vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a {$2500.00} ACH transfer from my XXXX business account to a Chase checking account that is currently restricted and no longer accessible to me due to a prior issue. The account has a negative balance that resulted from a fraudulent check scam involving a third party. I did not knowingly authorize or benefit from that transaction. The {$2500.00} transfer was sent in error and was intended to be used for rent. However, Chase applied these funds toward the negative balance without my authorization and has refused to return the money. I contacted Chase to request the return of these funds, but they declined and treated the transfer as a voluntary payment toward a disputed balance. This situation has caused financial hardship, and I am requesting that the {$2500.00} be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
The company is constantly making hard inquiries and suggestions i owe them money when its a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I sent a wire transfer from my checking account at XXXX XXXX to a beneficiary account at Bank of America on XXXX in the amount of XXXX. The funds did not post to the account and I was advised that there was a fraud hold on my funds. I did not receive any information regarding the length of the hold by the institution nor the reason it was flagged. This beneficiary has now passed away and the funds have not been credited to the account I sent them to nor has it been returned. I sent a recall through XXXX XXXX in XXXX where they requested the funds returned XXXX times and each time Bank of America indicated that the beneficiary needed to sign an Authorization to Debit form to have the funds returned. This would indicate that the funds had been credited to the beneficiary which they had not. As there was no resolution to this recall effort I had XXXX XXXX perform a trace of the wire transfer which indicated that these funds went directly to the beneficiaries account. This beneficiary has passed away since I sent the funds that were not credited to the account and Bank of America is behaving in a predatory manner by holding funds that they suspected were fraud rather than returning them as they should based on the fact that this person has passed and they are holding my money. I feel at this point Bank of America not only needs to return my XXXX that they have been holding for over XXXX days plus compensation for my stress, the fees that I have been charged for this money to be sitting in their bank while they earn interest on my money I am paying interest on it. This is ridiculous and predatory and they need to address this issue immediately as you are stealing my money when all you need to do is return it your customer is dead!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my account after I distributed charges I didnt make on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: PA

Complaint narrative:
Around XXXX or XX/XX/XXXX I signed up for a XXXX coding program at XXXX. The program cost {$11000.00}. The school offered a loan thru " Climb Credit ''. After the program I was hoping to find a job and start a new career, unfortunately I was not able to find any employment. I was not able to pay back the loan, and I did put a hold on the loan, but I have still having financial problems. My loan has been bought my multiple credit collecting agencies who call me non-stop, some pressure me to ask friends or family members to make payments, others tell me that they will take me to court and I would be forced to to pay for the court fees and the loan. I can barely afford my life right now, I cant afford this. I really need help, and I don't know what to do. The total now is {$1400.00}. The last call I got from a credit collection agency was on Friday, and they said they will take me to court under some new consumer law that was passed in XXXX, they will sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Consumer USA has failed to provide a DMV-compliant repossession verification letter despite multiple requests. I have received multiple documents that were rejected by the New York State DMV because they were either email correspondence or did not include required language confirming that the vehicle was sold or not returned. I am not requesting a deficiency balance or post-sale notice. I am requesting a simple verification letter on letterhead, signed by a representative, confirming : Date of repossession : XX/XX/2026 That the vehicle was not returned to me That the vehicle was sold on XX/XX/2026 Customer service representatives have refused to escalate this request properly and continue to provide incorrect documentation or state I must wait 30 days, which is not applicable to this request. This is delaying my compliance with New York State DMV requirements. I am requesting immediate resolution and proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX sent Citi Bank {$16000.00} to pay a balance transfer on XX/XX/scrub>XXXX I apparently have a XXXX XXXX ( previously CitiCard ) Citi Bank cashed the check on XX/XX/year>. But since I don't have a credit card at Citi Bank, the funds were not credited to me. CitiBank will not help me find the funds since I don't have an account with them. XXXX XXXX will not help me because CitiBank cashed the check. I now owe {$16000.00} to both banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> my identity was stolen to open account for Bank of America the account was fraud and someone maxed the account out in the total of XXXX every since this incident accured I can not open accounts for myself. I had no knowledge of this until I tried to go open an account for my daughter. I gave them an updated police report on chexsystems but they claim the dates are wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IN

Complaint narrative:
I am filing this complaint against Global Lending Services regarding an auto loan account that has been inaccurately reported and is currently being collected. The account is being reported as follows : Company : Global Lending Services Account Status : Charged-Off Reported Balance : {$14000.00} This vehicle was involved in an accident and declared a total loss. Following this event, insurance proceeds should have been applied to the account. However, Global Lending Services continues to report and attempt to collect a balance that I believe is inaccurate and not properly calculated. I have requested documentation showing how the remaining balance was determined, including : The amount received from the insurance settlement The valuation of the vehicle at the time of loss A full breakdown of all fees, interest, and charges added after the total loss The calculation of the alleged deficiency balance To date, Global Lending Services has failed to provide sufficient documentation supporting the accuracy of this balance. Under the Fair Credit Reporting Act ( FCRA ), companies are required to report information with maximum possible accuracy. Reporting a balance that can not be properly verified or explained is a violation of federal law. Additionally, attempting to collect a debt without providing proper validation raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following resolution : A full accounting and validation of the remaining balance Correction or deletion of any inaccurate information reported to credit bureaus Immediate update of this account to reflect accurate information If Global Lending Services is unable to provide documentation supporting the accuracy of this balance, this account must be corrected or removed from my credit reports. This matter involves inaccurate reporting and improper collection practices, and I expect a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
BOA BANK I OPENED A BANK UP LAST YEAR AROUND XX/XX/year> XX/XX/year> EVERYTHING WAS GOING GOOD TIL I LOST MY SSN AND ID MONTHS AGO AND MY CREDIT BEEN DROPPING SINCE WITH HARD INQUIRES AND ALL I WILL LIKE FOR YALL TO HELP IM ON XXXX XXXX XXXX I HAD A CREDIT CARD WITH BOA LIMIT WAS XXXX SOMEHOW IT SAY XXXX OVER MY LIMIT WHICH I DIDNT SPEND CAUSE MY LIMIT IS 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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
One pay took my paycheck from me it has been 7 months they dont wan na give it back. Ive called and emailed so many times, and every time I get the same response : We dont know what happened to your money we can not help you! They have been telling me this for 7 months. How does one go with holding anothers paycheck for 7 months? My child is now XXXX XXXX XXXX our money was taken the day she was born

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
At the direction of a XXXX XXXX XXXX Heartland sales representative, we upgraded our payment terminal and established a new merchant account. The representative led us to believe that our old account would be closed as part of this transition. However, the old account ( Account # XXXX ) was never closed. Over the following several months, that account continued to accrue fees despite the fact that it was never used and we had every reasonable expectation that it had been closed. When we discovered the account was still open, we immediately requested that it be closed. We were subsequently issued XXXX partial credits totaling {$1000.00}, which we acknowledge. However, a balance of {$1600.00} in illegitimate fees remains unresolved. RESPONSIBLE REPRESENTATIVE XXXX XXXX XXXX XXXX Heartland representative who initiated the account upgrade and represented that our old account would be closed is : Name : XXXX XXXX Title : Financial Institution Relationship Manager Location : XXXX, NY Phone : XXXX Email : XXXX Despite repeated attempts to contact XXXX XXXX by phone, voicemail, and text message over the course of approximately two months, he has been entirely unresponsive. ITEMIZED FEES ( Account # XXXX ) XX/XX/XXXXXXXX : {$300.00} XX/XX/XXXXXXXX : {$300.00} XX/XX/XXXX : {$730.00} XX/XX/XXXXXXXX : {$280.00} XX/XX/XXXXXXXX : {$780.00} XX/XX/XXXXXXXX : {$280.00} Total Fees : {$2700.00} PARTIAL CREDITS RECEIVED Credit 1 : {$100.00} Credit 2 : {$100.00} Credit 3 : {$490.00} Credit 4 : {$400.00} Total Credits : {$1000.00} REMAINING BALANCE DISPUTED : {$1600.00} Notably, the issuance of these partial credits demonstrates XXXX XXXX XXXX XXXX Heartland has itself acknowledged that the fees were improper. However, the credits issued to date do not cover the full amount owed. ATTEMPTS TO RESOLVE For approximately two months, we have made repeated good-faith efforts to resolve this matter directly with XXXX XXXX Heartland, including : - Multiple phone calls, voicemails, and text messages to XXXX XXXX ( XXXX ), none of which have been returned. - Multiple contacts with Global Payments XXXX XXXX customer service, which has been unable or unwilling to resolve the dispute in full. Despite these efforts, we have received no satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I was in an accident that was not my fault on XX/XX/year> and my car completely totaled. It was only a few weeks old. The problem is as follows : I was unaware that I didnt have Gap insurance as it is not anywhere on my contract for my lease. So I was left with a deficiency of {$11000.00} which I am prepared to pay. However, XXXX sent me a letter saying I had a deficiency to pay in full in 30 days or my account would be sent to collections. I do not have {$11000.00} to pay in full. I called to ask for a payment plan and both are completely out of my budget. I have asked and asked for assistance and have received nothing. I have requested a long term repayment plan of {$200.00} per month and hopefully I can repay the entire balance sooner it my lawsuit is settled. Otherwise, I am prepared to continue paying until I pay what is due. I have attempted to resolve this matter in good faith and have received no assistance or compassion from XXXX. I am XXXX and have never had a late or missed payment and this will ruin the good credit that I have built over the years. Over an accident that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2026, U.S. Bank withdrew {$2000.00} from my personal checking account without any prior notice, warning, or authorization. When I contacted the bank, I was informed the funds were seized to satisfy a " past due balance '' on an old, inactive business account. I have called multiple times to resolve this issue. I was told I would receive the funds after XXXX business days but the funds were never put back into my account. I have attached call logs and the withdrawal from my account. I am filing this complaint because U.S. Bank has committed the following violations : XXXX. Violation of Mutuality : The bank seized funds from my individual personal account to satisfy a debt allegedly owed by a separate legal entity ( LLC ). I have no record of signing a personal guarantee for this business account, and the bank has failed to produce XXXX. XXXX. Failure of Debt Validation : I was never notified of this alleged debt prior to the seizure. U.S. Bank bypassed my rights under the Fair Debt Collection Practices Act ( FDCPA ) by collecting on a debt without first providing a validation notice or a XXXX window to dispute the balance. XXXX. Refusal of Information & Bad Faith Tactics : When I requested proof of the debt and the legal authorization for the withdrawal, I was given a " runaround '' and told to call various departments. Furthermore, U.S. Bank instructed me to file an identity theft report to reclaim my money. This is a bad-faith tactic ; I am not claiming fraud by a third party, but rather an unauthorized seizure by the bank itself. Filing a false identity theft report for an internal bank error would be fraudulent, yet the bank is using this as a gatekeeping mechanism to withhold my funds. XXXX. Regulation XXXX Violation : This transaction constitutes an unauthorized electronic fund transfer. U.S. Bank is failing to follow the error resolution procedures required under XXXX CFR XXXX by mischaracterizing a contract/legal dispute as a third-party fraud issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is very stressful. I am completely overwhelmed with XXXX due to this matter and i feel very violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
Collection agency is reporting an account that has been paid directly to the original creditor and is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
The bank supervisor on XX/XX/year>, claimed that " there is no money '' and hung up the phone, which directly contradicts the bank 's own written confirmation from XX/XX/year>. I am filing a follow-up complaint against Citibank N.A . regarding XXXX # XXXX. On XX/XX/year>, XXXX XXXX XXXX XXXX sent me an official letter ( Ref : XXXX ) confirming that my funds are available for reissuance via check. The letter explicitly instructed me to contact the Fraud Servicing Unit at XXXX and use XXXX XXXX XXXX to provide an alternate address. However, when I called the specified department today, XX/XX/year>, the experience was unacceptable : 1. The Supervisor I spoke with explicitly stated that " there is no money and there will be no transfer. '' 2. This statement directly contradicts the written confirmation provided by the Citibank Office of the President just 3 days ago. 3. The Supervisor was unprofessional and hung up the phone while I was attempting to provide the address for the check as per the bank 's own instructions. It appears that Citibank is providing conflicting information to the CFPB and to me. One department confirms the funds ( {$1700.00} ) exist, while the operational department refuses to acknowledge them or process the reissuance. I request the CFPB to intervene and compel Citibank to : Immediately process the reissuance of my final balance of {$1700.00} from account ending in XXXX. Send the check to my international address in XXXX, XXXX, which I have attempted to provide multiple times. Explain why their phone staff is denying the existence of funds that the Executive Office has already confirmed in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been a US bank member for exactly a yr now and Its been a great relationship.I receive both of my work checks through their institution, also tax returns and other direct deposits.In this past yr Ive filed XXXX fraud disputes on my account.Im guessing this last dispute which is valid is the reason they are parting ways ( in my opinion ) .This has cause me a lot of stress and financial hardship because all of my money is locked in the account.Their customer service reps tell me its above their pay grade which is highly unusual.Ive opened accounts for my children recently so I have no reason so breach my contract with US bank.They were my primary institution.This has never happened to me before and Im highly upset with the lack of communication with their clients!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Received a call regarding potential fraud on my savings account at American Expresss Bank - High Yield Savings Account on Friday evening, XX/XX/XXXX. I called back with in an hour to be told that the XXXX dept was closed and only open m-f. Today is Monday, XX/XX/XXXX and I have been trying to get through. I am currently on hold again and it has been XXXX minutes on hold so far! Because they have restricted my withdrawals, I have no access to these funds. I understand a hold due to potential fraud, but there has to be something in place to resolve such things more quickly. It seems unacceptable to restrict access to my account and not give me a way to clear it up in a timely fashion.

Company response to consumer: Closed with explanation