vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Narrative Consumer : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Company Complained Against : Westlake Financial Services Account Number : XXXX I financed a XXXX XXXX XXXX through Westlake Financial Services after purchasing the vehicle from XXXX XXXX in XXXX, Virginia, on XX/XX/XXXX. At the time of purchase, I resided in XXXX XXXX, Maryland. I made a substantial down payment of approximately {$4500.00} and maintained payments on the account. In XX/XX/XXXX, the vehicle was impounded following a traffic stop relating to a temporarily suspended license issue that was later corrected. The related court matter was subsequently closed through a disposition consistent with XXXX XXXX and/or Stet after the underlying MVA-related issues had already been resolved. Beginning in XX/XX/XXXX, I repeatedly contacted Westlake Financial Services to report the impoundment and request guidance regarding release and collateral handling. During multiple communications over several months, representatives repeatedly advised me that internal teams were reviewing the matter, contacting the towing company, and evaluating release arrangements and possible modified payment terms. However, during later calls, representatives repeatedly denied having records of prior communications and repeatedly stated there were no records on file, despite later discovery of internal notes confirming prior communications and towing company contact attempts. Eventually, I was informed that Westlake allegedly declined recovery because towing and storage costs exceeded certain value considerations. However, I was never timely informed of this determination in writing and was never formally advised regarding collateral status, mitigation options, disposition procedures, or related consequences. Despite these servicing inconsistencies and unresolved collateral issues, representatives later threatened negative consumer reporting and collections activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
COMPLAINT AGAINST BANK OF AMERICA , N.A . ( PRIOR SERVICER ) STATEMENT OF ERROR & SYSTEMIC NEGLIGENCE : This is a formal complaint against Bank of America , N.A . for severe past administrative malpractice, breach of a modified loan contract, and failure to preserve consumer privacy data during a portfolio transfer. I discovered these compounding violations on XX/XX/XXXX, upon unravelling a 25-year mortgage routing error. ACCOUNT TIMELINE & CONTRACT BREACHES:XXXX & XXXX : Via a XXXX divorce decree ( XXXX XXXX Case XXXX ), my ex-husband executed a Quit Claim Deed stripping himself of property ownership. In XXXX, he filed XXXX XXXX XXXX and discharged his debt liability. I have never filed bankruptcy.XXXX Modification : In XXXX, I executed a formal Loan Modification contract directly with Bank of America as the sole primary borrower. My ex-husband was completely excluded.XXXX Wrongful Foreclosure : In XX/XX/XXXX, Bank of America 's automated software completely ignored our active XXXX modification, relied on obsolete XXXX data, and filed a wrongful foreclosure lawsuit ( XXXX XXXX Case XXXX ) against both myself and my non-liable ex-spouse. XXXX Federal HUD Cure : To resolve Bank of America 's wrongful lawsuit, a HUD assistance mortgage was executed under Document XXXX. This federal document explicitly listed my name only as sole grantor and owner, completely excluding the ex-spouse.XXXX XXXX Transfer Negligence : On XX/XX/XXXX, Bank of America sold my servicing portfolio to XXXX XXXX XXXX . When exporting the database, Bank of America 's systems flagrantly ignored the XXXX modification and the XXXX sole HUD document. Instead, they generated transfer assignment paperwork listing my bankrupt ex-husband 's name again. CONSEQUENTIAL DAMAGES : Because Bank of America exported completely corrupted borrower profile fields to the new servicer, they directly enabled a massive ongoing consumer data breach. Their data negligence allowed my ex-husband to call the new servicer in XX/XX/XXXX, pull my private account details, and successfully divert my monthly statements to his personal residence for nearly nine years.I demand that Bank of America 's Corporate Compliance department immediately coordinate with XXXX XXXX XXXX to supply the full, uncorrupted historical underwriting image archives of my XXXX Modification and XXXX HUD files to correct the current active servicing hierarchy.

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 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
disputed multiple transactions on my XXXX credit card statement that appeared as XXXX XXXX charges. I did not authorize these transactions. Many of the disputed transactions were repeated charges with identical or very similar amounts, which raised serious concerns that these were unauthorized or fraudulent transactions rather than legitimate purchases. I contacted XXXX directly to verify whether these were legitimate XXXX purchases connected to my XXXX account. XXXX XXXX informed me that they could not verify these transactions as legitimate XXXX purchases associated with my account. This raised additional concerns that the charges may have been fraudulent transactions intentionally disguised as XXXX charges. I disputed the charges with XXXX and requested a proper investigation and verification of the transactions. However, XXXX closed the dispute and later informed me that they would not reopen the investigation unless I provided additional information. I believe I DID provide new and relevant information because XXXX could not confirm these transactions as valid XXXX purchases. Despite this, XXXX refused to properly reinvestigate the matter and continues to treat the charges as valid. I am concerned that XXXX failed to conduct a reasonable investigation into potentially fraudulent transactions and may report disputed balances to credit reporting agencies despite unresolved fraud concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am sending a rebuttal to the previous complaint against Barclay Bank. The complaint was partially settled and then completely closed prior to being able to rebuttal. I am continuing to request removal of interest fees, although I do appreciate the " goodwill offer '' to refund the {$400.00} for late fees. . Please reopen the CFPB Rebuttal Statement, Re : Barclays Bank Delaware Response to ComplaintAccount/Case Reference : XXXX XXXX XXXX ( ending in XXXX ) I am writing to formally reject the final resolution provided by Barclays Bank Delaware on XX/XX/year>. While I acknowledge the banks goodwill gesture to waive {$400.00} in late fees, I strongly disagree with their decision to uphold the associated interest charges.The interest charges in question are a direct result of conflicting information provided by Barclays ' own representatives regarding my payment due date. I maintained a clear understanding based on staff instructions that my payment was due on the 4th of the month. Because the late fees themselves were acknowledged and waived as a gesture of goodwill, it is illogical to enforce punitive interest penalties stemming from the exact same disputed timeline.The financial harm caused by the misinformation has not been fully corrected. I request that Barclays complete a comprehensive review of my account history and remove all interest charges tied directly to these disputed billing cycles. that was closed.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/year> : Sold vehicle to XXXX XXXX on XXXX marketplace for {$2200.00} in AS IS condition. Individual sent monies to me via XXXX transaction. XX/XX/year> : I get a call from XXXX that transaction was reported as fraud. I immediately contacted my bank institution ( Navy Federal Credit Union ) and advised them that I might be subject to scam. XX/XX/year> : Notified by Navy FCU bank that XXXX transaction is being reversed and monies sent back to origin. Same day I file a police report with XXXX XXXX police department requesting search for vehicle that is now considered stolen. Case is number IR # XXXX. Have yet to receive an update from police officer nor the status of my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I continue to dispute the balance claimed by Synchrony Bank on my PayPal Credit account due to fragmented account access, incomplete historical records, and lack of a reliable reconciliation of the alleged balance. I originally opened and managed this account through PayPal, yet PayPal displayed a {$0.00} balance and incomplete account visibility, while Synchrony separately claimed a large balance. Historical PayPal exports for multiple years returned No data available, and Synchronys platform stated the account was unsupported when I attempted access using the account number provided by Synchrony. U nlike my other Synchrony-backed accounts, where I can fully access statements and transaction histories, the PayPal Credit account has not provided comparable transparency. Although I recognize some PayPal transactions, many appear to have been funded through linked bank accounts or linked credit cards rather than carried as unpaid PayPal Credit debt. Synchrony has not provided a complete merchant-level reconciliation identifying which transactions were actually financed through PayPal Credit , how payments were applied, or how the alleged balance accumulated. As a result, I remain unable to independently verify the balance claimed.

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 2026-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business processed the wrong amount for {$10.00} of a XXXX XXXX. However, complaint XXXX is for 2 items purchased from XXXXXXXX XXXX and part of case purchase protection case XXXX ( not XXXX ) and XXXX XXXX XXXX case XXXX. About 5 weeks ago, American Expressed opened complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: EQUIFAX, INC.
State: NV

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 entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding unauthorized fraudulent transactions on my Business Advantage checking account ending in XXXX. Beginning on XX/XX/XXXX, multiple unauthorized transactions were made without my knowledge or consent. The fraudulent transactions continued through XXXX and XX/XX/XXXX and total approximately {$27000.00}. The disputed transactions include charges to XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I did not authorize these transactions, I have no relationship or affiliation with the recipients or merchants involved, and this activity constitutes fraud and identity theft. I opened a claim with Bank of America, Claim # XXXX. Bank of America denied the claim on XX/XX/XXXX, stating the transactions were reported after 60 days. I strongly dispute this decision because the bank failed to properly investigate the fraud pattern and the fact that my account information was used without authorization. I filed an identity theft police report with the XXXX XXXX Police Department. XXXX Case # XXXX, report date XX/XX/XXXX. I am requesting that Bank of America fully reinvestigate the claim, review the police report and attached bank statements, and reimburse all unauthorized transactions totaling approximately {$27000.00}.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am experiencing severe account restrictions on Robinhood that prevent me from managing my investments and funding my account. The platform currently holds my existing funds in XXXX ( XXXX ). However, Robinhood is blocking me from linking, verifying, and transferring funds from my XXXX XXXX XXXX XXXX ( XXXX ) account to continue making investments.Furthermore, Robinhood repeatedly fails to verify my active XXXX debit card, despite the card having a sufficient balance. When I contacted Robinhood customer support ( XX/XX/year> ) for assistance, the representatives refused to investigate the specific block on my account. Instead, they only read generic, public troubleshooting information found on the internet and failed to provide a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
What happened : On XX/XX/2026, I was targeted in a sophisticated social-engineering fraud that Robinhoods supervisory and fraud-detection systems failed to prevent, and that Robinhood has since refused to meaningfully investigate. A caller impersonating a Robinhood fraud-prevention agent contacted me with detailed knowledge of my Robinhood account, phone number, and credit card information, claiming my account was compromised. They directed me by text to download Robinhood Wallet, a legitimate Robinhood-branded self-custody crypto app operated through Robinhood XXXX XXXXXXXX XXXX XXXX XXXX XXXX, framed as a secure wallet to protect my funds. Believing I was working with Robinhood, I liquidated my brokerage positions and purchased approximately {$600000.00} in XXXX, then was walked through an outbound transfer including reading back an authentication code. Only Robinhoods flat transfer limit prevented the full loss. I lost {$4900.00}. When I requested written confirmation, the scammer sent a phishing email mimicking Robinhoods domain. Why Robinhood is responsible for more than they have acknowledged : 1. Supervisory failure. A {$600000.00} first-time crypto purchase, immediately followed by an outbound transfer to an external wallet, is the textbook pattern of social-engineering fraud. Robinhoods systems did not pause the activity, did not require human review, did not impose a cooling-off period, and did not require out-of-band confirmation. The only protection was a static dollar cap. This is wildly inconsistent with my trading history. XXXX. Dual-app structure exploited by scammers. Robinhood Financial LLC ( regulated brokerage ) and Robinhood Wallet ( XXXXbased self-custody ) operate under nearly identical branding but with materially different customer protections. Once funds enter the self-custody product, transfers are irreversible and Robinhood disclaims responsibility. Scammers exploit this precisely because customers reasonably assume protections are unified. Robinhood has not adequately disclosed this protection differential or addressed how its product structure is being weaponized against its own customers. XXXX. Inadequate post-incident response. When I reported the fraud, Robinhood declined to investigate the destination wallet, declined to engage law enforcement, refused to disclose the destination wallet address to me, and effectively told me I should have been more careful. XXXX. Data exposure. The scammers had account-specific information tied to my Robinhood account. I am asking the CFPB to examine how this information was obtained and whether Robinhoods data-handling or third-party sharing practices contributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Below is the Letter that i filed with the " XXXX '', Complaint # XXXX In XX/XX/year> XXXX bank cancelled both of my Checking accounts, Claiming that i had changed my permanent address to a XXXX XXXX Just before XXXX, this left me with NO MONEY. No way for any deposits to be made, since it was JUST at the XXXX. and my SS Check had been mailed, salary check mailed, other income mailed and all of them returned to the sender. Even with new accounts, there was nothing to put in the accounts. The bank witheld the funds that were in the accounts. The direct deposits were re routed and not available until XXXX. while i could pay no bills either. The result of this was that i could not pay any utility bills, health insurance, automobile insurance, or ANYTHING. or receive money until the returned funds had a correct bank account #. It was well over a month and 4 visits ( about 1.5 hrs. ea. ) before the bank would release my funds into my new accounts. My XXXX cards cancelled, my auto insurance cancelled causing my new policy to be {$100.00}. a month more than my previous premiums. There are close to {$1000.00}. in late fees for credit cards ( even the WF credit card ) My credit score is of course ruined. The bank will do nothing about this error that they made which, in effect has all but ruined me financially. and when this is straightened out, i will transfer to another bank WF has a terrible reputation. They have not even acknowledged the problems that they caused. They claim that they are innocent of any wrong doing and that they tried to contact me at my PO Box at my second home. ( They do not recognize a XXXX XXXX as a legal address ) This mess is endless and i a difficult time just trying to get one company straightened out. PLEASE HELP1 WF Bank has never addressed the fact, that i NEVER requested my permant address be changed, or the reason that the balances in my accounts were never nreturned to me, nor have they addressed why it took 3 visits in person for me to recover my funds. At this point, every credit card has submitted my statements to collection agencies.

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