vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 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: PA

Complaint narrative:
REBUTTAL TO CITI RESPONSE : FORMAL ASSERTION OF CLAIMS AND DEFENSES Case # XXXX I am formally rebutting Citis denial dated XX/XX/year>. Citibank is incorrectly attempting to adjudicate this matter under 12 CFR 1026.13 ( Billing Errors ) and internal XXXX timeframes. I am not reporting a billing error ; I am formally asserting my rights under 12 CFR 1026.12 ( c ) ( Claims and Defenses ). Under federal law, a consumers right to assert claims and defenses against a card issuer for defective or misrepresented goods is not subject to the XXXX billing error window or Mastercards XXXX rule. This right exists for up to XXXX year from the date of the first statement, provided the purchase exceeds {$50.00} and occurred in the consumer 's home state. XXXX. Fact : Material Misrepresentation & Breach of Warranty XXXX marketing ( Exhibit B ) and technical manuals ( Exhibit C ) explicitly promise " XXXX XXXX '' ( retention of 95 % charge for XXXX  year ) and a " XXXX backup '' capability. However, in the attached correspondence ( Exhibit A ), XXXX XXXX XXXX admits the unit has a " normal '' idle drain of XXXX per hour. The Mathematical Proof of Fraud : A XXXX hourly drain equals XXXX per day. On a XXXX unit, the battery is depleted in XXXX days while doing nothing. The Violation : This represents a 9,000 % deviation from the XXXX standby capability advertised. This XXXX " normal '' drain is documented in writing by the merchant but is undisclosed on their website and in their manual. XXXX. Justification for Total Recovery of {$12000.00} Citi is legally obligated to make the consumer whole. This total includes the {$2000.00} installation fee. Because the hardware is fundamentally defective and incapable of performing the " whole-home backup '' function as marketed, the professional installation is valueless. I have relied on the merchants marketing and their recommended installers to my financial detriment. XXXX. Final Assertion I made a good-faith effort to resolve this with XXXX on XX/XX/XXXX, XXXXimmediately following the XX/XX/XXXX professional installation. The merchants refusal to honor a refund for a product that fails to meet its own basic technical specifications is the exact scenario 12 CFR 1026.12 ( c ) was enacted to prevent. I expect Citibank to comply with federal regulations and immediately reverse the charges for this defective equipment and the associated installation costs.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp approved Alot of payments I didn't approve and won't pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing inaccurate and unverifiable information currently appearing on my TransUnion credit report. I am requesting compliance with the Fair Credit Reporting Act. 

Charged-Off Accounts XXXX XXXX XXXXXXXX Account XXXX XXXX ( reported charge-off date XX/XX/XXXX, balance {$0.00} ) XXXX Account XXXX XXXX ( reported XXXX date XX/XX/XXXX, balance {$0.00} ) Late Payment Accounts XXXX  XXXX Account XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 4 months ago, I called American Express to open a XXXX XXXX American Express Credit Card. During the phone call, the Agent promised that I would receive XXXX reward points for opening the credit card and {$250.00} in credit. Today is XX/XX/year> and I have not received neither of the XXXX. About XXXX  month ago, I called American Express to get a status on the XXXX items and they opened case XXXX to resolve it. However, today I called American Express to get an update and the Agent advised that they closed the case without a resolution and refused to provide any details as to why they did not apply the bonus and credit even though their Agent promised them on a recorded phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am filing this complaint because Navient has repeatedly denied my applications for school misconduct relief related to private school loans I borrowed to attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Campus from XXXX and serviced by Navient, despite substantial evidence of misconduct, reliance, causation, harm, and XXXX party corroboration. 

Specifically : XXXX. School Misconduct Evidence : XXXX was part of a network of schools operated by XXXX XXXX XXXX ( XXXX ) that were subject to a multistate investigation by the Michigan Attorney General and XXXX other state attorneys general, which found that XXXX used deceptive practices, including : -Misleading students about job placement rates, -Misrepresentation of total program costs, -Misrepresentation of credit transferability, -Misleading statements about future earnings potential. 

XXXX. As part of a settlement, XXXX agreed to forgo collection of debts owed by hundreds of thousands of students and reform its recruiting practices, acknowledging that the misconduct harmed students financial wellbeing. 

XXXX. Reliance and Harm : I relied on these misrepresentations when enrolling and borrowing private student loans. My actual earnings and employment outcomes did not match what was represented, and my tax returns and loan history demonstrate a sustained inability to repay these loans without hardship. 

XXXX. Repeated Navient Denials : Navient has denied my misconduct claim XXXX times, stating insufficient evidence. However, the XXXX  AG settlement is independent third-party evidence of pervasive misconduct by the corporate owner of XXXX, directly relevant to my claim. 

XXXX. Legal and Regulatory Issues : Navients repeated denials despite significant third-party findings may indicate a failure to properly assess documented misconduct and apply relief where owed. 


Remedy Sought : I request that the CFPB investigate Navients handling of my school-misconduct relief application, review whether Navient is properly applying consumer protection standards to private student loan misconduct claims, and take appropriate action to enforce compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Hello, I am submitting this complaint regarding an auto loan financed through Westlake Financial for a vehicle I purchased on XX/XX/year>, through a licensed dealer. 

Shortly after the purchase, the vehicle developed severe mechanical problems. A professional mechanic has confirmed that the vehicle has a catastrophic engine failure, which is causing significant oil leakage and would require a full engine replacement. The estimated cost exceeds {$2000.00} in parts and labor. 

According to the mechanic, this level of damage is not consistent with normal use after purchase and indicates a pre-existing condition that was present prior to the sale. These issues were not disclosed to me at the time of purchase.

The vehicle was financed directly through the dealer using Westlake Financial. I have already made my first payment in good faith. However, due to the undisclosed catastrophic defect, I formally dispute the loan. 

The dealer has acknowledged the seriousness of the issue but has proposed a resolution that would require me to pay {$2.00} out of pocket to close the loan. I can not accept this, as it would force me to assume financial responsibility for a defect that existed before the sale. 

I am requesting CFPB assistance to ensure that : - the loan remains under formal dispute and review, - no negative credit reporting occurs during the investigation, and - a fair resolution is reached that does not require out-of-pocket payment from me for undisclosed pre-existing defects. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
My account was closed XX/XX/XXXX saying due to suspicious activity there was no suspicious activity that they could give. Ive been using this account since XXXX and its never been a warning or anything on my account about suspicious activity. They close it out of nowhere. They closed my friends as well for no reason and I use my account to pay bills to get my paychecks and they did it in the middle of the night at XXXX in the morning and they will not give a valid reason of to why my account is closed. They keep giving policy and they only ask XXXX questions when they do the appeal they ask you what that account is used for and if theres any other information you want to state and I gave them the same reason I stated in this, I use it to pay my bills and to get my paychecks and they still close my account and will not reopen it. They said that appeal was finished on XX/XX/XXXX but thats the same date that I did the appeal. they couldnt have looked at my full account in the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a Wells Fargo account after being promised a referral bonus as part of a Wells Fargo referral promotion I received via email. I relied on this promise when deciding to open the account and completed all requirements associated with the promotion. 

After satisfying the stated terms ( including account opening, required deposits, and maintaining the account for the applicable period ), I followed up regarding the referral bonus. Wells Fargo denied payment of the bonus with falsified explanation, despite my compliance with the promotion requirements. 

The referral bonus was material to my decision to open the account. I acted in good faith and met the promotional conditions as communicated. Wells Fargo has failed to honor the promotional offer or provide documentation showing that I did not qualify. This appears to be misleading or unfair promotional conduct, particularly if the bonus was advertised but not honored after compliance.

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 2026-01-15 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: GA

Complaint narrative:
In XX/XX/year> I received a notice from Bank Of America that my account had been closed and that my balance had been submitted to the state effective XX/XX/year>. I have called the state and they have no record of receiving the funds. I am a Bank of America XXXX, and had assumed that I would have that account as long as I lived. I did not receive any notice that they were going to close it. And I do not understand why it was closed.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
When I opened the checking account in branch, the banker told me she enrolled the promotion code for me and gave me the flyer of the bonus offer. She also told me what to do to get the bonus, which is {$2000.00} of direct deposit and XXXX debit perchases. But after I satisify the requirements, they told me my account was not enrolled in the promotion because it was opened online. I tried to talk to their customer service but they refuse to enroll it for me.

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 2026-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axela Technologies, Inc
State: CA

Complaint narrative:
I was contacted by a debt collection agency regarding an alleged HOA lease/administration fee on XX/XX/year>. This was the first notice I received of the charge. I did not receive prior written notice, and my HOA portal does not allow me to view balances or pending dues, preventing me from identifying any outstanding amount. 

The account was escalated to collections without my knowledge, and the collection agency is now demanding several hundred dollars in additional fees. I immediately contacted the HOA, disputed the debt in writing, and offered to pay the original amount directly. The HOA has refused to recall the account and instead advised me to deal with collections while threatening attorney escalation. 

I am disputing the debt due to lack of notice, improper escalation, and excessive added fees. I am requesting that the account be recalled from collections, collection fees waived, and the matter resolved directly with the original creditor.

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 2026-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is a follow up complaint to a previous complaint ( XXXX ) that I filed with CFPB against Synchrony Bank XXXX XXXX : Failure to Investigate Billing Dispute I am submitting this update to my complaint regarding Synchrony Bank and my Mattress Firm / Synchrony Home account. 

After submitting a formal billing dispute under the Fair Credit Billing Act concerning a {$2600.00} deferred-interest charge, Synchrony responded with an emailed letter dated XX/XX/year>. That response did not address the billing dispute. 

Instead, Synchrony treated my dispute as a request for copies of sales receipts and stated they were unable to locate certain receipt records. This response is unrelated to the actual issue raised. I did not dispute the existence of a receipt. I disputed the application of retroactive interest and the lack of notice that the promotional financing period was about to expire. 

Synchronys response failed to : XXXX. Address the disputed {$2600.00} interest charge XXXX. Address my statement that I would have paid the remaining ~ {$900.00} balance in full had notice been provided XXXX. Provide any documentation showing when or how notice of promotional expiration was delivered XXXX. Demonstrate that a proper investigation was conducted, as required under the FCBA By responding to an unrelated issue and failing to investigate the actual billing dispute, Synchrony has not met its obligations under federal consumer protection law. 

I have attached copies of my original dispute letter and Synchronys response letter below.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I traveled to XXXX on XX/XX/XXXX for the XXXX holidays. During this time, I was frequently on hikes and trips and did not regularly check my bank account. A few days before my return, I reviewed my account and discovered multiple unauthorized ATM withdrawals made over approximately XXXX week, in amounts such as {$400.00}, {$300.00}, and {$50.00}, repeatedly, totaling {$4300.00} ( excluding transaction fees ). 

I did not make these withdrawals. At all times, my debit card remained in my possession, and I was approximately XXXX miles away from the locations where the transactions occurred. I immediately reported the activity to Chase as fraudulent. 

My claim was denied on the basis that the transactions appeared familiar and that I or someone with knowledge of my PIN may have made them. I strongly dispute this conclusion, as I did not authorize these withdrawals, did not share my PIN with anyone, and was not physically present in the area where the transactions took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year> I purchased a new XXXX from Apple on my Apple Card ending in XXXX, order number XXXX for {$390.00}. In the same purchase I did a trade-in with Apple where XXXX turned in my old XXXX for a credit of {$460.00}. On the day of sale I was charged in full for the XXXX, {$390.00}. I sent in my old XXXX for trade-in, Apple confirmed they received it and confirmed they would issue me a refund of the XXXX {$390.00} and would send the remaining amount via gift card. 

After XXXX weeks I got my gift card but realized my Apple credit card was not showing a refund for the {$390.00}. I called Apple itself to see if the refund had been sent. They sent me confirmation that the credit amount was sent back to Goldman Sachs, the servicer the Apple credit card ( credit invoice # from Apple is XXXX ). So, I called Apple credit card to see why, if Apple had sent Goldman Sachs/Apple card the refund, the refund had not been credited to my account. I called Apple credit card and they said that they have no record of a refund from Apple and that I would need to call Apple. XXXX because Apple just told me they sent the refund and that Id need to call Apple credit card. And therein lies the rub. 

So now I am stuck with a charge on my card of {$390.00}, accruing interest, when I should have XXXX balance related to this transaction. No one on either side knows what they are doing and I am greatly in need of assistance in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: MI

Complaint narrative:
My account was frozen with my money in it. I had problems getting my ID, but they didn't have just cause for blocking account in the XXXX  place. XXXX XXXX said they did it because they called me XXXX time and didn't reach me. There wasn't XXXX dollars in the account when they frozen it. I made the mistake of telling them I lost my ID, and then it was suddenly an emergency for them to get a copy of it. I lost my wallet, they knew I ordered a new card. I have a feeling this complaint will join a large list of other complaints involving DE and their customer relations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XX/XX/year>, Bridgecrest repossessed my vehicle after I had executed a Retail Installment Contract Modification Agreement with a due date of XX/XX/year>. I was never notified that the modification was declined prior to the repossession. 

During a call with Bridgecrest Escalations, they stated the modification was declined internally but provided no prior notice and told me I had XXXX  days to pay {$1400.00} to reinstate the vehicle. I disputed this, explaining that the repossession was wrongful under North Carolina law, as I had relied on the executed modification agreement. I requested immediate return of the vehicle and waiver of all repossession and storage fees while the dispute was reviewed. 

I have documentation of the signed modification, ACH payment confirmation, and call notes. I agreed under protest to pay the reinstatement fees to get my car back immediately but I would like this reviewed before I have to pay. They only sent me a payment decline the day after I signed the modification agreement not that my modification was declined I have provided all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
On XX/XX/year> my account was restricted for suspicious activity. I was unable to use my debit card, withdraw or add funds. Ive tried resolving the issue but had no luck so far

Company response to consumer: Closed with explanation