vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: IN

Complaint narrative:
My spouse took out a joint debt consolidation loan under both our names with XXXX XXXX for approximately {$9000.00} without my knowledge or consent in XX/XX/XXXX. I didn't find out about this until XX/XX/XXXX when he was hospitalized and my son had to help with paying our bills. My son discovered accounts, including the one with XXXX, that my spouse had kept hidden from me. We have had separate checking accounts for many years. This loan was deposited into his checking account. To this day, he will not tell me what he used the money for, and XXXX refuses to give me any detailed information on why the account was opened in the first place. I contacted Upgrade regarding this fraudulent loan on XX/XX/XXXX, and after an investigation, Upgrade substantiated my claim by XX/XX/XXXX and submitted requests to XXXX XXXX XXXX XXXX to remove the tradeline from my credit report. On XX/XX/XXXX, I also submitted a FTC Identity Theft Report regarding this fraudulent account and others my spouse had also kept hidden. For a time, I thought this issue was resolved on my end, and that my spouse alone would be held accountable for the loan. But in XX/XX/XXXX, I received a letter from XXXX stating that this debt was being charged-off in my name as my spouse stopped making payments on it. In XX/XX/XXXX, I received a letter from FMA Alliance , Ltd. stating that there was a " PL Fraud Repurchase '' from XXXX XXXX, and that I now owed the remaining balance of this fraudulent account to them in the amount of {$3300.00}. In XX/XX/XXXX, I requested Upgrade to send me confirmation that they had substantiated my fraud claim, and that I was no longer going to be held liable for this account, and they did so, but I have continued to receive letters from FMA Alliance claiming that I am personally liable for this debt. I have sent FMA Alliance a certified letter specifically requesting for them to resolve this issue, but USPS has been holding the letter for two weeks so far after making one attempt to deliver while the company was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
On the XXXX of XXXX I met this girl on XXXX whos in the XXXX XXXX XXXX XXXX like me, while we were talking she was mentioning a day trading and i was very interested and so I asked her questions about it. I never thought I would be scam considering this girl name XXXX is in the XXXX XXXX so I asked her about the whole thing. She said her mention is name XXXX XXXX and she provided me her email. So I reached out to her asking her for the information, this girl name XXXX explained everything and told me that all I need to do is give her money to buy a investment and her company XXXX will do the rest. So on XXXX of XXXX I send her XXXX as a first payment to my investment then a few minutes after she asked for a fee which is XXXX so i send. I really thought this is all legit because the girl who gave me her information is part of the XXXX XXXX. Then all the sudden XXXX just keep asking and asking for money because she said if i wont pay i wont get my investment and money back. My whole bank/money was/is being hostage if I dont pay her the fee. I repeatedly ask if i could get a refund and she would not pay me back unless i give her the fee, I reached out to XXXX about this mentor but no response at all. Then i started doing my research and came to find out everything she did was a scam/fruad, I immediately called USAA and reported. They did a temporary dispute on my account I was told they will do an investigation but decision came out not even a week. I then researched about USAA and everyone have reported them saying USAA has been a horrible and disappointing customer service when it comes to fraud and scam because they never really know how to do a proper investigation. I came here to do a thorough investigation and review with my situation. I lost XXXX and at least they can do is meet me half way to this money if they cant provide the full amount. I blocked the individual after this situation. This is her information is XXXX and her manger is XXXX. If needed a evidence then I can provide. This girl is so desperate for money that will do anything to get the money. With the evidence I will provide is just the beginning of our conversation. Like I said earlier I never thought of being scam because XXXX and i both served in the country.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Issue Ongoing non responsiveness from XXXX XXXX and its outside counsel regarding a submitted settlement proposal and failure to provide status or acknowledgment. Complaint This matter has an established history of documented hardship and prior CFPB complaints already on file with XXXX XXXX. I submitted a General Release and Settlement Agreement as a pre litigation settlement proposal in the current matter being handled by Patenaude and Felix. There has been no acknowledgment of receipt, no confirmation of review, and no written response regarding its status. This issue predates involvement of outside counsel and continues a pattern of non responsiveness previously documented. I am now also elevating this matter in light of executive level involvement at XXXX XXXX to ensure the record is fully considered in the current review process. I request that XXXX XXXX Confirm receipt of the General Release and Settlement Agreement. Confirm whether it has been reviewed or escalated internally. Provide current status of the settlement proposal. Confirm how the existing documented record is being considered in this review. I am requesting CFPB assistance due to continued failure to acknowledge or respond to a formal settlement submission despite prior documented history and escalation attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
What happened : In XX/XX/2026, I purchased two airline tickets through XXXX ( operating in partnership with XXXX ) for travel on XXXX XXXX XXXX from XXXX, XXXX to XXXX, XXXX XXXX. The charge of {$790.00} for the second ticket was placed on my XXXX XXXX. Two days before the scheduled travel, my uncle passed away. Due to this family emergency, neither I nor my sister-in-law ( the second passenger ) were able to travel. I immediately contacted XXXX / XXXX to cancel and request a refund under bereavement circumstances. They opened a case on XX/XX/2026 ( Customer Reference : XXXX ) and told me the documentation would be forwarded to the airline for review. When the case dragged on without resolution, I filed a dispute with XXXX for the {$790.00} charge. XXXX closed the dispute in favor of the merchant, stating that XXXX had informed them the ticket was non-refundable per their standard fare rules. The problem is that this response from the merchant was incomplete and misleading. At the time XXXX communicated with XXXX, my refund case was still actively open under bereavement review, and the airline had not yet issued any denial. XXXX omitted this critical context and represented the matter as a standard non-refundable transaction. I have written documentation proving the case was still open at that time, including an email from XXXX ( XXXX XXXX XXXX ) dated after XXXX closed my dispute, confirming the case was still pending and requesting additional documentation. Since then, XXXX has issued another communication informing me that they can not process the refund and have instructed me to contact the airline directly. I have done so and am pursuing the refund with XXXX XXXX XXXX. However, I am writing to the CFPB because XXXX relied on incomplete merchant information to close my dispute prematurely. What I am requesting : I am asking that XXXX reopen the dispute and conduct a proper review based on the complete facts, including the written evidence that the merchants refund case was still open at the time the dispute was closed. I have all supporting documentation available, including correspondence with the merchant, the death certificate, and my own birth certificate and passport. I have also filed a formal complaint with the U.S. Department of Transportation regarding the merchants handling of this refund. I am pursuing every legitimate channel available to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: WA

Complaint narrative:
On approximately late XX/XX/year>, XX/XX/year>, and XX/XX/year>, I contacted Bank of America by phone on three separate occasions to report that I was at risk of identity theft and a potential XXXX swap fraud on my account. Each time, bank representatives acknowledged my concern and promised to send dispute forms and documentation to my email address so I could formally initiate the dispute process. No email, forms, or follow-up communication were ever sent after any of those three calls. As a result of Bank of Americas failure to act on my repeated warnings, unauthorized transactions were processed on my account. When I later attempted to dispute those transactions, Bank of America denied my claims despite having been notified in advance of the identity theft risk and having failed to fulfill their own promise to send dispute paperwork. I have an active FTC Identity Theft Report filed on XX/XX/year>, and a police report filed with the XXXX XXXX XXXX XXXX. I notified Bank of America before and during the period when the fraudulent activity occurred, and the bank took no protective action.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime mobile banking app allowed individuals with known fraudulent activity on the account continue to operate so when I a longtime trusted chime member And I trusted making a payment through chime. They say that because I sent the money I'm at faults and they can't refund me my money but at the end of the day I was sending money to someone under false pretenses because I was supposed to be getting a piece of property paying my first month 's rent for this piece of property and security deposit to find out that it was just a scam I have taken the proper steps and notifying the police and my financial institution chime which I trusted and no longer trust anymore because I feel that they did not do their job they failed and this is negligence on their part had this individual not been able to still have an active account they would not have been able to trick me into sending them money they did so because they were still allowed to have an account on chime even after time knowing and admitting to me which I have in recording that there is known fraudulent activity being flagged on that account so why was I not warned before I sent a large sum of money to this chime member. I mean even cash app does that. I pay bills through my bank. That's usually what people do pay their bills through their bank account. I thought I was paying a bill through an account of another trusted chime member and then receiving the property I just paid for. Chime couldn't answer my questions and hung up on me twice. Chime being aware that this account member is still flagged for fraudulent activity and continues to be open and able to operate directly makes it their responsibility to refund me my {$1000.00} they should protect their members. This was clear negligence of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$260.00} to my Elan Financial Services credit card account by telephone. Elan 's records show this payment as : " MOBILE PAYMENT FROM XXXX XXXX XXXX {$260.00} Elan 's records also show an additional payment on the same date : " AUTOPAYMENT FROM ... XXXX '' {$260.00} After the automatic payment initially failed, Elan subsequently initiated a retry payment, which my bank records show as : " DIRECT DEBIT ELAN RETRY PYMT '' on XX/XX/year> {$260.00} Because I had already made a payment, I contacted Elan Financial Services to report the duplicate transaction and request that the second withdrawal be reversed. During that conversation, a supervisor acknowledged the issue and agreed that a refund would be processed within five to seven days. However, the supervisor refused to provide a full name or employee identification number. Since that time, I have received inconsistent information from Elan representatives, and no representative has been able to explain the status of the promised refund or provide a clear accounting of the transactions. I also briefly observed what appeared to be a fee or adjustment in the amount of approximately {$30.00}, which later disappeared, and no representative has been able to explain that activity.

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 2026-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XX/XX/XXXX I applied online for a Bank of America credit card to use for a balance transfer. After reviewing the offer terms, I declined the offer and closed the application. The following morning I discovered through the Bank of America mobile app and through credit monitoring alerts that an account had been opened in my name and reported to all three credit bureaus as a new open tradeline. I did not authorize the opening of this account. I contacted Bank of America the same day. A representative closed the account and told me it would be removed from my credit report within a few months. When it was not removed, I filed disputes with XXXX, XXXX, and XXXX. All three returned verified by Bank of America with no substantive change. On XX/XX/XXXX I spoke with a supervisor who issued case number XXXX and stated he would personally file disputes with all three bureaus. A subsequent dispute returned on XX/XX/XXXX with only a minor correction to the account closure month. On XX/XX/XXXX I confirmed by phone with XXXX that no dispute documentation from Bank of America had been received on this account. That same day, after approximately two hours on the phone and four transfers, a Bank of America representative told me that submitting the application alone was sufficient to open the account regardless of whether I accepted the offer. This is inconsistent with Bank of Americas own public application materials, which describe agreement to the cardholder disclosures as a separate step following approval. No cardholder agreement appears in my Bank of America Online Document Center for this account, which would be expected if I had completed electronic acceptance of the disclosures. On XX/XX/XXXX I sent a certified letter to Bank of America Executive Customer Relations formally disputing the account and requesting documentation of my acceptance. The letter was delivered and signed for on XX/XX/XXXX ( XXXX tracking XXXX ). More than 30 days have passed and Bank of America has not provided any written response or any of the requested documentation. When I attempted to follow up through Bank of Americas social media support channel, I was told on XX/XX/XXXX that an advocate had been assigned to my case but that the channel could not provide that advocates name or contact information and could not be used for follow-up. This experience is consistent with the pattern of unauthorized credit card account openings that was the subject of the Consumer Financial Protection Bureaus XX/XX/XXXX consent order against Bank of America. I have made good-faith attempts to resolve this directly across phone, certified mail, and written channels over more than five months without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
I needed to make a payment on my student loan but did not have the money. I found this loan on XXXX or spam email and thought it would be a quick and easy solution. I borrowed {$1200.00} and have made 20 weekly payments of {$160.00} and the say I owe over {$2000.00} more. I have already paid {$3300.00} on a {$1200.00} loan. I can't afford to pay any more! They are threatening to garnish my wages although I am currently XXXX. Please help me with this terrible predicament I have gotten involved in. I appreciate your assistance with this matter Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I attempted to withdraw {$5000.00} from a Wells Fargo ATM. The ATM only dispensed {$20.00} in cash. Immediately afterward, the ATM displayed a message stating : Cash Retained. Because you did not take your cash promptly, the ATM has taken it as a safeguard. Despite only receiving {$20.00}, Wells Fargo debited the full {$5000.00} from my checking account. I immediately reported the issue and filed a claim. During the investigation, Wells Fargo issued a temporary credit of {$4900.00} to my account. After Wells Fargo denied my claim, the temporary credit was reversed and removed from my account. I was not notified in advance that the temporary credit would be taken back. I only became aware of the reversal after the funds were withdrawn from my account, causing my account balance to become negative. I appealed the decision, including through Wells Fargos Executive Office, but the claim was denied again. I dispute Wells Fargos findings because I only received {$20.00} from the ATM, not the full {$5000.00} that was charged to my account. Additionally, the ATM displayed a Cash Retained message, indicating that cash was retained by the machine. I am requesting a complete review of the ATM transaction records, cash retention/retraction records, ATM balancing records, I am seeking reimbursement of the {$4900.00} that was withdrawn from my account but never received.

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 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I was approached by a representative from XXXX in XXXX XXXX, TX. I was explicitly promised a solar system that would provide a significant energy offset, severely reducing or completely eliminating my electric bill. The contract expressly included a comprehensive workmanship and maintenance warranty ensuring that XXXX would service, monitor, and repair the system for 25 years. XXXX directly facilitated a financing agreement through their preferred lending partner, Goodleap, totaling {$67000.00}. In XXXX XXXX, XXXX abruptly filed for XXXX XXXX bankruptcy and ceased all operations without notifying me. As a result, my solar system is currently : Offline since XX/XX/XXXX. I am facing an extreme financial double-burden : paying the substantial monthly Goodleap loan fee alongside an unexpectedly high electric utility bill from XXXX XXXX XXXX because the system is failing. The workmanship warranty I paid for is entirely voided. Because other local solar companies require steep out-of-pocket fees to touch systems they did not install, I am financially stranded. The solar contract and the Goodleap loan were presented as an inseparable, bundled product. Despite XXXX 's material breach of contract and sudden closure, Goodleap continues to demand full monthly payments under threat of damaging my credit score. Goodleap financed a product dependent on a service agreement that has completely collapsed, leaving me paying for equipment that does not work as promised. I have attempted to contact XXXX customer service via phone on multiple occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, resulting in disconnected lines and unreturned messages. I contacted Goodleap on XX/XX/XXXX and several times thereafter to report that the installer is bankrupt, and the system is Offline. Goodleap refused to freeze, reduce, or rescind the loan, insisting that my financial obligation is independent of the systems performance or the installer 's existence.

Company response to consumer: Closed with explanation