vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding a denied promotional bonus for an American Express high-yield savings account. The promotion required a {$25000.00} deposit by XX/XX/XXXX. I initiated a transfer of the remaining {$9500.00} on XX/XX/XXXX, which was prior to the stated deadline and done in good faith to meet the promotion requirements. Due to standard XXXX processing timelines, the funds were not posted to my account until XX/XX/XXXX. American Express has denied the promotional bonus solely based on the posting date, despite the fact that I initiated the transfer well in advance of the deadline. I believe this is an unfair application of the promotion terms, as consumers have no control over XXXX processing times once a transfer is initiated. I acted within a reasonable timeframe to meet the requirement, and the delay was due to normal banking processes rather than any failure on my part. I am requesting that American Express review this situation and apply a one-time courtesy exception to honor the promotional bonus. I have already contacted customer service, but they stated they could not alter the posting date and did not offer a resolution. I am seeking a fair resolution based on good faith effort and reasonable expectations around transfer processing times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX Bank and its service provider, Integra Credit, regarding Loan # XXXX. I believe this loan 's structure and continued collection are " unfair and abusive '' under the Consumer Financial Protection Act. XXXX. Full Principal Satisfaction : > I borrowed {$2200.00} on XX/XX/XXXX. As of XX/XX/XXXX, I completed XXXX scheduled bi-weekly payments of {$140.00}, totaling * * {$2200.00} * *. Despite having paid back more than 100 % of the principal in just XXXX months, the lender continues to demand an additional XXXX payments totaling over {$4200.00} in further interest. XXXX. Predatory " Rent-a-Bank '' Scheme : > While the lender uses a Utah bank charter to claim exemption from state interest rate caps, I am a resident of Texas. This 159.9729 % APR is nearly XXXX times the rate typically allowed for a loan of this size under XXXX XXXX XXXX. This partnership appears to be a " XXXX '' scheme designed solely to evade consumer protections in my home state. XXXX. Lack of Reasonable Proportion : > The total cost of credit ( {$4300.00} ) is nearly double the amount borrowed. This ratio is unconscionable. The lender is leveraging a high-frequency bi-weekly schedule to ensure that early payments cover almost exclusively interest, creating a " debt trap '' where the balance barely moves despite significant payments. I am requesting that the loan be declared Satisfied in Full immediately. Since the principal has been repaid in its entirety as of XX/XX/XXXX, all subsequent payments made in XXXX should be refunded, the account closed with a {$0.00} balance, and the status reported as " Paid in Full '' to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX debt collection agency sent me an email that is not for me. It happens to be a collection for my mother that I did not know she had. She is still alive and I'm not sure how they got my email or why they would send me her info. It has the last XXXX of the account number, her first and last name, the amount owed and the collection ID number. The last I checked this was highly illegal. Please look into this. I wouldn't be surprised if this isn't the first time they've done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year>, I deposited a {$10000.00} check via ATM into my checking account with Bank of America in XXXX, Oklahoma. The check was issued by XXXX XXXX XXXX in XXXX XXXXXXXX. A full hold was placed on the deposit, with no funds made available, and I was informed the funds would not be accessible until approximately XX/XX/year>. I understand that holds may be placed on large deposits ; however, no portion of the funds was made available at any time. Based on my understanding of Regulation CC, funds are typically made available in stages unless a specific exception applies. I contacted Bank of America multiple times via customer service chat to request a partial release of funds and to obtain clarification on the reason for the full hold. I was informed that the hold would remain in place until the check was fully processed and collected. I specifically requested clarification on which Regulation CC exception was being applied to justify holding 100 % of the funds, but I was not provided with a clear or case-specific explanation. I also requested a partial release of funds, which was denied after a manager review. Additionally, during one of my customer service interactions, a representative ended the chat session while I was still actively attempting to resolve the issue, which I found unprofessional and unhelpful. I have maintained this account for approximately XXXX years and this is my primary checking account. Given the length of my relationship with the bank and the fact that this is a local check from an established financial institution, I am concerned that no partial availability was provided and that the explanation given was insufficient. I am requesting a clear explanation of the specific Regulation CC exception being applied, clarification as to why no portion of the funds was made available, and a review of whether any partial release of funds is appropriate. I have also submitted complaints for these 2 things, with reference number XXXX XXXX XXXX XXXX and XXXX XXXX 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 monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
We submitted a complaint with US Bank to remove the Lien. They acknowledged that the Lien did not exist in their system and was satisfied. After acknowledgment they did not remove the lien and it is still cloud on title. Complaint ID : XXXX We need this removed by US Bank like was requested on our last complaint. Documentation has been included showing the lien and property information.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Figure Technologies, Inc
State: NC

Complaint narrative:
I initially took a XXXX on XX/XX/year> for {$100000.00} at 10.55 %. I have been making large payments throughout and now have a balance of {$32000.00}. I noticed that the company was applying interest on those payments along with my scheduled payment. The amount of interest they were charging is very high. I called to ask what that was about and they said had I been making those payments on my due date I wouldn't have had those amounts applied to interest, but 100 % to principle. Basically, I feel they are double dipping on interest and penalizing me for trying to pay it off early. They said that when you make a payment outside of your due date they calculate a per diem and they prioritize the interest because they don't do principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am filing a complaint against Rocket Mortgage due to exorbitant fees. We refinanced through Rocket in XXXX of XXXX but now in XX/XX/XXXX we are in the process of selling our home. For some reason, Rocket has charged excessive fees and have not stated what these fees are for. Also, they lied to the title company and said we paid a partial payment for XX/XX/XXXX mortgage. We paid the entire payment on XX/XX/XXXX. The fees that they claim we owed are {$4900.00} in interest, {$260.00} in additional interest ( what is this for ), {$120.00} late fee ( for XXXX since our current lender told us not to pay since they received a payoff ), Reconveyance Fee {$10.00}, Recording Fee {$50.00}, and XXXX {$180.00}. The numbers were actually over $ XXXX until they had to correct the issue with XXXX. These companies are stealing from consumers especially with additional fees and do not spell out what they are for. I looked at my Rocket Mortgage account and I said the late fee but it does not have what the {$260.00} on it. When I called on last week, I spoke with two representatives who stated they needed to transfer me which the last person sent me to an automated system. This is frustrating and unprofessional. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX XXXX customer trying to close my Bank of America account. I no longer have access to my XXXX phone number, and the bank refuses to offer alternative verification methods. I have spent over XXXX hours on calls and was even disconnected. I have requested supervisors and still received no help. My account has a near-zero balance, and I do not want to incur fees, but I am being prevented from closing it. I am requesting immediate closure of my account and confirmation 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 2026-03-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have recently reviewed my annual credit report and found open accounts and collections that I was unaware of. I am a victim of identity theft and the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 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: Chime Financial Inc
State: WI

Complaint narrative:
XX/XX/XXXX at XXXX attempted to withdraw {$200.00} from using my card but received a message on the ATM screen stating amount requested {$200.00} amount dispensed {$0.00}. I called Chime XXXX minutes after I had a notification for {$200.00} being deducted from my account for an ATM withdraw and notified them that it was a non-dispense and asked to file a dispute they told me that these transactions typically resolve themselves to give it some time and call back if it didnt correct itself. XX/XX/XXXX called and filed dispute with Chime. Was told that it does not qualify for a provisional credit of {$200.00} that it does not fall under regulation E that it falls under regulation Z and that it can take up to 90 days to resolve XXXX submitted written dispute details to chime of location of ATM at XXXX XXXX in XXXX, MN and also provided XXXX XXXX and the phone number listed on the ATM. I called XXXX XXXX and they stated they needed my bank to submit a request for the EFT journal to show that it was a non dispense. I called Chime for status updates none of which have been able to provide me with any information pertaining to the dispute other than the investigation team is working XXXX hours a day and 7 days a week and to rest assured that my dispute is being reviewed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 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: NY

Complaint narrative:
I am filing a complaint regarding Chases denial of my unauthorized ATM withdrawal claim. I reported an ATM cash withdrawal that I did not make or authorize. The withdrawal was made on XX/XX/year> at a non-Chase ATM. {$36.00} was withdrawn, and there was a {$3.00} ATM fee. Chase denied my claim and stated that because the transaction was completed using the chip and correct PIN, they consider it authorized. I dispute that conclusion. I was still in possession of my debit card at the time of the transaction. I did not lose the card, and I did not authorize anyone else to use it. I also do not use non-Chase ATMs. In fact, I had already used a Chase ATM earlier that same day. It does not make sense that I would later choose to withdraw cash from a non-Chase ATM and incur unnecessary fees after already accessing my funds through Chase. This transaction was inconsistent with my normal banking behavior. Despite that, Chase denied the claim based on the fact that the chip and PIN were used and noted that there were no mistypes of the PIN. I do not believe that chip usage and correct PIN entry alone are sufficient to prove that I personally authorized the transaction. I was also told that I would need to contact the ATM owner/operator myself to try to obtain documentation or evidence to support my claim. I do not believe that is a reasonable burden to place on a consumer, especially where the ATM may be owned by a third party with no public-facing teller or accessible records. I am concerned that Chase did not conduct a reasonable investigation and instead denied the claim primarily on the assumption that chip plus PIN use automatically means the transaction was authorized. I am requesting that Chase : Reopen and reasonably investigate this unauthorized ATM withdrawal claim Provide the documentation and records relied upon in denying the claim Confirm whether Chase contacted the ATM owner/operator or network to obtain transaction logs, terminal data, or surveillance information Explain why chip and PIN use alone was treated as sufficient proof of authorization This was reported as an unauthorized electronic fund transfer, and I am requesting a proper review under the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
b"RE: FORMAL COMPLAINT FORD MOTOR CREDIT COMPANY XXXX | FDCPA\nVIOLATIONS, PROPERTY DAMAGE BY AUTHORIZED VENDOR, AND\nCOLLECTION MISCONDUCT DURING DISPUTED ACCOUNT\n\nTo the Consumer Financial Protection Bureau:\n\nSUMMARY OF COMPLAINT\n\nFord Motor Credit's authorized repossession vendor damaged my XXXX XXXX XXXX XXXX) on XXXX XXXX XXXX, during a failed repossession attempt. The vendor\nused equipment inappropriate for an all-wheel drive vehicle, struck my car into a\nneighbor's vehicle, and fled. A XXXX XXXX estimate places known damages at\nXXXX with additional costs pending physical inspection.This account is now current Im disputing the XXXX balance against the estimated damages caused.\n\nFollowing this incident, Ford Motor Credit has engaged in the following conduct which I\nbelieve constitutes FDCPA violations and consumer protection violations:\n\nCONTINUED COLLECTION CONTACT ON A DISPUTED ACCOUNT\n\nI formally disputed this account in writing via certified mail sent to three Ford Motor Credit\ncorporate addresses on XXXX XXXX XXXX (tracking numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX). \n\nDespite confirmed\ndelivery and verbal dispute notifications on multiple calls, Ford Motor Credit collections\nrepresentative XXXX explicitly stated on XXXX XXXX XXXX that collection calls will\ncontinue regardless of dispute status. This constitutes continued collection contact on a\nformally disputed account in potential violation of 15 U.S.C. 1692c and 1692e.\n\nPATTERN OF MISREPRESENTATION\n\nFord Motor Credit has provided three different repossession company names across\nmultiple contacts including two that are demonstrably incorrect. The actual vendor was\nXXXX XXXX Providing false information about the identity of their own\nauthorized vendor constitutes misrepresentation in connection with the collection of a\ndebt under 15 U.S.C. 1692e.\n\nFABRICATED DISPUTE RESOLUTION ATTEMPT\n\nRepresentative XXXX claimed to have contacted XXXX XXXX on my behalf\nand returned with a supervisor recommendation to contact police. XXXX is deliberately structured with no reachable customer phone line and does\nnot respond to emails. I believe this contact was fabricated. Representing that a dispute\ninvestigation occurred when it did not is a false representation under 15 U.S.C. 1692e.\nMISSED COMMITMENT AND FAILURE TO RESPOND TO WRITTEN DISPUTE\nRepresentative XXXX committed to a follow-up call by XXXX XXXX XXXX regarding the\nescalated complaint. That call never came. No substantive response has been received\nfrom any Ford Motor Credit executive or corporate office despite certified mail delivery to\nthree addresses over XXXX weeks ago.\n."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Current use Cash App for banking. My old account was locked and I have called for the passed week for my funds to be moved to my new account. I have not been able to access my money in my locked account and I am just told to keep calling back every XXXX hours

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate and fraudulent account being reported on my credit file in connection with XXXX XXXX. This account was previously reported in XX/XX/year> by a different collection agency, XXXX XXXX XXXX, as a XXXX debt. I formally disputed that account at that time, stating that it was not mine. I also provided supporting documentation, including a copy of my drivers license, proof of my address, and a completed fraud affidavit. I further explained that I have never lived at the address associated with the account and have never used the name listed on the account, XXXX XXXX. Despite my dispute and supporting documentation, XXXX failed to provide any proof that the account belonged to me. The account was eventually removed from my credit report by XXXX XXXX XXXX. Now, the same alleged debt has reappeared on my credit report under a different collection agency, Waypoint Resource Group , LLC. This is the same unverified and disputed account, simply transferred to another collector. I have never opened an account with XXXX XXXX. I have never used the name XXXX XXXX, and I do not know who that is. The fact that this account is tied to my Social Security number raises serious concerns of identity theft or mixed file reporting. I have already made every reasonable effort to resolve this matter, including submitting identity verification documents and a fraud affidavit. XXXX has failed to properly investigate or correct this issue and continues to allow third-party collectors to report inaccurate information. This repeated reporting of an unverified and disputed account is a violation of the Fair Credit Reporting Act, which requires that all information reported be accurate and verifiable. I am requesting the following resolution : Immediate deletion of this account from my credit report A full investigation into how this account was linked to my identity Written confirmation that this matter has been permanently resolved and will not be re-reported I expect XXXX XXXX and any associated collection agencies to comply with federal law and cease reporting this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation