vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ADS Resolve LLC
State: TX

Complaint narrative:
ADS Resolve called and stated that they could reduce debt on 2 credit cards. I agreed to let them reduce my amount on 2 credit cards and they used a 3rd credit card to which they charged {$8000.00} and had told me they would charge {$1200.00} to take care of my debt. I tried to reach out to they as I had not heard from them since XXXX phone call and found they had been fraudulent with Seniors and Military clients. I have now had to get a true and reputable law firm to handle a lawsuit from a creditor to take care of my problem.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
So for starters my chime account was in negatives the total ranging up to {$36.00} with fees of course ranging a dollar to two dollars total submitted inside the account to bring out of the negatives was {$50.00} fees included did not range up to the full {$50.00} I am owed {$14.00} so instead of them giving that to me they took my money so what I did was try to call the number apparently their whole line is down the number is not even working there is also secondary issues with their AI bot trying to communicate with it about the payment issued disputing it and it does not even give you the correct options nor functionality of what's going on and it is not resourceful at all nor is the live team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In or around XX/XX/year>, the other joint account holder on my account, XXXX XXXX, initiated a wire transfer of approximately {$10000.00} without my knowledge or consent. After this incident, Bank of America withdrew approximately {$8000.00} of my own funds from the account and subsequently closed the account entirely. I never authorized this transfer, and I did not receive any benefit from it. 

I personally went to the bank to withdraw money from my account and was informed that my account was temporarily frozen. I became aware at that time that a wire fraud had occurred. 

It is my understanding that XXXX XXXX went to multiple banks and withdrew the funds in sections, further misusing her access to the joint account. I believe this constitutes theft and fraud, as she used the account for her personal gain, depriving me of my rightful funds. 

This loss has caused me significant financial hardship. I am requesting that this matter be documented as a criminal complaint and investigated accordingly. 

Thank you for your prompt attention to this serious 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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A fraud claim was done at the capital one bank on my account which overdraft into negative, a settlement was done for capital one bank but for some reason my bank account XXXX was excluded!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our mortgage loan got transferred to a new company. We wanted to recast our loan to get our payment lower. After we made out payment on XXXX and they also took their recast fee, we still do not have the loan finalized. I have reached out to the company many times to try to get this finished and get the same response of 7-10 days. Once I finally got to a manager I was told we had to start the process over again because of an employee error on XXXX. In the meantime we have had to make months of mortgage payments to stay current. Once we did get the documents to sign to get the ball rolling they were incorrect ( TWICE ). You can see where they did all the work on the back side to get the account where it needs to be so they can get the documents correct but as of XXXX this is still not completed. The last thing changed on the account was XXXX. The original document was supposed to be signed by XXXX and didn't even get sent to us until XXXX. Lastly my wife 's middle name isn't even correct on the mortgage documents!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX of 2026 approximately XXXX, I tried to login to my bank online and it said that there was no account with the information I put in. It only said to change my password and I put forget password and they sent me an email saying my account is blocked. On Monday XX/XX/XXXX of 2026, I called and they said they couldnt give me any information about them blocking my account. I explained all my transactions are legal and all my information is current and true and didnt commit any fraud of any kind I only send and receive money thats what I got the account for and thats what it is used for. I went in person to the bank and the person that attended me said that they dont just close an account without reason. She gave me another number for me to call. I called and they told me the same thing. To me its discrimination that they just closed my account when I have done nothing wrong and they cant give me a reason why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My sister asked me to temporarily receive a transfer of approximately {$400.00} {$600.00} so she could access funds for a purchase. She informed me she would be sending the money to my account, and I agreed to help her. The funds were voluntarily sent to my account with my knowledge and consent. 

At a later time, without my knowledge, my sister contacted her bank and claimed that she did not authorize the transfer. This false claim resulted in my Navy Federal Credit Union account being flagged and closed for alleged fraud. 

I did not request an unauthorized transfer, did not misrepresent myself, and did not engage in any fraudulent activity. I was unaware that any issue existed until I attempted to use my debit card and discovered my account had been closed. 

When I later contacted my sister to ask what had happened, she initially denied making the report. I subsequently learned that the transfer was disputed, which caused my account to close.I had no intent or involvement in any fraudulent conduct.

I am requesting a full review of this matter, All I want to is Reopen my Checking/Savings Account, also removal of any fraud-related reporting, and written clarification regarding the account closure decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Request for Refund- I am writing regarding ongoing monthly fees charged to my business checking account that I believe were improperly assessed. 

I opened this business account on XX/XX/year>, with the understanding that I still have in my opening statements that maintaining {$1500.00}. minimum balance would avoid monthly fees. I consistently met this requirement. However, beginning XXXX XXXX, monthly fees were deducted without my knowledge or any notification of policy change. These fees increased from {$12.00} to {$15.00} per month and now total {$830.00}. My contact information as far as email and phone number on the account has and still is the same so easy enough to get ahold of me. 

I only became aware of these charges two months ago when an email came through about upcoming changes to business accounts for the new year. After multiple phone calls an in-person visit to my local branch, I was refunded only {$100.00}. Despite escalating this matter twice, I have received no follow-up regarding the remaining {$630.00} that is still owed to me. 

I have been a customer for over 20 years and currently hold a mortgage, two credit cards, three savings accounts, and four checking accounts with your bank for my family of four. There is no reasonable explanation as to why I would not have sufficient overall funds to meet the alleged {$500.00} shortfall cited for this account that I had no knowledge of it even being short. 

It is unacceptable for {$630.00} to be taken in fees without notice, communication, or timely resolution. I am requesting a full refund of the remaining balance and written confirmation as soon as possible. I have given 2 months for your company to respond and handle this before I had to report to Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My account was randomly closed and whenever I now try to make a new account with my phone number through zelle with ANY XXXX, the phone number is restricted from zelle. Zelle will not give me a reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I respectfully disagree with Goldman Sachs Bank USAs response and request that this complaint remain open for further review. 
Goldman Sachs reply does not address the substance of my complaint. I am not disputing that the Bank has the contractual ability to review credit reports or to reduce credit limits. I am disputing the fairness, proportionality, and consumer harm caused by the Banks actions and subsequent policies. 
While the Bank characterizes the credit limit reduction as a standard risk assessment, it reduced my credit limit from approximately {$4000.00} to {$500.00} due to a temporary dip in my credit score, despite my account being in good standing with no missed payments, delinquencies, or misuse. A reduction of this magnitude significantly increased my credit utilization ratio, which is a major factor in credit scoring, thereby causing additional and ongoing credit harm. 
More importantly, after my credit score recovered, Goldman Sachs denied my credit limit increase request solely because a prior credit limit decrease had occurred. This creates a circular and self-reinforcing penalty, where : A temporary credit event results in a severe credit limit reduction That reduction itself damages the consumers credit profile The Bank then refuses to reconsider or restore the limit because of its own prior adverse action Goldman Sachs statement that it is unable to reverse previous credit limit decisions is particularly concerning. This policy effectively prevents consumers from recovering from bank-initiated adverse actions, regardless of current creditworthiness, and contradicts the Banks assertion that it regularly reviews accounts to assess risk. 
Advising consumers to wait XXXX  months or to contact credit reporting agencies does not remedy the harm caused by the Banks internal policies. The credit reporting agencies did not reduce my credit limitGoldman Sachs did. The resulting utilization increase and credit impact stem directly from the Banks decision. 
This complaint is not about whether the Bank followed internal procedures, but whether those procedures result in unfair consumer outcomes by trapping consumers in prolonged periods of reduced credit access after temporary credit events. 
I respectfully request that this complaint remain open and that Goldman Sachs be required to : Address why current creditworthiness is not considered when denying credit limit restoration Explain how consumers can reasonably recover from bank-initiated credit limit reductions Re-evaluate my credit limit based on my present credit profile Thank you for your continued review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I had reported fraud to my banking account. I had been continuously getting charged for a XXXX XXXX membership that I was not signed up for, and when I contacted the bank ( USAA ) They stated that they decided to close my account because I had done business with a fraudulent merchant. This was after XXXX of their members guided me on the phone on how to report XXXX XXXX as a fraudulent business. They said that because I did that ( they told me to ) that they held the right to close my account at any time that they want to without notice and hold onto my money for XXXX days. Im not allowed to make withdrawals transactions or anything. I can only get money deposited into my bank account. 
Because of this, I have not been able to pay any of my debt credits, my cards, bills, or even my own rent. My credit score has gone down over XXXX points because of this. When I tried to contact the business again to reverse it or settle this, they would not hear me out, and they absolutely refused to reopen my account. I cant even open up a new bank account because I need money to deposit to start a new one and they will not give me a cash advance check to do that. Even for {$50.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My American Express gift card has been on hold by XXXX since a return of {$340.00} was made XX/XX/XXXX. I sent my proof of purchase, proof of return, and an email from the store manager of the XXXX XXXX XXXX the return was made at confirming that the return was valid on XX/XX/XXXX. I called two weeks later and they told me they did not receive my documents despite me sending them to the email I was instructed. I sent my documents again on XX/XX/XXXX XXXXto the email I was instructed to send to, and once again did not hear back in the promised timeframe. They again told me they didnt receive the documents, so I sent them a third time on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. I did not hear back so I called and they said they did receive the documents, but I never got an email confirmation like they said I would. They told me to give them 5-7 business days to resolve. The entirety of XX/XX/XXXX was spent by me calling the company every 5-7 business days and them telling me they didnt have an answer. Then, in the beginning of XX/XX/XXXX they said they had escalated the case ( despite saying that multiple times before ) and requested I send my documents a fourth time even though they told me my documents were received XX/XX/XXXX. I sent the documents to the email address they instructed on XX/XX/XXXX for the fourth time and received an error message saying I was not allowed to send emails to that email address due to the companys restrictions. I called back, and after another 45 minutes on the phone they told me to send it again to the original email address. So I sent my documents a fifth time to the instructed email address on the same day, XX/XX/XXXX, and never heard back. I called two weeks later and they told me that they did not have an update but they would escalate my case again. I called today, XX/XX/XXXX, and they told me to wait another 15-20 business days and that my case was still under review despite them having the documents since XXXX or in their version of events- XXXX. Either way, they are withholding my money and refusing to resolve my case despite having the evidence requested for multiple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Third party debt collector is looking to collect on debt insufficient information in regards to account /debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc
State: LA

Complaint narrative:
They put that i owed them XXXX from my chime credit builder card but I never use that card at all since I got it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loan servicer is not processing my application for a lower monthly payment. I can not make those payment AND pay my household bills. They are only recognizing my pre-taxed income and are not considering my deductions and household bills which prove i can not make the required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Coinbase, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, I accidentally signed up for the Coinbase XXXX credit card and attempted to cancel both the credit card and the Coinbase XXXX subscription at the same time. During the same week, I received two verbal confirmations from Coinbase support that both the subscription and credit card were canceled and that all charges would be reversed. 

Despite these confirmations, the Coinbase XXXX subscription was implemented on XX/XX/year>, and Coinbase continued to : * Bill the subscription * Charge interest and late fees * Maintain a balance on a canceled credit card I submitted multiple online support tickets, but these attempts were unsuccessful. Coinbase support repeatedly redirected me to phone support and refused to handle the dispute in writing. 

Timeline of Events : | Date | Event | Action / Outcome | XX/XX/year> | Coinbase XXXX credit card issued | Attempted cancellation of both the credit card and the Coinbase XXXX subscription at the same time due to accidental signup Same week, XX/XX/year> | Contacted Coinbase support | Received two verbal confirmations that both the subscription and credit card were canceled and that charges would be reversed XX/XX/year> | Coinbase XXXX subscription implemented | Subscription charges began despite prior cancellation and verbal confirmations XX/XX/year> Present | Unauthorized billing continues | Coinbase continues charging subscription, interest, and late fees despite verbal confirmations XX/XX/year> Present | Online support attempts | Multiple tickets submitted ; no written confirmation received ; repeatedly redirected to phone support Present | Written response from Coinbase | Stated limited resources and directed me to call ; refused to handle dispute in writing Present | Action requested | Full reversal of charges, removal of interest and late fees, written confirmation of subscription and card closure, correction of account balance/history |

Company response to consumer: Closed with monetary relief