vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank took an application for a business card from me knowing that I would be declined. They require 2 years of history with them in terms of checking/savings relationship and I opened the account the same month that I applied for the credit card. They should have been transparent before running my credit. I'm requesting that they remove the hard inquiry but they are saying I don't qualify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/year>, I opened a savings account with Marcus bank by transferring money from my XXXX account. The account was funded the next day from XXXX. Since I transferred all of my money from XXXX to Marcus, I closed my XXXX account the next week. Fast forward 5 weeks to XX/XX/year>, and I tried to transfer some of the money to my brokerage account at XXXX. The transfer was through XXXX and went through since my name was the same on both accounts. The next day XXXX reversed the transfer with no explanation. They sent an email simply stating the transfer was denied and to call if I had questions. When I called, they said they had " no idea '' why the transfer was denied. After requesting a manager, the manager told me the transfer was denied because they needed to first confirm that my account with XXXX was closed. My account that transferred and settled the money with them 5 weeks earlier. I asked how that made any sense and they said they " didn't know '' it was " just what the system wanted. '' They then called XXXX on the phone and conferenced me in. XXXX refused to speak to them with me on the line and said they had to call back without me on the line. The Marcus rep said, " Since when? '' And the XXXX rep hung up on us. This is a ridiculous and illegal process that is keeping me from accessing my own money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I revived my first message from AllianceOne XXXX Collector for my XXXX XXXX account XX/XX/XXXX. Ive reached out to them about 5 times since then requesting that they send valid information in writing stating I owe a debt. I intially verbally said I am disputing the validity of the debt, please send me something in writing, the representative informed me I can not dispute the debt in her own literal words. Not a single word added. I was extremely furious and hung up the phone. Calls can be pulled if need be. I called back a few days later because XXXX ( the company I switched to ) will not send me a rebate unless I have a document showing the amount owed to XXXX XXXX. Thats fine. I have attempted on numerous occasions since the first call to receive something in writing with detail for XXXX to pay XXXX their money. XXXX XXXX statements did not provide detail. So then I called AllianceOne back. The only thing they said they could provide me is my account number and to look online for this information. The information on line has no detail whatsoever, it just shows the balance and how I can pay. 0 details at all. When I reached back out again today for the XXXX time ( XX/XX/XXXX ), they stated they sent me mail on XX/XX/XXXX to my home address. I have not received the mail yet. Ive confirmed the address numerous times. They stated that they do not send anymore letters out once they sent the initial letter. Well if I did not receive the letter, how can I verify I have to pay AllianceOne? I spoke to a supervisor, she said the same thing. I told them I can not pay them anything because it is XXXX responsibility to pay off my XXXX lines as stated in my service contract but they can not without VERIFICATION OF THE DEBT. XXXX said they will not pay anything they do not have itemized or in writing on paper. Ive made this clear on numerous calls to AllianceOne. AllianceOne apparently does not resend any mail, nor allows you to dispute the debt ( which is illegal ), nor will send you a validation of debt packet like normal debt collectors will ; nor does their online portal provide any option to print a PDF of this amount. XXXX is refusing to pay them based on their negligence and refusal to send me paperwork, thus making it impossible for the debt to be paid. Which will lead to them suing me. AllianceOne Debt Collector obviously practices predatory collection practices. Intentionally saying that you can not dispute the debt to me nor will they send you any paperwork at your request is direct violations of my consumer rights. Direct violations of U.S. Code 15 U.S.C. 1692e ( 8 ), and 15 U.S.C. 1692f. Below in the attached field is the only form of validation I was told I can have if I did not receive mail, and in their own words they do not resend mail once the initial letter is sent. Illegitimate collection practice there certainly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have been a Wells Fargo customer for my personal and business accounts since approximately XXXX. In XXXX, there were duplicate charges being made against my account each and every month from XXXX XXXX, three in fact for different amounts. There were also fraudulent charges for a company called XXXX I had never heard of. I brought these to the attention of the fraud department. I noted the charges were {$7.00}, {$9.00} and {$10.00} each and every month being paid to XXXX XXXX without authorization. No one ever questioned the triple amounts being paid to that third party out of my account. I am a very busy hard working XXXX XXXX working for two universities. Wells Fargo said they were sending me a new debit card. However, the next day a woman called me from Wells Fargo at XXXX and told me that they were not going to give me another debit card for ONE YEAR. My access to my funds was being shut off! Without a debit card, I would have to go to the bank to use checks, extract cash, or do all of my banking online. This makes it impossible to get gas, go to the grocery store with my debit card, pay online companies like XXXX on subscriptions that I owe and promised to pay with my debit card. This affects my PERSONAL and BUSINESS credit! They said they would review the matter if I went to my branch. The branch escalated my complaint. I was told the debit card sent would be shut off so don't bother trying to use that. They told me I would have a response by XX/XX/XXXX, FOUR WEEKS LATER ( while I had to rely on my credit card paying INTEREST due to Wells Fargo failure to police fraud! ) I am not a criminal in this matter, I am a victim ... and now Wells Fargo emailed me and told me they need another four more weeks to review this matter!!! So EIGHT WEEKS of delays are being caused by Wells Fargo given their own failure to act as my FIDUCIARY and to safeguard my accounts from FRAUD. All of my clients banking history is on my business account which I can not transfer to another bank! Wells Fargo told me they were going to 'debank me " so I was free to go to another bank " if I choose to '' ... that is INSANE and not the way longstanding customers should be treated. This is RUINING my credit!

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America ( BoA ) have a promotional offer for their XXXX XXXX XXXX visa Infinite card that promotes " a Limited-time online offer : XXXX bonus points + a 50 % flight discount code. '' I applied and was recently approved for this card and subsequently learned that they had not disclose the incredibly restrictive rules around the 50 % flight coupon which include : Discount can not be used on flights before XXXX. Discount code must be used by XXXX. Flights must be completed by XXXX. Other black outs exist including fare class, destination, code share. In effect this code is only good for a three month window, not every flight or seat in that window and most importantly, that window doesn't open immediately but rather opens in over four months. The combination of these factors renders the discount pretty much useless. There is no way I would have applied for this card had i know these incredibly restrictive conditions. Worse, they market strongly that this is a premium card with premium benefits and price it accordingly.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year>, Chime performed an unauthorized {$300.00} sweep from my Checking account to my Credit Builder account via its " Split My Pay '' feature. The source was a standard XXXXACH transfer ( labeled " XXXX XXXX XXXX, XXXX '' ). Per Chime 's own Terms of Service, " Split My Pay '' applies only to " Qualifying Direct Deposits. '' Standard ACH and XXXX transfers are explicitly excluded. I attempted to resolve this through seven separate conversations with Tier 1 and Tier 2 support, totaling over two hours. During these interactions : I was hung up on twice by support staff while trying to initiate a dispute. A supervisor explicitly, and erroneously, claimed that Chime is a " tech platform '' and therefore exempt from Regulation E requirements. Chime refused to reverse the funds because of a " pending '' XXXX transaction on the Credit Builder card, despite me providing proof that the XXXX transaction was cancelled ( XXXX ). In a written response on XX/XX/year>, Chime 's " interact '' compliance team admitted the deposit was an " ACH deposit '' but erroneously claimed this classifies it as a Direct Deposit to justify the sweep. This is a bad-faith reinterpretation of banking SEC codes ( XXXX XXXX XXXX ) to avoid admitting a processing error. This incident has caused undue hardship as these funds are significant and represent a large portion of my monthly TANF subsistence income.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a credit reporting accuracy dispute under the Fair Credit Reporting Act and a follow-up to CFPB XXXX # XXXX. I previously disputed a Citibank secured credit card account regarding the application of my {$1000.00} security deposit and the accuracy of a remaining balance of {$260.00}. In their response, Citibank stated that the {$1000.00} security deposit was applied to my account in XX/XX/year>. However, they failed to provide a clear and itemized accounting showing how the remaining balance of {$260.00} was calculated after applying the deposit. I specifically requested a detailed breakdown including : - The full account balance prior to application of the {$1000.00} deposit - All transactions, interest charges, and fees assessed - The exact application of the {$1000.00} deposit ( including date and allocation ) - A clear calculation showing how the remaining balance was derived Citibank did not provide this information. Instead, they referenced prior statements without clearly demonstrating how the deposit was applied or how the remaining balance was calculated. Without a complete and verifiable accounting, the accuracy of the reported balance can not be confirmed. I am formally disputing the accuracy of the {$260.00} balance and the associated credit reporting. If Citibank can not provide a complete and itemized accounting supporting this balance, I request that the account be corrected to reflect a {$0.00} balance and that any negative reporting associated with this account be removed from my credit file. 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

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

Company 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 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have been in my home for 25 years over this 25 years. We have fallen behind on payments and XXXX XXXX option one PHH and now called Onity has always just called and moved payments to the back. Didnt explain really what was going on and now when you need a modification or a repayment plan, they are refusing to help. I had a repayment plan set up a hacking of my checking account occurred and without them even notifying me that a payment was returned. They just canceled my payment plan. Ive been dealing with this for about two years now they send me things to fill out. They contact me you talk to him. They advise you to go online and fill out the mortgage assistance and then when it comes time to talk to your relationship manager, they call back and they refuse to do anything. We can easily make our house payments. Ive offered to make payment in half two payments a month to get us caught up I actually have hired a couple companies to help me work with them. They charged me large amounts of money. Had me go file bankruptcy assuring me that they could get them to work with me and now the US federal bankruptcy court is looking into those companies. They have copies of my conversations back-and-forth with the mortgage company. I have kept copies of them. They sent me early intervention asked me to do the mortgage assistance when I go on to fill out the mortgage assistance I get so far and it says I have to call him. They have to take financials over the phone and just this past week they flat refuse to take the financials. All they want is a full reinstatement. There has to be some way to get them to work with us without taking our home I cant get to the lender when you talk to somebody on the phone. They tell us they want to help us. They want to see us stay in our home. They will do whatever they can do for Us. And then they have the relationship manager call you when they are still rolling so Im waiting to hear back from the United States federal bankruptcy court as they are investigating, but Im hoping that you can give us some information or help to get this company to work with us to stop the foreclosure of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am submitting a complaint regarding BMO Harris Banks handling of a {$2000.00} transaction on my account that I have reported as unauthorized and/or obtained through deception. Date of transaction XX/XX/year>. While traveling internationally, my card was used at a point-of-sale terminal under circumstances that were misleading and appear to involve a fraudulent or compromised merchant. I did not knowingly authorize a {$2000.00} charge, and the amount was either not properly disclosed or was manipulated at the time of the transaction. BMO Harris Bank has denied my claim and instructed me to resolve the issue directly with the merchant. This is not a reasonable expectation. The merchant appears to be illegitimate or unreachable, and no valid contact information or receipt was provided. Requiring me to work with a potentially fraudulent entity defeats the purpose of consumer protections.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XXXX XX/XX/year> I tried to access my Coinbase account. If I had a pass key it is gone. There is no account recovery option other than to upload my ID with a live picture. There is no upload picture option so I can not do this on my computer. When I try on my phone the app takes a very blurry picture. This is the only app that does this. Any other picture I take is fine but of course I can't upload that. After trying numerous times it will let me upload the blurry picture but then it wants access to the microphone. There is no legal regulation that I'm aware of that requires me to give microphone access to a company in order to get access to my money even if the microphone did work. I've already verified all of this before when I signed up for the account. I found online that many other people are having this problem. Coinbase is locking us out of our account and blaming government regulations for using ineffective and intrusive " security '' practices. I just want access to my account so I can remove my money and cancel it at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had an account with Chime Financial that was closed early last week. At time of closure I had {$400.00} in the account. Chime is withholding those funds, has not sent them to the appropriate account as I requested. They have stolen {$400.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I refinanced my auto loan with Upstart on XX/XX/year> with the expectation that they would pay off my prior lender as part of the transaction. Upstart failed to complete the payoff. Over the following weeks, Upstart issued three payoff payments, all of which were rejected. I was not notified of these failures and only discovered them by checking my prior loan account. My prior lender confirmed that the payments were failing because the funds were not authorized by Upstarts bank. During this time, I made repeated attempts to resolve the issue by phone and email. I was often unable to reach customer support during posted hours and did not receive promised callbacks. When I reached a supervisor, I was told there was no timeline for resolution and that the loan could not be canceled. While the payoff remained incomplete, I made payments to both lenders to avoid further issues, including a payment to Upstart that included a late fee. My original loan remains unpaid, and I am managing two loans at the same time. As a result, I have incurred additional costs, spent time trying to resolve the issue, and remain at risk of further fees and negative credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 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: WA

Complaint narrative:
In XXXX I noticed there had been a series of ongoing ever increasing debits from my Chase checking account that I did not recognize, and I did not authorize. It appeared the majority of these were transfers of XXXX to a XXXX app account. I filed a dispute of these charges for each individual transaction as they were not authorized as well as I had my physical debit card on my person and my account was locked so the only way for this to have happened is if someone stole my identity by acquiring my personal banking details. A large majority of these transactions were credited back without issues, however several were reversed and I have not received any info requested as to an explanation regarding what criteria they used to reverse the credit for these transactions. All of these are 100 % fraudulent unauthorized transactions. There is also a small number of transactions that were reversed under the explanation that they were a week out beyond the 30 days from statement date limited time period to dispute a charge. However I never received a copy of my banking statement still to this date. There are two claim IDs in question Claim ID # XXXX I was denied a total of {$1100.00} in reversed credits per online document dated XX/XX/XXXX Claim ID # XXXX I was denied {$860.00} on reversed credits per online document dated XX/XX/XXXX & I was denied {$500.00} in reversed credits in an online document dated XX/XX/XXXX The total sum of these 3 groups of reversed transactions are {$2500.00} I have requested from the Chase in writing : All Case files and related documents Full Investigation Notes Copies of all correspondence Reasons for reversal under Reg E ( as I am entitled to this explanation in writing by law ) None of this requested info has been provided to me either because the reps I have been able to speak with aren't able to access this info and they could not transfer me to another department to fulfill my request. All of these transactions ( both those approved and those reversed ) appear to be exactly the same in nature to me. I have always had my Chase debit card on my person and had a lock enabled on my Chase account. None of the transactions for which I have submitted a claim are authorized.

Company response to consumer: Closed with explanation