vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am filing this complaint against Ally Financial regarding what appears to be inaccurate, duplicative, or unsupported tax reporting related to an old retail auto contract. I surrendered/turned in the vehicle connected to this account in approximately XXXX. More than a decade later, Ally reported a XXXX XXXX Cancellation of Debt to the IRS for XXXX year XXXX in the amount of {$7700.00}, with a cancellation date of XX/XX/XXXX. My IRS Wage and Income Transcript describes the debt as a RETAIL AUTO CONTRACT and lists the identifiable event as Creditors debt collection policy. This reporting is highly concerning because my IRS Wage and Income Transcript also shows that Ally previously reported a Form XXXX Cancellation of Debt for tax year XXXX in the amount of {$1500.00}, with a cancellation date of XX/XX/XXXX. Both entries appear to be from Ally Financial, but they show different account number endings and different canceled debt amounts. I dispute the accuracy and validity of the XXXX Form XXXX for {$7700.00}. I do not understand how Ally calculated this amount, and I do not believe this amount reflects what was actually owed on the vehicle. I am also concerned that Ally may have reported cancellation of the same underlying vehicle debt more than once, years apart. I have attempted to contact Ally by phone but have not been able to get this resolved or reach the proper department. This is not simply a billing question. This is a tax reporting dispute that affects my IRS records and could create an incorrect tax liability. I am requesting that Ally provide a full written explanation and accounting, including : XXXX. The original retail installment contract XXXX. The vehicle surrender or repossession date XXXX. The date the vehicle was sold XXXX. The sale or auction proceeds received XXXX. The balance owed immediately before the sale XXXX. All fees, interest, repossession costs, storage fees, auction fees, legal fees, recovery fees, or collection costs added XXXX. How the XXXX Form XXXX amount of {$1500.00} was calculated XXXX. How the XXXX Form XXXX amount of {$7700.00} was calculated XXXX. Why Ally issued a second Form XXXX years after the vehicle was surrendered XXXX. Whether the XXXX Form XXXX is a duplicate, correction, separate account, or separate cancellation event XXXX. Whether any amount reported in XXXX was already included in the XXXX Form XXXX XXXX. Whether Ally will issue a corrected Form XXXX to me and the IRS if XXXX XXXX reporting is incorrect or duplicative I am asking Ally to investigate this matter, provide documentation supporting the XXXX Form XXXX, and correct any inaccurate or duplicate reporting with the IRS.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America restricted my XXXX profile and I can no longer send or receive payments via XXXX XXXX Bank of America or any other banking platform I use. I asked Bank of America why they did this and they refused to give me any evidence of any wrong doing on my part. I am seeking help to get concrete proof from Bank of America on what XXXX terms and services I have violated and why they restricted my XXXX 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 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I have two personal loans that needs to be paid out I caught up with one of them but the other will be too difficult to catch up to right away. I have one loan worth XXXX and another XXXX. I need assistance with the loan that is worth 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 non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX Im a severely XXXX veteran with brain damage who cant use the telephone or communicate verbally. My {$1000.00} XXXX check comes in on the XXXX of the month and I immediately disburse the entire amount onto my monthly bills. I was paying Chase first and making my loan payment immediately when my check arrived. I was not aware that Chase processes anything before the XXXX of the month onto last months payment. I was making my monthly payment immediately and it was a couple months before I discovered that Chase was NOT putting my payment onto the correct monthly payment but rather applying it to the last month and then charging me an additional fee for being XXXX XXXXnough to give you money. I made repeated attempts to straighten out the account but was met with Chases SHOCKINGLY MISERABLE CUSTOMER SERVICE, and Chases refusal to work with your customers to solve a problem. 1-Time Offer, Take it or Dont I owed Chase Bank {$590.00} when you started XXXX on me for being the wrong kind of XXXX. I will give you {$40.00}, once, plus {$50.00} a month for 11 months, to pay off the {$590.00} that I honorably owe Chase, over the next 11 months. However, I have no personal responsibility or civic duty to get ripped off by a parasitic thieves who feed on broken people for a living and there is nothing that Chase can do to get more than {$590.00} from me. I will make this 1-time offer to close this account out honorably on my part. I really do not care whether you take the offer or not. I do not want this account. Chase has proven to be a very dishonorable scam organization that purposefully steals from XXXX people. I have perfect credit other than this XXXX account, but Im also XXXX XXXX XXXX and do not care about my credit report, so I dont have to get EXTORTED by you sleazy thieves, in order to protect my credit rating. I dont have to put up with having you people crapping on me for being the wrong kind of XXXX simply so you can make money off the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citi makes it incredibly difficult to close an account. They mark my account inactive and force hard processes to reactivate. I can not close my account and take out my money.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a formal complaint against Bank of America for improperly denying multiple disputes involving services not rendered as agreed, despite clear and substantial evidence. Claim numbers : * XXXX ( {$2500.00} ) * XXXX ( {$3000.00} ) * XXXX ( {$6500.00} ) Total disputed amount : {$12000.00} These charges relate to a XXXX XXXX for which I paid for the use of XXXX a material component of the procedure. XXXX was not used, as confirmed by XXXX XXXXXXXX and supporting medical documentation. This is not a dissatisfaction or outcome-based complaint. This is a billing dispute for a specific component of a service that was paid for but never provided. Charging for a component that was not used constitutes fraudulent billing, breach of contract, and malpractice. The physician involved has since been suspended and removed from the clinic, and there is an active complaint and investigation with the Florida Department of Health. There is also evidence indicating that medical documentation related to this procedure was falsified, which is part of the ongoing regulatory concerns. I provided Bank of America with : * Proof of payment for the procedure including XXXX XXXX XXXX and medical documentation confirming XXXX was not used * Documentation regarding the providers suspension and regulatory investigation Despite this, Bank of America denied my claims after what appears to be an inadequate and cursory investigation, and failed to properly classify this dispute. Instead of recognizing this as services not rendered as agreed, the bank mischaracterized it and denied reimbursement. It has now been nearly one year, and Bank of America has failed to conduct a reasonable investigation or appropriately consider the evidence provided. I am requesting : 1. Immediate reopening and proper classification of all claims as services not rendered as agreed 2. A thorough, good-faith investigation of all submitted evidence 3. Full reimbursement of {$12000.00} All supporting documentation is attached for review.

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 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
My property taxes and home ins amounts have been adjusted with credits to refund the escrow shortage. However I can get my credits posted correctly and my new mortgage payment corrected. I have been in contact with Freedom Mortgage several times a week and each time the funds are not credited properly and I do not understand any of the amounts they are telling me I owe to correct this problem. I have tried everything I know to do to correct this problem. Please me help me get clarification on this matter.

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 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: NY

Complaint narrative:
I missed my payment by XXXX days for my student loans, but I was not able to even afford to keep up with my credit card debt. Back in the beginning of XX/XX/year>, I received a settlement check I been waiting for for XXXX years due to an injury and I was able to pay off my credit card debt. I also went away to XXXX XXXX XXXX boot camp from XXXX to XXXX and that set me off track from everything. I submitted a request to redo my payment plan with Ed Financial and they accepted but are telling me they cant remove the negative remark on my credit for the missed payment, but that does make sense because they approved my XXXX repayment that starts next month. I understand I missed my payment but it was my first time, and I wasnt even able to afford my own expenses, and this has hurt my credit to the point where its going to hold me back and put such a bad burden on my life for the next XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i tried to call the company about a fruadant call. could not get through phone system/. went to social media. i told them i got a call saying they were city bank credit card. non XXXX number could bot identify them. didn ; t give any info. got a couple of calls could not verify them. this is the response on social medis. Regrettably, we can not guarantee the number that will display but we will call as close to XXXX as possible. XXXX That will work, XXXX XXXX XXXX of our specialists will reach out to you tomorrow morning between XXXX XXXX. Please be aware that your caller ID may not display that Citibank is calling. Have a great evening. XXXX XXXX how can i protect if i can ; t verify the caller?

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 2026-05-06 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: Chime Financial Inc
State: NJ

Complaint narrative:
XXXX XXXX [ Date ] Chime Bank Customer Support / Account Services Subject : Formal Notice Account Closure, Revocation of Authorization, and Dispute of Unauthorized Transactions Dear Chime Bank, I am writing to formally request the immediate closure of my Chime account and to place on record a dispute regarding unauthorized transactions involving XXXX. I previously contacted Chime to block and revoke authorization for any further charges from XXXX. Despite this request, additional funds were still withdrawn from my account. Because I clearly revoked authorization, any transactions processed after that point are unauthorized. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), I am not responsible for unauthorized electronic fund transfers once proper notice has been given to my financial institution. At this time, I am requesting the following : - Immediate closure of my Chime account - A full investigation into all transactions from XXXX after I requested a block - Reimbursement of any unauthorized debits processed after my revocation of authorization - Written confirmation that my dispute has been documented Additionally, I dispute any alleged balance related to XXXX. If the merchant believes funds are owed, they XXXX pursue the matter directly. I will address any such claims through proper legal channels. Please be advised that I am documenting this matter carefully. Failure to properly investigate or resolve unauthorized transactions XXXX result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Please confirm receipt of this request and provide written confirmation once my account has been This what I tried to send them after being on the phone for hours nd said they have no email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
Supplemental Information to Existing Complaint I am submitting additional information related to my previously filed complaint regarding. Since filing my complaint, FNBO has issued written confirmation that my credit limit reduction was due to a delinquency classification. This supports my concern that the adverse action was based on a single late or XXXX late payment event. Additionally, FNBO continues to withhold approximately {$2300.00} of a payment that has already been withdrawn from my bank account, while only partially releasing {$340.00}. This inconsistency in payment processing remains unresolved. These issues continue to impact my available credit and financial access. I respectfully request that this supplemental information be added to my existing complaint for review. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
avant is making it very difficult to make payment its going to impact my credit score now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hello, I am writing to formally file a complaint regarding a XXXX credit card application I submitted approximately three months ago. I recently learned that my application was closed due to a credit freeze on my XXXX report. However, I was never contacted - either by mail, email, or phone - regarding this issue or given the opportunity to resolve it. Because of this lack of communication : - I was unaware that any action was required on my end - My application was closed without my knowledge I have now lost access to the promotional offer that was available at the time I applied. XXXX points, and more importantly, a companion pass through XX/XX/27. Had I been notified, I would have promptly lifted the freeze and completed the application process. I am requesting the following : - A review of my original application - Consideration for approval under the original promotional offer terms An explanation as to why no communication was sent regarding the need to lift the credit freeze I believe this situation reflects a failure in the application notification process, and I would appreciate a resolution that fairly reflects the circumstances. Please let me know what documentation or steps are needed to move this forward. Thank you for your time and attention. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I placed an XXXX XXXX order from XXXX after specifically shopping through the XXXX section and selecting XXXXeligible food items. At checkout, the order displayed XXXX XXXX XXXX XXXX XXXX and the payment breakdown indicated that approximately {$51.00} would be charged through XXXX XXXX while only the remaining balance ( delivery fees/tip ) would be charged to my debit card through Cash App. I relied on this checkout/payment representation when placing the order. Instead, the full transaction was processed to my Cash App debit card. I immediately contacted XXXX XXXX support and received multiple inconsistent explanations, including : - being told I could change the payment method after delivery,- later being told the payment method could not be changed,- later being told items were not eligible, - and later being told a XXXX party determined eligibility. I submitted screenshots and supporting documentation to Cash App showing : - the XXXX XXXX XXXX XXXX XXXX checkout/payment display, - the transaction details,- and the contradictory responses from XXXX support. Cash App initially issued a provisional credit of {$51.00} but later withdrew the provisional credit and denied the dispute, stating that no error occurred. I do not believe the dispute was adequately investigated because the core issue the checkout/payment representation versus the actual processing of the transaction was not properly addressed. I am requesting : - review of the adequacy of the investigation, - review of the submitted evidence, - copies of the documentation relied upon in denying the dispute, - and reconsideration of the withdrawn provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My accounts are with BofA. I put a XXXX {$9000.00} medical expense on my credit card. I fully paid this charge off in XXXX cycle before the medical insurance could settle. Once my insurance paid, I was refunded {$3600.00} by my doctor to my credit card as an overpayment. Ive requested for those fully settled funds to be moved back to my checking account instead of kept as a credit on my credit card account. I have been told they may or may not refund me this credit, if they do refund me this credit it will be 10 days or more. I have asked for a reference number and they wont provide one to me. I cant find an email but I have made a request by phone and another through a feedback form. I have referenced that this is a violation of the Truth In Lending Act 12 CFR 1026.11 Treatment of Credit Balances is part of Regulation Z.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
The following accounts appear on my EARLY WARNING CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following information be deleted from my EARLY WARNING CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Date : XX/XX/year> Complaint Against : Resurgent Capital Services L.P. and LVNV Funding LLC Subject : Failure to Properly Validate Alleged Debt / Continued Collection Activity I am filing this complaint against Resurgent Capital Services L.P. and LVNV Funding LLC regarding an alleged debt they claim to own and collect. On XX/XX/year>, I disputed the account and demanded validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, Resurgent responded only with an account summary report. This summary did not provide the documentation required to validate the debt. It did not include : A copy of the original signed contract or agreement; A complete chain of title/assignment from the original creditor to LVNV Funding LLC ; A bill of sale identifying my specific account ; A full accounting of the alleged balance ; Documentation establishing their legal authority to collect. On XX/XX/year>, I sent a formal Second Notice explaining these deficiencies and demanding proper validation within 15 days. As of today, the deficiency remains uncured. I believe Resurgent and LVNV are attempting to collect and/or report this account without providing legally sufficient validation, while improperly shifting the burden to me to provide additional information. Requested Resolution : Require Resurgent and LVNV to provide proper debt validation ; OR Require deletion of the account from all consumer reporting agencies ; Cease collection activity until proper validation is provided ; Investigate for FDCPA and FCRA compliance violations. Supporting documents attached : Initial dispute letter, Resurgent response dated XX/XX/year>, Second Notice dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation