vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Subject : Failure to Conduct Reasonable Investigation Comenity Capital Bank ( XXXX XXXX XXXX ) I am submitting this complaint regarding Comenity Capital Bank and their reporting of a XXXX XXXX XXXX account ending in XXXX. I previously disputed the accuracy of this account and the reported delinquencies through the Consumer Financial Protection Bureau. In response, Comenity Capital Bank sent a letter dated XX/XX/year> claiming that the account was verified and that their reporting was accurate. However, their response failed to provide any competent evidence demonstrating that the information being reported is accurate. Instead of providing documentation proving the validity of the account, Comenity only sent copies of billing statements. Billing statements alone do not establish that I legally agreed to the account or that the reported delinquency information is accurate. Specifically, Comenity Capital Bank failed to provide : The original signed credit application or cardholder agreement Any documentation showing my signature authorizing this account Electronic application records including IP address or device verification Proof of the date the account was opened Documentation showing how the alleged delinquency was verified with the credit reporting agencies A complete payment history demonstrating how the delinquency was calculated Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to conduct a reasonable investigation when a consumer disputes information. Simply confirming information through internal records and providing billing statements does not constitute a reasonable investigation. Additionally, under 15 U.S.C. 1681i ( a ) and Regulation V ( 12 CFR 1022.43 ), furnishers must review all relevant information provided by the consumer and ensure the accuracy and completeness of the information they report. Because Comenity Capital Bank failed to provide competent evidence verifying this account and the reported delinquency, I believe they did not conduct a reasonable investigation as required by federal law. I am requesting that the CFPB require Comenity Capital Bank to : 1. Provide full documentation proving that this account was opened by me, including the original signed agreement or authenticated electronic application records. 2. Provide documentation verifying the alleged delinquency and payment history. 3. If they can not provide this documentation, immediately delete the account and any related negative reporting from all consumer reporting agencies. I also request confirmation that Comenity Capital Bank has complied with their obligations under the Fair Credit Reporting Act and Truth in Lending Act regarding investigation of disputed information. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used my Citi Bank account to pay my XXXX fee of {$180.00} each month. However, the XX/XX/year> payment was not processed correctly by Citi Bank. Please see the attached document. When a payment is successfully processed, the check should display : For deposit only XXXX XXXX XXXX. However, for the XXXX payment, the check shows : Credit to ACCT within named payee lack of endorsement Guaranteed. Because of this issue, my XXXX never received the payment, and I had to pay the {$180.00} again myself to avoid being late. I have contacted Citi Bank multiple times regarding this issue, but they have not refunded the {$180.00} to me yet. Therefore, I have had to file a complaint with the Consumer Financial Protection Bureau ( 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 2026-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: SC

Complaint narrative:
I am filing a complaint regarding servicing errors on my mortgage account with Selene XXXX. From XX/XX/XXXX through XX/XX/XXXX my mortgage payments were made consistently and applied correctly. My payment pattern has been consistent, typically paying toward the end of the month for the upcoming installment. I reviewed my bank records and the loan ledger provided by Selene XXXX. The payments made from my bank account during this period total {$15000.00}. Despite this payment activity, I was contacted on XX/XX/XXXX and told that my account was XXXX months past due, which would represent approximately {$12000.00} in missing payments based on my monthly payment of about {$2000.00}. This statement does not align with the payment activity reflected in my bank records or the transaction history in XXXX own ledger. The ledger shows several internal adjustments including reversals, misapplied funds, and payments placed into suspense after XX/XX/XXXX. These appear to be internal accounting changes rather than missed payments. Additionally, my XXXX Form XXXX shows {$14000.00} in mortgage interest, which matches the interest calculated directly from the ledger. However, I was later told that the interest total was approximately {$16000.00}, a difference of {$1700.00}. This difference appeared after XXXX system reallocated funds while attempting to correct internal servicing errors, yet no corrected tax form was issued. I was also informed that approximately {$310.00} remains in the suspense account. The {$1700.00} difference in interest combined with the {$310.00} suspense balance equals approximately XXXX full monthly mortgage payment. This strongly suggests that internal system adjustments created the appearance of a missing installment even though the payments were made. My primary concern is that these servicing errors could result in incorrect delinquency reporting to the credit bureaus. I have made every effort to ensure my mortgage payments were submitted properly, and I take the responsibility of homeownership very seriously. I am requesting that Selene XXXX correct the servicing errors on my account, properly apply the payments that were made, and ensure that my account is not reported as delinquent due to internal accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My grandpa 's money is been transferred from XXXX XXXX and now it's at bank of America an they keep telling my name ain't on my money now the account number is XXXX at bank of America my grandpa is XXXX XXXX XXXX XXXX XX/XX/year> XXXX is his social

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 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My monthly auto loan payment was set to autopay, but the autopay failed and I did not discover it in time. This caused my account to become past due. On XX/XX/XXXX at approximately XXXX XXXX, my vehicle was repossessed from a private parking space at my friends residence. Around XXXX XXXX that same day, I discovered the vehicle was missing and called XXXX. Police informed me the vehicle had been repossessed due to delinquency. I immediately contacted BMW Financial Services ( BMW XXXX ) to resolve the delinquency. On XX/XX/XXXX, I paid the past-due amount in full and took an XXXX to the storage/location BMW XXXX provided to retrieve the vehicle. When I first saw the vehicle at the lot, I clearly observed a large inward dent/damage on the passenger-side door frame/body area ( the damage was obvious and was present at the time I picked up the vehicle ). I reported the damage to BMW XXXX immediately. In addition to the visible dent, I was concerned there could also be hidden damage from the repossession/tow process that is not visible to the XXXX eye, such as suspension/steering damage, undercarriage damage, wheel/tire damage, or misalignment ( four-wheel alignment ) that could affect stability and driving safety. After reporting the damage, I was repeatedly referred back and forth : BMW XXXX told me to contact the towing/recovery company, and the towing/recovery company told me to contact BMW FS. BMW XXXX stated someone would contact me regarding an investigation/claim for the repossession damage, but to date BMW XXXX has not provided a clear determination of responsibility, a claim decision, or a resolution for the XX/XX/XXXX repossession damage. I also told BMW XXXX that the vehicle felt unstable to drive and might be unsafe, and that I frequently drive long distances. BMW XXXX customer service told me the vehicle was OK to drive and asked me to wait for their investigation/contact. Relying on that information while waiting, I continued using the vehicle. On XX/XX/XXXX, I was involved in a highway collision with another vehicle and was transported to the hospital by ambulance. My insurer ( XXXX XXXX ) prepared a repair estimate and included the repossession-related damage from XXXX as part of the repair costs, which contributed to the total repair amount being too high. XXXX XXXX decided to treat the vehicle as a total loss. I believe the repossession/tow-related damage ( including the visible dent and any hidden damage such as alignment/suspension issues ) should be handled and compensated by BMW XXXX and/or its agents/contractors responsible for the repossession/recovery. BMW XXXX has responded not or resolved the XX/XX/XXXX damage issue. Vehicle : XXXX BMW XXXX XXXX, XXXX : XXXX. I can provide photos/video screenshots, payment proof, communication records, and the insurance estimate/total-loss documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter is in reference to AccountNumber XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that PORTFOLIO RECOV ASSOC immediately cease and release all communication with me regarding the above-referenced account. You are instructed to stop all telephone calls, text messages, emails, and written correspondence to me, my family members, my place of employment, or any third parties concerning this matter. If you intend to pursue specific legal remedies, you may notify me in writing of such action only. Otherwise, I expect no further contact from your organization. Failure to comply with this request will result in documentation of all future communication and may lead to complaints filed with the appropriate regulatory agencies. Please confirm in writing that you have received this notice and will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
I am submitting this complaint regarding inaccurate information provided by Santander Consumer USA customer service representatives regarding the amount required to bring my auto loan account current. My auto loan originated on XX/XX/XXXX with an original loan amount of {$33000.00} and an interest rate of 22.48 %. My regular monthly payment is {$860.00}, with payments due on the XXXX of each month. On XX/XX/XXXX, I contacted Santander Consumer USA to determine the total amount required to bring my account current. I specifically asked the representative what amount I needed to pay so my account would no longer be considered past due. On XX/XX/XXXX, my monthly statement showed the following : Past Due Amount : {$220.00} Total Amount Due : {$1100.00} I contacted Santander again on XX/XX/XXXX to confirm the amount required to bring my account current. During that call I asked multiple times to verify that paying {$220.00} would bring my account current, and the representative confirmed that it would. Based on the information provided by Santander representatives, I made a payment of {$250.00} on XX/XX/XXXX, which exceeded the amount I was told was required to bring my account current. I then made another payment of {$870.00} on XX/XX/XXXX, which exceeds my normal monthly payment amount. Based on the guidance I received from Santander representatives, I believed my account had been brought current. However, my XX/XX/XXXX statement shows : Past Due Amount : {$820.00} Total Amount Due : {$1600.00} This indicates that the amount I was told would bring my account current did not actually do so. I relied on the information provided by Santander representatives when deciding how much to pay. If I had been accurately informed of the total amount required to fully bring my account current, I would have made that payment at the time. I am requesting that Santander review the call recordings or notes from my XX/XX/XXXX calls and provide a clear explanation of why the amount I was told would bring the account current did not match the actual account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone had been using my money on chime money I was saving I dispute it the transactions just for them to get denied and they said they investigated them which was untrue because they barely did any kind of investigation and just said that it was denied and they weren't giving me my money back even after I bought to their attention that the purchases were made in a state that I have never lived in my account was set up in XXXX and I have always lived here and they were used in XXXX this is with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am filing a complaint regarding a serious privacy and professionalism concern involving a mortgage loan officer XXXX XXXX with Freedom Mortgage during our home loan process. During the course of our loan application, I was sent emails that contained personal information belonging to other customers. I was CCd on communications that included another borrowers information while the loan officer was communicating with a colleague. This information appeared to be unrelated to our loan file and should not have been shared with us. This raised significant concerns about how customer data is being handled and whether proper safeguards are in place to protect borrowers personal and financial information. If another customers information was shared with me, it raises the concern that our private financial information could also have been improperly disclosed to others. In addition to these privacy concerns, our experience throughout the loan process involved repeated delays, inconsistent information, and poor communication, which caused unnecessary stress during an already significant financial transaction. Due to these issues, we ultimately made the decision to withdraw our loan application and move forward with a different lender. However, the improper handling of customer information is a serious matter that I believe warrants review. I am requesting that this incident be investigated and that appropriate steps be taken to ensure that borrower information is properly protected and that similar situations do not occur in the future.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WV

Complaint narrative:
My account was compromised hacked whatever I had transactions on there for hundreds of dollars so I tried to get a hold of them for XXXXXX/XX/XXXX waiting on the phone on hold continuously and then when I get on the phone they tell me that they can't help me for security reasons after I've verified my identity and still didn't receive no help after I waited that long and then when I got upset about it I was hung up on All I want is my money transferred out of that account into my regular bank and that account closed and they couldn't do that for me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a checking account and a savings account online with this bank. I tried to transfer some money from the bank to my XXXX account and to my other bank account after a few days when it didnt get there to my account, I called them up and was talking to them asking them why they said I had to file a complaint which I proceeded to do with them while I was filing the complaint they had me to get online on my online mobile banking and give them account numbers and then times and dates of the transfers that didnt go through while in the process of doing that they turned off my account and said they could not verify me and that I needed to verify who I was first I have tried every which way possible to verify with them. They are now telling me that they will mail me a letter. Thatll take 10 days to get here and then that letter will verify who I am. They have every penny I have they have all my Social Security SSI check. Ive been living on nothing and I all I want is to close this account and get my money out of it. Ive done everything theyve ever asked me to do as far as its explaining to them who I am. Ive now got my debit card. They will not pay attention to me. Ive got my debit card to give them his information. Ive given them the pin number that that I got in the mail from them still its not good enough. They wont give him access to my money

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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, This letter is in reference to AccountNumber XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that XXXX XXXX XXXX immediately cease and release all communication with me regarding the above-referenced account. You are instructed to stop all telephone calls, text messages, emails, and written correspondence to me, my family members, my place of employment, or any third parties concerning this matter. If you intend to pursue specific legal remedies, you may notify me in writing of such action only. Otherwise, I expect no further contact from your organization. Failure to comply with this request will result in documentation of all future communication and may lead to complaints filed with the appropriate regulatory agencies. Please confirm in writing that you have received this notice and will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX Opened XXXX {$8000.00} This company state I open this account in XXXX on this date. I was living in XXXX at the time this was started. This isn't my dept, account, or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My XXXX account was compromised on Friday, XX/XX/2026, while I was at home on my day off. I did not grant anyone access to my account, and to my knowledge it is only connected to my XXXX. I never left my house that day, and my IP address can confirm this. I also uploaded screenshots with GPS data showing that my phone remained at home the entire day. A total of {$2900.00} of my hardearned money was taken from my account. I was never notified or asked to verify my identity for three separate transactions. The fourth transaction triggered a notification the following day, Saturday, XX/XX/XXXX, while I was at work. On Monday, XX/XX/XXXX, a fifth transaction was processed, and although I was reimbursed for that smaller amount, the {$2900.00} has still not been returned. I do not understand how no fraud was found. If no fraud occurred, why was the smaller amount reimbursed but not the larger one? My bank informed me that they will not refund the {$2900.00} because they found no evidence of fraud. Chase, this situation is causing me significant hardship. I work hard for my money, and now I can not pay my rent or bills and am falling behind with late fees. I have been a loyal Chase customer for 19 years and have used XXXX XXXX for five years. I feel I am being treated unfairly and overlooked, despite having no history of fraudulent claims. I am devastated and disappointed that I can not receive proper assistance.

Company response to consumer: Closed with monetary relief