vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CO

Complaint narrative:
I am filing a complaint regarding inaccurate billing, misapplication of payments, and improper account locking on my auto loan. My monthly payment is {$660.00}. 
In XXXX and XX/XX/XXXX, some early payments did not post correctly. To resolve this, on XX/XX/XXXX, I made a {$1500.00} catch-up payment, which cleared my bank without issue. When payments are applied correctly to the oldest unpaid balances, that XXXX payment fully satisfied the prior months and created a credit that carried forward. 
Additional payments made in XXXX, XXXX, and XX/XX/XXXX cleared my bank and were applied, resulting in all monthly obligations being satisfied through XX/XX/XXXX. 
I filed a bankruptcy case in late XX/XX/XXXX. Payments made after that time cleared my bank and should have been applied accurately and consistently by the loan servicer. 
Despite this, in XX/XX/XXXX I was unable to make my scheduled payment because Global Lending locked my account. I was told by representatives that I owed an additional balance exceeding {$1000.00} and that a prior payment had not cleared, which is incorrect. My bank records show the payments cleared, and the lenders own payment history does not support an outstanding balance beyond the regular XXXX payment. 
I contacted Global Lending multiple times, including escalation, but the issue was not resolved and promised follow-up did not occur. I am requesting correction of the account balance, removal of the improper account lock, confirmation that payments through XX/XX/XXXX are satisfied, and the ability to make my XX/XX/XXXX payment without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On or about XX/XX/year> funds were deposited to my So-Fi account ending in # XXXX. The amount was for {$10000.00}. I tried to wire money to my XXXX account and wire was placed on hold pending verification. I then received a call from the investigation dept. His name was XXXX @ XXXX. He told me I had been scammed and the funds would be returned and my account closed. When I called back the next day to inquire about what was happening and for proof of transactions taken I was told no. How is it possible I can be barred from that. Subsequent calls through the website were handled the same way, including my call today with XXXX @ XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was a charge on my RBFCU debit card on XX/XX/XXXX for {$600.00} " XXXX XXXX XXXX XXXX XXXX XXXX '' that I did not authorize or participate in. As I looked into the situation with XXXX XXXX, it was for XXXX XXXX  tickets, which I did not request. In looking further, there were additional authorizations for the same amount, for the same game, each totalling over {$600.00} each, totalling almost {$1900.00}. I immediately contacted RBFCU regarding my debit card being used for fraud. They were able to stop the authorizations, but the charge that had already posted to my account they refused to reverse, stating my information had been used. Yes, my accounts were hacked, so the hackers had access to my account, either at XXXX XXXX or RBFCU. I subsequently closed both my XXXX XXXX account, and blocked my RBFCU debit card, and requested a new one. The new one never came after a month of waiting, so I had to call and request yet another one. I am out {$600.00} for fraudulent charges that RBFCU refuses to assist me with. In the screenshot I have attached, it shows XXXX purchases, and XXXX additional purchase for " parking '' - all of those were stopped, except XXXX, totaling {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I received a credit decrease alert through XXXX  stating it was a debt collection from sunrise for {$150.00}. I can not get through to them nor am I aware what this charge is for.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: PA

Complaint narrative:
On XX/XX/XXXX, I began contacting XXXX XXXX XXXX XXXX about an alleged debt. On XX/XX/XXXX, I sent a written request for debt validation and a refund of any payments made, disputing the alleged debt. I gave them a deadline of XX/XX/XXXX, to respond. As of today, they have not provided the requested information or contacted me, despite my attempts to resolve the issue directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Complaint Against Bank of America Deceptive Loan Servicing Practices I was in the process of purchasing an RV and was presented with several banks as potential lenders. One of those lenders was Bank of America. Before selecting any lender, I contacted Bank of America directly to confirm that they were a good fit and that they offered the specific loan servicing features I require. 

Prior to signing the loan documents, I explicitly discussed with Bank of America how the loan would be serviced, including how interest is calculated, how payments are applied, and the procedures for making principal-only payments and early payoff. I made it clear that the ability to make principal-only payments easily and frequently is essential to me, as I routinely make multiple payments per month and pay well above the minimum due. Bank of America confirmed that they could accommodate these needs. 

After the loan was originated and I attempted to make my first payment, I discovered that Bank of America does not allow principal-only payments to be made online. This directly contradicts what I was told prior to agreeing to the loan and was a deciding factor in my choice of lender. 

Instead, Bank of America requires customers to either : Mail in a physical payment with a written letter requesting that it be applied to principal only, hoping it is processed correctly, or Call in and navigate a lengthy automated system that does not allow for principal-only payments, then hope to reach a representative in the correct department who can manually process the payment. 

This process is unreasonable, inefficient, and risky. It forces customers to repeatedly disclose sensitive personal and account information over the phone and relies on manual handling that increases the likelihood of errors. More importantly, this structure actively discourages principal payments and appears designed to maximize interest collection rather than allow borrowers to reduce their balances efficiently. 

I believe this practice is deceptive and manipulative. Bank of America misrepresented their loan servicing capabilities to induce me to originate the loan with them. Had I been accurately informed that principal-only payments could not be made online, I would never have agreed to use Bank of America as the lender. 

Because this loan was originated based on false and misleading information, I believe I was deceived into entering the agreement. I am requesting that this matter be investigated and that appropriate corrective action be taken, including consideration that the loan was originated under false pretenses.

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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: VW Credit
State: TX

Complaint narrative:
Good Evening Dear Team, I hope you have a lovely Tuesday. Please kindly help me that Volkswagen XXXX XXXX repossessed my vehicle while I am unemployed. 

I was informed that I had a 15-day period to resolve the matter. 

I submitted a written hardship request by fax within that period, and XXXX confirmed receipt. 

Despite this, I was told there were no options unless I paid a reinstatement amount of {$3400.00}, which I am unable to pay due to unemployment. 

I am trying to resolve this matter responsibly and am requesting transparency, proper notice, and fair review of fees. 

The vehicle is currently located in XXXX, Texas, and the loan originated in New York. 

I really appreciate for the help and I usually need vehicle to go interview and find a job. Now, I'm very stressful and it's very difficult to commute in Taxes .. Hopefully, you will help me out this matter and i can find a job as soon as i can. 

With best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding a missing {$300.00} promotional bonus for my Chase XXXX Checking account. 

I opened the account on XX/XX/year>, at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. The banker who assisted me informed me that the {$300.00} bonus would be automatically credited once my payroll was deposited into the account. 

I have met this requirement, and my salary deposits have been made for over XXXX months. Despite this, the {$300.00} bonus has not been credited. 

I attempted to resolve this issue by contacting the banker directly and escalating to the branch, but I did not receive a response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Block, Inc.
State: TX

Complaint narrative:
My information was stolen. I made a police report. I blocked one of the agencies that were attempting the charges, Cash App still allowed some of the transactions to go thru. They have remedied XXXX of the smaller transactions one from the blocked agency. Now theyre telling me XXXX of the other larger sum transactions must go thru the agency that I blocked and that it could take up to 46 days to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
A debt Validation was requested and not followed up on. 

XXXX  XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. 
The account listed below is inaccurate and must be investigated : Creditor : JEFFERSON CAPITAL SYSTEMS Account XXXX Balance Reported :. {$1100.00} Basis for Dispute : The furnisher has not provided competent evidence that I entered into a contractual agreement for this debt The amount reported is inconsistent with the original balance and lacks proper accounting No proof of lawful assignment from the original creditor has been provided The Date of First Delinquency is not clearly or accurately reported This account has not been properly validated as required under 15 U.S.C. 1681s-2 ( b ) Under the FCRA, XXXX  is required to conduct a reasonable investigation and delete or correct any information that can not be verified. 
Please provide written confirmation of your investigation results. If the furnisher fails to verify this account with adequate documentation, it must be permanently removed from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
A debt Validation was requested and not followed up on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting Report Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681.

The account listed below is inaccurate and must be investigated : Creditor : HARRIS & HARRIS LTD Account XXXX Balance Reported : {$640.00} Basis for Dispute : The furnisher has not provided competent evidence that I entered into a contractual agreement for this debt The amount reported is inconsistent with the original balance and lacks proper accounting No proof of lawful assignment from the original creditor has been provided The Date of First Delinquency is not clearly or accurately reported This account has not been properly validated as required under 15 U.S.C. 1681s-2 ( b ) Under the FCRA, XXXX is required to conduct a reasonable investigation and delete or correct any information that can not be verified. 
Please provide written confirmation of your investigation results. If the furnisher fails to verify this account with adequate documentation, it must be permanently removed from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: WI

Complaint narrative:
Received letter from XXXX XXXX claiming I owe {$1400.00} for medical claim on XXXX. 
Verified all claims are paid for that date with XXXX and supplement. Creditor not recognized. 
Called XXXX to have creditor resubmit claims. They claim they do not do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: AZ

Complaint narrative:
I am disputing an unauthorized electronic withdrawal under Regulation E involving JPMorgan Chase Bank. 

On XX/XX/XXXX, I withdrew {$500.00} from a Chase ATM. Immediately afterward, I conducted an in-branch teller transaction to exchange {$200.00} for four {$50.00} bills. During this teller interaction, I was required to insert my debit card. 

On XX/XX/XXXX I noticed that on the same day that I withdrew the XXXX from the ATM an {$120.00} e-withdrawal was posted to my account. I did not authorize or conduct this withdrawal and did not return to an ATM or teller. 

This withdrawal occurred during a controlled in-branch interaction, indicating a bank process or internal control failure, not customer error. 

I reported this as unauthorized, but Chase has delayed resolution and advised the investigation will continue until XX/XX/XXXX. I have not received clear confirmation that provisional credit was issued within Regulation E timelines.

Under Regulation E, the burden of proof is on the bank to show that I personally authorized this transaction. I am requesting immediate provisional credit, a full investigation including teller terminal logs and branch video review, and permanent correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NV

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/year> I sent {$160.00} via Chime to purchase a table and chairs off of XXXX. We agreed on a sales price of {$320.00} and I agreed to pay half for them to hold the table and would pay the remaining half once I picked up the table. The address provided where the table was located was false and the phone number provided to give them a heads up once I was on the way was false. When I let them know I was at the location, they removed the post. I requested the seller refund my {$160.00} and they never replied and never issued a refund. I tried calling Chime immediately ( same business day ) to file a dispute, they said this was a peer to peer transaction and can not be disputed. I did find out the money is transferred via ACH. And in my 21 years of banking career, I know for a fact that ACH transactions can be stopped and reversed. But Chime provided no solution to help me as a consumer that fell victim to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to file a dispute ( chargeback ) in the BofA XXXX Bank of America ) app. I filled out several pages of forms, only to lose all that information after getting an error message : Dispute a Transaction Provided by Bank of America The dispute feature is temporarily unavailable. 
Please try again later or call us at the number on your statement or back of your card. 

This felt like sabotage of complaints. If " The dispute feature is temporarily unavailable. '' that ought be disclosed up front, not after I fill all the forms. 

In my experience, it's more permanent than temporary.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Dispute of Fraudulent Wire Transfers- Bank of America- Account ending in XXXX. 

I am filing against Bank of America ( BofA ) regarding a XXXX fraudulent wire transfers totaling {$160000.00} that occurred between XX/XX/XXXX and XX/XX/XXXX. 
Transfer : Date : Amount : Reference # XXXX. XX/XX/XXXX {$6300.00} # XXXX XXXX. XX/XX/XXXX {$25000.00} # XXXX XXXX. XX/XX/XXXX {$29000.00} # XXXX XXXX. XX/XX/XXXX {$8600.00} # XXXX XXXX. XX/XX/XXXX {$35000.00} # XXXX XXXX. XX/XX/XXXX {$5200.00} # XXXX XXXX. XX/XX/XXXX {$2500.00} # XXXX XXXX. XX/XX/XXXX {$23000.00} # XXXX XXXX. XX/XX/XXXX {$11000.00} # XXXX XXXX. XX/XX/XXXX {$14000.00} # XXXX TOTAL : {$160000.00} Despite my immediate notification to the bank, BofA has failed to fulfill its duty of care and recovery. I am requesting a full reimbursement based on the following failures : 1. Failure of Fraud Monitoring : This transaction was significantly outside my normal banking patterns " I have never sent an international wire this large. BofA 's security protocols failed to flag or hold this high- risk trans actions before the funds left my account. 

XXXX. Negligent Delay in Recovery : I notified BofA on XX/XX/XXXX at XXXX, that my last wire transfer was on XXXX explicitly requested a " SWIFT Recall '' and a " Financial Fraud Kill Chain ''. BofA told me " I don't know what that is, let me check. ". They failed to confirm the recall was sent.

3. l Legal Protections ( UCC 4A and Regulation E ) : Under the Uniform Commercial Code ( UCC ) Article 4A, a bank is responsible for unauthorized transfers if their security procedures are not commercially reasonable. Furthermore, I draw attention to recent XXXX XXXX legal precedents ( e.g., NYAG v. Citibank ) which argue that a consumer protections under Regulation E should apply to the initiation phase of wire transfers.

Desired Resolution : I an seeking a full credit of {$160000.00} to my account. I
have already filed a report with FBI, s IC3 ( submission ID : XXXX ) and the XXXX Police Department ( Case # XXXX ). I expect Bank of America to provide a detailed explanation of why their fraud filters failed to stop these transactions and proof that the SWIFT recall was initiated within one hour of my report.

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