vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: FL

Complaint narrative:
On XXXX XXXX XXXX, I rented a vehicle from a car rental company in XXXX, XXXX. During my rental period, a third-party driver backed into the vehicle. I was not at fault and immediately provided the at-fault driver 's full insurance information to the rental company in writing on XX/XX/XXXX. On XX/XX/XXXX, before any insurance settlement was reached, the merchant charged my Bank of America XXXX the full damage amount of {$3600.00}. Simultaneously, the merchant directed their third-party claims handler ( XXXX XXXX XXXX XXXX XXXX pursue payment from the at-fault driver 's insurer ( XXXX ) for the XXXX damages. On XX/XX/XXXX, XXXX issued a check for {$1700.00} payable to XXXX XXXX XXXX for collision damages to the same vehicle. I have the official XXXX payment document confirming this. The {$1700.00} represents the full settlement of {$2200.00} less my {$500.00} deductible. I am now paying the {$500.00} deductible directly to ensure the merchant receives the full settlement amount of {$2200.00}. The merchant accepted this payment without refunding or offsetting my credit card charge. XXXX collected by the merchant for XXXX {$3600.00} damage claim : {$5800.00}, collecting {$2200.00} more than their own stated damages. The merchant 's own representative emailed me on XX/XX/XXXX stating that their main intention was to return my money once the insurance company took care of it. Insurance paid. My money was never returned. I filed a chargeback with Bank of America. It was denied XX/XX/XXXX. I submitted additional evidence including the XXXX payment confirmation on XX/XX/XXXX and requested re-evaluation. It was denied again XX/XX/XXXX. Both denials cite only that the merchant may charge for damages that can not be determined at the time of rental, which does not address double collection at all. Bank of America failed to investigate whether the merchant disclosed the XXXX insurance payment when submitting their chargeback rebuttal. When I contacted XXXX for full settlement documentation, I was told additional documents could only be released to my credit card company upon their request. Bank of America never made that request.

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 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I am filing a complaint regarding my Zales credit card issued by Comenity Bank. I made a single purchase on the account, which I returned in full. Despite this, I was charged {$25.00} in interest. I contacted the issuer and requested a courtesy adjustment, including speaking with a supervisor, but my request was denied. The promotional plan fee associated with the purchase has already been reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am a XXXX active-duty servicemember stationed overseas in XXXX. My mortgage servicer, CMG Financial ( subserviced by XXXX XXXX ), has repeatedly called me by phone despite my written instructions on multiple occasions that I can not accept phone calls without incurring unreimbursed international calling fees, and that all communication must be provided in writing through XXXX 's secure message portal. On XX/XX/XXXX, I submitted a written message through XXXX 's portal explicitly stating that I do not receive reimbursement for international calling fees and requesting written communication only. I reiterated this instruction again in a written message on XX/XX/XXXX. Despite this, a XXXX representative named XXXX called me at XXXX ( XXXX ) XXXX on XX/XX/XXXX at approximately XXXX PM CET. The call lasted approximately XXXX seconds, during which I again informed the representative that I incur international calling fees and can not accept phone calls. My mobile carrier, XXXX, charges a {$3.00} per-minute minimum for international calls, resulting in a {$3.00} charge I can not recover. This is not an isolated incident. XXXX has engaged in a pattern of placing phone calls to me after repeated written requests to the contrary. I have filed over XXXX CFPB complaints against CMG Financial and XXXX XXXX since XX/XX/XXXX regarding a range of servicing violations on my XXXX loan. XXXX 's continued disregard of my written communication instructions, despite this documented history, is retaliatory in nature and prejudicial to my rights as a servicemember under the Servicemembers Civil Relief Act, 50 U.S.C. 3901 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: WV

Complaint narrative:
I was charged a {$15.00} insufficient funds fee by Self Financial due to a timing issue during bank processing, despite having sufficient funds available in my account. This was not a true insufficient funds situation. I contacted Self Financial directly through their support chat and requested a courtesy reversal. They acknowledged the issue was related to timing but refused to reverse the fee, stating the transaction was settled. The fee was charged by Self Financials system, not my bank. I believe this fee is unfair and does not reflect my actual account balance at the time of the transaction. I am requesting a refund of the {$15.00} fee and a proper review of how this fee was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CreditNinja Lending, LLC
State: IN

Complaint narrative:
I called and spoke with rep. I asked for their address. She gave me an address thats fake. She said would send email verification did not do. They should not do business this way. Is online loan but must take out of bank account. I called bank and used stop pymnt order. I want a paper bill and she said would send and said would send verification. She did not. Do not fall for an online loan!

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/year>, I sent a payment via Wise to a vendor. The transfer shows as paid out, but the recipient has not received the funds. It has now been nearly XXXX months since the transfer was sent. The funds have not been returned to me and have not been received by the recipient. I have contacted Wise multiple times requesting a trace investigation and confirmation of where the funds were delivered. Wise has not provided proof of delivery to the recipients bank or a clear status of the funds. Instead, Wise has repeatedly instructed me to obtain confirmation or bank statements from the recipients bank, which is not my account and not under my control. This has delayed resolution and shifted responsibility away from Wise. The recipient has confirmed they have not received the payment, and their bank has not credited the funds. The funds are currently unaccounted for. I am requesting that Wise either : Provide documented proof of delivery to the recipient bank, including date and receiving institution, or Return the funds to me immediately. Transaction reference : XXXX Date sent : XX/XX/year> Recipient bank : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am filing this complaint to report gross security negligence and repeated violations of the Fair Credit Billing Act ( XXXX ) by Goldman Sachs Bank USA. The banks failure to secure my account after a reported theft in XXXX allowed over {$1500.00} in fraudulent charges to occur, and their current " resolution '' process has resulted in the improper diversion of my funds. 1. Prolonged Failure to Secure Account ( XXXX Negligence ) On XX/XX/XXXX, I contacted Apple Card support to report that my card was stolen/compromised. I explicitly requested that the account be secured. In a direct violation of standard banking security protocols, Goldman Sachs refused to issue a new virtual card number, instructing me only to " lock '' the card. This failure to rotate my credentials left my account vulnerable for over a year, directly enabling the systematic fraud that followed. 2. Failure of Fraud Detection ( Automated Cluster Attacks ) The fraudulent activity consisted of highly irregular, repetitive " cluster '' charges that should have been blocked by any basic fraud algorithm. For example : XX/XX/XXXX : 4 identical charges of {$24.00} in one day. XX/XX/XXXX : 4 identical charges of {$24.00} in one day. XX/XX/XXXX - XX/XX/XXXX : Over 15 identical charges of {$24.00} within a single week. Despite these nearly 25 identical charges from the same vendor, Goldman Sachs failed to flag or block the transactions. I submitted a comprehensive formal dispute for these and other charges on XX/XX/XXXX. 3. Improper Handling of {$1400.00} Credit Balance After my XX/XX/XXXX dispute, an agent informed me the case was " Closed in my favor, '' and a credit balance of approximately {$1400.00} was issued. However, when I requested a refund of this balance, Goldman Sachs removed the money. Support agents later claimed the funds were " refunded back to the vendors. '' The bank took funds they had adjudicated as fraudulent and returned them to the unauthorized parties, rather than the victim. 4. Request for Regulatory Intervention Bank representatives continue to provide contradictory information ; one agent claimed the previous " favorable '' ruling was an error, while others claim the cases have been " re-opened. '' Given that Goldman Sachs was recently fined {$89.00} XXXX by the CFPB specifically for mishandling Apple Card disputes and failing to follow federal investigation requirements, I have no confidence in their internal process. I require assistance to recover my {$1400.00} credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a serious escrow mismanagement issue by my mortgage servicer Service Mac. My mortgage company paid property taxes from my escrow account using an incorrect parcel number, resulting in payment being applied to another property. As a result, my actual property taxes in XXXX XXXX, Texas remain unpaid and are now delinquent, with penalties and interest continuing to accrue. This issue has been under investigation for over three months, with no resolution. During this time : My tax account has become delinquent Additional fees and penalties are accumulating I have not received a clear resolution timeline or written confirmation of corrective action This situation is a direct result of my mortgage servicers error and failure to properly manage my escrow account. I am requesting the following immediate actions : 1. Payment of my correct property taxes to XXXX XXXX using the correct parcel number 2. Full reimbursement of all penalties, interest, and any related fees caused by this error 3. Written confirmation that the issue has been fully resolved 4. Assurance that my credit will not be negatively impacted due to this error I have made multiple attempts to resolve this directly with my mortgage company, but they have failed to correct the issue in a timely manner. This matter is urgent and requires immediate resolution. Sincerely, XXXX XXXX & XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This debt collector has engaged in unjustifiable practices that are prohibited under the FDCPA. They furnished this account without any agreement on my part, and I did not sign or authorize any contract. A legally binding contract requires the consent and signature of both parties, and I did not participate in or agree to any such obligation. Furthermore, they failed to follow the proper validation procedures required by law. As a result of these violations, my rights have been clearly disregarded and abused. Under the FDCPA, I am entitled to compensation for these violations, and I am formally demanding that this account be removed immediately. Additionally, this situation has caused me significant emotional and mental XXXX, as it has negatively impacted my financial well-being and peace of mind. The XXXX and XXXX resulting from this matter are unacceptable, and I expect a prompt and thorough resolution. This issue must be addressed and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am submitting this complaint regarding a credit card account that was opened in my name without my knowledge, authorization, or consent. I did not apply for this account, I did not authorize any person to apply on my behalf, and I have never received or used a credit card associated with this account. Because I did not open or authorize this account, I believe it is the result of identity theft and fraudulent activity. This account has appeared on my credit report and/or has been reported to me by the creditor. I immediately disputed the account once I became aware of it and informed the creditor and/or the credit reporting agencies that the account is fraudulent. Despite this notification, the issue has not been fully resolved. I have taken protective measures to prevent further fraud, including placing a security freeze on my credit reports with the nationwide credit reporting agencies. I am also reporting this matter as identity theft and fraud through the Federal Trade Commission. Under the Fair Credit Reporting Act ( FCRA ) and applicable federal identity theft protections, I am requesting that the creditor conduct a thorough investigation of this fraudulent account, permanently close the account, remove all associated balances and activity, and delete any reporting related to this account from all credit reporting agencies. Because this account was not opened by me, I am not responsible for any charges, balances, fees, or other obligations associated with it. Any attempt to hold me responsible for this fraudulent account would be improper. I am requesting written confirmation that the investigation has been completed and that the account has been removed or corrected accordingly. I also request confirmation that no negative reporting related to this account will remain on my credit file. I certify that I did not open or authorize this credit card account and that the information provided in this complaint is accurate to the best of my knowledge. I appreciate the CFPBs assistance in ensuring that this matter is properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: OH

Complaint narrative:
I received a response from Plaza services, however, I have never had an account with XXXX or received any documentation from Plaza/Lendly. This is fraud and needs to be removed asap. I never electronically signed any documentation. My credit report was on alert because my information was compromised at the time of this account being opened. I never received any documentation, funds or communication from this company. Please remove yourselves asap as this is fraud, I will also reach out to the FTC immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America notified me that it was closing my business checking account that had been open since XXXX. No specific reason was provided beyond a vague reference to an alleged violation of the Deposit Agreement. Bank of America has refused to provide any factual basis or evidence for this allegation. On XX/XX/XXXX, Bank of America issued and mailed a cashiers check ( check number XXXX ) in the amount of {$38000.00}, representing the remaining balance of my business checking account. On XX/XX/XXXX, I presented this cashiers check in person at a Bank of America financial center located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I provided valid identification and requested payment. Branch staff and the branch manager refused to honor the check, citing a purported {$4000.00} check-cashing limit for non-customers. Since that date, I have attempted to negotiate this cashiers check at three separate Bank of America financial centers. Each location has refused to honor the check for the same reason. This is not a third-party check. This is a cashiers check issued by Bank of America itself , drawn on Bank of Americas own funds. I am the named payee and can fully verify my identity. Bank of Americas internal non-customer cashing limits do not extinguish its obligation to honor its own instrument. Under UCC 3-412, the issuer of a cashiers check is obligated to pay the instrument according to its terms to the person entitled to enforce it. Bank of America has refused to do so while providing no reasonable alternative method for payment. Instead, I have been repeatedly told to open an account at another bank. This does not resolve the issue and does not address Bank of Americas obligation to honor its own cashiers check. The business has since been dissolved, and in any case, the banks obligation to honor its instrument is not contingent on my ability to open new accounts elsewhere. In XX/XX/XXXX the original cashiers check was no longer valid because " void after 90 days ''. I went to the bank of America branch in person again on XX/XX/XXXX and they told me they would make a request to have a stop payment placed that way the cashiers check could be reissued. They told me to call bank of america after 3-5 business days for an update on this request. On XX/XX/XXXX I called bank of america to get an update on the request just to be informed that my request had not made any process whatsoever. No approval or rejection of my request well after the timeline of 3-5 business days.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Chainlink Services LLC
State: VA

Complaint narrative:
I am filing a complaint against Chainlink Services LLC. I have never received any written notice regarding this alleged debt. The only contact I received was a phone call from a representative who spoke in an abusive and aggressive tone. During the call, the representative repeatedly asked if I wanted to resolve the matter voluntarily. When I requested more information about the alleged debt, including details and written validation, she became hostile, screamed that I would be marked as not willing to voluntarily resolve, and then hung up the call. I dispute this alleged debt and request written validation. I also request that all future communications be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I was part of a program that completely shut down and went XXXX. There is no form of contacting the school to get a refund started with the loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have spoken with Wells Fargo approximately XXXX times over the last month regarding documents needed by my XXXX Administrator, XXXX XXXX XXXX. Each time, a representative has said they will either email or fax the documents, and each time I have called the XXXX administrator to confirm they received the documents, I was told that they did not receive them. XXXX times, I have gotten a Wells Fargo representative and a representative from XXXX XXXXXXXX XXXX on a conference call to verify the information is sent over. XXXX time I even had a supervisor from Wells Fargo confirm with a supervisor from XXXX XXXXXXXX XXXX that they received the documents. To rectify the issue, I have asked to receive the documents so I can ensure their delivery. However, I have not even been emailed the documents. This is for a claim that was opened XX/XX/year>. I did not hear anything regarding the claim from either party, Wells Fargo or the XXXXXXXX Administrator, during XXXX and XXXX, so I have been proactively trying to get traction on the process beginning the end of XXXX. It is now XX/XX/XXXX and neither I nor the XXXX administrator, XXXX XXXX XXXX have received the requested documents from Wells Fargo.

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