vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Premier Auto Credit
State: CA

Complaint narrative:
I am filing this complaint against Premier Auto Credit for refusing to honor a signed settlement agreement. On XX/XX/XXXX, Premier Auto Credit provided me with a written settlement agreement concerning my vehicle loan for a XXXX XXXX XXXX. The agreement stated that my outstanding balance was {$7400.00} and that Premier Auto Credit agreed to accept {$3500.00} as full and final payment of the account. The agreement further stated that upon satisfaction of the payment requirements, I would be released from all liability under the contract. The settlement agreement was signed by both Premier Auto Credit and me on XX/XX/XXXX. At the time Premier Auto Credit made and signed this settlement agreement, my vehicle had already been involved in an accident and had already been determined to be a total loss. After learning that insurance proceeds would be available, Premier Auto Credit informed me that it would no longer honor the signed settlement agreement and instead demanded approximately {$7500.00}, which is essentially the full loan balance. The written settlement agreement contains no language stating that the agreement is void if insurance is involved, no language permitting Premier Auto Credit to revoke the agreement after execution, and no language stating that the company may demand the full balance if an insurance claim exists. I believe Premier Auto Credit entered into a written settlement agreement and then attempted to withdraw that agreement solely because it became aware that insurance funds might be available. Because the vehicle was already a total loss before the settlement agreement was executed, Premier Auto Credit either knew or should have known the circumstances surrounding the vehicle before offering and signing the settlement. I relied on the signed agreement and expected Premier Auto Credit to honor its written terms. Refusing to honor the agreement after it was signed has caused financial hardship, uncertainty, and has prevented resolution of the account under the agreed terms. I respectfully request that the Consumer Financial Protection Bureau investigate Premier Auto Credits actions, require the company to explain why it refuses to honor a signed settlement agreement, and determine whether its conduct violates consumer financial protection laws. I further request that Premier Auto Credit honor the written settlement agreement and accept the agreed settlement amount of {$3500.00} as full satisfaction of the account. I have attached a copy of the signed settlement agreement for review.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my father had passed away. I and my sister went to Bank of America XX/XX/XXXX to inform them he passed with the death certificate. We were not listed as his beneficiaries nor did he have a will. We didnt know his debtors so we talked to XXXX XXXX XXXX and received info to wait 2 years to claim his account at BofA . On XX/XX/XXXX, I came to the XXXX XXXX XXXX XXXX XXXX BofA branch with all the documents for legal administration of that account and the paperwork was approved by the Bank of America and I was to receive a check. XXXX weeks went by and nothing so I visited the same branch in XXXX XXXX and handed me to BofA Estate Services which said they gave the funds to Florida Unclaimed Property and this was on XX/XX/XXXX. I looked up on the website they told me to go on and there was nothing. I reached out to Florida Unclaimed Property on XX/XX/XXXX and was told that timeframes for dormant bank accounts is 5 years before escheatment. I then looked up inactive bank account policys for Bank of America and it said XXXX to 5 years before going to dormant and triggering it to go to Florida unclaimed property. On XX/XX/XXXX, I asked XXXX last time inquiring of the account turnover to me and that they broke their policy by 4 months and they stated on a recorded phone line that they dont have to go by the policy set in place. Between XX/XX/XXXX and XX/XX/XXXX, I placed complaints through Bank of America complaints and they said the same thing, that they can break policy. I called about this matter over 7 times over this time and the response was the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My PayPal account was accessed without my authorization on XXXX separate occasions, both in the early morning hours. First incident : XX/XX/year> at XXXX XXXX, a fraudulent purchase of a PayPal gift card was made for {$100.00} ( Order # XXXX ). I was awake at this time and did not make this purchase. Second incident : XX/XX/year> at XXXX XXXXXXXX a second fraudulent purchase of a PayPal gift card was made for {$100.00} ( Order # XXXX ). Again made in early morning hours without my knowledge or authorization. I reported both incidents to PayPal who denied my disputes claiming the transactions were legitimate despite both occurring between XXXX without my knowledge. PayPal refused to investigate further or refund the unauthorized charges totaling {$200.00}. I have since secured my account with a new password and XXXX factor authentication. I have also filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Parties involved is Capital One. Capital One XXXX. I originally booked hotel for the dates XXXX XXXX. Something came up personally and I canceled it but it ended up resolving so I rebooked it. Both were nonrefundable. When I went to checkin the hotel informed me that I had XXXX reservations even though I cancelled XXXX. And they told me to contact the booking agent as they can't do anything in their system. The hotel just checked me into the cheaper reservation out of consideration through no fault of their own I reach out to Capital One XXXX and they said they can't do anything on their end and require an approval. But they're the booking agent coordinating the refund. It's becoming a he says she says. While I do admit I couldve booked a refundable rate. It is completely unacceptable for the booking provider to not have the other XXXX canceled

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This complaint follows an active CFPB complaint ( XXXX ) submitted on XX/XX/year> and along with multiple reports repeated unresolved attempts to obtain resolution directly from Bank of America. After filing my CFPB complaint, I was contacted by a representative from Bank of America 's XXXX XXXX XXXX regarding my complaint. Unfortunately, I missed the initial telephone call. Shortly thereafter, the representative sent me an email regarding the complaint and provided a telephone number and extension. I immediately attempted to return the call ; however, the extension number provided was incorrect and did not allow me to reach the representative. Not to mention I was unable to reach anyone at the number provided because in order to speak to someone at that number you must have a XXXX digit code ore the system will hang up on you and that being said you cant get transferred to talk to anybody so frustrating. Im confused how theyre working on this case but havent reached out to me but XXXX time and they have not responded to My multiple times of reaching out to them then to top it off its been going on XXXX months. Its been XXXX months already XXXX months and 12 days to be exact. This is insane. Please help me get this resolved. XXXX desperate for answers and assistance really should be treated like this. It feels XXXX, unprofessional, and unfair. I then responded to the email and sent additional follow-up emails seeking assistance and requesting an update regarding my complaint and withheld funds. Despite my efforts to communicate and cooperate, I have not received a response or meaningful update. I am concerned that I have made every reasonable effort to participate in the complaint process, yet I have been unable to obtain information regarding the status of my funds due to inaccurate contact information and lack of follow-up communication. I do not want my complaint delayed, negatively impacted, or closed due to communication issues that were outside of my control. Despite multiple assurances that the funds would be released, no action has been taken, no final determination has been provided, and approximately {$14000.00} being withheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
NewRez LLC/Shellpoint Mortgage Servicing has not responded to numerous requests regarding : 1. Successor of Interest ; 2. Disputed Property Insurance ; 3. Requested reimbursement for mortgage, property insurance, repairs, etc., made on behalf of the deceased mother/borrower ( XXXX XXXX XXXX XXXX and escrow balance prior to wrongful lender placed insurance ; and 4. Requested loan payoff amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
I am filing a complaint against Giggle Finance for unauthorized duplicate billing, deceptive practices, and charging retaliatory fees. On XX/XX/year>, I made an authorized manual payment of {$400.00}. The company claimed it failed, but my bank successfully processed it. Then, on XX/XX/year>, the company automatically withdrew another {$400.00} without my consent, resulting in a double charge. I contacted their support team and provided my official bank statements proving the double withdrawal. However, they completely ignored my evidence, refused to check their actual bank deposits, and falsely denied the issue. Left with no choice, I disputed the unauthorized duplicate charge through my bank ( XXXX ) to recover my funds. In direct retaliation for the successful chargeback, on XX/XX/year>, Giggle Finance penalized me by adding a massive and unjustified " Collection_costs '' fee of {$1200.00} to my account, along with re-adding the {$400.00} charge. I have sent them multiple messages with evidence demanding they remove these retaliatory fees and correct my account, but they are now completely ignoring my texts. This is a highly predatory and unacceptable business practice.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do not recognize this debt nor have I had any contract with the company that attempting to collect this debt. I am requesting the original contract with my signature from the company that is attempting to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I filed a complaint against TekCollect and XXXX XXXX XXXX in XXXX of XXXX. Both complaints have been closed and I have document proof that XXXX adjusted my account to {$0.00} and would cease collection efforts. However, a few days ago this debt from TekCollect collections negatively affected my credit score. I have attached the response from XXXX back in XXXX as well as the results from TekCollect. I made multiple efforts to contact someone from TekCollect with no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On my initial visit to XXXX XXXX, I requested a quote for potential XXXX XXXX. During that visit, the office took XXXX XXXX and provided me with an estimate for the recommended XXXX. As part of the consultation, the staff informed me that they offered financing options through XXXX to help cover the cost of treatment. I agreed to apply for credit solely to determine whether I would be approved should I choose to move forward with treatment. I was approved, but no services beyond the initial XXXX XXXX were performed. After receiving the quote, I scheduled an appointment to begin treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sent via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX : Disputed Collection Tradeline Request for Investigation To Whom It May Concern : I am writing to dispute the accuracy and completeness of information your company is furnishing regarding the following account : Account Number : XXXX Creditor : XXXX XXXX XXXX Amount Reported : XXXX I dispute this account and request that you conduct a reasonable investigation of the information being reported. Please provide documentation supporting your reporting of this account, including : Evidence that the account belongs to me. Documentation showing the amount claimed is accurate. Documentation showing your authority to collect and furnish information regarding this account. The date of first delinquency and payment history used in your reporting. Copies of any agreements or records you rely upon to verify the account. If your investigation determines that any information being reported is inaccurate, incomplete, or can not be verified, I request that you promptly correct or delete the information furnished to consumer reporting agencies. This letter is a dispute of the reported information and is not an acknowledgment of liability for the alleged debt. Please provide your response in writing. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank 's automated backend system suffered a critical data-mapping failure. I requested a routine replacement card, but the bank executed an impossible, backdated closure notice. I received a physical letter today stating my account was closed on XX/XX/year>. However, XX/XX/year>, is the exact day this account was opened, and I have used it actively for years. Furthermore, my live online banking portal still displays the card and my active outstanding balance of {$110.00}. Frontline chat support refused to route this to an IT supervisor and tried to send me to a 40-minute phone queue. The bank has stripped away my access to my line of credit due to an internal glitch while still holding me liable for the balance. I demand immediate corporate escalation, a manual override to reopen my account, and a replacement card shipped immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Below accounts have been opened : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX and Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX have placed into my all Credit Bureaus ( Experian , XXXX and XXXX ) . Those are act of fraudulent activity. Please remove them from my credit reports. 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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capital has continued to falsify accurate information. They have collection agency repeatedly changes dates to make an old debt look newer, it is an illegal practice called account re-aging. It is done to improperly extend the time a negative mark stays on your credit report or to reset the legal window for them to sue you.What the Law SaysThe 7-Year Rule : Under the Fair Credit Reporting Act ( FCRA ), negative debt information ( like collections ) must fall off your credit report after 7 years and 180 days from the Date of First Delinquency ( DOFD ) with the original creditor.Collection Agency Restrictions : A collection agency can not legally change this DOFD just because they bought the debt or transferred it to another agency. They have continued to do this with a 15 year old bill. Ive never even recieved a letter from them. Also this was from XXXX which is not operating anymore and XXXX claims they no longer have these old debts to provide a bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALCAR INC.
State: VA

Complaint narrative:
On XX/XX/year>, I entered into a financing agreement ( Application ID XXXX ) with DR Bank, serviced by XXXX, to pay for an online course from the merchant XXXX XXXX XXXX ( operating as XXXX ), processed through XXXX. The amount financed was {$3700.00}, with a 34.09 % APR and total repayment of {$5100.00}. XXXX confirmed the funds were disbursed to the merchant on XX/XX/year>. The product was presented to me as a subscription. I did not understand I was being signed up for a high-interest closed-end installment loan. XXXX own correspondence refers to it as a subscription with auto-renewal. When I told the merchants representative I could not afford the original monthly payment of about {$400.00}, he restructured the loan to about {$200.00} over a longer term rather than stopping the sale. During the application, I first entered my actual annual income of approximately {$5000.00} ( I am a XXXX ). The application would not approve a payment plan at that income. The representative then instructed me to enter {$50000.00} instead, after which the loan was approved. The lenders own records will show that my truthful income was declined and that approval followed only after the inflated figure was entered. The representative stated he records his calls, so a recording of this coaching may exist ; I request that it be preserved. I have contacted XXXXDR Bank ( case XXXX ), the merchant, and XXXX in writing to cancel and request a full refund routed to the lender. XXXX has kept the loan active, declined to pause the account or address credit reporting, and directed responsibility to the merchant. My agreement contains the FTC Holder Rule notice, which makes the holder of the credit contract subject to all claims and defenses I have against the seller. My first payment is due XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: CA

Complaint narrative:
" Four months ago, a merchant shut down their website and committed fraud, failing to deliver my goods. I disputed the payments through my banks, XXXX XXXX XXXXXXXX and XXXX XXXX. Both banks completed their investigations and issued permanent refunds.Klarna 's system is locked due to an automated 3-strike dispute limit. Klarna is now unlawfully trying to collect on a debt that two major banks already determined was merchant fraud. I demand Klarna adjust my account balance to {$0.00} and permanently close this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I tried adding funds to newly open account and they didnt try to take it right then they waited and I keep my card locked so it decline adding funds so they say they are gone close account for a {$1.00} and that I cant open it back up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The company close my account in XXXX. The account has been open for 8 years

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