vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was scammed through Cashapp on XX/XX/year> for the amount of {$700.00}! I spoke with the person that scammed me for a vehicle I paid for in person on the phone. The person never showed and they stole my money! I never received my vehicle I paid for!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I signed up for XXXX XXXX through a broker for the XXXX XXXX XXXX. I was advised to submit my banking account for future premium payments. This was done XX/XX/year>. To date I have not received insurance cards. When I called the XXXX they reported I did not have insurance and needed to contact XXXX XXXX who I was supposed to insurances through. I contacted XXXX XXXX and they reported that I do not have insurance and I need to contact my bank. I filed a dispute with my bank PNC, however, they reported I am responsible for the funds taken because I gave permission. 
I am tired of banks playing these games and companies taking from a consumer like me. I dont have much and thought I was getting service once again only to be taken advantage of. Now because no one is taking ownership of this matter, those funds will continue to be withdrawn from my account. I dont appreciate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In XX/XX/XXXX, I received an email notification from Bank of America stating that my checking account had a negative balance of {$43.00} and that I needed to deposit funds to avoid account closure. At the time, and continuing to this day, I have been living outside of the United States and unfortunately did not see the email in time. 

In XX/XX/XXXX, while still residing outside the XXXX, I attempted to log into my Bank of America online banking account to make a deposit and discovered that the account had been closed. Since then, I have been unable to access online banking, as the system indicates that my account no longer exists. 

I attempted multiple times to contact Bank of America customer service by phone from outside the United States to resolve the issue and pay the outstanding balance. However, I am unable to get past automated account verification because the account is closed, and the system requires account details that are no longer recognized. As a result, I can not reach a live representative to locate the closed account or accept payment. 

I am actively trying to pay the outstanding balance of {$43.00} and resolve this matter, but Bank of America has not provided a functional way to do so while I am outside the XXXX. I am concerned about potential negative reporting to consumer reporting agencies related to the closed checking account. 

In addition, the closure of my checking account has prevented me from making a payment on my XXXX credit card, as the linked bank account is no longer accessible. I am concerned that this situation may negatively affect my credit score, despite my efforts to resolve the issue and make a payment. 

I am requesting that Bank of America contact me directly to help locate the closed account, accept payment of the outstanding balance, provide a way for me to make my credit card payment from outside the XXXX, and confirm whether any negative consumer reporting has occurred or will occur

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
We were never, ever notified about this, as far as garnishing my wages, etc. We were never alerted about a court hearing either!

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXDriver had to pay XXXX fees that were XXXX  . These are XXXX Fees that a XXXX  driver has to pay before he leaves a Facility . They are also called XXXX XXXX Fees. XXXXDriver sent me the link I paid on debit card ending in XXXX  it was declined . XXXX told the Driver to try his XXXX XXXX card and it went through . XXXXThe next day XXXX  Chase Bank charged the card ending in XXXX XXXXI called chase and disputed the charge and I also spoke to XXXX at XXXX he is the XXXX XXXX XXXX XXXXChase said that they also spoke to XXXX which I was not aware of until today when I spoke to a Supervisor Named XXXX  . I TOLD XXXX  the situation which I spoke to him on XXXX XXXX XXXX . Who told me that the Charge was approved and that I needed to go back and speak to XXXX  . I started to ask some more questions and he Hung up on me . I have received nothing but the run around on this issue From Chase bank to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I supporting documents and everyone is saying take it up with Chase bank . I even walked into a branch last year and I was also turned away . I even spoke to my XXXX XXXX who also said that XXXX charged the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kovo
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am submitting this complaint regarding the repossession of my vehicle by Bridgecrest after I was explicitly told by customer service that I had time to make my payment. 

I contacted Bridgecrest to discuss my auto loan payment. During this conversation, a customer service representative informed me that I had time to pay and that my vehicle would not be repossessed immediately. I relied on this information in good faith and was under the reasonable belief that repossession was not imminent. 

Despite this assurance, I woke up the VERY next day to discover that my vehicle had been repossessed from my property without further notice. This directly contradicted what I had been told by Bridgecrest. 

At the time of the repossession, my personal belongings were inside the vehicle. I was not provided advance notice or an opportunity to retrieve these items. 

Since the repossession, I have requested documentation explaining the amount Bridgecrest claims I owe, including an itemized breakdown of fees and charges. I have also requested details regarding the repossession itself, including the date, time, and circumstances under which the vehicle was taken. Bridgecrest has refused to give me documentation to provide this information. 

I believe Bridgecrest engaged in misleading and unfair practices by communicating that I had time to pay and then repossessing my vehicle anyway, and by refusing to provide basic account and repossession documentation. I am requesting that Bridgecrest be required to respond, provide all requested documentation, and explain why the repossession occurred despite the representations made by their customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I visited Arvest back on XX/XX/XXXX to make my mortgage payment I gave the teller {$780.00} cash I never had a problem before so I didnt look at my receipt until I got a notification from credit bureau about a negative on credit report and I looked it up, Arvest had my monthly payment on hold for until I paid the difference of {$36.00} the teller applied {$730.00} and idk where that amount even came from when my mortgage payment is {$770.00}, I gave the teller {$780.00}, I have tried to contact the branch directly and they keep sending me back to the mortgage company, I paid the difference today but for {$36.00} it did not warrant them visiting my home and leaving a notice on my door that is so embarrassing, and for them to put a negative on my credit account. I wan na know what happened to my {$40.00} that was not applied to my mortgage, and just say I accidentally gave the teller {$740.00} by mistake why wasnt I notified by the teller it was the wrong amount, but I know I handed the teller {$780.00}. And then why wasnt the {$740.00} applied to my account instead of them holding it and Im accessing late fees and visits to my home for {$36.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I stopped using my American Express credit card in XXXX and set up auto-pay of approximately {$350.00} to clear an existing balance of about {$1400.00}. No new purchases were made after XX/XX/XXXX. 
Despite continuous auto-payments, American Express continued withdrawing payments for several years while interest and fees compounded, resulting in over {$17000.00} paid and a balance exceeding {$14000.00}. 
In XX/XX/XXXX, I filed a formal complaint and investigation with American Express and was assured the issue would be reviewed. In XX/XX/XXXX, I was told the investigation was still under review. I was never contacted, provided no written response, and American Express continued collecting payments during this period. 
In XX/XX/XXXX, a customer service agent ( XXXX, XXXX ID XXXX ) informed me the complaint had been closed with no solution, without notice. The agent repeatedly refused to provide a supervisor, placed me on hold multiple times, and ultimately disconnected the call. 
I am requesting a formal regulatory review for failure to respond to a dispute, improper handling of an inactive account, continued collections during an unresolved investigation, and refusal to escalate. I am requesting a full payment allocation breakdown and retroactive interest and fee adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, my Fifth Third Bank personal checking account was compromised during a single phone call that began at XXXX XXXX and lasted until XXXX XXXX The caller impersonated a Fifth Third fraud representative and claimed there was active fraud and a federal investigation involving my account. I was instructed not to trust anyone outside the call. 

During this same uninterrupted phone call and time window, fraudulent XXXX XXXX transfers totaling {$4900.00} occurred, followed by an {$8000.00} cash withdrawal at a Fifth Third banking center. Fifth Third acknowledged fraud by reimbursing the XXXX XXXX transactions but denied reimbursement for the cash withdrawal. 

The Bank claims the withdrawal was authorized because I personally withdrew the funds and stated it was for a car payment. This statement was made under coercion at the direction of the scammer. I have not owned a car since approximately XXXX, and my account history shows no car payments, loans, insurance, or vehicle-related expenses, confirming the statement was false and made under duress. 

All fraudulent activity occurred within the same hour and during the same phone call, demonstrating a single, continuous scam event. Fifth Thirds decision to partially reimburse the fraud while denying the remainder is inconsistent and fails to apply coercion-based fraud protections under the Electronic Fund Transfer Act and Regulation E. 

I am requesting CFPB assistance to require Fifth Third Bank to reopen the claim and reimburse the remaining {$8000.00}. The Bank had also threatened account closure while this dispute and federal review remained ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wellsfargo said a card was opened on XX/XX/year> and was used to purchase XXXX XXXX XXXX XXXX dollars. Wellsfargo supposedly connect my call to FTC emergency line. The person from FTC says I will need to fly to XXXX XXXX  within XXXX hours to resolve this issue. I hung up.

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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They started contacting me on XX/XX/XXXX through text and calls and I told them that Ive already dealt with the charge I told them to stop contacting me on XX/XX/XXXX of XXXX and on XX/XX/XXXX of XXXX they called me I have the call recorded as I live in Texas and it is legal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received an email from Synchrony Bank on XX/XX/year> stating that a {$75.00} purchase was made on my PayPal Credit Card account at XXXX XXXX XXXX  This transaction is unauthorized. I did not make this purchase, I did not authorize it, and I do not have the physical PayPal Credit Card associated with this account. 
Synchrony has already flagged fraudulent activity on a card ending in XXXX a card number I was never informed about, never received, and never activated. I have not logged in to my account because I do not believe it is safe to do so until Synchrony confirms the account is secure and provides full documentation. Despite this, I continue to receive notifications of transactions that I did not make. 
This unauthorized {$75.00} charge shows that my account remains compromised and that Synchrony has not secured the account despite multiple fraud alerts, identityvalidation messages I did not request, and repeated requests for documentation. I am requesting a full investigation into this unauthorized transaction and an explanation of how it occurred on an account that I can not safely access and on a card I do not physically possess. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I consent to publication after the CFPB removes personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company
State: TX

Complaint narrative:
I am writing to formally dispute an account that your company has reported to the credit bureaus under my name. I did not open, authorize, or conduct any business with your company, and this account is being reported in error. 

The inaccurate reporting of this account has caused damage to my credit profile, negatively affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information appearing on my credit report, and I am exercising that right. 

I request that you immediately investigate this matter and provide written confirmation that this account has been removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX ). If you believe this account is valid, please provide written documentation bearing my signature that proves I authorized or opened this account. 

Failure to correct this error promptly may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please treat this matter with urgency. I expect written confirmation of resolution within 30 days as required by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint against Synchrony Bank ( CareCredit ) for deceptive marketing of deferred interest and predatory credit limit management ( " clamping '' ) that has caused significant financial harm. 
Timeline and Actions : Original Purchase : I was enrolled in a financing plan at my XXXX XXXX XXXXffice for a necessary XXXX  procedure XXXX XXXX XXXX ). A staff member in the XXXX department explicitly stated that I was receiving a " XXXX interest loan '' with CareCredit. 
The XXXX XXXX : At XXXX XXXX XXXX, I developed XXXX XXXX XXXX  my physicians noted is extremely rare for my age group. Because of the severity of the XXXX, I was lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unable to read the fine print of the physical credit agreement during enrollment. I relied entirely on the oral representations made by the provider 's staff. 
Payment History : I have been a responsible borrower, diligently paying the balance down to {$4200.00}. 
The " Back-Interest '' Trap : Upon reaching the end of a promotional period I did not realize was " deferred, '' I was hit with {$3400.00} in retroactive interest. This nearly doubled my balance overnight, despite my consistent efforts to pay off the principal. 
Predatory Credit Limit Management : As I made payments to reduce my debt, CareCredit systematically decreased my credit limit to match my remaining balance. Once the {$3400.00} in interest was applied, this " clamping '' tactic immediately placed my account XXXX XXXX  {$1700.00} over my credit limit XXXX XXXX 
Impact : This combination of retroactive interest and artificial limit reduction has caused a severe, unjustified drop in my credit score. This is particularly devastating as my family is currently in the process of purchasing a home this spring. These tactics appear to mirror the deceptive practices cited in the XXXX CFPB Consent Order against CareCredit regarding the lack of transparency in their " deferred interest '' products. 

I can ask the office who perform my XXXX XXXX to write a letter stating what I was told which was theyve never seen anyone even close to my age develop XXXX  let alone the severity my case requiring a XXXX most get in their XXXX or XXXX, I feel this is relevant because its greatly affected my ability for employment causing me to go to school to be a more marketable potential future employee.

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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Payment Application, Due Date Advancement, and Servicing Issues After Transfer from Great Lakes I am submitting this complaint regarding the handling of my federal student loans following the servicing transfer from Great Lakes to Nelnet. 

At the time of the transfer, I was informed that the terms and handling of my loans would remain the same. While my interest rates and repayment plan ( Extended Repayment ) did not change, the application and presentation of my payments has become materially more complex, inconsistent, and difficult to understand. 

Specifically : I consistently pay more than my required monthly payment. 
I selected the option to limit due date advancement to no more than one month. 
Despite this, my billing statements continue to reflect paid-ahead credits, fluctuating amount due figures, and loan groups with widely divergent due dates. 
Excess payments appear to be applied as partial future credits or distributed across loan groups rather than clearly and consistently reducing principal in a predictable manner. 

In addition, I have contacted Nelnet customer service multiple times in an effort to understand and resolve these issues. These calls have often required significant time commitments, including extended call durations, and have not resulted in a clear or consistent explanation of how excess payments are applied or how my payment preferences are implemented across loan groups. Despite these efforts, I remain unable to obtain a definitive resolution or confirmation that my instructions are being fully honored. 

I am not alleging incorrect interest rates, missing payments, or unauthorized charges. However, the current servicing behavior represents a significant decline in transparency and usability compared to my experience prior to the transfer. The lack of clear, consistent explanations and predictable payment application makes it difficult for borrowers to verify progress, evaluate interest impact, and ensure that excess payments are reducing long-term costs as intended. 

I respectfully request : 1. Written clarification of how excess payments are applied when due date advancement is limited.

2. Confirmation of how a borrower can ensure excess payments are applied directly to principal without being treated as paid-ahead credits.

3. Review and confirmation that my current payment preferences are being fully honored across all loan groups.

4. Consideration of whether current servicer communications and support adequately explain these behaviors to borrowers following servicer transfers. 

I appreciate your review and request a written response for my records. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation