vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This situation has gone on far too long and reflects a pattern of bad-faith servicing by Bank of America rather than any genuine effort to assist.

I have documented financial hardship due to job loss and have continued to communicate and make good-faith payments when possible. Despite this, Bank of America continues to assess late fees and escalate minimum payments. Most recently, after I made a payment on one of my Bank of America credit card accounts, the bank still assessed a late fee. On another account, the minimum payment increased to an unaffordable amount during known hardship.

Rather than providing meaningful assistance or clear answers, Bank of America has repeatedly mailed copies of agreements and generic correspondence. This appears designed to create the appearance of working with the customer while avoiding any substantive resolution. Mailing paperwork does not address hardship, does not explain fee assessments after payment, and does not offer accommodation. It simply delays resolution and wastes time.

I have asked for clear, written explanations regarding : ( 1 ) why late fees are assessed after payment, ( 2 ) why minimum payments are increased during documented hardship, and ( 3 ) what actual hardship or payment assistance options are available. Bank of America has failed to provide meaningful responses to these requests.

This conduct is ruthless and unfair. I am not refusing to pay ; I am unable to meet inflated, penalty-driven obligations imposed during hardship. Continuing to charge fees, raise minimums, and send boilerplate correspondence instead of addressing the substance of my requests demonstrates bad-faith servicing and causes ongoing consumer harm.

I am submitting this complaint so the CFPB can review Bank of Americas continued fee assessment after payment, escalation of minimums during hardship, and pattern of non-responsive, form-based correspondence in lieu of meaningful assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Formal Complaint Regarding Improper Handling of Credit Card Dispute by Citi Bank I am submitting this complaint regarding Citi Banks failure to properly investigate and resolve a credit card dispute, which has resulted in an unjust financial loss of {$500.00}. 
On XX/XX/year>, I rented a vehicle from XXXX XXXX a XXXX  ( also called ADDCAR ) in XXXX. At the time of pickup, I was required to pay a {$500.00} security deposit. Upon returning the vehicle, an employee inspected it, confirmed there were no issues, and informed me that I could leave. I was not issued any citation, damage notice, or additional charges. Despite this, the {$500.00} security deposit was never refunded. 
After repeated unsuccessful attempts to contact XXXX XXXX XXXX XXXX, I filed a dispute with Citi Bank on XX/XX/year>. Citi Bank instructed me to contact the merchant and provided a phone number on file. I made multiple attempts using this number, but no one answered. 
Citi Bank then accepted my dispute and issued a provisional credit of {$500.00}. However, on XX/XX/year>, I was notified that the dispute had been denied, and the provisional credit was reversed without adequate explanation. 
On the same day, I located my rental agreement, which clearly states that the {$500.00} charge was a refundable security deposit. This document constitutes clear evidence that the charge was wrongfully retained. I immediately contacted Citi Banks dispute department and submitted the contract as supporting documentation. As of XX/XX/year>, I have received no response, update, or resolution. 
My complaint is based on the following issues : XXXX. Failure to Conduct a Reasonable Investigation The rental agreement clearly identifies the {$500.00} charge as a refundable deposit. Had Citi Bank conducted a proper review of the evidence, this would have been evident. The denial of my dispute strongly suggests that no meaningful investigation was performed. 
XXXX. Lack of Timely Communication Despite submitting material evidence more than 20 days ago, Citi Bank has failed to provide any response or status update. This lack of communication is unacceptable and inconsistent with fair dispute resolution practices. 
I respectfully request an immediate review of this matter and the permanent reversal of the {$500.00} charge.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the account pursuant to the Fair Credit Reporting Act. The information being reported is inaccurate and incomplete and has not been properly verified. Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), any account that can not be fully verified with complete and accurate documentation must be deleted. Additionally, the furnisher has failed to meet its obligations under FCRA 623 to ensure accurate reporting XXXX XXXX XXXX  {$5000.00} XXXX XXXX {$26000.00} XXXXXXXX XXXX {$410.00} XXXX  XXXX XXXX {$17000.00} XXXX XXXX XXXX  {$750.00} XXXX XXXXXXXX XXXX {$690.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the account pursuant to the Fair Credit Reporting Act. The information being reported is inaccurate and incomplete and has not been properly verified. Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), any account that can not be fully verified with complete and accurate documentation must be deleted. Additionally, the furnisher has failed to meet its obligations under FCRA 623 to ensure accurate reporting XXXX XXXX XXXX  {$5000.00} XXXX XXXX {$26000.00} XXXXXXXX XXXX {$410.00} XXXX  XXXX XXXX {$17000.00} XXXX XXXX XXXX  {$750.00} XXXX XXXXXXXX XXXX {$690.00} XXXX XXXX {$0.00}

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 2025-12-30 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: TX

Complaint narrative:
I am writing to request assistance regarding an interest charge of XXXXapplied to my Bank of America credit card account.

My payment was due on XX/XX/year> and I accidentally missed it and made 6 days after the due date due to an oversight. This is not typical of my payment history, as I generally make my payments on time and strive to maintain my account in good standing. Despite the short delay, Bank of America charged both a late payment fee and interest.

I understand the importance of timely payments and take responsibility for the delay. However, given the brief nature of the lateness and my otherwise responsible payment history, I respectfully request that Bank of America waive the late fee and any associated interest charges as a goodwill adjustment.

I contacted Bank of America directly, but I am seeking CFPBs assistance to help review this matter and facilitate a fair resolution.

Thank you for your time and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX I accidentally paid off my account with Comenity Capital Bank. The account statement was {$5000.00}. Somehow, I made a payment of {$5000.00}. The money has been withdrawn from my account as of XXXX,25. This screw up caused a - {$3700.00} in my checking account. Knowing that the account was overpaid with a negative balance, I tried to pay some bills and groceries. I was denied a {$140.00} charge at the grocery store. How embarrassing when the app shows {$5100.00} available credit. I called Comenity and they said it may take 3-10 days to post. I have 11 credit cards, this is never an issue with other banks. I

have been a customer for many years, but they don't care. They just recently raised the interest rate too. There should be a Law that doesn't allow these cards to raise interest when people are struggling. By the way no late payments here either. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open credit loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WA

Complaint narrative:
Today in the mail I received CHIME real card with my name printed on it, it looks absolutely real with expiration date and 16 digit account number I called CHIME and requested that to be closed and removed, since I didnt open any accounts with them. They sent me generic email where they say monitor your account and report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, me and my husband frantically drove to a place advertising that come to XXXX XXXX XXXX to come get a car, regardless of credit and with nothing down. Me and husband were desperate to get a car. So we drove from XXXX XXXX XXXX all the way to : XXXX XXXX, XXXX  approximately one and half drive. With the understanding we would get a good deal. But when we purchased the XXXX XXXX, we thought we had a fantastic deal. The calculations of ( 60 ) months a ( 22.99 % ) was justified to my credit that had us paying monthly of {$490.00}. Inquire about the no down payment as advertised, the XXXX XXXX XXXX salesman avoided the question. Stated ; no aware of that and said firmly!!! you have to leave a down payment, that our policy. 

XXXX, was successfully making monthly payment of ( {$49000.00} ) for approximately ( 2 ) years the work started slowing down. XXXX, decided to voluntary call Credit Acceptance and tried to negotiate a new payment plan, the agent stated could not do it. So XXXX inform them to come and get it. Then I read a article that Credit Acceptance were over charging the Auto Customer 's with High interest fees ( 22.99 % ) That's why it took us so long to pay back the Auto loan. Now Credit Acceptance hired a Debt Collector lawyer to garnish my wages. I think it was not fair to over charge with the illegal interest rate. Also : The CFPB and the NY Attorney General filed a significate law suit accusing Credit Acceptance of deceptive practices, hiding true costs, using aggressive collection tactics and violating New York 's interest rate limits.

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 2025-12-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
1. My wife XXXX XXXX passed away on XX/XX/XXXX XXXX. We had a Joint - JWROS - 11-month CD account no. XXXX that matured on XX/XX/XXXX. The total in that account was {$84000.00}. 
3. This account showed only on XXXX online banking but I lost access to that account in XXXX. 
4. I contacted Citi several times since then and requested that the funds be moved to my checking account number XXXX. 
5. They replied that I had to submit a Federal Transfer Certificate ( Form 5173 ) to the IRS and Form 706 / Form 706-NA. 
a ) Federal Transfer Certificate ( Form 5173 ) not applicable here Please note that Federal Transfer Certificates ( Form 5173 ) are issued only in connection with estates of XXXX XXXXXXXXU.S. citizens that own U.S.-situated property. The IRS guidance confirms that the program applies to estates of nonresident aliens and is not a procedure for estates of U.S. citizens. Because XXXX XXXX was a U.S. citizen, the IRS will not issue a Form 5173 for her estate. 

b ) Form 706 / Form 706-NA which ( if any ) applies Form 706-NA ( U.S. Estate ( and GST ) Tax Return for XXXX XXXX  ) applies only to decedents who are XXXXXXXX XXXXU.S. citizens. It therefore does not apply to XXXX. 
Form 706 is the estate tax return for U.S. citizens and residents, and it is required only if the gross worldwide estate ( plus certain adjustments ) exceeds the federal filing threshold for the year of death. For deaths in XXXX that threshold was {$13.00} XXXX ; the estate here is well below that threshold and therefore no Form 706 filing is required. 

c ) Joint account with right of survivorship ( JWROS ) The account at issue was held as a joint account with rights of survivorship. Under U.S. banking practice and state law, an account held with survivorship rights passes automatically to the surviving joint owner on death and is not a probate asset. For this reason, the surviving joint owner, XXXX XXXX, is the legal owner of the funds and the bank should release or retitle the account to him on presentation of a death certificate and identity documentation. 

6. I am wasting a lot of time and money calling Citi long distance ( I live in XXXX in XXXX ) and every time I get nowhere.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Sunbit, Inc.
State: IA

Complaint narrative:
I received an email from credit card servicer Sunbit - XXXX XXXX XXXXXXXX XXXX. aka XXXXXXXX XXXX The email from sunbit states that they need to verify my account. I have had the account for XXXX months. Opened XXXX XXXX with a {$2300.00} credit limit. Currently {$1900.00} balance owed and payments have been made accordingly. I have used the card for a car tow ; home window repair and my son 's rent. Sunbit has not been able to provide me with any reason WHY they need to verify my account but they are asking me to provide the following information via email - no encrypted portal no secure site just via email - XX/XX/XXXX Hi XXXX We need more information to verify your account. Please email the following items to XXXX by XX/XX/XXXX ( you can do that by replying to this email ) -A picture of yourself holding your valid state issued ID or driver license with the ID clearly readable -A picture of the front of your valid state issued ID or driver license. 
-A picture of the back of your valid state issued ID or driver license -A copy of your most recent utility bill, dated within 60 days -A picture of your social security card -A bank statement matching the payment method you entered. 

I have refused to provide this and have contacted Sunbit twice asking about their reasoning and they can not provide any information. This is absurd and a complete violation of my privacy and a risk for identity theft. I have done nothing wrong have never been late on a payment and pay more than the minimum due. No bank has EVER asked for this information. I have several credit cards. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: PA

Complaint narrative:
I opened my first cash app in XXXX. My cash tag was XXXX XXXXXXXX. I had this account with a debit card dealt with mostly the same people and merchants during this time with no problems. In XX/XX/XXXX my phone broke and I sent it out for warranty, so I had to wait like 7-10 business days to get my new phone. So I was at my friend 's house he lives like 3 houses down after work. His girlfriend was there and her friend. So I asked my boy 's girlfriend 's friend if I could use her phone to check my email, bank account, cash app., and just made sure everything was like it was supposed to. So after using her phone whatever app I used I logged out some apps l had to Install then login do my business log out and uninstall the apps she doesn't have. Well she didn't have cash app a d I clearly thought I logged out and uninstall the app. So a week goes by I get my new phone im downloading all my apps. So I go to cash app and see a second account was made in my name with cashtag XXXX XXXXXXXX and with a totally different address. So I call cash app I live chat on the app telling them that this second account isn't mine please delete it. They said we can't just close an account. I said there's no money in it please close it. And at this same time I have my boy call this girl and she denies making it. So I was so dumbfounded that cash app couldn't see a 5 year account same people sending me money or I send them money. Same merchant s. Then this second account with all these names I don't k ow. Alot of request for money from her mom I found out seeing the name. So I closed my account opened a new cash tag XXXX XXXXXXXX. I got the new debit card activated it but this whole time talking to cash app support to delete this account XXXX can't they see it has a different address. Well I went to login to my cash app they terminated every phone number email or cash tag thst ever was linked to me saying i went against some policy. I kept requesting XXXX $ to this account to see if they closed it for days XXXX and every day my request went through. So cash app decided to terminate all 3 accounts. I did nothing wrong I have emails saved that I wrote complaining to close the account. So I want to appeal so I can get to use cash app again!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WEAPONIZATION OF THE DISPUTE PROCESS - Reference : XXXX To Wells Fargo This correspondence constitutes a formal notice of retaliatory claims handling and improper denial of a valid consumer dispute in the amount of {$30.00}. 

The transaction at issue was acknowledged in writing by the merchant, who expressly confirmed that a refund would be issued. No refund was ever processed. This alone satisfies the evidentiary standard for a valid chargeback under applicable consumer protection regulations. 

Despite this documentary proof, Wells Fargo reversed the provisional credit and denied the claim. The only reasonable inference is that the denial was not evidence-based but retaliatory, following prior escalations involving your crooked representatives identified as XXXXXXXX XXXX XXXX XXXXXXXX. 

This conduct is not merely deficient customer service. It is a procedural abuse of the dispute resolution process, undertaken with knowledge of the factual record and in disregard of the merchants written admission of liability. 

I will not remit the {$30.00} amount back to Wells Fargo under any circumstances, as this sum represents funds rightfully owed to me by the merchant and improperly withheld despite written confirmation of a refund. 

If Wells Fargo proceeds with adverse reporting of this {$30.00} amount to any credit reporting agency, XXXX, or similar database, such reporting will be treated as knowingly false and defamatory. Any such action will be met with immediate legal challenge supported by the merchants written refund confirmation and the dispute history establishing bad-faith handling. 

Wells Fargo is hereby placed on notice that this matter is being preserved for litigation and regulatory referral, including but not limited to the Consumer Financial Protection Bureau and state banking authorities. 

The appropriate corrective action is straightforward : Immediate reinstatement of the provisional credit as a permanent refund. 

Failure to cure this violation will be interpreted as willful misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent credit card transaction that I reported to Citi in XX/XX/year> and and that remains open despite multiple calls and follow ups. 

The transaction was unauthorized, and I was not in the United States at the time it occurred, making it impossible for me to have initiated or approved it. Since XX/XX/year>, there have been no new transactions on the account. All amounts added to subsequent billing statements consist solely of interest and late fees resulting from the banks failure to conclude the fraud investigation. 

Despite timely reporting and repeated follow-ups, Citi has failed to : XXXX. ) Conclude the fraud investigation XXXX. ) Remove the fraudulent charge XXXX. ) Reverse fees and interest caused by the delay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid this debt off in XXXX of XXXX, to get my credit in order to purchase a house. Since this time, they have continued to report it as an active collection, causing my score to decrease. I contacted them to correct this issue and was sent a letter without the month it was paid off. In XX/XX/year>, I called the company, and we agreed to settle for {$330.00}, which was paid 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 explanation