vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I filed a dispute with Bank of America regarding a transaction for an item I did not receive. The merchant ( XXXX ) delivered the package to the wrong address, and I never received the item. I contacted the merchant and requested a refund, but they have only provided generic responses and have not issued any refund. Despite this, Bank of America has not provided provisional credit and continues to delay resolution. It has now been more than 15 days since the dispute was filed. I believe this situation qualifies as " item not received, '' and I am requesting that Bank of America issue provisional credit promptly while the investigation is ongoing. I have made a good-faith effort to resolve this issue with the merchant, but the issue remains unresolved. I am requesting a timely and fair resolution.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Someone sent money to my account using XXXX and my phone number. XX/XX/XXXX and I still havent received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Iam extremely frustrated with the way my recent issue was handled by XXXX XXXX XXXX Credit Card customer service. I spoke with XXXX different managers regarding a {$30.00} returned payment fee that resulted from a rejected payment from my wifes account. I made a simple, reasonable request for a one-time courtesy waiver. I have consistently maintained my account in good standing, spend a significant amount with your company, and have never had issues before. Despite this, not a single representative was willing to make any exception or offer any alternative solution. What is most unacceptable is the complete lack of effort to resolve the situation. I fully understand that policies exist, but strong customer service means finding solutionsnot repeating policy and offering nothing. There were multiple reasonable options that could have been offered, such as a credit, discount, or XXXX XXXX equivalent. Instead, I was met with resistance and no attempt to retain a loyal customer. Additionally, I was shocked to learn that my wifes payment account was removed without my authorization. I did not request this action, and making changes to my account without my consent is completely unacceptable and raises serious concerns. From a professional standpoint, this interaction fell far below acceptable standards. Managers should be empowered to resolve issues and retain customers, not simply apologize while refusing to help. It is extremely disappointing that your team would rather lose a customer over {$30.00} than make any effort toward a fair resolution. At this point, I am seriously reconsidering continuing my relationship with this account. This experience has demonstrated a lack of flexibility, poor customer care, and a failure to value long-term customers.

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 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year> this inquiry was Falsely Put on my Credit after XXXX data Breaches my name was Included in. Ive been in contact with Synchrony bank & each time it never removed. Its a XXXX card by Synchrony Bank.

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 2026-04-08 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: IL

Complaint narrative:
I filed a dispute in XXXX for funds because someone had gained access to my phone and accounts on it. Chime saw this as abuse and closed my account against my wishes. I got an email saying that my dispute was approved and they apologized for the error but they still refuse to open my account and give me the remaining funds and it was closed almost XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting for a collection account reported by Midland Credit Management and reflected on my XXXX credit report. This account contains multiple inconsistencies and lacks proper verification : 1. The account is reported as opened on XX/XX/XXXX, which corresponds to the date the debt was purchased by Midland Credit Management, not when the account was originally opened. Midlands own documentation states the original account was opened on XX/XX/XXXX. This creates misleading and inconsistent reporting of account history. 2. The documentation provided by Midland Credit Management is incomplete. They only provided two transactions and failed to provide a full account-level transaction history, payment history, or complete ledger demonstrating how the balance was calculated. 3. The balance is inconsistent and unsupported. The original balance is listed as {$720.00}, while the current balance is {$680.00}. Midland states that {$43.00} in adjustments were applied but provides no documentation or explanation of these adjustments. 4. Midland mischaracterizes the balance as an original purchase balance, when the amount clearly includes fees and interest, not just purchases, as shown in the original creditor statements. 5. My billing statements show the account was already past due and over limit as early as XX/XX/XXXX, which raises concerns about whether the delinquency timeline is being reported accurately. Due to these inconsistencies, this account does not meet the accuracy and verification requirements under the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ). I am requesting that this account be fully investigated and removed if it can not be properly verified with complete and accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
BOA Case Number : XXXX Bank of America confirmed that I was eligible for the {$100.00} XXXX XXXX XXXX XXXX PreCheck application fee credit with my XXXX XXXX XXXX XXXX card and that it should have been issued automatically as a statement credit after the qualifying transactions on XX/XX/year>. There were two transactions totaling {$100.00} : Transaction 1 : XXXX XXXX XXXX {$50.00} Transaction 2 : XXXX XXXX XXXX {$50.00} However, the bank refused to provide the credit solely because too much time has passed. This is despite the fact that the benefit is designed to be applied automatically and does not require any action, monitoring, or follow-up on my part. As a consumer, I should not be expected to continuously audit past statements to ensure that promised automatic benefits are properly applied. The failure to issue the credit is due to the banks internal processes, not any action or inaction on my part. I only discovered this issue recently while reviewing my account in response to Bank of Americas attempt to update its customer agreement, including provisions related to arbitration rights. Otherwise, I would not have had any reason to revisit older transactions. This is not a billing dispute, but a failure to honor a promised credit card benefit. The denial appears to be based on internal processing limitations rather than any valid contractual or policy reason. I have already attempted to resolve this directly with the bank, but they declined to correct the issue. I request that this matter be resolved promptly.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting a complaint regarding a late payment that was reported on my credit account, which I believe resulted from an error during a phone payment processed by a representative. I contacted Navy Federal Credit Union by phone to make a payment on my credit card account. During the call, I provided my payment information to the representative. As part of the process, the representative read back the account number ; however, it appears that one digit was stated incorrectly. I did not notice the discrepancy at the time and reasonably relied on the representative to accurately confirm the information. As a result of this error, the payment was not applied correctly, which led to my account being reported as late. This was not due to a failure or refusal to pay, but rather an issue caused during the processing of the payment by the institutions representative. I have since attempted to resolve this issue directly with Navy Federal Credit Union, but the matter has not been satisfactorily addressed. I am requesting that the call recording be reviewed to verify that the incorrect account number was read back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
So When I WAS HOME ALONE, AND I COULDN'T EAT NOR DRINK AND NOT SURVIVE ON MY OWN BECAUSE I MEDICALLY COULD NOT COOK, BAKE, CLEAN MYSELF, ETC., BECAUSE OF STRESS, RECENT XXXX XXXX, SICKNESS, & MY XXXX & XXXX, I HAD TO ORDER OUT XXXX & XXXX STUFF OUT INSTEAD OF BEING ABLE TO EAT STUFF AT HOME & GO OUT TO BUY THE FOOD, DRINKS ( EVEN WATER! ), & SUPPLIES FOR MY BEDROOM & SUCH, AMONGST OTHER SUCH THINGS, BECAUSE I COULD NOT SURVIVE OTHERWISE BECAUSE MY MOM WAS FORCED TO BE IN THE HOSPITAL FOR 8 MONTHS & 4 MONTHS IN A MEDICAL REHABILITATION CENTER. I WAS FORCED TO BUY STUFF ONLINE FROM THE FOLLOWING MERCHANTS : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX I DID NOT GET ANY FOOD UNTIL IT WAS ALREADY SPOILED & INEDIBLE, WASTING UP TO ~ XXXX XXXX XXXX XXXXXXXX!!! I COULDN'T GET ANYTHING RIGHT! NOTHING WAS OFFERED UNTO ME THAT WAS CORRECT! I NOW OWE A GRAND TOTAL OF {$2400.00} FOR STUFF THAT I DIDN'T GET, I DIDN'T GET IT TO BE ABLE TO EAT IT, OR ANY SUCH THING!!! I... I ALSO CALLED AMEX MULTIPLE TIMES NOW! THEY BASED ME UPON A STEREOTYPE, AND THEY BARELY HAPPENED TO BE OF HELP TO ME AT ALL! ME, THE BENEFICIARY, TO THE TRUSTEES, AMERICAN EXPRESS & IT'S AFFILIATES, THE BENEFICIARY WAS UNJUSTLY & UNRIGHTEOUSLY FORCED INTO A PREDICAMENT TO PAY A BILL UNJUSTLY DUE TO HIM, WHILE THEY, THE TRUSTEES, ABUSED THEIR RIGHTS AFFORDED AND NOT AFFORDED TO THEM, AS PER XXXX XXXX LAW, TO HARM THE CONSUMER. THEREFORE, BY IN RESPECT TO THE LAW OF THE LAND AND THE LAW OF THE SEA, GOVERNING THE UNITED STATES OF AMERICA, THE STATE OF TEXAS, & XXXX XXXX, A XXXX XXXX XXXX PAIN & UNDUE HARDSHIP HANDED UNTO THE BENEFICIARY, THE TRUSTEES ARE ACCUSED OF MALFEASANCE, UNJUSTLY CREDIT REPORTING PRACTICES, & UNJUST & PREDITORY CREDIT PRACTICES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I submitted a complaint with student aid.gov, which is still unanswered after XXXX month. Feedback Case # XXXX Date Submitted XX/XX/XXXX. I have also followed up with my loan servicer advantage and spoke with a representative this past Friday XXXX. when I spoke with my loan services representative, she explained that nothing could be done on the front end when a borrower was enrolled in the XXXX loan program. they said that after XXXX business days, the back end should be able to investigate the issue and I should receive some form of communication either an email or something in my advantage inbox. I received no such communication. I called back and advantage said that it was closed although the contact support information said normal business hours aligned with the time that I was calling. I added a message to my student aid.gov case and no one seems to be able to help me with my issue or explain how to re-enroll me in the loan plan. I was on at the time my loans went into payment back in XXXX. Because XXXX in the safe plan all of the payments that I make are not counting towards forgiveness yet I am unable to switch to an available plan. My student loan situation is becoming hopeless. I am reaching out to the XXXX entities that are controlling my loan and getting no help whatsoever.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding a failure to follow basic fraud prevention protocols that resulted in a significant financial loss due to a scam. On XX/XX/XXXX, my wife, who is an authorized user on our account, withdrew approximately {$9800.00} in XXXX transactions ( {$8000.00} and {$1800.00} ). At the time of these withdrawals, she was actively being manipulated and coerced by a scammer over the phone. She was under significant distress and was being instructed step-by-step on what to do with the money. The funds were immediately deposited into a XXXX machine, which is a known and common method used in fraud schemes. This type of transaction is widely recognized as high-risk and frequently associated with scams. Despite the large withdrawal amount, the unusual nature of the transaction, and the clear indicators of potential fraud and coercion, Wells Fargo failed to intervene or implement any meaningful fraud prevention measures. No questions were asked, no warnings were given about common scams involving XXXX, and no effort was made to assess whether my wife was acting under duress. Given the widespread knowledge of these scams within the banking industry, I believe Wells Fargo had a responsibility to identify red flags and take reasonable steps to protect its customers from financial harm. This situation represents a failure in their duty of care and fraud prevention practices. As a result, we suffered a financial loss of {$9800.00}. I am requesting that Wells Fargo : Conduct a full investigation into this incident Review whether proper fraud prevention protocols were followed Provide reimbursement for the financial loss Explain what safeguards are in place to prevent similar incidents This has caused significant financial and emotional distress, and I expect a thorough and fair resolution.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against Midland Credit Management regarding an alleged debt in the amount of {$1500.00}, associated with account number XXXX. I dispute the validity and/or handling of this account. I am requesting that your office investigate this matter due to concerns including, but not limited to : Lack of proper validation of the debt upon request Inaccurate or incomplete reporting to credit bureaus Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) Failure to provide sufficient documentation supporting the debt Despite my efforts to resolve this matter directly, I have not received adequate verification or resolution. I am formally requesting that Midland Credit Management provide full and proper documentation substantiating this debt, including the original creditor, a complete payment history, and proof of my legal obligation to pay. Additionally, I request that any inaccurate information related to this account be removed from my credit reports immediately. I ask that the Consumer Financial Protection Bureau review this complaint and assist in ensuring that my rights as a consumer are protected. Please keep me informed of any findings or actions taken regarding this matter. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Formal Complaint against JPMorgan Chase Bank regarding Denial of Official Identity Theft Evidence and Consumer Misleading ( Claim Number : # XXXX ) Description of Incident : Origin of Fraud ( XX/XX/XXXX ) : My victimization began in XX/XX/XXXX when I was targeted by a professional impersonation scam. The subjects posed as licensed attorneys affiliated with the XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) and used fraudulent inducement to deceive and defraud me. Acknowledgment of Fraud ( XX/XX/XXXX ) : In XX/XX/XXXX, these subjects attempted further unauthorized withdrawals from my account. I immediately reported this to Chase Bank. At that time, the bank acknowledged the fraud, opened Claim Number : # XXXX, and issued a provisional credit to my account. This action serves as Chases official recognition that these transactions were indeed fraudulent. XXXX XXXX and XXXX XXXXXXXX : Shortly after, Chase retracted the credit and closed the claim citing " statute of limitations. '' However, branch officials explicitly informed me that if I could prove the fraud with an official police report, the claim would be accepted and reopened. Official Law Enforcement Determination : Following the banks instructions, I initiated a full investigation with the XXXX Police Department ( Case # XXXX ). On XX/XX/XXXX, the Detective issued a Supplemental Report officially classifying the case as " Grand Identity Theft '' and " Grand Theft. '' The report confirms that the suspects used fictitious identities, fake addresses, and forged signatures to defraud me over an extended period. Chase Banks Bad Faith Response : Despite presenting this conclusive criminal evidence on XX/XX/XXXX, Chases Fraud Department ignored the official report and refused to reopen the case. By doing so, they have disregarded their own prior acknowledgment of fraud from XX/XX/XXXX and an official law enforcement determination. Providing Misleading Legal Information : When I requested an investigation under Federal Regulation E, a Chase Fraud Department representative intentionally provided false and irrelevant information, claiming they operate under " Federal C '' ( Regulation Cwhich pertains to mortgage disclosures and is completely unrelated to this case ) in an attempt to discourage me from pursuing my legal rights. Requested Resolution : Chase Bank is in violation of Federal consumer protection laws by refusing to recognize an official criminal report of Identity Theft. I demand that Chase Bank immediately reopen Claim Number : # XXXX in light of this new official evidence and reimburse the funds for the losses I have unfairly suffered due to this victimization. Investigating XXXX XXXX : XXXX. XXXX XXXX Criminal Investigations Unit XXXX XXXX, United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, I received a notification from my bank, Bank of America, that a transaction was being attempted on my account. When I accessed my account, I saw a message indicating the transaction had already been approved, despite the fact that I did not authorize or initiate it. I immediately contacted Bank of America and informed them that there was a transaction in the amount of {$4000.00} that I did not recognize or approve. I was transferred to the fraud department, where a claim was opened. During this time, I took immediate action to protect my account by freezing it, changing my password, and opening a new account. The following day, I contacted the fraud department again to transfer my remaining funds. At that time, I was informed that my claim had been denied because the transaction was processed through XXXX, and therefore considered authorized. I was also told that I should have received a verification phone call from the bank to confirm the transaction, which I did not receive. I was further advised that my phone may have been compromised and was told to have it checked. I questioned how the claim could be denied if there was a possibility my device had been hacked and emphasized that this transaction was completely out of character for my account activity. The representative acknowledged this concern and agreed to reopen the investigation. On XX/XX/year>, I took my phone to XXXX XXXX, where I was informed there was no evidence of hacking or compromise. I relayed this information back to the bank. Approximately XXXX week later, I followed up and was told the case was still under investigation. However, I subsequently received a letter from Bank of America denying my claim for a second time. I have since spoken with a police officer, who advised me to file a formal complaint. I am filing this complaint because this transaction was unauthorized, I acted immediately, and I have been unable to recover my funds despite clear indicators of fraud and inconsistent guidance from the bank.

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