vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am writing to formally dispute a debt of approximately {$700.00} currently held by a third-party collections agency. This balance stems from a Bank of America credit card account that I believed was settled and closed in full on XX/XX/XXXX, following a payment of nearly {$20000.00}. Based on recent discussions with your senior management team, it appears this secondary balance originated from two issues : Trailing Interest : The payoff quote I was provided did not account for residual interest accruing between the statement date and the date of my final payment, despite my clear request for a total payoff amount to close the account. Pending Automated Transactions : An automated charge of {$120.00} processed the month following my payoff. I was informed that this " pre-loaded '' charge was not visible to your representatives at the time of my inquiry, allowing it to post to an account I had been assured was closed. For the past nine months, interest and late fees have accumulated on this {$120.00} charge and the undisclosed residual interest. Critically, I received no correspondence, statements, or notifications from Bank of America regarding this mounting balance during this period. I only became aware of the situation when I was contacted by a debt collector. I acted in good faith to satisfy my obligations. When I requested a final payoff figure, it was with the explicit understanding that the payment would terminate all further interest and fees. The failure to provide an accurate payoff quote, combined with the lack of subsequent notification before referring the debt to collections, is an unacceptable lapse in communication and professional standards. Proposed Resolution : I am prepared to pay the original {$120.00} automated charge, as I was unaware it remained active. However, I am requesting that Bank of America : Immediately recall the debt from the third-party collections agency. Waive all accumulated interest and late fees associated with this oversight. Update my credit report to reflect the account as " Paid in Full '' or " Paid as Agreed. '' I trust Bank of America will recognize my good-faith effort to settle this {$20000.00} debt and resolve this discrepancy promptly. I look forward to your written response within [ XX/XX/XXXX ] 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 explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I spoke with a representative from that credit company to inform them that I never opened an account with them, and a balance appeared, which is currently reflected negatively on my credit. I did not open it, nor do I know where this fraud came from. The credit cards company name is synchrony Bank one pay walmart XXXX, and my report appears to have a balance of {$780.00} and i have never opened an account/user under that bank nor have I spent any sort of amount on it.

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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> My daughter Called me from XXXX Florida at the XXXX XXXX XXXX Car lot. She had ask me previously about possible cosigning for a car loan. We discussed a car purchase on the phone. I agreed to be a co-signer but expressed to her and the salesman that I would not sign documents as the buyer!! I requested to see the paperwork they wrote as an estimate and could not receive it in my email. My daughter sent me a screen shot and sure enough they had me listed as buyer. I once again told them I was not the buyer and that I only agreed to be cosigner. They said okay and they would switch it and make sure she was the buyer. I did not see the car, was not provided any contract information until I requested it several times. XXXX finally sent me a copy. The terms and charges were outrageous. Last week, on XX/XX/XXXX I received a text from Capitol One saying congratulations on my purchase and asking me to set up my payment method. I contacted them and told them my daughter purchased this car in XXXX Florida and I live in Georgia. That she was the buyer. They informed me that XXXX XXXX submitted the paperwork with me as the buyer and I was responsible for payments. I told them that was incorrect and they said XXXX would have to correct it. XXXX is saying they submitted my daughter as the buyer. I don't know who did what, all I know is I did not purchase that vehicle and I do not have the vehicle in my possession. I am XXXX XXXX XXXX XXXX and all this internet/signing on the phone is confusing to me, but I do know what I specifically told then not to finance this vehicle in my name. My daughter and I have both contacted them about this. She says XXXX percent they were not suppose to do this. They have not contacted me or offered any assistance in correcting this mess. I am so stressed over this and I have not been able to get any help from anyone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I am unaware of this account or the company, the amounts owed or any information used to obtain this 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
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
On XXXX I have disputed this inquiry for XXXX XXXXXXXX with following credit bureau XXXX XXXX by phone. I have contacted this collector by email first XXXX XXXXXXXX on XXXX also XXXX about information being reported regarding the following creditor Pinnacle bank. I am still waiting for update on this matter. I have not been able to recieve a copy of my XXXX report by mail this month of XXXX because of this an other delayed disputes. I need a copy of this credit report to apply for other credit and real estate in near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank claimed the checking account ending XXXX was closed in XXXX when I went into the XXXX and XXXX XXXX XXXX XXXX that's XXXX XXXX XXXX XXXX XXXX zipcode, chase bank branch, they showed me a screen showing an account closure. The XXXX XXXX branch on XXXX and XXXX XXXX XXXX, that's XXXX XXXX XXXX XXXX XXXX zip code, said the Chase bank account was closed and printed some bank records showing a supposed account closure. I made these visits to physical Chase bank branches in XXXX and XXXX. The complaint I submitted in here in XXXX, Chase refused to put the time and date of the account closure. When I went to the Chase bank branch in XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX zip code which is listed as a Chase bank branch ( not a mortage lender office as I XXXX XXXX social security ending XXXX XXXX XXXX have no need for such a service ) told me the account was supposedly closed in XXXX. I contacted Chase bank through their message portal and advised them they were some of the worst people for not allowing me to access my financials. I am not a scientologist and not an investor and I was planning on exiting the country to see my family alive overseas. I also advised them of the attorney general of California complaint I filed in person in XXXX California United States of America which I have linked to a federal case under my own last name XXXX that has my fingerprints and personal information on file with the federal United States of America government, XXXX, and XXXX. I am uploading the chase bank online access screenshot I do have as of today 's date XX/XX/XXXX and they have removed the XXXX checking account and linked savings account. They have left a payment plan uploaded as a joke apparently. Chase bank has been aiding and abetting in fraud, ID theft, slander, defamation, and federal level crimes when it is linked to my social security number ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We used XXXX for a XXXX XXXX. We had financed cabinets through their Wells Fargo financing option. We currently have a " pending '' charge of over {$17000.00} which has not posted yet. They advised that this would post upon delivery of the items. The delivery date has passed. XXXX filed for bankruptcy and there are no employees/driver or anyone at all to speak with regarding our cabinets. We want to dispute this pending charge and cancel this request, as they are not able to live up to their end of the contract. XXXX Signed : XX/XX/year> Expected Delivery Date : XX/XX/year> XXXX XXXX : {$17000.00}

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

Complaint narrative:
This company First Latitude Credit card issued by by Synovus Bank in TN has a habit of just locking your account without notice. you wont even know your account is locked or you cant use your card ore credit until you try to use it. I had it locked when i had a problem making a payment I was not notifed my account was locked they said a pyment i made didnt go through .. i told them i know i had a problem with a deposit hold and i made another much larger payment, why did you lock my account.. I had to go round and round to get it unlocked,.. Now several mo later i moved to Texas, I went into my account and updated my address. im not behind on any payments. I went to use my card found out it was locked again. they said they locked it because i moved. I have sent several emails complaining and told them i may close my account. They responded with saying they were closing my account. I told them. Fine I will pay off the card i dont need a card like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I am filing a formal complaint against Mariner Finance regarding a personal loan that I was led to believe carried 0 % interest. At the time I entered into this loan, I understood that it would not accrue interest. However, after reviewing my payment history, I discovered that each payment includes amounts explicitly labeled as Interest. These charges appear on every payment and vary in amount, which is consistent with an interest-bearing loan. Examples from my account history include : - {$110.00} listed as interest on XX/XX/XXXX - {$100.00} listed as interest on XX/XX/XXXX - {$51.00} listed as interest on XX/XX/XXXX I contacted Mariner Finance multiple times to dispute this. Their representatives stated that these are not interest charges but part of a calculation. This explanation is unclear and inconsistent with the documentation, which explicitly labels these amounts as interest. Furthermore, the application of these amounts does not align with a 0 % loan structure, where all payments should reduce the principal. I have made approximately {$3000.00} in payments to date, yet a significant portion has not been applied to the principal balance. I believe this constitutes deceptive or misleading lending practices, as the terms presented to me do not match how the loan is being serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MT

Complaint narrative:
I am filing a complaint regarding PNC XXXX Plus continued failure to release my XXXX XXXX XXXX ( XXXX ) funds, despite repeated documentation and confirmation from my insurance carrier. Since XX/XX/year>, I have made extensive efforts to obtain the remaining XXXX funds owed to me. My plan includes a {$12000.00} family deductible, with {$3000.00} required to be met before the full {$9000.00} in XXXX funds is released. I have satisfied the required deductible threshold ; however, the bank has applied an incorrect amount toward my deductible ( approximately {$3600.00} ), which does not align with my insurance records. To resolve this, I have submitted multiple forms of documentation, including : Explanations of Benefits ( EOBs ) Spreadsheets detailing claims and payments Deductible verification forms Additionally, my insurance company has directly contacted the bank and confirmed that the remaining XXXX funds should be released. Despite this, the bank continues to refuse action. I have made repeated attempts to resolve this issue, including outreach on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and today XXXX XXXX -in addition to multiple phone calls. I also explicitly authorized my insurance representative to communicate with the bank on my behalf. Despite this authorization, the bank has refused to engage with her, even after she confirmed the correct deductible amounts and eligibility for release of funds. This ongoing delay is unreasonable and has placed an unnecessary burden on me. It should not require this level of effort to access funds that I am entitled to under my plan. Requested Resolution : Immediate correction of the deductible amount on file Immediate release of all remaining eligible XXXX funds Clear written explanation for the delays and failure to act despite insurer confirmation I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I lost my house to hurricane XXXX. Aqua Finance offered payment relief that I accepted. I was able to get my payments in anyway. Until this point my history with them was perfect. XXXX, XXXX, XX/XX/XXXX they attempted to call me but I mistakenly thought it was a scam because my payments were going through according to my bank. When I finally talked to them, they claimed that I had late fees to pay. I shouldn't have any fees because I always pay more than the minimum amount due. They also have claimed that they didn't get my money but my bank disagrees. I pay all of my bills through online banking. They really are getting my money but are charging me fees and harassing me on the phone several times a week. Now they have stopped sending a paper bill, causing me to miss my payments. Now my credit score has gone down and my other credit cards are lowering my credit limits. This is the only creditor I have ever had problems with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: TN

Complaint narrative:
I was charged XXXX times by paybyfour and have revoked anymore use of my card that was cancelled from the merchant ending in XXXX and they refuse to remove my card and one pay allowed them to still remove money out of my account. I want my money refunded and removed from anymore transactions with this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Advertise price is XXXX they charged me XXXX. They added XXXX for mvp and then charge me extra for XXXX for a theft determent that already in the price of the car & sale tax on ev vehicle in there is no sale for an ev vehicle in NC. Also on my sale receipt is different from their for a XXXX The final price was XXXX. Also my loyalty rewards was not deducted from the car. They said took XXXX off my receipt does not say that. The company used bait and switch for the car price. I never been treat this way from XXXX XXXX. I have never had document fee XXXX. And the sales receipt said to send the money for the car payment to XXXX XXXX XXXX if i sent my money there who knows if it would go to the XXXX XXXX XXXX. I felt that that they would have treated me better. All The extra price was duplicate to make it sell for XXXX. I hope this dealership wil treated me better. Also this was elder abuse my husband and I are XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding repeated unauthorized withdrawals from my personal bank account by College Ave Student Loans. I have a student loan with a co-signer ; however, we maintain separate bank accounts. My co-signer does not have authorization to use my bank account for payments. Beginning in XX/XX/year>, multiple payments began being withdrawn from my bank account without my authorization. These payments were initiated through ACH ( account and routing number ), not through my debit card. The following transactions occurred from my account : * XX/XX/year> : {$100.00} withdrawn ( recurring payment unauthorized ) * XX/XX/year> : {$100.00} withdrawn ( recurring payment unauthorized ) * XX/XX/year> : {$300.00} payment attempt ( I intervened ; this payment was stopped ) * XX/XX/year> : {$250.00} payment made ( recurring payment unauthorized ) I immediately contacted XXXX XXXX and requested that my bank account information be removed and that all authorization for withdrawals be revoked. I was informed that my bank account had been removed and that the issue was resolved. Despite this, additional withdrawals continued to occur after I was told the issue had been fixed. I have now experienced repeated unauthorized debits from my account, causing significant financial hardship. I have also contacted my bank and placed a stop payment ; however, I was informed that ACH attempts may still be initiated by the requesting company, which has continued to happen. At this point : I have clearly revoked authorization for any debits from my account The company has acknowledged and attempted to remove my bank information Unauthorized withdrawals are still occurring This appears to be a violation of the Electronic Fund Transfer Act, as the company has continued to process or allow transactions after authorization was revoked. Resolution Requested : Immediate and permanent removal of my bank account from all systems A block preventing my bank account from being re-added or used by any party A full investigation into how these transactions continue to occur Reimbursement of all unauthorized withdrawals Written confirmation that this issue has been fully resolved I am seeking immediate intervention, as this issue is ongoing and continues to cause financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, First Financial XXXX XXXX confirmed in writing a settlement of {$2900.00}. This payment was made and confirmed on a recorded call, with the understanding that the account would be fully satisfied and the promissory note and written release would be provided within 30 days. As of today, more than 30 days have passed since payment, and FFAM has failed to provide the promised documentation. This is a failure to honor the terms of the settlement agreement. I am requesting immediate issuance of the promissory note and written confirmation of satisfaction. I can provide payment proof, call recordings, and prior correspondence upon request. I have 3 other complaints regarding this matter that explains the issue more in depth as well as this has been a long ongoing issue

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am disputing an inaccurate collection account reported by Columbia Debt Recovery ( Genesis ) on behalf of XXXX XXXX XXXX. I moved out on XX/XX/year> and have a new lease and utility bill proving my residence elsewhere. However, I am being charged for XXXX 2024, when I did not live there. A {$3000.00} Jetty payment was applied without my authorization. I never contracted XXXX, as I had renters insurance with XXXX XXXX. I have submitted multiple disputes and requests for validation, but the company has not provided proper documentation. Instead, they continue collection activity, send emails, and increase the balance. XXXX deleted this account as unverifiable, but XXXX still reports it. This debt is inaccurate, unverified, and continues to damage my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I sent XXXX dollars on cash app to the wrong account on XX/XX/year> I sent the XXXX dollars to XXXX XXXX Transaction # XXXX I requested a refund and it was declined

Company response to consumer: Closed with explanation