ( of course ) to Paypal. I have no idea where this fake card is being sent. Is there anything else I should do?

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am filing a complaint regarding my auto loan financed through Credit Acceptance Corporation. The dealer added a {$1500.00} extended warranty and {$1000.00} XXXX coverage to my contract without verbally explaining these products or informing me they were optional. I was led to believe these items were required for loan approval. The loan carries a 27.99 % APR, which was not properly explained or disclosed at signing. The dealer did not review the Truth in Lending disclosures with me, and the total cost of the loan was not made clear. This is a violation of the Truth in Lending Act ( TILA ) due to improper disclosure of the APR, finance charges, and optional addon products. Additionally, the vehicle was sold XXXX but had mechanical issues that were not disclosed at the time of sale. This raises concerns of deceptive practices under the Tennessee Consumer Protection Act. I am requesting a full review of my contract, removal or refund of improperly added products, correction of any inaccurate credit reporting, and assistance resolving this matter.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: NC

Complaint narrative:
I am selecting " Debt was paid '' because I fully paid for all services rendered up until the merchant, XXXX, abruptly ceased operations and breached our contract. The remaining balance being collected is an invalid debt for unreceived goods and unfulfilled treatment. In XX/XX/year>, I entered into an agreement for orthodontic treatment with XXXX, which was financed via monthly installments. In XX/XX/year>, XXXX completely ceased global business operations and filed for XXXX XXXX liquidation bankruptcy. At that time, my dental treatment was incomplete, and all clinical oversight, customer support, and manufacturing of outstanding aligners were permanently terminated by the company. Because the merchant permanently shut down and failed to provide the agreed-upon aligners, dental treatment, or medical supervision, they committed a fundamental breach of contract. I am under no legal obligation to pay a debt collector for services and products that were never delivered. Furthermore, major regulatory actions including investigations by multiple state Attorneys General have established that attempting to collect outstanding balances on uncompleted XXXX treatments is unfair and deceptive. The collection agency is attempting to collect on an unearned, fraudulent balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
RE : Request for Debt Validation & Proof of Assignment Account Number : To Whom It May Concern, I am writing in response to your claim regarding the above-referenced account. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I dispute this debt and request that you provide full validation. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. A complete payment history, including the date of default 4. The amount of the debt, including any interest, fees, or charges 5. Copies of any agreement bearing my signature showing I agreed to this debt 6. Proof that you are legally authorized to collect on this debt in my state 7. A complete chain of title of the debt, including : * A copy of the assignment or purchase agreement * Documentation showing the transfer of ownership from the original creditor to your company If you can not provide the requested documentation, you must cease all collection activity and reporting of this account to any credit reporting agencies. Additionally, if this account is being reported to any credit bureau, please note that reporting inaccurate or unverifiable information may constitute a violation of the Fair Credit Reporting Act. Until you provide proper validation, I request that you : * Cease all collection efforts * Do not contact me except in writing regarding this matter Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: TN

Complaint narrative:
I received a toll violation in Georgia for the XXXX XXXX, because XXXX XXXX sent me a barcode sticker for my vehicle that had a staple through it, so it was not readable, I had XXXXXXXX XXXX at the time and I had money loaded onto my account, they could have just charged the amount due, but instead because they were not able to read the barcode, they up-charged me significantly and sent me to a collection agency. The collection agency XXXX XXXX XXXX XXXX XXXX, PA XXXX phone number XXXX is who I have the unsolved issue with at this time. I have disputed it, and sent more than enough proof on more than XXXX occasion of the information that they requested from me, they are ignoring my attempts to resolve and continuing to send me demand letters. When I call the XXXX number they have I am told there is nobody to escalate it to and no other contact per that I can reach out to. I have tried for many many months to resolve this to no avail. I am not disputing that I owe but I don't owe the XXXX that they are trying to charge me. I owe for the tolls that I used. I have been asking them to just take what they owe out of my XXXX XXXX and I will happily pay, but they will not resolve this matter.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am filing an urgent complaint against Bank of America regarding systemic administrative failures, a total breakdown in customer communication, and direct obstruction of an active probate court process. My late wife passed away in XXXX of XXXX in XXXX, Florida. I reside out of state in Tennessee. Because her non-exempt estate assets are well below {$50000.00} and she passed away greater than 2 years ago, her estate qualifies for a court-ordered Summary Administration under Florida Statutes 735.201 , which completely bars all creditor claims. The XXXX XXXX XXXX is currently prepared to finalize this administration, but the judge 's signature is being held up solely because Bank of America has failed to respond to an official letter sent by the court on XX/XX/XXXX. Tracking confirms Bank of America received this judicial correspondence on XX/XX/XXXX, yet they have completely ignored it, blocking the legal probate process. Furthermore, Bank of America 's internal Estate Services department has subjected me to severe runarounds. I have been assigned multiple different " case managers, '' yet despite repeated attempts, I have been entirely unable to speak with a single XXXX of them. Frontline representatives continue to give me legally incorrect scripts, falsely claiming I must open a formal corporate " estate account '' a demand that directly violates Florida small estate laws since a Summary Administration does not appoint a Personal Representative or create an estate entity. Bank of America 's refusal to answer the court and their internal corporate negligence is holding my funds hostage. I am requesting that an Executive Resolution Officer immediately locate the court 's XX/XX/XXXX letter, provide the required response to the judge, and bypass frontline scripts to distribute these funds directly to me as required by Florida 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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint regarding unauthorized and disputed transactions associated with XXXX and the improper handling of my disputes by both XXXX and Chase Bank. Over an extended period of time, XXXX repeatedly debited my account in numerous transactions that I disputed and requested to be stopped. After I notified both XXXX and Chase of the issue, I was repeatedly advised that the matter would be corrected and that unauthorized charges would no longer continue. Despite these assurances, additional debits continued to process against my account. I revoked authorization for any further XXXX charges and contacted customer service multiple times to dispute the transactions and request reimbursement. I also submitted supporting documentation and spent substantial time attempting to resolve the issue through normal customer service channels. However, the matter was not properly resolved and I continue to dispute the charges. The issues include : Continued debiting after disputes were opened Failure to stop recurring or unauthorized charges Incomplete reimbursement and reversals Conflicting information provided by customer service representatives Significant delays and mishandling of the investigation process I am requesting : A full investigation into all XXXX transactions A complete accounting of all debits, credits, reversals, and refunds Reimbursement for all unauthorized or disputed charges Confirmation that no additional XXXX transactions will be permitted on my account I have supporting screenshots, transaction records, communications, and documentation showing my repeated attempts to resolve this matter directly with both XXXX and Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding the handling of my dispute for unauthorized transactions on my XXXX debit card issued by XXXX XXXX ( XXXX : XXXX ). Multiple unauthorized transactions totaling approximately {$200.00} were reported promptly and properly disputed within the required timeframe. The dispute was escalated to the fraud investigation team. During the course of communication with support, I was informed by a supervisor that my case had been approved and that provisional credit would be issued within approximately XXXX hours. However, no provisional credit has been posted to my account. Subsequently, I received conflicting status updates stating that the case is under review and that earlier statements regarding approval should be disregarded. As a result, I have not received clear confirmation of the dispute status, provisional credit issuance, or final resolution timeline. The investigation period is now approaching or has exceeded the standard timeframe for resolution, yet I have not received either : * Provisional credit as expected under Regulation E procedures, or * A final written determination of the dispute I am requesting : 1. Immediate written clarification of the dispute status 2. Issuance of any approved provisional credit without further delay 3. A final written determination if the claim has been denied 4. Explanation of why I received inconsistent status information during the process If there was a delay or error in processing my dispute, I am also requesting consideration for reimbursement of any fees or financial impact caused by the delay, in addition to resolution of the disputed transactions. This situation has resulted in uncertainty and delays beyond what was communicated during the investigation process. I am requesting prompt resolution in accordance with applicable consumer protection requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I paid my account in full and have repeatedly requested a Paid in Full Letter from Hyatt Landau LLC. I have called multiple times and each time I was told the letter would be emailed to me, but I still have not received it. I urgently need this document as proof that my account has been fully paid. I am requesting that the company immediately provide my official Paid in Full Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I was charged {$89.00} on my checking account for XXXX # XXXX placed through a XXXX-hosted storefront called " XXXX XXXX. '' My confirmed shipping address was in XXXX, IL. XXXX tracking number XXXX shows the package was delivered to XXXX, Kentucky on XX/XX/XXXX not my address. I never received the item. All emails to the merchant bounced back with mailer-daemon errors showing the address was inactive. The merchant 's storefront has since become completely inaccessible, consistent with a fraudulent operation. I filed a dispute with Capital One, submitted a formal escalation on XX/XX/XXXX, and a final appeal on XX/XX/XXXX, with full documentation including the order receipt, XXXX tracking, and bounce-back emails. Capital One denied my claim stating the merchant confirmed delivery relying entirely on documentation from a merchant with a dead email and a storefront that no longer exists. I previously filed CFPB complaint ID XXXX. Capital One 's response on XX/XX/XXXX again denied my claim without addressing the delivery address discrepancy. Their denial is based solely on the merchant confirming a delivery occurred not that it was delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent three certified letters to the credit bureaus ( XXXX, Experian , and XXXX ) requesting the removal of inaccurate student loan accounts from my credit reports. These letters were sent under my rights granted by the Fair Credit Reporting Act ( FCRA ). Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days. These student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is removed.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
XXXX XXXX XXXX I need all the late fees removed from the account, this is making my loan look like its behind 90 days and I made my payments. I have filed a claim with them but it is still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I requested that the company provide a lower payoff amount because the interest rate is absurdly high. She herself acknowledged that the interest rate was XXXX % per year and said there was nothing she could do because I had already passed the proportional period. I explained that I have no way to continue paying this amount and simply requested a reduced payoff amount so I could pay it in full, even if I had to borrow money, because I no longer want to be subjected to this interest rate. However, she was very clear in saying no. I find a XXXX % annual interest rate absurd and impossible to afford.

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