vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: FL

Complaint narrative:
Subject : Dispute of Arbitrary Denial of XX/XX/XXXX School Misconduct Discharge ( XXXX ) I am filing this complaint to dispute XX/XX/XXXX arbitrary denial of my School Misconduct Discharge application for loans used to attend XXXX XXXX University ( XXXX ). XX/XX/XXXX denial citing cXX/XX/XXXXes XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX is factually incorrect and ignores well-documented legal findings against XXXX and its parent company, XXXX ( formerly XXXX XXXX XXXX XXXX XXXX Rebuttal to Denial CXX/XX/XXXXes XXXX, XXXX, XXXX, & XXXX ( Misconduct & Harm ) : XX/XX/XXXX claims there is " insufficient evidence '' of misconduct and harm. However, XXXX has been subject to multiple landmark settlements, including a {$490.00} XXXX settlement with XXXX state attorneys general and a {$30.00} XXXX FTC settlement for deceptive recruiting and misleading job placement claims. These settlements provide " prima facie '' evidence that XXXX engaged in systemic fraud. My personal experience aligns with these findings : XXXX recruiters misrepresented the transferability of credits and employment outcomes to induce me into taking out these predatory private loans. The harm is evidenced by the fact that I am unable to obtain the employment promised by the institution, yet I am still burdened by this fraudulent debt. Rebuttal to Denial CXX/XX/XXXXs XXXX & XXXX ( Timeliness ) : XX/XX/XXXX argues that my claim is too old or that I was aware of the misconduct too long ago. I reject this. Under the FTC Holder Rule, which Navient has admitted applies to these loans in Congressional investigations, a lender is liable for the school 's misconduct regardless of a statute of limitations. Furthermore, I only recently became aware of my specific right to seek a private discharge throughXX/XX/XXXX" pilot '' misconduct program, which was not publicly advertised until 2024. Requested XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I signed up for Chime through an ad that said I would receive {$350.00} in bonuses. The first XXXX were for {$100.00} and the third was for {$150.00}. All i needed was a qualifying direct deposit of {$200.00} per month to receive each bonus. They never paid any bonus and when i contacted them, they said i didnt use their 'landing page ' to sign up for my account. I only signed up because of the ad that i clicked on. When i told them that, they told me sorry that i was unfortunately not eligible. They now have my personal work and banking information, my direct depost and refuse to pay the bonus. I feel as though they scammed me just to get my personal information. I would like to receive the bonus i signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: BANK OF NEW YORK MELLON CORPORATION, THE
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding an unauthorized disbursement of my investment funds in the amount of {$22000.00}. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed a change of address on my account and issued a check for {$22000.00} on the same day. I did not authorize this address change, did not authorize this disbursement, and did not receive these funds. XXXX XXXX later stated that it relied on an alleged phone call, internal broker records, phone activity, credit card charges, and a negative consent process to support the transaction. I dispute that this was valid authorization. The same-day timing is a major issue. XXXX XXXX completed the address change and issued the {$22000.00} check on XXXX XXXX XXXX, leaving no meaningful opportunity for any notice, including any claimed negative consent notice, to be received, reviewed, or challenged before the funds were released. I never received any negative consent notice, and XXXX XXXX has not provided proof that such notice was delivered or received. Even if a notice had been sent, processing the address change and disbursement the same day eliminated any real cooling-off period or consumer response opportunity. The check for {$22000.00} was later deposited on XXXX XXXX XXXX at a third-party bank ( XXXX ) without my knowledge or consent. XXXX XXXX own response also shows inconsistent handling of authorization procedures. For a separate valid transaction in XXXX, XXXX XXXX provided clear, step-by-step details showing how authorization was obtained and processed. However, for the disputed XX/XX/year> transaction, XXXX XXXX did not provide comparable step-by-step authorization details, signed documentation, or proof that the same verification procedures were followed. Instead, they relied on informal broker records, alleged call activity, credit card charges, and negative consent. This appears to be a failure of internal controls. A high-risk transaction involving an address change and immediate disbursement of {$22000.00} should have required direct written authorization, secondary verification, fraud review, and a delay before funds were released. As a result, I lost access to {$22000.00}, plus additional financial harm from lost investment opportunity, inflation, and loss of use of my funds over time. In addition, XXXX XXXX ' own procedures appear inconsistent. A beneficiary change on the account required approximately one month and involved formal documentation and verification steps. In contrast, the {$22000.00} disbursement on XX/XX/XXXX, XXXX preceded by an address change- was processed the same day without comparable safeguards. This difference in handling shows that higher- risk transactions were not subject to the same or greater level of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW. BY LAW, CONSUMER REPORTING AGENCIES MUST : XXXX. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, XXXX. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND XXXX. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS. ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

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 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for and was approved for a credit card for XXXX store administered by synchrony bank to be used to make a purchase. Their website for business solutions clearly states it is accepted yet they refuse to accept their own card.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America refused to post XX/XX/year> {$91.00} refund to card ending in XXXX from XXXX which merchant issued after receiving returned merchandise in person at store. This is an obvious attempt to falsely inflate balance & charge inflated interest.

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 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On or about [ DATE ], I became aware that XXXX XXXX is reporting that I owe a balance of {$16000.00} on an account. I dispute this amount in its entirety. I do not believe this balance is accurate. I have not received sufficient documentation or a clear breakdown explaining how this total was calculated, including payments made, interest, fees, or any adjustments applied to the account. On XXXX XXXX, I attempted to contact the company by XXXX to request verification of the debt and a detailed account history. As of today, I have either not received a response or the information provided has been incomplete and does not justify the amount being claimed. Due to the lack of proper validation and transparency, I believe this balance may be incorrect or improperly reported. I am requesting that the company provide a full accounting of the alleged debt, including all transactions, fees, and payment history. If the company can not verify the accuracy of this balance, I request that it be corrected or removed. I am also requesting that no further negative reporting or collection activity occur until this matter is properly investigated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint against Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ) and 15 U.S.C. 1681i ( Section 611 ), despite my prior submission of a valid FTC Identity Theft Report ( Report # XXXX, filed on XX/XX/year> ). Under FCRA 605B, once a consumer submits an FTC Identity Theft Report, the credit reporting agency is required to block and remove all fraudulent accounts and inquiries within four ( 4 ) business days. I have fully complied with this requirement ; however, the following accounts remain on my credit file in violation of federal law : XXXX XXXX XXXX Account Number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally contest the closure of my account and the ongoing holds on my funds. On XX/XX/XXXX, which was a Friday, I initiated disputes regarding two erroneous freezes on my account : one for {$560.00} and another for {$800.00}. These freezes were the result of fraudulent claims made by two different customers. Both individuals received their merchandise but filed false fraud reports in an attempt to secure refunds without returning the items. At the time, I provided comprehensive evidence, including all relevant chat logs and tracking numbers, to both the Bank of America Abuse Department and XXXX. The representative I spoke with agreed to dispute the holds on my behalf. While the {$560.00} hold was released one week later, the {$800.00} remains frozen. Following up on this, I emailed both departments, only to discover that Bank of America had proceeded to close my entire account. This action is entirely unjustified and unreasonable. Furthermore, following tax season, I deposited two insurance claim checks. Despite the fact that the initial {$800.00} remains unresolved, these two new checks have also been placed under review. I have not yet had the opportunity to download my statements from the previous year for tax purposes. I am requesting that the account closure be reversed and that all holds be lifted immediately. I also request a formal dispute of all unsubstantiated allegations against me. Please find the supporting documentation attached to this message.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have been working hard to pay down debt, and overnight was charged close to {$3000.00} dollars in interest. Care Credit preys on struggling families and need to be stopped.

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 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding a collection account reported by Waypoint Resource Group related to an alleged XXXX account that does not belong to me for {$260.00}. This debt is being associated with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but I have never lived in North Carolina, have never resided at this address, and have never had an account with XXXX. This account is not mine and appears to be inaccurate reporting, a mixed file, or identity-related error. I disputed this with the credit reporting agencies, but the dispute was unsuccessful despite the account being invalid. I am requesting immediate investigation and deletion of this collection account from my credit reports because : This is not my debt. I have no connection to the listed address in North Carolina. I have never opened or held a XXXX account. The furnisher appears to be reporting inaccurate information. The account should not have been verified without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I received an escrow analysis from my mortgage servicer, Lakeview Loan Servicing, servicing handled by XXXX, showing an escrow overage of {$3300.00} that would be refunded if my account was current. At the time, my mortgage account was delinquent with a total amount due of {$4100.00}. I contacted the company by phone to request that the escrow overage be applied directly to my outstanding balance so I could bring the account current. The company refused and stated that the escrow overage would only be released after the account is brought current. This position creates a situation where the servicer is holding a substantial amount of my funds while simultaneously requiring me to independently cure the delinquency, despite those funds being sufficient to cover the majority of the balance due. I made a good faith effort to resolve this directly with the company, including speaking with a supervisor, but no resolution or meaningful alternative was provided. By refusing to apply funds already held in escrow toward the delinquent balance, the servicer is effectively preventing me from curing the default in a timely manner. I am requesting that this matter be reviewed for compliance and exception handling, and that the escrow overage of {$3300.00} be applied to my outstanding balance so I can bring my account current without further delay.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Following up on complaint XXXX From the last complaint, the company said they would credit the bonus to my account by XX/XX/XXXX. However, as of XX/XX/XXXX, there is no bonus on my account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX- I received a physical mailer in my mailbox with an offer {$300.00} bonus with {$500.00} direct deposit to a new checking account. XX/XX/XXXX - new account opened XX/XX/XXXX - {$500.00} direct deposit hit XX/XX/XXXX - after 6 months, no bonus, sent secured message to ask for bonus XX/XX/XXXX - bank replied, saying they will check in 3-5 business days XX/XX/XXXX - no answers, followed up, they said they will check XX/XX/XXXX - no answers, followed up, they said they will check XX/XX/XXXX - still no answers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
XX/XX/XXXX : New Unauthorized Checking Account added to my SoFi profile from XXXX XX/XX/XXXX : {$3500.00} Unauthorized Withdrawal from my XXXX XXXX Account to XX/XX/XXXX Checking Account XX/XX/XXXX : {$3500.00} Unauthorized Withdrawal from my XXXX XXXX Account toXX/XX/XXXX Bank Account XX/XX/XXXX : {$500.00} Unauthorized Withdrawal from my XXXX XXXX Account toXX/XX/XXXX Checking Account XX/XX/XXXX : I disputed the transactions and reported potential identity theft to the government, as well as fraud. I submitted my XXXX history to Sofi. XX/XX/XXXX : My disputes were denied, so I appealed them. XX/XX/XXXX : My disputes were denied again. XX/XX/XXXX : I appealed the disputes again and submitted an XXXX complaint. Around XX/XX/XXXX, I also received a welcome package from XXXX, a group owned by XXXX, even though I had not created an account with them. I believe this is how the perpetrator was able to gain access to my accounts. Sofi has not credited my account or attempted to support my appeals at all. I am sure they get plenty of fraud calls as well, but I am trying to get my hard-earned money back, and they are not asking for additional documentation or anything at all. It just feels like I am being blown off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I went to Bank of America AtM and I tried to make a payment for {$1900.00} on my credit card, the ATM spit out one of the {$100.00} bills and kept the rest of the money which is {$1800.00} and it got frozen and kept going and going and I called the bank without moving from the ATM and they asked all the information and opened a claim and still they are telling me it is under investigation So Bank of America took my {$1800.00} and never applied it on my credit card card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I paid my care credit account balance in full. One day before the due date listed on the statement. XX/XX/XXXX. The balance was zero when the statement cycled on XX/XX/XXXX. At that time an interest charge was applied. I called customer service ( synchrony bank ) on XX/XX/XXXX to have the Internet waived. It is my understanding that on revolving accounts such as credit cards. If the balance is zero at the time the statement cycles that no interest can be legally charged. They said they could not waive the interest as it is added as a per day interest. I believe this was an illegal interest charge. This is one in a long line of issues I have add over multiple accounts that are synchrony bank accounts. I would like the interest charge waived as the balance was zero when the statement cycled. None of my other credit card accounts that I paid in full have charged additional interest after the balance was zeroed out. This is a predatory practice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of Identity theft, someone used my personal information and they successfully opened a U.S. Bank XXXX XXXX Account under my name with US Bank, Date XX/XX/year> at XXXXXX/XX/XXXX pt I received a text msg and emails notifications from US Bank, application ID was ( XXXX ) Immediately I called US Bank, they informed me they did placed a freeze on this account and advised me to file a report with FTC.gov

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