vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: WV

Complaint narrative:
I am a resident of West Virginia and I am filing this complaint against CreditFresh and its partner institution XXXX XXXX regarding a predatory line of credit issued on XX/XX/year> with a credit limit of {$3700.00}. Nature of the Problem CreditFresh, operating through XXXX XXXX as a rent-a-bank arrangement, issued me a line of credit with a fee structure that constitutes a grossly usurious effective annual percentage rate well in excess of XXXX XXXX legal usury cap of 31 % for consumer loans. The fee structure, as documented in the Truth in Lending Statement provided at origination, charges a flat Billing Cycle Charge every 14 days based on the outstanding principal balance. At my balance tier of {$3500.00} {$3700.00}, the fee was {$210.00} every 14 days. This equates to approximately {$210.00} 26 billing cycles = {$5500.00} per year in fees alone on a {$3700.00} principal an effective APR of approximately 148 %, nearly five times XXXX XXXX legal limit. Key Facts Origination date : XX/XX/year> Credit limit / original principal : {$3700.00} Billing cycle : 14 days ( non-monthly ) Fee per cycle at my balance tier : {$210.00} Mandatory principal contribution per cycle : Only {$37.00} ( approximately 1 % of balance ) Total fees paid before charge-off : Over {$1300.00} Balance at last statement ( XX/XX/year> ) : {$4100.00} higher than the original {$3700.00} credit limit despite making multiple biweekly payments Year-to-date billing cycle charges ( 2025 ) : {$1200.00} per the XXXX statement Despite making multiple required biweekly payments, the balance grew above the original credit limit due to fees consuming the vast majority of each payment. The {$210.00} fee represented approximately 85 % of the {$250.00} minimum payment, with only {$37.00} going toward principal reduction. Rent-a-Bank Concern The loan agreement explicitly states it is governed by Kansas law ( Section 26 ), despite me being a West Virginia resident . The agreement acknowledges XXXX XXXX as the nominal lender while CreditFresh operates the platform, services the loan, and collects payments. This structure appears designed specifically to evade XXXX XXXX consumer protection laws by using a federally chartered bank as a pass-through. Under the true lender doctrine, CreditFresh not XXXX XXXX is the true lender, and XXXX XXXX usury laws should apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have sent a previous dispute for myXX/XX/XXXXXXXX. I still can not get ahold of a decision maker after several attempts. The people I get are overseas and really don't care. The back balance is a little over {$1000.00}. I am trying to work out payment plan to bring down the balance of {$1000.00} behind. I am XXXX due to XXXX, I cant drive and don't do well under stress. If they would like to verify my medical information i would be happy to show. If this isn't settled quickly Ally would lose a lot of money at an auction and I would fight the difference due to lack of proper response .I feel someone could at least contact me at XXXX to try to work out. Or email me a contact XX/XX/XXXX XXXX This is very unfair and costing me at the repossession storage facility. I want to make sure they are not discriminating since I told them about my XXXX. Thank You 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 explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Spoke with the company Harris and Harris multiple times on XX/XX/scrub> 2026 and repeatedly asked if we settled the amount if they would delete it off my credit report as I'm in the process of purchasing a house the told yes multiple times if I agreed to pay the settlement amount I paid the amount and they reported that we settled the account but never deleted account from my profile now they are telling me they never agreed to that and wont delete the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
b'Subject: URGENT APPEAL: Denied Fraud Claim XXXX - Account ending in XXXXTo the Bank of America Fraud Department,\nI am writing to formally appeal the denial of my recent fraud claim regarding several unauthorized XXXX transactions totaling $XXXX. I strongly disagree with the decision to deny this claim, as I did not authorize, participate in, or benefit from these purchases.\nEvidence of Compromise and Phishing:\nAs documented in the attached screenshots XXXX XXXX I was the victim of a sophisticated phishing scam impersonating XXXX XXXX crochet kits. While attempting a legitimate purchase for my 12-year-old daughter, my credit card information was harvested by a fraudulent site and immediately used for unauthorized XXXX charges.\nBasis for Appeal and Investigative Directives:\nInconsistent Spending Patterns: I have been a loyal Bank of America customer for 31 years. In three decades, I have rarely, if ever, made purchases on XXXX. These high-value, rapid-fire charges (as seen in XXXX are entirely inconsistent with my historical spending.\nLack of Receipt/Benefit: I have received no merchandise or services related to these charges. Furthermore, these transactions do not appear in my personal XXXX account history.\nVerification Request: I request that Bank of America contact XXXX to verify the shipping address and recipient for these orders. You will find that these items were not sent to my address and were not purchased by me.\nBanking Relationship and Intent:\nBetween my Bank of America accounts and MXXXX XXXX I maintain a balance of nearly XXXX. I find the summary denial of this clear case of identity theftgiven my tenure and the assets I have entrusted to this institutionto be completely unacceptable.\nFinal Notice:\nI request that this claim be adjudicated and reversed immediately. Please consider this my final notice: if this matter is not resolved swiftly and to my satisfaction, I will be forced to terminate my entire 31-year banking relationship. I am prepared to close all of my accounts and move my total assets to another institution that provides better protection for its long-term clients.\nI am also prepared to file a formal report with the Consumer Financial Protection Bureau (CFPB) and the FTC if this is not resolved within 5 business days. I expect a senior manager to reach out and respond promptly.\nSincerely,XXXX XXXX XXXX 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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am reporting unsafe and unsound banking practices by Bank of America regarding the misapplication of customer payments and XX/XX/XXXX of transaction statuses. Specific Incident Details : Date of Fund Receipt : XX/XX/scrub> 2026 Amount : {$3100.00} Originator : XXXX Bank ( ACH Debit ) Reference Number : WEB ID : XXXX The Violation : Bank of America has received cleared funds from my external bank account as of XX/XX/year>2026. However, instead of posting this payment to my credit card account to reduce the outstanding balance, BOA has improperly classified a completed bank transfer as a " Temporary Authorization '' ( Temp Auth ). Unsafe Practices : Misclassification of Transactions : BOA is applying merchant-style " Temp Auth '' holds to completed inter-bank ACH transfers. This is operationally unsound and violates standard XXXX operating rules regarding the timely settlement of entries. Unjust Enrichment : By holding the funds in a " pending '' limbo for more than XXXX business days, BOA is effectively holding my money hostageearning interest on the float while continuing to charge me interest on the credit card balance. Resolution Requested : I request the OCCinvestigate BOA 's payment posting algorithms and manual review processes. I demand that BOA be ordered to immediately correct my account balance to reflect the XX/XX/XXXX payment date and reimburse all unauthorized fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
They lowered my credit limit without cause using made up reasons. My income last year temporarily tanked due to XXXX XXXX XXXX. Nonetheless, I made all payments on time and over the minimum required due to my reserve emergency account. Additionally, I am back to full time work, my income will actually be higher this year and by the end of XXXX I will have already paid back {$10000.00} in credit card debt. They refused to reverse their decision which was arbitrary and capricious. Their actions also caused my credit score to get worse by increasing my ratio of debt to available credit. Two other cards did the same thing at the same time, causing a cascading lowering of my credit score even though I met all my obligations. I will be complaining about hem as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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:
On XX/XX/XXXX, i went into chase branch on XXXX XXXX XXXX ( XXXX ) I opened a checking account/savings account for my new Corporation XXXX consulting corpat this time the banker told me to season my account which i deposited {$2000.00} at this time.. i was told id be receiving my my new debit card for this account via mail in XXXX daysDuring this time in which i still had not received my new debit card, on XX/XX/XXXX XX/XX/XXXXXXXX someone went to chase branch XX/XX/XXXXXXXX XXXX in XXXX Nj and withdrew XXXX {$200.00} {$200.00} $ & then {$1400.00} in XXXX successful atm withdrawals with this card I had never receivedthat Monday i called chase and reported the fraud, followed up with a visit to the same breach i opened the account with .. They denied my claim, and told me i need to follow a police report, which i then went to the local XXXX pct to file a police reportI was told to upload police report to the chase mobile apponce again the claim was deniedChase is stating that the charges were authorized and theres nothing they can do on their end, and for me to have it resolved by law enforcement THIS IS TOTALLY UNACCEPTABLE, how can i be responsible for such nonsense, when i never even received new card via mail .. PLEASE HELP resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
on XXXX XX/XX/year> at approximately XXXX to XXXX, i was contacted by a person claiming to be a fraud agent from chime bank, the individual informed me that there was suspicious activity on my account and that my account had been compromised. They told me they needed to secure my account and asked me to verify my information. Believing that i was speaking with a legitimate representative from chime, i provided my email address, phone number, account password, debit card information and the verification code sent to my phone. I later discovered that the person was not a legitimate chime representative and that unauthorized transaction had been made from my account without my permission. The total unauthorized amount is {$1800.00}. i did not authorize these transactions and did not give anyone permission to access or withdraw money from my account. I believe i was the victim of a fraud and scam. after discovering the fraud, I contacted chime to report the incident and chime gave me a claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC, for attempting to collect a debt that is not mine. I became aware of this alleged debt when the company contacted me on or about XX/XX/XXXX regarding an account I do not recognize. I immediately informed them that I have never applied for, opened, or authorized any such account. Since then, I have disputed this debt multiple times and requested proper validation, specifically a signed contract or any document bearing my signature that proves I authorized this account. The company has failed and/or refused to provide such documentation. Instead, they continue to claim that the debt is mine, stating that my Social Security Number is associated with the account. However, the presence of a Social Security Number does NOT establish that I opened or authorized this account. This is consistent with potential identity theft and does not constitute legal proof of liability. As of today, the company has not provided :XX/XX/XXXXAny signed agreement XX/XX/XXXX Any proof of my authorization XX/XX/XXXX Any verifiable evidence that I am responsible for this debt Despite this, they continue attempting to collect. On or about XX/XX/XXXX, I again requested validation and clearly stated that I would not pay any alleged debt without proof bearing my signature. The company has not complied. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), as they are attempting to collect a debt without providing proper validation. I am requesting that : XX/XX/XXXX All collection activity immediately stops XX/XX/XXXX The company provides proper validation, including a signed contract, or XX/XX/XXXXThe account will be removed entirely if it can not be verified Additionally, this matter should be investigated as potential identity theft. I am prepared to pursue further action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
So, I'm XX/XX/XXXX and after hurricane XXXX hit, my work practically disappeared. I was on a forbearance plan and was in the process of a repayment plan loan modification where I had to make XXXX payments and they'd work out a payment plan on the amount that I owed for the forbearance period so I wouldnt have XXXX large payment due but it could be split through out the loan. I made theXX/XX/XXXX payment and the XX/XX/XXXX in XXXX and while I was on this call I was asked to sign up for an automated payment for my last I scheduled on a call the same time I made my XXXX payment. My last payment was supposed to be auto drafted out of my account XX/XX/XXXX. However, when the following month, which was XXXX rolled around I noticed the money was still in my account so I called and asked them what the deal was because I wanted to make sure that I didn't miss that Payment and they said that their representative had canceled the same day that they scheduled it because there wasn't allowed to do auto draft payment on payments that are being used for this type of assistance. I wasnt informed of nor did I approve this cancellation. As far as I knew according my last correspondence with them it was taken care of untill XXXX rolled around and I seen the money was still in the account. They let me make a payment on the phone on XX/XX/XXXX. During that call I got a confirmation number, for confirmation again I called back XXXX days later just to make sure that everything was good. They told me I was good to go and then I got a letter in the mail saying that they canceled my Assistance and went straight into foreclosure because of lack of payments, even though I tried XXXX times to make the payment and originally my payment shouldve been taken from my account automatically in XXXX or if Id known when it was cancelled I couldve had time to process it. I dont know why the payment on the XXXX was returned because it left my account but was returned several days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
On XX/XX/XXXX, a charge of {$790.00} was posted to my credit card account from a third-party travel booking service. The charge appeared to be associated with XXXX XXXX at the time of purchase ; however, XXXX XXXX later confirmed in writing that the charge was not processed by them and originated from a third-party agency. On XX/XX/XXXX, the merchant provided written confirmation stating that a full refund of {$790.00} had been successfully processed, with an expected refund date of XX/XX/XXXX. No refund has ever been credited to my account. Barclays opened a dispute on XX/XX/XXXX and closed it on XX/XX/XXXX. On XX/XX/XXXX, I participated in a XXXXway call with Barclays and the merchant, during which the merchant confirmed that a refund would be issued. Barclays was present on this call. I submitted a request to reopen the dispute with supporting documentation, which was mailed on XX/XX/XXXX. At Barclays suggestion, I also faxed the same documentation on XX/XX/XXXX. I was later informed that the mailed request was not received and that the fax submitted on XX/XX/XXXX was not logged as received until XX/XX/XXXX. Barclays has stated that no further action can be taken because the dispute is outside of the applicable timeframe. The matter has been evaluated based on the original transaction date rather than the confirmed refund and the fact that no refund was received. The merchant confirmed that the refund was successfully processed, but no corresponding credit has been received or verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
This is not a financial hardship issue. This is a payment processing and servicing error that is preventing me from making a payment. Few days before XX/XX/year>, I contacted XXXX in advance of my bi-weekly mortgage payment to inform them that funds would be available on XX/XX/XXXX. I asked how to handle this timing and was advised that multiple draft attempts would be made over the following several business days. On XX/XX/XXXX, a bi-weekly draft attempt was made, which did not clear as expected due to timing. However, on XX/XX/XXXX, XXXX initiated a second draft for the full monthly payment amount instead of the bi-weekly amount I had set up. After these attempts, SoFi placed a restriction on my account requiring all payments to be made by certified funds ( cashiers check or money order ). I was previously informed that such a restriction would only occur after three failed payment attempts, but it was applied after only two attempts, one of which was for an incorrect amount. I have since contacted SoFi multiple times and submitted written communication stating that I am willing and able to make a good-faith payment in the correct bi-weekly amount. However, SoFi is refusing to accept any payment method other than a full monthly payment via cashiers check, which I am currently unable to provide. As a result, I am being prevented from making a reasonable payment and am at risk of becoming delinquent due to SoFis incorrect processing and inconsistent guidance. I am requesting that SoFi : 1. Remove the payment restriction 2. Allow me to make a standard payment to bring the account current 3. Reverse a ny fees associated with this issue 4. Confirm that no negative credit reporting will occur as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
They cancelled my credit card without cause using made up reasons. My income last year temporarily tanked due to emergency eye surgeries. Nonetheless, I made all payments on time and over the minimum required due to my reserve emergency account. Additionally, I am back to full time work, my income will actually be higher this year and by the end of XXXX I will have already paid back {$10000.00} in credit card debt. They refused to reverse their decision which was arbitrary and capricious. Their actions also caused my credit score to get worse by increasing my ratio of debt to available credit. Two other cards did the same thing at the same time, causing a cascading lowering of my credit score even though I met all my obligations. I will be complaining about hem as well.

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