vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
We are requesting a full explanation & investigation of possible fraud, per Carrington Mortgage Customer Service phone call on XX/XX/XXXX on why we were sent an ACH Letter dated XX/XX/XXXX through the Carrington Mortgage documents portal for us to start making ACH payments to XXXX  XXXX XXXX. It makes absolutely no sense to us how Carrington would have any information from XXXX  XXXX XXXX and an old mortgage account number that XXXX was XXXXervicer on over 7/years ago & 4 Servicers in between. We are requesting who is name of the person ( s ) and the business entity they are employed with who downloaded the ACH for us to payments to XXXX XXXX XXXX. When we questioned Carrington Mortgage Customer Servicer, Customer Advocate and Escalation Departments, we were shockingly told that we need to be aware and lookout for possible fraud as there is lots of fraud going on. When I questioned that I heard this correctly & Carrington is telling us to be careful with payments on the Carrington portal for Fraud. This is unbelievable to hear & just continues a long list of contradictions, lies, mistakes, errors, and issues we have had, since Carrington became Servicer in XX/XX/XXXX, less than XXXX ago, the list is much too long to be just incompetence. If payments or Servicing has somehow gone back to XXXX  XXXX XXXX for our account, we have received No Formal Correspondence to make us aware of, otherwise we see no logical reason we should be making any ACH payments to XXXX  XXXX XXXX on XX/XX/XXXX, as per the ACH Letter from Carrington Mortgage XX/XX/XXXX. Please investigate and research with your findings as soon possible for this very serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We lost our home in a wildfire that has a mortgage held by Bank of America. They held back the insurance proceeds equalling to the principal loan amount. Now that construction has started, we are in need of the funds held by Bank of America as we have exhausted the rest of the insurance funds. Our claims handler, XXXXXXXX XXXX XXXX XXXX  has made it as difficult as possible for us to retrieve these funds. She does not read the correspondence sent to her and gives us a blanket denial without calculating the numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Revocable Trust. I am reporting JPMorgan Chase for Financial Elder Abuse and per se violations of the Unruh Civil Rights Act ( Cal. Civ. Code 51 ). 
XXXX. DISCRIMINATORY SERVICING BLACKOUT : On XX/XX/XXXX, Chase Bank implemented a 'Servicing Blackout ' at the XXXX XXXX XXXX, denying reasonable accommodation to a bedridden principal despite the presentation of a valid Power of Attorney. This obstruction prevented access to survival assets required for emergency care. 
XXXX. UNLAWFUL CONVERSION : The bank is facilitating the unauthorized retention of {$10000.00} in Trust assets ( Case # XXXX ). Despite formal notice of this conversion, the bank has failed to secure the funds or provide a statutory accounting. 
XXXX. FORMAL SERVICE OF NOTICE : On XX/XX/XXXX, the Chase XXXX XXXX XXXX and Legal Department were served via XXXX XXXX Mail ( Job # XXXX ) with a 'Notice of Intent to Litigate ' and 'Demand for Preservation of Evidence. ' A secondary notice was dispatched XX/XX/XXXX ( Job # XXXX ). 
XXXX. LIFE-SAFETY EXIGENCY : As a Mandated Reporter, I am flagging this as the financial exploitation of a vulnerable estate. The bank 's refusal to honor valid legal instruments has created an immediate life-safety exigency and obstructed professional fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$15.00} of interest by Synchrony Bank on my MyLowes Rewards Credit Card account. I contacted Synchrony Bank on XX/XX/year>, to dispute this accrual charge. My account has a promotional balance ( no interest charged if paid within 12 months if minimum monthly payments are made ), and a non-promotional balance. I expected my payments to be towards any non-promotional balances. The Synchrony Bank chat representative I was connected with and messaged, XXXX, informed me that my payments were being split between my promotional and non-promotional balances, and that I had to opt-in to having my payments be allocated in such a way as to avoid incurring interest. I am concerned that is this is intentional malpractice on the part of Synchrony Bank to accrue interest on accounts that would otherwise not generate any. I have been paying far beyond the minimum required payment amount each month, with the exception of this past month wherein I only paid the minimum. XXXX said there was no process for reversing an interest accrual charge, but provided me with the name and contact information for this government agency and with the information on how to contact a manager at Synchrony Bank, both at my request.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
My personal identity was stolen my ID my chime debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
So I was gifted an American Express gift card for XXXX. It does not want to work and everytime I enter it into a store it always says Bank will most likely decline or unavailable to use. Ive tried on multiple stores and it doesnt want to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Hello, I am formally disputing the late fee and any associated delinquency reporting applied to XXXX XXXX XXXX loan XXXX. 

On XX/XX/year>, I scheduled a payment of {$30.00} prior to the due date. In addition, I had an automatic payment of {$52.00} scheduled for XX/XX/year>. I received written confirmation from their system stating that the {$52.00} automatic payment was processed on XX/XX/year>. 

Any delay in posting or subsequent ACH return occurred after the payment was initiated and acknowledged by their system and was not due to refusal or neglect on my part. ACH processing timelines and internal posting delays are not valid grounds for late fees or delinquency reporting. 

During this period, my banking accounts were temporarily affected due to the closing of accounts related to the sale of a home and reallocation of funds. Despite this, I continued making good-faith payment attempts and ultimately paid {$100.00} on XX/XX/year> to fully resolve the balance. 

Given the above : The late fee was assessed in error Any delinquency reporting would be inaccurate I demonstrated continuous intent and effort to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD

Complaint narrative:
On XX/XX/year>, MaxLend deposited {$2700.00} into my bank account. After reviewing the loan agreement, I discovered the interest rate of XXXX  % APR with a total finance charge of {$7400.00}. I am on a fixed income receiving Social Security and VA Benefits and can not afford this loan. I did not fully understand these terms at the time of acceptance and immediately request cancellation and reversal of funds. 
The interest rate appears to violate XXXX XXXXXXXX lending laws and constitutes an unfair and predatory loan. I am requesting the loan be voided, funds reversed, and all collections activity stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I closed a joint account because my wife that Im am going through a XXXX  with was taking funds from it I was given a new debit card and told the account was closed on XX/XX/XXXX on XX/XX/XXXX a deposit of XXXX was made to the account by XXXX  error and was then removed by the other joint owner. The bank should not of accepted the funds and returned them to the creditor. My argument is that this violated federal law by reopening the account without proper notification and permission. This has cost me XXXX XXXX  and I am getting told different answers from everyone at Arvest. These funds where directly for my business and not jointly owned

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Im buying a puppy so I have proof Ive been paying this one person. My Cash App sent the wrong person XXXXXXXX XXXX & I have only 2 transactions with this person back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, XXXX ( XXXX XXXX ) provided durable medical equipment and billed my insurance, XXXX, for the service. XXXX initially delayed payment due to billing code errors by the provider. 

On XX/XX/year>, I participated in a conference call with both XXXX and XXXX to walk the provider through the correct billing process. XXXX subsequently processed and paid the claim at the contractually negotiated rate. The Explanation of Benefits states that my patient responsibility was {$0.00}, as I had already met my catastrophic cap for the year. 

Despite the insurance payment and {$0.00} patient liability, XXXX processed an autopay debit card charge of {$340.00} from my account. This resulted in a duplicate charge, as the service had already been paid in full by insurance. 

I initiated a debit card dispute with Navy Federal Credit Union on or around XX/XX/year>, and provided documentation including the XXXX Explanation of Benefits showing {$0.00} patient responsibility and the XXXX  statement. Navy Federal Credit Union has denied my dispute twice, stating that I was charged the correct amount. 

Because no amount was owed at the time the debit occurred, the transaction constitutes an incorrect electronic fund transfer under Regulation E. Navy Federal Credit Union has refused to reverse the charge despite documentation demonstrating duplicate billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I reviewed my credit report and seen some collections from accounts I didnt open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I submitted a dispute charge request with SoFi Bank. On XX/XX/XXXX I received an email that they would begin the investigation. On XX/XX/XXXX, I had not heard anything from SoFi so I emailed them asking for an update. XX/XX/XXXX they responded stating that they had not heard from the vendor and could not expedite the process. I began emailing SoFi everyday starting on XX/XX/XXXX asking for updates. Ive yet receive a valid response. I called and filed a complaint with the bank, that it has been over XXXX business days and by law I should have received a provisional credit. Its been another business a no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: RI

Complaint narrative:
Recently I looked at a copy of my credit report and notice innacuracies on my account. This account is hurting my ability to obtain credit. This Account XXXX from XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX. Needs to be investigate for me to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and unauthorized access to my consumer credit file. 
While I opened certain original credit accounts, my personal identifying information was later misused, mishandled, and accessed beyond the scope of my authorization during collection, assignment, and credit reporting activities. As a result, multiple third parties accessed my credit reports and placed hard credit inquiries without a permissible purpose, and several collection tradelines are being reported inaccurately and inconsistently. 
I did not authorize new credit applications, unauthorized hard inquiries, duplicate reporting, re-aging of debt, or the reporting of inconsistent balances, dates, or account statuses. Some inquiries appear to have resulted from pre-qualification requests that should have been processed as soft inquiries only, yet were reported as hard inquiries without clear authorization. 
These actions violate the Fair Credit Reporting Act, including but not limited to : FCRA 604 ( 15 U.S.C. 1681b ) Consumer reports accessed without a valid permissible purpose or beyond the scope of any authorization FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy FCRA 611 ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputed information FCRA 623 Furnisher duty to report complete, accurate, and non-misleading information Despite disputes, these inaccuracies and unauthorized inquiries continue to be reported, causing ongoing credit damage and financial harm.

This is my Police report number : XXXX in regard to my investigation. I also had to change my phone number numerous times due to the amount of spam calls and emails I would get a day because my personal information was misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
Well for one Ive seen transactions on my Cash app that I never did and I seen companies that was charging me that I never heard of and then they attempted to deactivate my Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
I purchased my new XXXX XXXX XXXX in XX/XX/XXXX. XXXXXXXX XXXX XXXX financing for XXXX. I made all payments never had a late payment on my credit report until XXXX when I refused to pay them $ XXXX. I made two payments in XXXX to pay my vehicle off before final payment in XXXX. After calling for my title they held my title hostage demanding {$2200.00} Payment. After XXXX on time payments they Had credit bureau note my credit report My account was closed and in recovery. 
With no other option because credit bureau was part of holding my title hostage until I paid more money. On XX/XX/XXXX I paid their extortion demand. I contacted them weekly to forward my title and loan paid in full letter. XX/XX/XXXX I received  my title but no letter showing account was paid in full. I contacted the XXXX XXXX XXXX about my situation so XXXX  updated my credit report stating Charge Off account, Profit Loss account as pay back to me for filing complaints against their Crooked company. My credit account states I only paid 95 percent of my XXXX payments loan off. 
Thats a lie. I have my car title. This Company needs to be shut Down. Please read their reviews and see how they do business. And how they use the Credit bureau to extort money from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: OR

Complaint narrative:
I am disputing a rental debt being collected and reported by Properties Receivables related to XXXX XXXX XXXX  in XXXX, Washington. I was released from my lease and do not owe this debt. 

After I moved out, I repeatedly requested written confirmation or itemization of any balance and received no response. The landlord and/or its agent later attempted to rely on a lease document that I did not execute, which was withdrawn once challenged. 

Despite the lack of a valid lease and failure to provide lawful validation or itemization, a balance was asserted and reported to credit bureaus. I am disputing the debt in full and requesting investigation and correction of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have attempted to use this American Express gift card at several locations - online and in-store. I've also added it to my XXXX wallet, but nothing works. All of the retailers accepted Amex, but none of them could take the payment. This has gone from a nice, unexpected gift to causing frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am submitting this complaint regarding improper continuation of co-signer liability and inaccurate credit reporting by Kia Finance America.

I am not a titled owner of the vehicle associated with this auto loan. Under Texas Transportation Code 501.021501.0234, ownership of a motor vehicle is determined exclusively by the Certificate of Title. The vehicle was sold and titled solely to the primary borrower, XXXX XXXX, as confirmed by dealer documentation and Texas XXXX records. 

I was included only as a co-signer for financing purposes. My name does not appear on the title, and I did not obtain ownership interest. Any appearance of my name on ancillary documents ( buyers order or vehicle service contract ) was administrative and does not convey ownership rights. 

The primary borrower subsequently abandoned the vehicle. Any temporary possession by me occurred solely to safeguard collateral and mitigate loss, consistent with good-faith consumer conduct. I did not use the vehicle for personal benefit. 

Despite this, Kia Finance America continues to : Hold me financially liable Report the account negatively on my credit Fail to offer co-signer release or correction This conduct constitutes inaccurate credit reporting in violation of the Fair Credit Rep

orting Act ( 15 U.S.C. 1681 ( a ) ( 1 ) and 1681s-2 ) and unfair or deceptive practices under applicable consumer protection standards.

I have offered voluntary surrender of the vehicle, conditioned upon written confirmation of : 1. Release from co-s
igner liability, and 2. No negative credit reporting against me Kia Finance America has failed to resolve this matter despite clear documentation.

I respectfully request CFPB assistance to require Kia Finance America to : Release me as a co-signer Correct or delete inaccurate credit reporting Cease improper collection activity Confirm resolution in writing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
So I was told by a supervisor that I could get reimbursed for the {$170.00} late fee for my rent since I tried to get the money back before it was late. I have contacted bank of america numerous times but the representative that I have spoke to, never answers my calls or return calls back. They previously denied my request and tried XXXX get answers but Bank Of America keeps giving me the run around. I want to speak to someone ASAP, and I want to be reimbursed for the {$170.00} like I was told previously. If not I will request a federal investigation on bank of america for every department. The people that handle these complaints will not answer my calls or return them. If I have to, I will take to social media and to the news and let them know that this institution is a fraud and a scam.

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