vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TN

Complaint narrative:
National recovery took over this debt. This debt was opened on our about at the end XXXX to XXXX then national recovery Collections Im assuming bought the debt out and they are reporting it on all XXXX credit bureaus and none of the information matches. I have also asked national recovery collection agencies for proof of when this account was opened and this has been going on for over XXXX weeks. They do not want to send me any information and it keeps bringing my credit score down. I do feel that this is unfair and rather than communicating with me. They just keep taking points off of my credit. This is a very old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased an item from XXXX XXXX in XXXX ( that was incompletemissing a specialized battery ), returned it, and the merchant kept both the item and the money. I filed a timely dispute, the merchant provided XXXX documentation or proof to counter your claim, and Chase ruled in the merchant 's favor solely because the merchant " disagreed. '' Chase customer service stated they are refusing to process a second dispute because they are 'unable to recover the funds ' from the merchant, shifting the financial liability of a failed merchant collection onto the consumer in violation of the FCBA. When I attempted to escalate this clear violation of the FCBA to a supervisor on XX/XX/XXXX, the representative XXXX XXXX XXXX XXXX refused, stated Chase would call me back within a business day, and actively requested that I stop recording the conversation after Chase had already initiated its own call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NC

Complaint narrative:
Synchrony Bank dropped all my credit cards from fraudulently used without my consent. Belks Sams Club Care Credit Lowes PayPal

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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a new complaint because BMO Bank is engaging in bait-and-switch accounting and violating the Truth in Lending Act ( TILA ) billing error protections. On XX/XX/XXXX, BMO executed an unauthorized ACH withdrawal of {$640.00} ( previously documented under closed CFPB Case number XXXX and BMO Internal Case XXXX, today XX/XX/year>, BMO sent me a text message stating I am late. When I called, a representative stated that only {$260.00} of the {$640.00} was applied to my regular payment. BMO is misapplying my funds, failing to credit my account on the date of receipt, and threatening my credit score with false late notices. I demand a full, certified accounting ledger and the immediate removal of all late designations and fees. ''

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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was a victim of a scam. The company posed as if they were hiring me and requested that I wireless transfer them money after providing me with a fake check. I deposited the check for {$8400.00} on XX/XX/year>. They had me wireless transfer them {$4000.00} on the same day. Shortly after, I realized this was a scam. I had called USAA to stop the wireless transfer and they were not able to stop the transfer. That fake company had me buy gift cards for {$600.00} and set up a phone services where I had to pay the tax amount of {$160.00} for two lines. They had told me the phone would be for work. I just feel like an XXXX and Im trying to get this resolved the best I can. I dont see why those funds were available to me given the check was fake. I do not feel this responsibility should land on me or USAA needs to take extra provisions to prevent this from happening to others in the future. I am now negative {$4700.00} on that savings account all from fraud and being a victim of scam. I have been a loyal USAA member for many years and I would appreciate any help in retrieving this money back. I had made a police report that day detailing what had occurred as well. 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 2026-06-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally complain about an overdraft fee that was recently charged to my account and the way transactions are being processed on my account. I have repeatedly tried to explain my concerns to Wells Fargo representatives, but I feel that no one is listening or taking the time to properly review the issue. From my perspective, the way weekend transactions are being processed is unfair and is causing me to be charged in a way that feels like I am paying for transactions twice. Transactions made over the weekend do not always post immediately, and when they are later processed, they can create overdraft situations that do not accurately reflect the available balance I saw at the time of purchase. As a result, I have been charged fees that I do not believe are justified. The transaction that resulted in the overdraft fee posted only recently, yet I was still charged a fee. When I contacted customer service to request a review and a refund, I was simply told that nothing could be done. I do not believe this is acceptable customer service, especially when I am raising legitimate concerns about how my account activity is being processed. I am requesting a full review of my account, an explanation of how these weekend transactions are being processed, and a refund of the overdraft fee. I also ask that Wells Fargo seriously consider the concerns I am raising instead of dismissing them without a proper investigation. I have been trying to resolve this issue in good faith, and I hope Wells Fargo will do the same. 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 monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/year>, we received an offer from Marcus by Goldman Sachs that if I deposited {$100000.00} or more into an account, that I would receive a {$1500.00} cash bonus in addition to the accruing interest so long as the balance in the account maintained that {$100000.00} of new funds for a XXXX day period. On XX/XX/year>, I wired {$100000.00} of new funds per Marcus indication and rules into an existing account and confirmed with a representative of Marcus named XXXX in their XXXX XXXX XXXX on the same date that the offer stood and that the funds were received and so long as the balance of the account reflected the {$100000.00} of new funds over the same period of XXXX days, that I would receive the bonus. No bonus has been paid whilst I have exceeded their requirements on holding the balance over the amount required over the period of XXXX days. I have called multiple times, waited on hold for over XXXX minutes and was told that they cant retroactively provide the benefit that I was offered and confirmed with their own agent and representative. I believe this is false advertisement and counter to Federal Banking rules and regulations under Title XXXX of the United States Code and am hereby seeking your remedial efforts in resolving this flagrant bait and switch strategy whereby firms like Marcus are preying on the elderly. I look forward to your help is resolving this matter and getting me the {$1500.00} bonus promised by Marcus advertisement as well as confirmed by their own representative and agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I need to bring up XXXX XXXX who are merging with Huntington. As a loyal customer they deserve to be immediately notified of Branch Manager quitting. The Branch Manager against my permission changed my location of my charity beneficiaries and was told by a staffer who never me blamed me for everything did nothing wrong. He tells me to go to the Branch said I can't. Very sick and ca n't drive anymore. Tells me to put my money in a safe. Don't deserve to be talked to this way. Then out of the blue get a call from another mean person in XXXX. No idea who he is and I don't bank in XXXX. He wouldn't let up. Called and crying saying you didn't call back he criminally terminated my accounts. He has no authority none. I fought past XXXX but in XXXX the abuse kept coming. Was given only a day and went to Huntington big mistake. I told them all about me being a victim of mail theft. Now I get punched in the gut. Corporate at Huntington blocked me access to my funds, blocked my log in, wanting to send check to unsafe location not if my choosing. Don't care if I XXXX XXXX XXXX, no housing, can't pay my bills just more vile threats and ultimatums. I don't want my funds going to the state. They are making false accusations and false claims against me. They are destroying and ending my life. XXXX voided my Living Will. XXXX XXXXXXXX, this is criminal. I am currently XXXXXXXX XXXX XXXX because of them and getting XXXX at hotel where I am. I can't get medical attention and can't XXXX XXXX XXXXXXXX. Help me Now. Don't want to lose all my money. My money not theirs. I do not deserve this. Getting attacked from every side. Been XXXX XXXX daily it will eventually end up being XXXX XXXX XXXX. This is a criminal intent by them it's barbaric and viscously cruel. I am a good person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
I am filing this complaint against NATIONAL RECOVERY AGENCY, located at XXXX XXXX XXXX, XXXX, PA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$570.00} originally owed to FIRST ENERGY THE XXXX, Account No. xxxxxx XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( XXXX ) cease all collection activity ; ( XXXX ) provide full written validation of the alleged debt; and ( XXXX ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION XXXX REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I opened up a mma account, about five years ago, I don't remember the exact date. Everything was okay until I had a new phone number, I called several times and thought it was taken care of. I was having trouble signing in, so I called, finally found out, it needed to call the etreasury phone number. I did that, changed my phone number, thought everything was okay. Was still having trouble, the last time I tried they were saying I tried to sign in too many times. They finally told me, I wasn't using the correct user ID After a conversation they told me what my user ID was. I have since tried to get online and they still hadn't changed my phone number. I can't get a new password, because they have to text me a number and It won't work because they still haven't changed my phone number. They keep telling me that they have the right number, but it has never been changed.I am a senior citizen and I need to make sure everything is okay. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The authorized Hyundai dealership ( XXXX XXXX XXXX ) explicitly told me the vehicle was acceptable upon grounding, which actively denied me my contractual right to mitigate damages ( i.e., replacing the tires yourself for cheap ). Charging a full {$900.00} replacement fee for a microscopic XXXX '' tread variance or less on most tires is predatory and deceptive based on the dealer 's explicit verbal guidance. I brought the car in for service earlier that month and was not told about any risk of the tires being too close to the wear rating. They actually told me that I did not need service since I was turning in the car anyways... I do not believe that they measured the tires correctly and are doing this as a scam. My car had under XXXX miles so the wear does not match the drive history

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my account and there was XXXXXXXX XXXX in my account. I was told for XXXX months i would recieve a check with my funds now they are telling me no funds are owed to me. Again they took my state taxes and took all the money in my account.

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 2026-06-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My XXXX account was locked and I confirmed with a representative multiple times that the money would not come out of the XXXX account. Representative stated that no money would come out of my account. I ended up going to the bank to withdraw funds for services provided. A week or so later I see that the {$450.00} did in fact get drawn from my account. I want to receive a compensation for the hardship I faced from this huge XXXX up putting my bank account in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a formal complaint against U.S. Bank for inaccurate and damaging credit reporting on my mortgage account, which violates the Fair Credit Reporting Act ( FCRA ). My post-forbearance trial period plan began in XX/XX/year>, and I have made every required monthly payment on time. In late XX/XX/year>, I executed a permanent FHA Loan Modification Agreement via an in-home mobile notary sent by U.S. Bank XXXX Per the legal contract terms, my modification officially took effect on XX/XX/year>. My past-due forbearance balance of {$11000.00} was completely satisfied and paid off via an FHA Subordinate Mortgage ( Partial Claim ). I have already successfully made my first modified monthly payment for the XX/XX/XXXX deadline. My account is legally 100 % current under the new terms, and I owe {$0.00} in past-due debt. However, U.S. Bank 's automated system has wrongfully reported my account to the credit bureaus as XXXX Days Late ' with 'ND ' ( No Data ) codes. Because my loan restructuring is complete and active, continuing to report a XXXX delinquency is a severe reporting error that is destroying my credit profile. I demand that U.S. Bank manually intervene immediately, update my account status to 'Current, ' and issue a retroactive XXXX electronic correction file to XXXX XXXX XXXX XXXX and XXXX XXXX completely erase the XXXX late history lines. '' Attached are the documents, and picture of my XX/XX/XXXX payment from my checking account.

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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GF SunStrong Management Holdings, LLC
State: CA

Complaint narrative:
In XXXX and XX/XX/year>, I submitted a written billing dispute to SunStrong Management ( located in Arizona ) regarding charges on my solar account. I followed every instruction they gave me, including calling the number they provided, emailing the documents they requested, and contacting billing, tech support, and collections. SunStrong acknowledged in writing that my dispute was escalated and under review, but they refused to provide a billing breakdown, refused to conduct an audit, refused to explain the charges, and refused to stop collections. They also stated in writing that they will not pause due dates or stop collection activity unless I pay the full disputed balance first. Despite having an active dispute, SunStrong contin ues collection efforts and has not provided any of the information I requested. I am requesting that the CFPB require SunStrong to provide a full audit, a billing breakdown, and to suspend collection activity while the dispute is being reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I tried to pay off my XXXX XXXX credit card JPMorgan CHASE Bank , N.A . from my XXXX XXXXXXXX XXXX XXXX. The first bank mentioned ( Chase ) told me that the transaction was disputed and sent back to XXXX, this transaction was never reflected in my account which lead me to call my main bank ( XXXX ) who told me that Chase did receive the payment. Now the problem is that neither XXXX nor Chase wants to be responsible for the amount ( {$800.00} ), while XXXX is saying that the can not even dispute the transaction because Chase did receive the money, on the other side, Chase told me that they never received the amount into their system because it was rejected by XXXX. Nobody can give me an answer and they are asking me to make a new payment while the issue is resolved, but no one is willing to do anything to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank recently acquired our mortgage. I want to opt out of letting PNC sell or share my personal information. To do so, I am required to give my social security number to some unknown 3rd party ( XXXX XXXX XXXX XXXX XXXX I am not willing to do this, so have not be able to opt out of information sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX My account was randomly closed without contact or expiation due to thinking my account was fraud disputes from XXXX no one can tell my why my account is being closed my money is frozen and I need to take care of my son

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OK

Complaint narrative:
The claim that they are requesting information about is already closed and I emailed all documents that were requested in XXXX yet they are still holding funds and Ive tried to contact XXXX XXXX but she wont take my call since the nearest us bank is over XXXX hours away from my location!

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