vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America failed to transfer the {$21000.00} from my home loan modification to XXXXXXXX XXXX when the loan was sold in XXXX. Ive had nothing but problems with XXXX ever since. They both deliberately lied to my bankruptcy attorney. About the home loan modification. I was harassed throughout my bankruptcy. They even got my own bankruptcy attorney against me. I reported to the bankruptcy court the payments I was behind. It was on my mortgage statement how much I was passed due. Bank of America objected and I had to pay {$5800.00} more. It was what Bank of America had reported on my statement. I did not lie to my to my attorney or bankruptcy court. How much payments I was passed due. I reported the amount Bank of America had on my mortgage statement. This needs to be resolve about the {$21000.00} that carrington keeps saying. Was never satisfied. This oversight has resulted in significant financial hardship and legal complications. XXXX XXXX is currently stating that the {$21000.00} balance was never satisfied, which is preventing me from obtaining a home equity loan. This situation is fundamentally unjust, as I am effectively paying double the amount of the original {$21000.00} through my ongoing monthly payments to XXXX. Furthermore, both Bank of America and XXXXXXXX XXXX allegedly misrepresented the status of this modification to my bankruptcy lawyer, claiming that they never received documentation regarding the XXXX home loan modification. The {$21000.00} was not transferred to XXXX when they acquired my home loan from Bank of America, yet XXXX is placing the blame on me for this discrepancy. Bank of America also neglected to apply this amount to my past-due balance, which would have brought my payments up to date. I have never seen any record of this {$21000.00} transaction on any of my mortgage statements. This entire situation appears to be a deliberate act of financial malfeasance, amounting to the theft of both my home and the {$21000.00} that was supposed to be applied to my loan.

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 2026-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I am currently applying for a mortgage, and a collection account from Sunrise recently appeared on my credit report. I have no knowledge of this account, do not recognize the alleged debt, and did not authorize or open any account connected to it. I sent Sunrise a written dispute by certified mail 10 days ago, but I have received no response. This account is fraudulent and does not belong to me. It is negatively affecting my credit and threatening my mortgage approval. I am requesting that Sunrise immediately investigate this matter, provide proof that the debt belongs to me, and remove the fraudulent collection account from all three credit reports as soon as possible.

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 2026-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For nine years i made large and minimum payments on all credit cards, totallyng on earning, at least {$10000.00}. These payments were done with cash money green bills, anF they counted for nothing. They dissappeared in the illution of percentage and interest. Now XXXX says that if i pay for example on one credit card, ( account # XXXX, last XXXX # XXXX ) XXXX monthly payments of {$77.00} this debt will be paid. But how and why? Why are payments valid with XXXX and not the bank? Why does the clock start with them?

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 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a PayPal Credit account issued by Synchrony Bank on which I have been enrolled in the Payment Security debt cancellation program since at least XXXX, paying a monthly premium every billing cycle. My XX/XX/XXXX statement confirms active enrollment showing a Payment Security charge of {$2.00} ( program phone : XXXX ). I experienced a job loss event in XX/XX/XXXX. The debt cancellation benefit was never applied to my account. Synchrony continued collecting my Payment Security premium for years without honoring the policy or notifying me of my right to file a claim. I have XXXX payment receipt emails from XXXX confirming consistent payments from XX/XX/XXXX through XX/XX/XXXX totaling thousands of dollars. Despite these payments my balance has grown from fees and interest alone, not new purchases. Current balance is {$89.00} on a {$110.00} credit limit. I submitted a formal dispute through the Synchrony online portal on XX/XX/XXXX. On XX/XX/XXXX I received a response from representative XXXX stating my dispute was escalated to the corporate office with a XXXX business day response window. I followed up on XX/XX/XXXX. The XX/XX/XXXX deadline passed with no substantive response. It is now XX/XX/XXXX XXXX days since my original dispute with zero resolution. I am requesting : ( XXXX ) Synchrony honor the XXXX XXXX debt cancellation benefit and cancel my balance in full, ( XXXX ) immediate correction of my credit report across all three bureaus removing this balance, and ( XXXX ) refund of all premiums collected after my XX/XX/XXXX job loss event.

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 2026-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Elite Portfolio Management, LLC
State: TX

Complaint narrative:
I do not believe this debt is accurate or valid. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting full validation of the alleged debt. This includes but is not limited to : A detailed explanation of what this alleged balance is for. A complete audit trail and payment history showing how the alleged amount was calculated. A copy of any signed contract that allegedly binds me to this debt, including : My original, verifiable signature ; Documentation showing I gave permission for my private information to be accessed ; Proof I authorized you to report this to any credit bureau. Unauthorized use of my Social Security Number is a serious offense and may constitute identity theft, which I will report accordingly. A legal agreement or contract granting your company authority to collect on this alleged debt. A copy of your current state collection license, including license number, proving your authority to collect debts in my state. The original purchase agreement for this alleged debt. A signed affidavit under penalty of perjury stating that your agency was present or has first-hand knowledge of this alleged debt. Your failure to provide complete and verified documentation will be interpreted as an inability to validate the alleged debt. As such, I demand immediate removal of this account from all consumer reporting agencies. Violations of the FDCPA & FCRA You are currently in violation of several federal laws, including : 15 U.S.C. 1692d Harassment and abuse 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate within five days of initial contact 15 U.S.C. 1692j Use of deceptive forms 15 U.S.C. 1692k Civil liability for FDCPA violations ( I hereby demand {$1000.00} per violation for the damages incurred ) Your reporting of false or unverifiable debt is damaging my reputation and creditworthiness, which is a direct violation of the FCRA and FDCPA. You have also used symbols and language on envelopes that violate 1692f ( 8 ). Cease & Desist From this point forward, I demand that you : Cease and desist from any and all communication with me ; Remove the alleged account from my credit reports immediately unless full validation is received within XXXX days of this letter ; Communicate only via U.S. mail. Any other form of contact is not authorized and will be reported. I have submitted a copy of this to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and Better Business Bureau ( BBB ). Failure to comply within the required timeframe will result in legal action for monetary damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Back in XX/XX/year>, i filed for unemployment and received a US BANK prepaid debit card of {$220.00} and Sadly it got lost in the mail and thrown out. The Money was never spent. Somewhere, the card is sitting in an envelope in a landfill. I have tried calling US BANK about a card replacement but ended up on hold for many hours. i recently found this website and thought i'd try to get what's mine during a difficult time. 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 2026-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/year> {$4.00} SRQ PRESSURE CLEANING WWW.PRESSUFL XX/XX/year> XXXX XX/XX/year> {$5.00} SRQ PRESSURE CLEANING WWW.PRESSUFL XX/XX/year> XXXX XX/XX/year> {$7.00} SRQ PRESSURE CLEANING XXXX XX/XX/year> XXXX Company Name : Bank of America , N.A . Product/Service : Credit Card ( XXXX ) Complaint Text : I am filing a formal complaint against Bank of America for a repeated failure to resolve a billing error, stop unauthorized recurring charges, and comply with federal billing dispute regulations under Regulation Z ( 12 CFR 1026.13 ). An unauthorized merchant operating under the descriptor " SRQ PRESSURE CLEANING '' / " WWW.SRQPRESSUFL '' has successfully forced fraudulent charges onto my Visa credit card account for XXXX consecutive billing cycles. I have repeatedly notified Bank of America 's fraud department. The first event, Bank of America issued a replacement card but only changed the 3-digit CVV code, keeping the 16-digit card number identical. Because Bank of America failed to implement a merchant-level token suppression block, the merchant exploited the " XXXX Account Updater '' ( VAU ) network loophole. The network automatically forwarded my updated CVV to the fraudulent merchant, allowing a second unauthorized charge to process. After the second event, Bank of America explicitly placed a formal stop-payment order on this merchant. Bank of America failed to honor or enforce this stop-payment order. After the third event, I had a recorded discussion with a senior supervisor. It is my understanding that a VAU has been placed on the card. Bank of America 's failure to block this merchant after a formal stop-payment was issued is a clear billing error. I request that Bank of America immediately : 1. Permanently credit my account for these unauthorized charges. I understand this has been done. 2. Manually opt my account out of the XXXX Account Updater ( XXXX ) program specifically for this merchant descriptor to issue a hard token suppression block. I understand this has been done. 3. Completely close the compromised 16-digit card number and issue an entirely new 16-digit account number.

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 2026-07-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I spoke with the company that did the charge via email. Also, I called their number several times and they have never gotten back to me. Through email they said they would resolve the issue, but it never was resolved. I didnt want the product number XXXX number XXXX I presume that the company that charged me decided since I didnt want it they never shipped it. Therefore I have never received the product which it was originally ordered XX/XX/XXXX. Ive notified my bank several times and until I complain to you, they said there was nothing they could do about it immediately after I complain to you they contacted me and said they would help me resolve the issue because of my complaint complaint to the government agency. Since then they sent me an email stating that theyve tried to contact me several times and have been unsuccessful. Therefore, theyre dropping their investigation and the charge will remain on my card. That is absolutely incorrect information because I always have responded especially to my own card company. So now I am filing that complaint again.

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 2026-07-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a ticket to XXXX XXXX XXXX - XXXX XXXX in XXXX for {$270.00} on my Citibank Mastercard, charged by XXXX XXXX The event was cancelled on XX/XX/year>. I was not able to get a response from the merchant at that time, so I filed a dispute with Citibank under Mastercard reason code 13.1 ( Services Not Rendered ). Citibank closed the dispute in the merchant 's favor based solely on the merchant 's proof that they issued me a ticket. This does not address the actual basis of my dispute : the event did not take place. Ticket issuance is not proof that the service ( the concert ) was rendered. I have proof the event was cancelled, which Citibank 's investigation does not appear to have considered. I am requesting that Citibank reopen this dispute and properly review the evidence that the event was cancelled, and issue a refund of {$270.00} as required under the Fair Credit Billing Act and Mastercard 's chargeback rules for services not rendered.

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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
XXXX intrest me most because I made a mistake and let XXXX XXXX charge me after a free trial expired I didn't have money in XXXX they ( XXXX XXXX ) emailed stating I should update my payment method in order to keep my service active but I was satisfied with just a free trial I did not want to update XXXX XXXX emailed again attempting to charge XXXX and I still did not cancel when XXXX XXXX charged my bank through XXXX I was furious

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 2026-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
I am submitting this complaint because XXXX continues to report inaccurate information on my credit report despite clear evidence that the account was the result of identity theft. A XXXX account was fraudulently opened in my name without my authorization. After discovering the account, I filed multiple disputes with XXXX. Each dispute was denied or marked as previously verified, even though the account was not mine. I then worked directly with XXXX. After conducting its own investigation, XXXX determined that the account had been fraudulently opened. XXXX confirmed in writing that my name had been removed from the account, all past-due balances had been canceled, I had been removed from collections, and any associated negative credit reporting would be removed from my credit files. XXXX also provided me with complimentary credit monitoring due to the inconvenience caused by this fraudulent account. After receiving this written confirmation from the creditor, I submitted another dispute to XXXX along with XXXX approval letter and my police report. However, XXXX has continued to reject my dispute by stating that previous disputes have already been investigated, rather than reviewing the new evidence I provided. This inaccurate reporting is causing me significant financial harm. I am currently in the process of purchasing a home, and this erroneous collection account is negatively impacting my credit and delaying my ability to move forward. I am requesting that XXXX conduct a proper investigation based on the new evidence provided and promptly remove this fraudulent account from my credit report in accordance with the Fair Credit Reporting Act. Thank you for your assistance in resolving 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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am fully aware and recognize the recipient in the claim as we do casually send money to each other. The recipient sent me money Monday XX/XX/year> in the XXXX and by the XXXX that same day is when the unauthorized transactions started occurring up until Thursday XX/XX/year>. I never once received a notice from Wells Fargo security system asking me if I recognize any of the transactions being made. It wasnt until Saturday XX/XX/year> when I logged into my account and noticed my account at a XXXX balance. The transactions identified in my claim were not authorized by me, and I did not provide anyone with permission to make these transactions. As soon as I became aware of the unauthorized activity, I reported it to Wells Fargo and took the appropriate steps to protect 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 explanation
Consumer complaint received 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the handling of my application for the Citi AAdvantage Platinum Select Card, which I submitted on XX/XX/year>. After several weeks passed without receiving any update on my application, I contacted Citis customer service department to inquire about its status. During the course of my follow-up, I spoke with two different supervisors, both of whom were unprofessional, dismissive, and unwilling to assist me. I was repeatedly informed that Citi had mailed me a letter that was required in order to proceed with my application. However, despite my repeated requests, neither supervisor would tell me what address the letter had been mailed to. As a customer, I find it unreasonable that Citi would refuse to verify the mailing address for correspondence that directly impacted my application. I never received this letter, and because I was not provided with the opportunity to respond or complete whatever verification Citi required, my application was ultimately denied. What is particularly concerning is that Citi conducted a hard inquiry on my credit report, which may negatively impact my credit score, yet I was never given a fair opportunity to complete the application process. I was left without an explanation regarding : * Why the application was denied. * What information was requested in the alleged letter. * Where the letter was sent. * Why Citi representatives refused to verify the mailing address. This experience reflects a serious breakdown in communication and customer service. Had I received the letteror even been informed of where it had been sentI could have promptly responded and completed the application requirements. I respectfully request that Citi : 1. Conduct a thorough investigation into how my application was handled. 2. Explain why my application was denied after I was prevented from responding to the requested verification. 3. Confirm the address to which the alleged correspondence was mailed. 4. Review the conduct of the supervisors with whom I spoke, as their behavior was discourteous and unhelpful. 5. Advise whether my application can be reconsidered without requiring an additional hard credit inquiry, given that the denial resulted from Citis failure to ensure I received the necessary correspondence. As a consumer, I expect transparency, professionalism, and fair treatment throughout the application process. Unfortunately, my experience fell far short of those expectations. I appreciate your prompt attention to this matter and look forward to your response and a fair resolution. 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