vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of repeated unauthorized transactions and identity theft affecting both my personal and business accounts. 

Beginning approximately XXXXXXXX XXXX through XX/XX/year>, my accounts were subjected to repeated unauthorized debit card transactions and electronic withdrawals associated with the merchants XXXX XXXX XXXX and XXXX XXXX XXXX, which appear to be linked entities operating under different merchant descriptors. These charges occurred without my informed consent, escalated over time, and continued even after I attempted to dispute transactions and after a debit card replacement. 

During this period, I was recovering from a serious medical condition following hospitalization in XX/XX/year>, including a concussion, severe XXXXXXXX XXXX, and medication effects. I also experienced prolonged loss of voice ( XXXX ), which prevented me from completing phone-based fraud reporting despite repeated attempts. I requested written or chat-based assistance from Bank of America but was unable to obtain timely or effective help. 

Although some partial refunds or temporary credits were issued, they did not reflect the full amounts withdrawn and did not prevent continued unauthorized activity. Ultimately, my personal and business accounts were substantially depleted, causing severe financial hardship. 

To formally document this matter, I have filed both an FTC Identity Theft Report and a Police Report, copies of which have been provided to Bank of America. Despite this, the bank has failed to fully investigate the linked merchant activity, consolidate disputes, or provide adequate provisional credit. 

Based on a good-faith review of my statements from XXXX through XX/XX/year>, I estimate approximately {$30000.00} in combined unauthorized losses, including approximately {$20000.00} associated with XXXX XXXX XXXX and {$10000.00} associated with XXXX XXXX XXXX. These figures are conservative estimates pending full merchant-level tracing by the bank. 

I am requesting CFPB assistance to ensure Bank of America properly investigates this identity theft, reopens and consolidates all related disputes, provides provisional credit where applicable, reverses fees caused by the unauthorized activity, and communicates with me in writing due to documented medical limitations affecting verbal communication.

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 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
A Complaint Statement Third Party Disclosure Subject : Illegal Third Party Disclosure by Debt Collector I am filing a complaint regarding a debt collection agency that has violated the Fair Debt Collection Practices Act ( FDCPA ) by disclosing my personal debt information to my brother. The collector contacted my brother directly and revealed information about an alleged debt, including details that should only be communicated to me. My brother is not my spouse, guardian, executor, or authorized representative. 
Under the FDCPA, a debt collector is prohibited from discussing a consumers debt with any third party other than the consumer, their spouse, or their legal representative. By contacting my brother and disclosing information about my debt, the collector committed a clear violation of federal law. 
This unauthorized disclosure caused me significant distress and invaded my privacy. I am requesting that your office investigate this matter, take appropriate enforcement action, and ensure the collector is held accountable for violating my rights under the FDCPA. 
I can provide additional details, including dates, call logs, and the name of the collection agency, upon request. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC
State: IL

Complaint narrative:
FORESTRECVY is falsely reporting on my credit. I have never had any accounts with them. Per my research FORESTRECVY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint regarding an excessive and unreasonable delay by JPMorgan Chase Bank in processing a mortgage assumption that is court-ordered under a finalized divorce judgment. 

I submitted a complete mortgage assumption application on XX/XX/XXXX, immediately after receiving all final divorce court documents. The Marital Settlement Agreement and Final Judgment of Divorce require me to complete a mortgage assumption or refinance by XX/XX/XXXX in order to remove my former spouse from the mortgage and deed. 

Since submission, Chase has repeatedly delayed my application for reasons unrelated to underwriting risk and instead due to prolonged XXXX XXXX reviews that take 3045 days per document cycle. Despite promptly submitting every requested item, Chase has taken months to move my file between processing and underwriting : XX/XX/XXXX Application submitted XX/XX/XXXX Additional documents requested XX/XX/XXXX Application finally sent to underwriting XX/XX/XXXX Additional documents requested XX/XX/XXXX Application returned to underwriting As of XX/XX/XXXX, no decision has been made On XX/XX/XXXX, I spoke directly with a Chase XXXX XXXX named XXXX and formally filed an Assumption Escalation Complaint within Chase. I was explicitly told that a Chase XXXX XXXX would contact me directly to provide a detailed status update and next steps. 

Despite this escalation and assurance, no XXXX XXXX ever contacted me, no update was provided, and my application remained stalled. This failure to follow through on Chases own escalation process further delayed my application and left me without any visibility or ability to mitigate the risk of missing a court-ordered XX/XX/XXXX deadline. 

Chases internal escalation process has therefore been ineffective and misleading, as I relied on representations made by a supervisor that were never honored. 

Chase has provided no firm timeline, no escalation path, and no explanation for why this assumption has taken over XXXX months while placing me at risk of violating a court order through no fault of my own. 

This delay exposes me to potential legal action, forced refinancing at a higher interest rate, or court proceedings, despite my full cooperation and good-faith compliance. 

I am requesting that Chase : Immediately escalate my assumption application for final underwriting review, and Provide a written decision or definitive timeline before XX/XX/XXXX, due to the court-ordered deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I had woken up on the date of XXXX, I had decided to transfer my money from my savings to my checking account. When I had looked online I had noticed that {$1700.00} was taken out from my savings account into a separate account I had no record of something about speech project. When I had gone to my Bank I informed them of this account that had stolen money from me. While the bank was able to change my pin account and password the fraud department was unable to access the fraud account and give me any reassurance due to the fact my pin was used during the fraudulent transaction so that I couldnt get any money returned to me is what they said. I had asked if there was anything the fraud department could do, I was informed that there was nothing due to the fact this fraudulent transfer was sent to an account they could not access. They did not know where exactly my money was going even though I showed my banker the account name and the person number being informed it was a speech project. I said thank you to the bank and left and I have now come here for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a reported late payment associated with my former GM Financial credit card account, which was transferred to Barclays Bank Delaware.

During the transition of this account from GM Financial to Barclays Bank Delaware, I was temporarily unable to access my account or make payments. GM Financial closed customer access to the account as part of the transfer process, and at the same time, Barclays Bank Delaware had not yet established my account or provided payment instructions, account numbers, or online access.

As a result, there was no reasonable or available method for me to submit a payment during this transition period. The inability to make a payment was entirely due to the actions and timing of the two financial institutions involved, not due to neglect or unwillingness on my part.

Despite my good-faith intent to remain current on my obligations, a late payment was reported to the credit bureaus. This reporting does not accurately reflect my payment behavior and is unfair, as I was prevented from making a payment through no fault of my own. 

I respectfully request that this late payment be investigated and removed from my credit report, as it resulted from administrative and servicing issues during the account transfer rather than consumer delinquency. I am requesting correction of this inaccurate information pursuant to my rights under the Fair Credit Reporting Act. 

Thank you for your time and attention to this matter. I appreciate your assistance in ensuring my credit report accurately reflects my history.

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 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been reaching out to Citibank for assistance in closing my XXXX for about 3 months now. I believe it was around XXXX or XXXX when I formally submitted the information to close my XXXX so that I could have the funds to provide for my kids XXXX. XXXX has now come and gone and I've reached out to Citibank regarding the matter XXXX times and each time they tell me that the account is on hold pending their review of my social security XXXX XXXX I sent my social security card information to them prior to XXXX via certified mail. They confirmed their receipt of the envelope after XXXX, and here today 's date is XX/XX/year> and I am still obtaining the same notice that they are unable to send me a check due to the account being placed on hold due to their need to verify the social, yes they have received it, but they have not had time to review or authenticate the document. 

Previous to this I reached out to their HR department ( XXXX ) and they asked me to verify myself utilizing my full name, XXXX, XXXX, and GEID ( former employee number ). I can't remember my former employee number. I'm lucky if I remember my cell phone number. The hold that has been placed on my account has prevented me from taking care of my children as I should be able to. Furthermore, it prevents me from being able to catch up on bills and take care of day-to-day life. I've closed other XXXX 's but I have never encountered an issue such as this. It is my belief that Citibank has no desire to allow me to access the funds, and that is why I am reaching out to CFPB.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Im unaware of these acoounts. I have been disptuing them for a year since i found about my ex use my identiy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I entered into a solar installation agreement that included third-party financing through EnFin in XX/XX/XXXX. Before the project reached Permission to Operate ( PTO ) and before any final city inspection occurred, I canceled the solar project and revoked authorization for further work. 

On XX/XX/XXXX, I submitted a written termination request to the installer and notified EnFin in writing. At the time of termination, the system was not operational, PTO had not been issued, and no final inspection had occurred. 

I followed up multiple times in writing requesting confirmation of loan cancellation and EnFins determination regarding the financing file. I provided all supporting documentation requested. Neither the installer nor EnFin provided a written response or determination after five business days. 

After I declared an impasse and notified EnFin that I would escalate to regulatory agencies due to non-response, the installer nevertheless attempted to proceed by dispatching an electrician to the property without authorization. Access was denied. 

EnFin has continued to remain silent and has failed to provide any written determination regarding the status of the loan associated with this canceled project. I am requesting regulatory review of EnFins handling of this matter and confirmation that no financing obligation exists for a project that was terminated prior to PTO or final inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request an urgent review and resolution regarding the closure of my bank account that occurred on XX/XX/XXXX. I was informed that my account would be closed and that I would receive a letter in the mail explaining the reason for the closure. I also had existing funds in both my checking and savings accounts at the time, as well as three direct deposits that were deposited around or after the closure date. 

I have contacted your customer service department numerous times regarding the release of my funds including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( three calls ), XX/XX/XXXX, XX/XX/XXXX, early XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. 

Throughout these communications, I was repeatedly told that I would receive my remaining balance by check through the mail within 30 to 60 days of the account closure ( latest by XX/XX/XXXX ). However, as of today, XX/XX/XXXX, I still have not received my funds. The most recent representative I spoke with provided information that conflicts with all previous explanations, leaving me without clarity or access to the money that rightfully belongs to me. 

This delay has placed me under severe financial hardship. I have children and household responsibilities, and this situation has made it extremely difficult to meet my obligations. 

I respectfully request : A detailed explanation for the delay in releasing my funds. 
A confirmation of when and how I will receive the total remaining balance from all affected accounts. 
Written confirmation of this resolution and the reason my account was closed. 
Please treat this matter as urgent. You may contact me directly at XXXX or XXXX for any updates. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX. At XXXX i received a deposit from my Fintwist payroll card in the amount of XXXX. Upon Checking my account the next day.I only had XXXX in my account. Charges were made in the amounts, shown above in XXXX XXXX I did not authorize these charges. I was not in or near XXXX on XX/XX/XXXX .. Also i was paid right before XXXX went to go purchase some items.Thought I had over $ XXXX to find out someone had withdrawn XXXX dollars. I contact the card company I submitted my claim. They said my claim was denied due to lack of sufficient evidence. I called customer service.They gave me the same answer. Reply to the email I have replied to the email several times and I still haven't gotten a response or a call. They say they don't have any sufficient evidence. What evidence can I give them when I didn't even know my card was being compromised. Can you please help? Spoken with other clients. They have had trouble with their car as well. 
Thank you in advance

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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Our home is with Freedom Mortgage. We had a house fire XX/XX/XXXX. The back of our home was damaged so bad it displaced our family. In my family we have XXXX children and my parents live with us as well. Our insurance company came out very quickly all funds given, we gave everything to the mortgage company. Started working on the home, and our mortgage company was very slow at sending inspectors or sending funds. for a year we lived in an XXXX XXXX XXXX XXXX the year ended house not finished and as of XX/XX/XXXX we had to get a rental. We can not afford 2 house payments. I have tried to work with the mortgage company and getting our funds to the contractor. They sent out a person to do the inspection and she did not turn the report for a while and then it was wrong. She did not want to work with our contractor on inspections. Which was another delay. We gave permission to our contractor to talk to our mortgage company and when he would call they would put him on hold or give him the run around. As of today our home is still not finished. This has put our family in a big financial issue. Please let me know if you need anymore information.

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 2026-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
b'I am in Tennessee. \nFor the past month, I have been receiving automated, recorded phone calls stating they are with XXXX XXXX" and are calling about a matter in their office and to press 1 to speak to an agent, or to call XXXX to speak to an agent. \nWhen I press 1, I am disconnected from the call. \nWhen I call XXXX it rings twice and then I\'m disconnected. \nThe calls always come from a different phone number and area code. \nThe phone numbers have been:\XXXX XXXXnthey leave the same recording on voicemail if I don\'t answer. \n\nI called the actual XXXX XXXX XXXXustomer support number and they confirmed there is no open account in my name.\n\nToday I got a call from an actual person from XXXX  They said they were with XXXX XXXX and the matter was transferred to them from XXXX XXXX XXXX. They listed out payment options foXXXX XXXX XXXX  supposedly owe, and when I asked for documentation, they hastily said it would be done in court and they hung up. \n\nI called XXXX XXXX XXXX customer support number today and they confirmed there is no open account in my name, as well. \n\nI believe these are spam calls - it seems like they can see details of my prior debts like amounts and creditors, but I have paid these off and they are attempting to call and see if I will pay again.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
On XXXX I went to the atm to take money out but the machine was not giving money, I called XXXX and asked them they confirmed an issue with processing money over {$500.00} and to contact my bank I have contacted Axos and disputed but I can never get a direct answer on when will I get my provisional credit I have been waiting for a while and I need the money the machine did not dispense the money no receipt just froze and went blank

Company response to consumer: Closed with explanation