vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint regarding an inaccurate account entry on all XXXX credit bureaus credit report. The account in question is a Wayfair-branded XXXX credit account, which is being reported as having a balance of approximately {$300.00} and although this was recently disputed and resolved with CFPB, they have not contacted me about selling this debt to a collector, XXXX business service who has reported this as a collection to my credit reports. In recent CFPB dispute, when company responded, they responded that theyre update and charge any balance to my wayfair card and that has not been done. Instead, they sold this to a collector and theyve destroyed my credit As you remember in last dispute, I have contacted XXXX, the issuer of my XXXX credit card, and they have confirmed that my account has maintained a XXXX balance for nearly a year, following full payment of the balance. I have attached a recent XXXX statement verifying that there is no balance owed. Additionally, I have never received any correspondence from the company or entity currently reporting this account as a collection. There have been no letters, emails, or phone calls regarding any alleged debt or outstanding balance. As a military spouse residing at XXXX XXXX, Virginia, I am not required to change my home address under the Servicemembers Civil Relief Act ( SCRA ). Therefore, any claim that correspondence was sent but not received is invalid, as I have had no communication whatsoever regarding this matter. The inaccurate report of this alleged balance is causing unwarranted harm to my credit reputation. I respectfully request that the CFPB investigate this issue and require TransUnion and the company reporting the account to remove the inaccurate collection entry immediately in compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter. I am attaching supporting documentation to verify the accuracy of my claim. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express is charging me above XXXX  % XXXX and according to the Louisiana SCRA act I shouldnt be charged more than XXXX  %. I want all interest paid back that I paid above that rate. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac has started taking money from my checking account without authorization. This is the second time they have done this and I want it stopped. 
I called and spoke with a representative but got attitude. 
I did NOT authorize withdraw and Never would. I am a XXXX XXXX XXXX veteran rated at XXXX % I do not XXXX well. 
Could you please find out who has been withdrawing extra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I walked into the bank with two checks. My goal was to cash and deposit both checks. One of the checks were for {$1400.00}. The second check was for {$360.00}. My goal was withdraw {$200.00} from that balance the teller let me know that my funds would be available right away And I left the bank. Later on that day, I looked at my account and I saw that there was my deposit, and a reversal was made for {$1700.00}. I didnt understand what that meant. I tried to get a hold of of the bank but they close at XXXX XXXX that day. It was an early day for them. I looked at the account saw what like was spelled out as a reversal I never saw that before I went to the bank to find out what had happened and why that was on my account they told me it was on my account because they gave me all of my cash back that day that was a lie. I went in and deposited {$1700.00} and I walked out of the bank with {$200.00} cash when I asked to speak to the bank manager I told him my issue. He said he will review the cameras and he would get back to me but they are refusing to investigate. I called them and I let them know that Theres no way that they couldve saw seen her give me {$1700.00} and they told me that they think she did. I said what do you mean you think she did so you are not double checking because she gave me {$200.00} in fives and tens I asked him if he saw her count out {$1700.00} and he said no he said he she said that she gave it to me, but there was no checking of the cameras I need this issue to be look immediately because this bank is trying steal my money and theyre trying to cover it up. Please help me as soon as possible. Thank you.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Chase is wrongfully withholding $ XXXX of my funds. They claim they can not verify my business because it does not appear on the Maine Secretary of State website. This is a violation of Maine Law ( Title 31, Ch 1, 2 ), which mandates that Sole Proprietorships file at the Town/Municipal level. I have provided my valid EIN and my certified Municipal DBA Certificate. Chase is applying the wrong verification standard ( Corporate State Search ) to a Sole Proprietorship, resulting in an illegal freeze of my assets. Regarding the account closure : I explicitly informed a Chase associate at the XXXX branch that I intended to use this account to accept XXXX payments for my business sales. The associate assured me this was permitted. I relied on this professional advice. 

Chase then closed my account for XXXX XXXX XXXX XXXX, ' which was the exact activity I disclosed and was approved for. I am now being penalized for following the direct instructions of a Chase representative. I request that my account closure reason be annotated as 'Client Misinformed by Bank Staff ' rather than any risk-related code, as I acted in good faith based on Chase 's own counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: FL

Complaint narrative:
In early XXXX, Bank of America closed my business checking accounts without providing any clear explanation or prior notice. 

The accounts were actively used for lawful business operations and were connected to several financial and payment partners, including XXXX, XXXX, XXXX, and XXXX, which are financial and XXXX XXXX  XXXX  supporting business funding, payments, and XXXX XXXX XXXX. 

Despite multiple attempts to obtain clarification, Bank of America informed me that the decision was final and refused to disclose any specific reason, internal risk category, or compliance-related basis for the account closures. 

The sudden closure of the accounts caused significant disruption to my business operations, including the inability to process payments, receive funds, and maintain normal financial activity. 

I am submitting this complaint to formally request transparency and a written explanation from Bank of America regarding why my accounts were closed, especially given that the business activity was legitimate and involved established financial partners such as XXXX, XXXX, XXXX, and 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 explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I have been a customer with this bank for over a decade with plenty of funds in my checking and savings account. With this bank, you have to have a minimum of {$500.00} in your savings account or else they will charge you {$5.00} dollars a month to even have the account. It took me XXXX months to realize this. I recently got charged an overdraft fee XXXX times in XXXX day totaling over {$100.00}. Why charge people if they dont have the money why do I have to opt into overdraft protection? Why doesnt that just come with every single account? If I dont have the money XXXX minute and you charge me an overdraft fee the next minute Im not gon na have it either. I have money in savings, so why would I have to say take it from savings so you dont have to charge me a fee? This is the third or fifth time this has happened to me with them and it has got to stop for everyone. I am good with my money, but this {$60.00} or {$100.00} a day fee will never let anyone get out of debt. Since my account was in the negative I got XXXX money so I deposited a check and a money transfer. An automatic payment came out the next day, all of these are still pending, and I still got charged another overdraft fee for the automatic charge that happened after I deposited the check. Explain to me what thats about? I am absolutely done with this Bank. They should look out for their customers and you shouldnt have to ask about accounts with no overdraft fees or ask to be opt out of getting charged a overdraft fee. I also, since this happened, did opt in to overdraft protection literally the day this all happened and still got charged the overdraft fee. They covered nothing. Just deny the bill then!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
2 transaction on XXXX XX/XX/XXXX for {$780.00} one minute appart at XXXX XXXX. They closed the dispute within 24 hours on a holiday amd did not provide any information about the transaction, i challanged them and waited for a response which was nothing except my.bank statement. There response did.not contain amy informatiob other than a copy.of.my.bank statement, no tranaction data. I attempted to contact the investigators by email and phone and was told.i could.not I had to waiit for them to respond. The agents refused to file and additional challange and could not explain how it was investigated. I filed a report with local sheriff 's department and contacted a supervisor but was told they could not do anything except file a new report with the investigators but i could not contact them directly. No information or updates have been provided and no funds returned. I contacted the merchant, XXXX XXXX, which had no record of the transactions on my account or credit card. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
" I am writing to formally express my dissatisfaction with the handling of my account reopening request. I previously held an account with Charles Schwab, which was closed in 2019. Recently, I attempted to reopen the account, following all required steps. However, due to the previous address associated with the account, my request was escalated to the fraud department. I complied fully, submitting all requested information and forms. Despite my efforts, I received no follow-up and felt I was given the runaround. When I reached out again, I was informed that my application was denied and that I can reapply in six months without a clear explanation. There was no indication of fraudulent activity ; the issue seemed to be solely related to the address. I believe this situation has been handled unfairly, and I request a thorough review of my case with the aim of reopening my account. I would appreciate a prompt response to clarify the next steps. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate Information Bankruptcy, Associated Accounts, and Source Documentation Dear Sir or Madam, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the accuracy and verifiability of a bankruptcy and the accounts listed under said bankruptcy on my credit report. 
Disputed Information : - Record type : Bankruptcy - Case number : XXXX - Reported filing date : XX/XX/year> As provided under : - 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ) : I am requesting full disclosure of all information in my file regarding this bankruptcy and its associated accounts, including the specific source of each piece of information. This includes copies of the court documentation supporting the record and any information obtained from third parties such as XXXX, XXXX, or other external providers. 
- 15 U.S.C. 1681s-2 ( FCRA 623 ) : information furnishers are obligated to provide accurate and complete data. If the bankruptcy or the associated accounts do not meet this standard, they must be deleted.

- 15 U.S.C. 1681i ( a ) : you are required to reinvestigate and delete any information that can not be verified accurately and completely within the XXXX time frame provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I have request to settle the debt with this company and theyve ignore to make a settlement with me. They keep informing me in order for them to settle with me I have to be up-to-date with my payments. I cant afford to pay them {$240.00} a month and they wont accept any payment less than that amount. I am sick of Lendmark Financial. They attempt to debt my card without my consent. The XXXX at Lendmark in XXXX VA keep ignoring my request to settle. This company had caused stress because if they go without being paid they attempt to take me to court and put a judgement against me. And the more I seem to pay the debt only gets higher its up to {$10000.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am disputing the application of accrued interest and fees on my XXXX XXXX account related to a deferred-interest promotional plan. 

A purchase made on XX/XX/year> for {$2200.00} was placed on a XXXX promotional plan. I made regular payments on the account and had no intent to miss obligations. Because the balance was not paid to XXXX  by the promotional expiration date, XXXX XXXX applied several XXXX dollars in accrued interest in XXXX lump sum, along with multiple late fees. 

After contacting XXXX XXXX, my complaint was denied and I was offered only a {$30.00} courtesy credit, which I believe is disproportionate and not a good-faith resolution given my payment history. 

I am requesting a review of this matter and a partial or full waiver of the accrued interest as a goodwill adjustment. I believe the outcome prioritizes fine print enforcement over fair customer treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
I am reporting Flex ( Flex Finance ) for gross negligence, failure to acknowledge official partnerships, and providing reckless financial advice that threatened my housing security. Despite being a resident at XXXX XXXX XXXX XXXX a property Flex explicitly markets as a 'Partner Property ' via co-branded emailsFlex support denied the partnership and refused to synchronize my 'Legacy ' account. For XXXX days ( XXXX XXXX XXXX ), Flex held {$1000.00} of my funds while incorrectly claiming I missed a payment deadline, despite my evidence of verification at XXXX XXXX and payment at XXXX XXXX. Most critically, multiple Flex agents instructed me to 'request a refund ' on a rent payment that had already cleared my property 's ledger. Had I followed this advice, it would have triggered an ACH return, resulting in hundreds of dollars in NSF fees, late penalties, and potential eviction proceedings. Flex refused to provide meaningful restitution ( {$100.00} requested ) for this service failure and the risk they created, offering only a {$14.00} membership credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
The Case ID : XXXX Amounts : XX/XX/year> merchants XXXX XXXX {$400.00} merchant XXXX XXXX {$390.00} merchant XXXX XXXX {$1.00} Merchant XXXX XXXX {$1.00} merchant XXXX XXXX {$180.00} merchant XXXX XXXX {$300.00} merchant XXXX XXXX {$81.00} merchant// I was refunded for XXXX XXXX {$120.00} and also {$85.00} dollars for unauthorized transaction under fraud protection but was denied all of the listed amounts above before ive mentioned what was refunded I was told by a supervisor that I would in fact get my refund and not to worry as he said he activated my fraud protection. The supervisors name is XXXX i spoke to him on XX/XX/year> between XXXX and XXXX XXXX on a recorded phone call which he stated i would receive my refund and he assured me as well. The next morning i only received XXXX refunds of {$120.00} and {$85.00} merchant XXXX XXXX but was refunded properly for the rest of the transactions that were connected to this unauthorized case I was a victim of fraud which I called and spoke with multiple supervisors saying dont worry i would be covered under fraud protection I want my full refund that I was promised in this case as I was told I would be covered under fraud protection. There representatives are lying/ hanging up calls/ changing cases without permission/ also leaving bad notes on my account when im the victim I provided police reports/ phone insurance claims and text messages through the XXXX app with XXXX XXXX XXXX of the receivers of my stolen funds and he said his XXXX sent him the money and he didnt know it was from a stolen phone/ ive provided all this to PayPal and was assured Id be refunded for XXXX transactions total but was only refunded for XXXX transactions on this claim which were {$85.00} and {$120.00} from merchant XXXX XXXX please address this situation and have it escalated to the higher ups to review so I can get my refunds please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : FORMAL DISPUTE COLLECTION ACCOUNT INACCURATE / NO XXXX Debt BXXXX XXXX XXXX XXXX XXXX XXXXl Creditor : Citibank N.A . 
XXXX Acct. No. : XXXX Balance Claimed : {$2100.00} Date Placed : XXXX To Whom It XXXX Concern : XXXX. This tradeline reports a {$2100.00} collection opened XXXX for a Citibank credit-card XXXX. Citibank charged off the account more than 36 months ago and never filed IRS Form 1099-C as required by 26 U.S.C. 6050P. Because the identifiable event occurred prior to XXXX, the absence of a XXXX makes the collection amount and tax treatment incomplete and therefore inaccurate under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX must provide : ( a ) a copy of the 1099-C Citibank filed with the IRS ; XXXX b ) the complete chain-of-assignment from Citibank to XXXX; and ( XXXX ) the final account ledger showing how the {$2100.00} balance was calculated. Failure to furnish these documents within 30 days constitutes willful non-compliance and subjects both XXXX and XXXX  to statutory damages of {$1000.00} per violation plus actual damages, costs, and attorneys fees under 15

U.S.C. 1681n. 3. Until the investigation is complete, suppress this collection from any credit report issued to third parties per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
XXXX. If XXXX can not produce the XXXX, delete the entire tradeline immediately ; the debt is legally uncollectible and unreportable. 
Enclosures : highlighted XXXX  page, drivers license, utility XXXX. 
Sincerely, 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 explanation