vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I filed a dispute with OnePay ( XXXX XXXX, XXXX ) on XX/XX/XXXX for fraudulent charges totaling {$44.00}. I followed all instructions and was told no additional information was required. OnePay then provided contradictory and misleading information about provisional credit, including telling me I was eligible, then possibly eligible, then that I would receive an email on XX/XX/XXXX, and then that I would only receive credit if eligible. During multiple chats, OnePay representatives used automated, copyandpaste responses, responded instantly while I was typing, and repeatedly closed the chat within seconds. One representative impersonated a supervisor, and when questioned, immediately closed the chat. When I submitted a full written complaint, it was ignored, not acknowledged, not logged, and the chat was closed again. Because OnePay failed to issue a provisional credit or resolve the dispute in a timely manner, I was unable to pay a bill due XX/XX/XXXX. This caused a {$40.00} late fee, a {$35.00} reconnection fee, and my account went negative, preventing me from accessing emergency funds. I support a family of six, and this caused significant financial hardship. I am requesting CFPB assistance because OnePay has demonstrated negligence, misrepresentation, failure to follow dispute procedures, and obstruction of the complaint process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America XXXX XXXX, XXXX XXXX is refusing XXXX provide access XXXX my account by denying me a debit card. I went XXXX the bank XXXX was told by her that someone was trying XXXX access the account. She refused XXXX give me information of the transaction XXXX cancelled the card XXXX failed XXXX immediately issue a temporary card nor send me a card in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is xxxxx XXXX is 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I am disputing the reporting of Aargon Agency on my consumer credit report. This account should not be reported because Aargon Agency is a third-party debt collector and has failed to provide competent evidence that I have any contractual obligation with them. I have never signed a contract, agreement, or other document with Aargon Agency, nor have they provided any documentation bearing my signature that establishes liability for this alleged debt. Despite my requests, the company has failed to properly validate the account. Further, the continued reporting of this account without adequate verification raises concerns under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681, which requires consumer reporting agencies and furnishers to maintain maximum possible accuracy of information reported on consumer reports. I request that Aargon Agency provide complete validation, including the original signed contract, chain of assignment, and proof of their legal authority to collect this alleged debt. If such documentation can not be produced, I request the immediate deletion of this account from all consumer reporting agencies. Thank you for your prompt attention to 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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made a trip to Citibank on XX/XX/year>. Wrote a check for {$5000.00} from my XXXX XXXX account to apply to credit card. Citibank accepted payment and posted payment on XX/XX/year>. The check cleared the same evening on XXXX XXXX side. Citi then placed a 15 day hold on the credit card payment to verify payment is good. We all know that with todays technology banks know out right that checks are good or not within 2 business days. So Citi gets invest these funds for 15 days, not credit the credit card account and I miss out on the little interest I would of collected from XXXX XXXX on these funds. When I called Citibank, they sent a secure link so I may log into my XXXX XXXX account so they may look at the payment. This is outrageous that they can only resolve via dialing into my other bank accounts. It is not their business to see the balance in that account. A copy of cleared front and back should suffice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
i was scammed and received a fraudulent check which i mobile deposited check 1 XX/XX/XXXX XXXX $ check 2 XXXX XXXX XXXX check 3 XX/XX/XXXX XXXX these checks were returned to my bank check 1 XX/XX/XXXX check 2 XX/XX/XXXX check 3 XX/XX/XXXX which caused my credit card to do a overdraft advance of XXXX on XX/XX/XXXX I made a credit card payment of XXXX $ on XXXX to XXXX and a XXXX $ payment to XXXX witch was taken back off both accounts usaa cards On XXXX i called again to contest these checks and was told that i am not able to contest them cause i made them through a mobile deposit, i also contated usaa about a fourth XXXX $ check that i did not try to deposit, usaa claims to cover all kinds of fraud but will not cover fraudulent checks, on XX/XX/XXXX i bought a XXXX $ gift card to send to the fraud individuals, on XXXX i sent a wire transfer to XXXX XXXX for the amount of XXXX $ this is one of the wire transfers i reported it to usaa, on XXXX i sent a wire transfer to XXXX on XXXX XXXX for XXXX $ which was part of a pig butchering scheme i sent a detailed spreadsheet to usaa which has every transaction i made to this scam, i lost over XXXX $ last year to this i would like someone that is willing to help me recover from this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Over {$60000.00} has been collected by Wells Fargo on this predatory loan. Wells Fargo has refused refund and cancelation of the balance of this refi. Transfer of cash approved has been dispersed between more then four companies. XXXX XXXX, XXXX. XXXXXXXX XXXX, Wells Fargo. No cash out has been received by allege borrowers. Over 70 complaints filed to CFPB and will now be reported to FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America for failing to correct inaccurate negative data reported to consumer reporting agencies ( ChexSystems and XXXX XXXX XXXX XXXX XXXX which has effectively blacklisted me from the banking system for over four years. Background and Dispute : Account History : I was a loyal customer with Bank of America for over 21 years.Sudden Closure : In 2022, Bank of America suddenly closed my account. The current balance is {$0.00}. The Root Cause : After years of searching for answers, I was finally informed that a third party attempted to commit fraud against my account. I am the victim of this third-party fraud, not the perpetrator. The Issue and Harm Caused : Despite my status as a fraud victim, Bank of America reported this incident to XXXX XXXX XXXX as a negative event. This inaccurate reporting has caused me severe, documented financial and emotional distress, preventing me from opening any checking or savings account nationwide for nearly half a decade. Failure to Resolve : I have made exhaustive daily attempts to resolve this directly with Bank of America. I am routinely placed on hold for hours and given conflicting information. The bank refuses to correct their error and continues to give me the runaround instead of investigating my dispute as required under the Fair Credit Reporting Act ( FCRA ). Desired ResolutionI request that Bank of America immediately take the following actions : Submit a Universal Data Form ( UDF ) or an official electronic update to both Early Warning Services ( EWS ) and ChexSystems to completely remove the negative reporting or update it to show I was a victim of third-party fraud.Cease and desist reporting this closed, zero-balance account as a risk or negative event.Provide a formal letter confirming that the account was closed due to external fraud and that Bank of America has requested the removal of the negative data from all consumer reporting registries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to BMO Bank to deposit 5 checks in the ATM on Thursday, XX/XX/2026 at XXXX. The ATM ate the checks despite the fact that I asked for the checks back from the ATM. I waited outside the bank as the ATM was trying to do something, there was a circle trying to reboot. As I waited, a representative came out and I explained the situation and he said he could not do anything about and offered no help. I continued to wait in front of the ATM machine because I did not want the checks to be spit back out and I was not going to be there. Another gentleman came out and I explained the situation and he took a picture of my ATM card and told me that they were going to service the machine the next morning and that he would pull the checks out. He went inside and put the machine out of order and he would deposit them in my account. I checked the next day and the checks were not deposited to the account. I was the first one in the bank and talked with another representative. I again explained the situation and she told me all we can do is file a complaint. I asked her to get the checks out and she said she couldn't and rudely said if I wanted o file a dispute. No choice but to file so I did. I inquired how long before get checks back. She told me 7-10 days. I returned a week later and as no deposit and no checks. I again met with the gentleman who took a picture of my ATM card and he made several phone calls and was told by the company that services the account, that they saw the checks. They would send the checks to bank. Again he said he would deposit them into my account. Again no deposit. The gentleman again called the company that services the ATM machine and now is told they will investigate and it will take 30 days. In the interim my checks are bouncing. I have tried to talk to the manager but she is never their. I went today and again was told manager not there and that she is in a meeting and it would 24 to 48 hours before she calls me back. The checks amount to {$830.00} as follows : Check no : 2XXXX in the amount of {$320.00} XXXX {$230.00} XXXX {$85.00} XXXX {$85.00} XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have found on my credit report that an inquiry was done with my credit information. I have never attempted to get a credit card with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/year>, my spouse and I attended a XXXX vacation ownership presentation in XXXX, Florida. During the presentation, we were encouraged to apply for a Barclays Wyndham Rewards Earner credit card. The sales representatives described the card as having a 0 % introductory APR for 15 months. Based on those representations, I understood that purchases made on the card would not accrue interest during that promotional period. I was not told this was only for balance transfers. I was told this was for any purchases. This understanding was a significant factor in my decision to open the account. Based on my understanding of the offer, I expected I had 15 months before interest would be charged on purchases and planned my repayment strategy accordingly. As a result, I did not realize that interest was accruing immediately on those purchases. I later learned that the 15-month 0 % APR promotion applied only to balance transfers and not to purchases. Had this distinction been clearly explained during the sales presentation, I would not have used the card in the manner I did. As a result, I incurred approximately {$3100 .00} in interest charges that I did not anticipate when opening the account. I understand Barclays has reviewed the written account terms and determined they do not support my understanding of the offer. However, my complaint concerns the manner in which the card was marketed and presented to me during the Wyndham sales presentation. The presentation created the impression that purchases would receive the same 15-month 0 % APR treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a savings and checking account with Citibank on XXXX after XXXX bank was blocking me from accessing my money to transfer for other banks by withholding over XXXX in checking account with no interest. I also had too many hacking taken place with my emails and phone number with XXXX account. But XXXX started locking me out of funds by depositing cash to savings that I clearly asked them to deposit in checking. The second time I was locked out soon after I used the card for some purchase. It appears like all my banks and cards are being blocked to allow me to use only XXXX account, I received this money through a legal battle for my home which the authorities tried to withhold from me but I got that after filing a FBI complaint but soon after that it became highly impossible to either transfer to my bank I abroad or to any other bank in the US. Citibank has frozen my acciunt stating that my second phone number is not able to verify but also refusing to revert back to myfirst phone that i originally opened my account with. Both phone numbers are veing verified by other banks and agencies except citibank so I have to assume this is done intentionally I have offered multiple forms of ID and I am leaving the country in the next few days and this freeze is leaving me completely stranded with no access to my money after all other sources are being locked in. XXXX XXXX is also locking my money and allowing access after my travel date and they are also stating that the transaction for XXXX can be reversed or deposited so that I won't have much option to secure or control my money while I am out of country. This is a co- ordinated effort to lock my funds, stop me from benefiting the conversion rate of the currency, planning to take it using other fraudulent ways through credit default as I already see some false credit reporting in my account soon after I received this money and even before I deposited to stop me from opening accounts with secured banks like XXXX XXXX Please take this as an emergency complaint and request citibank to do in person verification immediately as I am traveling on XX/XX/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 non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tonight Bank of America called threatening to report my car. I explained cfpb investigation and communication as well as they needed to take off interest and late fees she said no we are coming to take our car. I said I did my part I notified you at XXXX ca XXXX and XXXX headquarters in FL XXXX. XX/XX/year> I get calls monthly and i request same claims I had to show evidence I bought gap insurance when I bought vehicle and auto protection insurance why don't unsendvme the claim I told her to learn the XXXX title XXXX law I'm XXXX and your calling threatening me I'm reporting you. She said I don't care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I received a bill for date of service XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX, I spoke to XXXX XXXX XXXX and was told that the account was paid in full, there was a XXXX balance and the account was not sent to Collections. In XXXX, I received a new bill with XXXX explanation on why I was getting a bill. I spoke to a supervisor, Rem, on XX/XX/XXXX at XXXX XXXX, at the number above and was told that he would review and request a write-off as I received incorrect information in XXXX and there was still a balance. He acknowledged that the balance was XXXX at the time I called in XXXX. He stated that he would put the account on hold for 30 days, which I understood to mean that they would not try to collect the balance within that 30 days as it was in dispute. I asked to make a formal complaint and was told that I would need to fax or mail it in. From my perspective, this is an attempt to make the process so burdensome that patients will not make a complaint. Today, XX/XX/XXXX, I received a call from XXXX. I asked the caller if they were calling from XXXX XXXX XXXX XXXX or from a third party and the caller replied that they were calling from XXXX XXXX XXXX XXXX. While on the call, I found that out through an internet search that that number belongs to a Collections agency, Central Financial Control. On XX/XX/XXXX at XXXX XXXX, I spoke to XXXX XXXX a supervisor at XXXX and was told that XXXX XXXX an over payment and so I was obligated to the debt. XXXX did not see any problem with the representative from Central Financial Control misrepresenting themselves as calling from XXXX XXXX XXXX XXXX and would not provide any further assistance. I have 4 complaints : 1 ) the caller on XX/XX/XXXX from Central Financial Control misrepresented themselves as calling from the XXXX and not from a third party. This is a confusing practice and is an unfair and deceptive collection practice. 2 ) the caller on XX/XX/XXXX from Central Financial Control would not provide their name and I only found the company that they were calling from through an internet search. This is deceptive. 3 ) I did not receive any notification of any changes to the balance on my account or any explanation of why I was getting a bill months after being told that my account balance was at XXXX, nothing was owed, and that my account was not sent to Collections.. In addition, I was not notified that the account was going to be sent to Collections. This is unfair as I was not able to take action on the account prior to it being sent to Collections. 4 ) Requiring patients to fax or mail a complaint is unfairly burdensome to the patient and gives the perception that they are trying to prevent patients from making a complaint in good faith. The actions prompting my complaints appear to violate XXXX in various ways.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 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: PA

Complaint narrative:
I am a loyal customer with an excellent payment history. I set up automatic payments on my credit card account in good faith to ensure my bill would be paid on time. However, Bank of America 's platform is completely vague and ambiguous about exactly when a new autopay schedule officially starts, leaving me with no clear start date. Because of this lack of clarity and systemic confusion, a payment did not process as expected, and I was hit with an unfair finance charge. I contacted customer service to request a standard one-time courtesy waiver due to this system confusion, and my request was denied. I am asking for Bank of America to reverse this finance charge given my history, their highly confusing autopay interface, and the fact that I acted in good faith

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