vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a citi credit card customer since XXXX. I received notice that my bank account with Citibank was closed without any explanation. When I contacted the bank, they refused to provide a reason for the closure. I didn't receive any information regarding my Citi XXXX XXXX credit card. At the time, I had over XXXX XXXX points that I had earned through normal card usage. I was never given any prior notice or reasonable opportunity to redeem these points. They closed my account in XX/XX/XXXX. After the account closure, I was informed that all of my points were automatically forfeited. These rewards have a significant financial value and were part of the original agreement and incentives tied to the credit card. The immediate forfeiture of my points without notice or an opportunity to use them represents a substantial and unfair financial loss. The Citi XXXX XXXX XXXX is marketed as a rewards card. The points I earned were part of the cards core benefits. Removing them immediately without giving me any opportunity to redeem them contradicts the purpose of the program especially when you consider that I have been Citi credit card member more than 10 years.

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 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank failed to provide billing an account number and billing information to the address on file. I was not able to pay without it and was punished for it with penalties fees, plus it heavily damaged my credit score. I tried contacting them many times with the same obstacles, claiming they dont have a way to escalate, nor create a case number. Missinformation and misdirection from every agent was provided as they excuses were inconsistent. The last agent XXXX with ID XXXX, explicitly, on phone recording, claimed that they have no access to corporate or to create a case, same with the other agents I spoke previously for billing department. The issue arose when Synchrony Bank failed to deliver the proper documentation to my address. Instead it was sent to another address in which I dont reside anymore. XXXX XXXX ( XXXX ), XXXX, and the customer ( me ) provided documents with the correct address. I was punished and forced to pay fees and my credit report was heavily damaged. In 2 separate occasions I have delivered and faxed complaints and requests of disputes to their XXXX XXXX through couriers plus fax. Synchrony XXXX XXXX XXXX XXXX, Pennsylvania. XXXX In none of the attempts of communication were the customer service agents and supervisors able to provide any record of them in separate occasions, making it even impossible to find information of any department, including contact information from billing to be reachable under the pretenses that they dont exist or they dont have access to it.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TomoCredit Inc.
State: PA

Complaint narrative:
CFPB COMPLAINT : FINAL NOTICE OF REGULATORY ESCALATION COMPANY : TomoCredit Inc . RE : CASE # XXXX & # XXXX DEMAND : IMMEDIATE RESTITUTION VIA PHYSICAL CHECK STATUTORY NOTICE & STATEMENT OF MATERIAL FACTS This is a formal escalation following TomoCredits repeated use of the CFPB portal to submit automated, non-responsive templates in bad faith. I am putting the company on notice that I am no longer seeking a " customer service '' resolution ; I am asserting my rights under federal and state consumer protection laws. TomoCredit is currently in possession of {$120.00} of my funds under a textbook case of Unjust Enrichment and Failure of Consideration. I did not cancel my service ; TomoCredit unilaterally terminated my application and seized my fee without rendering any service. LEGAL VIOLATIONS & REMEDIES : UDAAP ( Federal ) : TomoCredits " fee-harvesting '' model and the use of deceptive customer service loops to evade accountability constitute Unfair, Deceptive, or Abusive Acts or Practices under the Dodd-Frank Act. PA UTPCPL ( State ) : As a Pennsylvania resident, I am invoking the Unfair Trade Practices and Consumer Protection Law. Under 73 P.S. 201-9.2, I am entitled to seek Treble Damages ( 3x the amount ) and attorney fees for fraudulent or deceptive conduct. Class-Action Parallel : This conduct is a direct mirror of the predatory patterns currently being litigated in XXXX XXXX TomoCredit, XXXX ( Case No. XXXX ). FINAL DEMAND FOR RESTITUTION : My original payment method and bank account are CLOSED. Any attempt to refund the original method will be viewed as a further attempt to obstruct justice and delay restitution. I demand a physical check for {$120.00} mailed to the address below within 10 business days. Failure to provide this restitution will result in a formal petition to the Pennsylvania Attorney Generals Bureau of Consumer Protection for an enforcement action and a formal report to the FTC Enforcement Division. This is your final opportunity to resolve this before I move to civil litigation for statutory damages. CONTACT RECORD ( UPDATED ) Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX ( NEW PRIMARY NUMBER ) Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: MD

Complaint narrative:
I am submitting this complaint regarding a fraudulent wire transfer that occurred from my account at Bank of America on XX/XX/XXXX. I was the victim of a job scam in which individuals impersonated a legitimate employer and instructed me to send a wire transfer as part of a fraudulent onboarding process. Based on these false representations, I sent a wire transfer totaling over {$9000.00}. On the same day as the transaction ( within a few hours ), I realized I had been scammed and immediately reported the fraud to Bank of America. Because of the prompt reporting, I expected immediate action to attempt to recall or recover the funds. However, despite reporting the fraud within hours, I have not received clear or consistent updates regarding the handling of my case. Specifically, I have not been informed of : The exact time the wire recall was initiated Whether the receiving bank responded to the recall request Whether any funds were recovered or frozen The current status or expected resolution timeline I have been told the case is pending response from the receiving bank, with a possible timeline of up to 45 calendar days. However, I have not been provided meaningful transparency regarding whether appropriate and timely recovery actions were taken during the critical initial window when funds may still have been recoverable. Given that I reported the fraud within hours of the transaction, I am requesting a full review of whether Bank of America executed proper and timely wire recall procedures.

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 2026-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Good Afternoon, On XX/XX/2026, someone transferred {$12000.00} from my Bank of America credit card. Also, On the same day my cell phone was unauthorizedly port out. Bank of America says they transfer the money to one of my accounts that I have with XXXX XXXX but I have never had any bank account with XXXX XXXX. I was also confirmed by XXXX XXXXXXXX XXXX that they are not finding any account under my social security. I made a Claim with Bank of America, but they refused. I made a police report at XXXX police Department. Report XXXX. XXXX. I truly need your help. I included all the supporting documents I have. Thank You XXXX 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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXXC XXXX Subject : Complaint Against Tower Loan Account No. XXXX To Whom It May Concern, I am writing to file a formal complaint against Tower Loan regarding account number XXXX, with a reported balance of {$3000.00}. I am disputing the accuracy and/or validity of this account. Despite my efforts to obtain proper verification, Tower Loan has failed to provide sufficient documentation to support the legitimacy of this alleged debt. This lack of transparency raises concerns about compliance with federal laws governing fair credit reporting and debt collection practices. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and other applicable consumer protection laws, I have the right to request and receive accurate and verifiable information regarding any account reported under my name. To date, Tower Loan has not met this obligation. Specifically, I am requesting that Tower Loan provide : A complete and accurate accounting of the alleged debt Documentation bearing my signature that proves I agreed to this obligation Proof of their legal right to collect on this account Verification that the information being reported to the credit bureaus is accurate and complete If Tower Loan is unable to provide the requested documentation, I respectfully request that this account be removed from my credit reports immediately. Additionally, I am requesting that the CFPB investigate this matter and ensure that Tower Loan complies with all applicable federal laws and regulations. The continued reporting of unverified or inaccurate information is causing harm to my credit profile. Please keep me informed of the results of your investigation. Thank you for your time and assistance in this matter.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: SC

Complaint narrative:
Self Credit XXXX Loan paid off XX/XX/year>, payout was confirmed for {$3000.00} on XX/XX/year>, now company saying under review if funds held in a Secured CD whats to review. Misleading statement made by company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX XXXX XXXX Capital one violated my rights under the ( TCPA ) i told them to stop calling me and to communicate through usps. And they kept calling and calling and sending emails and text messages. I have a XXXX so I told them by phone to only communicate with me through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I made a direct transfer of {$40.00} through cashapp to my bank account ( that was the only account that I used up until that day ) that never reached my bank but was redirected to an unknown account so I reached out to the company through chat and explained the situation and I was told that the money was sent to an account that was set up by me and that the case was closed but I could file a new case with more evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a complaint against Chase Bank regarding a {$130.00} balance transfer fee that I was explicitly told would be reimbursed. On XX/XX/XXXX, I contacted customer service after realizing I had made an erroneous balance transfer that resulted in a negative balance. During that call, the representative clearly stated that if I corrected the negative balance, the balance transfer fee would be reimbursed. I relied on this representation and took immediate action to correct the negative balance. This was done specifically because I was told the fee would be reversed once the issue was resolved. After fulfilling my end, I contacted the company again to request the reimbursement. I was then told there were no notes on my account reflecting this agreement, and my request was denied. This response is unacceptable. I acted in good faith based on the information provided by the companys representative. The companys failure to document the call internally does not negate the representations made to me, nor does it relieve them of responsibility for those statements. This situation constitutes a misrepresentation of terms and has caused direct financial harm. I made a financial decision based on inaccurate or unfulfilled information provided by the company. I am requesting the following : Full reimbursement of the {$130.00} balance transfer fee as originally promised. A review of the recorded call from XX/XX/XXXX, which will confirm the representation made to me. A written explanation of the findings and what corrective actions will be taken to ensure accurate information is consistently communicated to customers. If this issue is not resolved, it raises serious concerns about the reliability of customer service representations and the companys accountability for information provided to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: SN SERVICING CORPORATION
State: PA

Complaint narrative:
b'Subject: URGENT: Formal Complaint Regarding Mortgage Transfer Delay, Credit Inaccuracy, and Staff Misconduct\nDear SN Servicing Legal Department,\nI am writing to formally follow up on two phone calls made today regarding the status of my Mortgage transfer, as well as ongoing concerns related to inaccurate and incomplete credit reporting.\nDespite my proactive efforts to resolve this, including the fact that I have successfully acquired the required signature from XXXX XXXX, I have received no confirmation of receipt or progress. This document is a critical component of the transfer, yet its submission has seemingly been met with no action or formal response from your office.\nFurthermore, during both calls today, I encountered a concerning lack of professionalism. The second call involved a supervisor whose conduct I found to be unprofessional and unethical. Their lack of empathy regarding the urgency of this Mortgage transfer is unacceptable, given the significant legal and financial implications involved.\nI was also provided with inconsistent information regarding my assigned legal representative. I was told variously that the representative listed on previous communicationsXXXX XXXX XXXX have retired, may still be working, or may be unavailable in another state. This lack of clarity is highly concerning and suggests a disorganized handling of my file.\nAt this time, the Mortage transfer remains incomplete, and credit reporting issues have not been resolved. I am formally requesting the following within 48 hours:\n Immediate confirmation that the signature provided bXXXX XXXX XXXX has been received and processed.\n A definitive status update on the Mortgage transfer and a clear timeline for completion.\n Written verification that all credit reporting has been corrected and accurately updated to reflect the current status of the property and account.\n Clarification on the current legal representative assigned to this matter, including their direct contact information.\nIf these matters are not resolved promptly, I am prepared to escalate this issue further. This will include formal complaints to the Attorney Generals Office and XXXX XXXX XXXX XXXX, as well as the involvement of outside legal counsel to address damages caused by these delays and reporting failures.\nI expect a response that reflects the seriousness of this situation and the effort I have made to provide the necessary documentation.\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have been a customer of Wells Fargo for almost 30 years. I have always maintained the appropriate minimum balance in my Wells Fargo account to keep my account open without being subject to fees. The minimum was {$1500.00} for as long as I can remember, but then they changed it to {$500.00}. When I found out about that change I reduced my account balance to be at least {$500.00} to avoid fees. They then raised the minimum back to {$1500.00} and started charging a {$15.00} per month account fee since my balance was below the new minimum. They said they put a notice in my statements but I never saw this or acknowledged being notified. I think they set the minimum balance from {$1500.00} to {$500.00} to get customers to lower their balances, only to intentionally change it back to {$1500.00} to trap customers into paying ridiculous fees. Customer service refused to refund {$45.00} of the fees, so I canceled my account and will no longer do business with Wells Fargo again. This seems to be a continuation of their shady business practices.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint back in XXXX and I have spoken to a number of different reps. Some reps could not provide me information that you could upload documents to the app. Other reps was telling me that they were putting in escalations for me to upload further documentation I have called numerous times with inconsistent information every time I reach a representative. It's something different. The last Supervisor before this was closed in XXXX told me no additional information was needed, and if any additional information was needed, I would receive a response but the only response I received is that they closed it. No one seems to care how you're being treated. No one seems to care about somebody doing a lack of work in the investigations team. Nobody seems to want to have a manager. Call me back to escalate this situation to the back office. Who's doing my dispute to make sure it's done thoroughly since I have provided ample information to them, including receipts from the XXXX XXXX and other providers I've seen plus a doctors office.

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 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
This account is being improperly re-reported by Sentry Recovery & Collections. This same debt was previously disputed and removed from my credit report following a complaint filed with the Consumer Financial Protection Bureau. The account has now reappeared under a different collection agency with a higher balance of {$3500.00}, while the original balance was {$2600.00}. This increase has not been explained or validated. I disputed this account again with XXXX and it was not properly verified and only marked as updated. This appears to be improper reinsertion of a previously deleted account without proper validation or required notice.

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 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
This is an update to my earlier complaint ID : XXXX. I am submitting additional evidence regarding my existing complaint. I visited XXXX in person and obtained a printout of my actual account information. XXXX confirmed that my account number was XXXX. The account number being reported by Jefferson Capital Systems is XXXX, which does not match my actual XXXX account. This discrepancy indicates that this collection account is inaccurate and not mine. I request the immediate removal of this collection account from all credit reporting agencies

Company response to consumer: Closed with explanation