vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
for the past week we have had to file a number of fraud claims and disputes to our bank due to unauthorized charges on out cards. they closed our cards and were to issue new ones however i received a call stating that they were closing our account due to the activity of us filing the claims and they are refusing to refund our money to us that the company took with out authorization. they are telling me if they decide to refund me it will be after 10 days and that is not acceptable considering we stopped payments and filed claims and changed our cards as they told us to do

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
The card from concoracredit, Indigo card is charging outright fees and charges. I was told today that I must pay XXXX dollars to become active and the card will be on point with my limits of XXXX again but I never started with XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX USAA has a practice of allowing a computer to restrict the customer 's access to their checking account funds if it flags it as a security risk. I was advised they have to go over each transaction before your card can be activated again. There was no notice given advising my card had been restricted it was just cut off. I went to a XXXX XXXX XXXX in XXXX XXXX, SC around XXXX XXXX on XX/XX/XXXX to withdraw {$200.00} and the machine gave the message " unauthorized usage ''. Earlier that day I attempted to use my card at the XXXX XXXX for {$10.00} and my card was declined. Apparently, this was the first flag, but USAA did not alert me. USAA has violated my consumer rights and I would like for their practices to be reviewed.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
I applied for a XXXX XXXX XXXX rewards credit card by FNBO, based on the advertising of {$250.00} cash back bonus after 3 months of use and 10 percent off food and merchandise within the XXXX XXXX resort. I applied for the card on the XXXX XXXX site and purchased tickets and hotel using that card. The card came in the mail, and a few days later, the day before I was going to XXXX, I get a letter stating my account has been closed. I called to see what the issue was as I was disappointed I would not be able to take advantage of the food and merchandise discounts without an active card. I called and was told it was closed due to fraud, but I explained there were no fraudulent charges on the card, only one charge and I made that. They would not explain to me why it was closed for fraud but told me to reapply. I reapplied but was denied even though i have an XXXX credit score. I called back, was told I was denied because I had applied multiple times. I explained that I was told to reapply. They said I could not apply more than once in 24 hours, I told them I had not done that, I had originally applied a month ago, and was told to reapply. I was told to wait a couple of days and reapply again, but at by that time, I was not going to be in XXXX any longer so it did not make sense. I asked if I could still get the advertised {$250.00} cash back incentive since the card was closed by the credit card company and not me and they could not explain to me why it was closed. I was told that they could not honor the cash back bonus because the card was closed for fraud but could not tell me what the fraud was.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint against Affirm regarding Loan Principal {$160.00}. After I returned my full order to the merchant ( XXXX ), the merchant issued a partial refund to Affirm of {$110.00}. I have also made personal installment payments to Affirm totaling {$56.00}. As documented in Case # XXXX, Affirm has physically collected a total of {$170.00} for this loanwhich is {$8.00} more than the total loan principal. Despite holding more than 100 % of the loan value, Affirm is refusing to refund my {$56.00} in personal payments. Supervisor XXXXXXXX XXXX XXXX explicitly admitted in chat that Affirm is using my personal funds to cover a 'shortfall ' in the refund they received from the merchant, stating, 'from the payments you have made we took that amount '. This is an unauthorized retention of funds. I am requesting a full refund of my {$56.00} and for the account to be closed at a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Name : XXXX XXXX XXXX Email used with Current : XXXX My account was permanently closed in XX/XX/XXXX following activity that I now have formal documentation proving was the result of identity theft and criminal coercion ( Police Case # XXXX ). At the time of the closure and subsequent notice in XX/XX/XXXX, I was experiencing extreme duress and XXXX XXXX, which prevented me from obtaining and providing federal identity theft documentation to the bank. On XX/XX/XXXX, I provided Current with a sworn Federal FTC Identity Theft Report ( # XXXX ) and the associated police report. Under Regulation E ( 12 CFR 1005.11 ), the bank has a mandatory legal duty to conduct a reinvestigation when a consumer provides substantial new evidence of an error or fraud, regardless of when the account was originally closed. Despite this, Currents support team refused to perform a manual review of these federal documents. They instead provided a boilerplate response referring back to the XXXX closure decisions, effectively obstructing my rights as a victim. Current is also in violation of FCRA Section 605B by failing to block the reporting of identity theft-related activity to banking bureaus ( XXXX ) . I am an XXXX XXXX being blacklisted from financial services due to a crime for which I have provided federal proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Collectors International, Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, I engaged with the company, XXXX XXXX, for services totaling {$13000.00}, with a payment plan amounting to {$24000.00}. The services were not fully delivered and were incomplete relative to what was agreed. From my understanding, the only formal agreement in place was through XXXX, and I did not sign any separate written service agreement directly with XXXX XXXX outside of this financing arrangement. Although the company rendered partial services, they initiated a cancellation and partial refund for the portion of services completed. I agreed to this cancellation and refund in writing in XX/XX/XXXX, and the financing arrangement through XXXX was successfully settled and resolved at that time. Despite this, the company continued to pursue collection of the full amount and/or referred the account to a third-party collection agency, Debt Collectors International without properly disclosing the cancellation, partial refund, and prior settlement. The amount being collected does not reflect the actual services rendered and contradicts the agreed resolution. Additionally, the company repeatedly encouraged me to settle the alleged debt for approximately {$21000.00} or a reduced amount of around {$18000.00}. This is inconsistent with the prior cancellation agreement and settlement, and places pressure on me to pay an amount that I believe is not valid or justified. As a result of these actions : I have been pursued for a debt that I believe is invalid or inaccurate My credit was previously negatively impacted, and I had to dispute it, but I did not receive a proper response from the company The company has failed to provide clear documentation of any enforceable service agreement signed by both parties outside of the canceled and settled financing arrangement I have attempted to resolve this directly by requesting proof of a signed service agreement and clarification of the charges, but no sufficient documentation has been provided. I believe this may constitute unfair or deceptive practices, including attempting to collect on a canceled or previously settled obligation and pressuring me to pay an unjustified amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is my email of XX/XX/XXXX to Citizens Bank : Per my conversation with XXXX from your fraud dept a few minutes ago I am providing documentation ( photos attached ) for fraud claim # XXXX. To summarize, I issued check # XXXX from my checking account # XXXX on XX/XX/XXXX in the amount of {$6600.00} payable to XXXX XXXX, XXXX XXXX for my annual real estate tax. A cpoy of the forged check that was cashed is attached. I discovered on XX/XX/XXXX XXXX that it had not been paid via notice from XXXX. When I reviewed the canceled check I found a forgery and reported it in person to Citizen 's Bank XXXX branch ( XXXX XXXX ) that same day. We contacted the Fraud dept by phone from her office at that time. On XX/XX/XXXX the matter was reported to the XXXX XXXX XXXX ( request # XXXX ). I also reported it to the XXXX XXXX XXXX ( incident # XXXX ). I then paid the Real Estate tax bill for the {$6600.00} in person. A receipt for that payment is also attached. Both the Police dept and Tax office told me they've had several similar incidents and that they believe the envelopes were stolen from the XXXX XXXX. I don't have a checkbook that makes carbon copies. I don't keep a manual check register. I use an XXXX spreadsheet. I had provided the same information to Citizens bank in XXXX XXXX or XXXX XXXX via hard copies ( except for the real estate receipt ) I just received a request for the IDENTICAL information that I had already provided. It is apparent to me that my file had not been reviewed for the last three months. I don't believe I have any other relevant documentation. Per my conversation with XXXX, he is not aware of any other outstanding information from my end. Please review and respond to this as soon as possible. Please acknowledge receipt and provide a status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I stayed at a XXXX XXXX on XX/XX/year>, at a XXXX XXXX XXXX where I checked in and I was woken up at XXXX XXXX XXXX because kids were checked in with no supervision in the hotel with no parents and they were running around the hotel. I went to go call this front desk at about XXXX XXXX I got no call from the phone in the room. I got no answer. So I tried the call for my cell phone. I got no answer. I went down to the front office to the front desk. The lady was not there for another 10 or 15 minutes. When she finally arrived, we had an argument about how long she was gone. She told me that she wasn't gone longer than 20 minutes. I explained to her what happened with the children waking me and my child up and I needed another room. She explained to me that they do not have control over their guests, and they can't. They can not say whether I could get another room on another floor where there would be no children. For sure and couldn't guarantee me that that could happen. And the front desk office was very rude and argue with me. And finally decided that she would not give me a room because I was concerned about being woken up out of my sleep and I didn't appreciate how I was handled. So she told me she would be giving me a refund. She printed out a piece of paper for me. It shows the time at XXXX. That she wouldn't that she checked me out. And I've tried Navy Federal twice to dispute it, and they're telling me basically that it's not accident that it is correct. And maybe it didn't charge me wrong or something that's not the words that I use when I told them that I'm disputing this charge. So XXXXXXXXXXXX said they can't return my money because I booked it on a third party booking site which was booking.com. Is a scam? They have no customer site. Service number you can call. They have no customer service email that you can reach them at is just leave a message or try your best to try to leave a message. And that's not going to work. They have not responded to me. I left a message on XXXX and I still have not. We heard received or heard anything from them. So I need to dispute again and challenged this through the credit card company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a Bank of America credit card account since 2015, which I have maintained in excellent standing with no late payments or negative activity. The account had a {$61000.00} credit limit. Recently, I was notified that my account had been closed. The only explanation initially provided was that the account was closed by the bank. When I contacted the company for clarification, I was later told the closure was due to an inability to verify an authorized user on the account. I was not given any opportunity to resolve the issue before the account was closed, such as removing the authorized user or providing additional verification. I also did not receive a clear, specific explanation of why the issue could not be resolved while keeping my account open. As a result of this closure, I lost a long-standing credit account and a significant portion of my available credit, which has negatively impacted my credit utilization.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I paid a merchant through XXXX for a deep XXXX cleaning service that was advertised to include a negativeair machine, full duct and trunk line cleaning, blower compartment cleaning, and professional agitation tools. When the technician arrived, he had only a small household vacuum and a basic brush. He did not perform the services listed in the invoice or what was advertised. I immediately requested a refund, and the merchant stopped responding and blocked me. I submitted a misrepresentation claim to Bank of America and provided the invoice, photos of the equipment actually used, and chat logs showing the merchant did not perform the service. Bank of America denied the claim by stating the transfer was authorized, which does not address the misrepresentation or failure to perform the service. I requested a reevaluation and then escalated to Executive Customer Relations. The investigator told me they attempted to call the merchant, received no answer, and therefore could not refund me. I was told to go to the police or small claims court. The bank did not evaluate the evidence I provided and denied the claim solely because the merchant did not answer the phone. This is a misrepresentation and scam situation, not an authorization issue. I am requesting a proper review of the evidence and a refund for the service that was not performed as advertised.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed this information and filed prior complaints after the credit reporting agency claimed verification. Despite these efforts, the information continues to be reported in a manner that is materially misleading and incomplete. Information is materially misleading when it would reasonably cause a lender or other user of consumer reports to reach an inaccurate or distorted conclusion about my creditworthiness. Even if portions of the information are asserted to be technically accurate, the manner in which it is reported creates a false or inaccurate impression to a reasonable user of consumer reports. Technical accuracy does not cure reporting that is incomplete, lacks context, or creates a misleading impression when the information is reviewed as a whole. The misleading nature of the reporting arises from the overall manner, format, and context in which the information is presented, not from any single data point in isolation. The Fair Credit Reporting Act requires more than technical accuracy. Information must not be misleading, incomplete, or presented without necessary context. By continuing to report this information without correcting its misleading nature, the agency failed to ensure maximum possible accuracy and failed to present the information in a fair and equitable manner. The agency relied on conclusory statements of accuracy rather than a substantive, independent review of how the information is presented and understood. Selective confirmation of isolated data fields does not resolve the materially misleading nature of the reporting as a whole. This continued reporting distorts my credit profile and materially interferes with fair evaluation by lenders and other users of consumer reports. This complaint follows prior unresolved disputes and complaints concerning the same reporting. This complaint does not constitute an admission of liability, ownership, or responsibility for the reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX reimbursed me for a canceled trip via my credit card ; - {$10000.00} credit was posted. The travel agency had explained to me that it was their process and that the credit card company would mail me a check. Instead, the credit card company used that money daily to bring my credit balance to {$0.00}. Please note that I usually pay my balance in full every month and that my FICO score is XXXX. Furthermore, payment for the balance on my card is not due until XX/XX/year>. Realizing that the credit card company was continuing to use my money, I called customer service on XX/XX/year> to inquire. I was told that the company does not reimburse merchants credit unless requested. I never received any communication from the credit card company to this effect considering the large amount. Customer service then initiated the refund process. I explained that I needed that money to pay my taxes by the XXXX. I was told that it would take 2 to 5 business days. Yesterday, on XX/XX/year>, I spoke to XXXX via XXXX. She wrote : '' Credit Balance Refund has been initiated, further review and approval is required. Approval period varies and could take several business days depending on the reason for refunds. Expect refund 3-5 business days after approval. ". Please note that the credit card company NEVER allows you to pay more than your credit balance! I am reporting this as a COMPLAINT. Citibank ( XXXX ) has been using my money for 15 days now ; my credit balance has dwindle to - {$5400.00}. I find this dishonest and taking advantage of customers. I hope justice will be done.

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