vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 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: FL

Complaint narrative:
Following the incident, I complied with all instructions provided by Bank of America, including contacting XXXX, my mobile carrier, and the receiving institution. No evidence of device compromise was identified, and the receiving institution confirmed that the account in question was not associated with me and required bank-to-bank communication for further action. Despite this, Bank of America did not complete the necessary institution-to-institution inquiry and instead continued to direct me to obtain information that I am not legally able to access. The bank subsequently denied the claim without providing supporting evidence or demonstrating that appropriate investigative steps were taken.

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 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: LA

Complaint narrative:
On or about XX/XX/XXXX, I received a parking ticket from the XXXX of XXXX XXXX. The fine was {$30.00} I appealed the ticket, but was found responsible. The City issued notice of responsibility on or about XX/XX/XXXX ( see attached Administrative Hearing Decision - Responsible ) ( " Notice Date : XX/XX/XXXX '' ). In the notice, the XXXX purported to claim that the total due would increase to {$60.00} -- if the fine was received after XX/XX/XXXX -- and {$90.00} if received after XX/XX/XXXX. Both dates had already passed by the time the XXXX had issued the notice. Nevertheless, I paid the {$30.00} fine within XXXX days of the date of notice, on XX/XX/XXXX ( see attached check ). On the check I stated : " Negotiation of check by payee waives all late fees and other penalties. '' The XXXX negotiated the check. On or about XX/XX/XXXX, I received a Notice of Assignment to a Collection Agency from Professional Account Management , LLC, on behalf of the City, attempting to collect {$60.00}, presumably the purported increased fine. In attempting to increase a fine by establishing a deadline that had already passed ; waiving all late fees and other penalties, but then attempting to collect on those fees and penalties ; and, thereafter assigning the account to a collection agency and attempting to collect on those fees and penalties the XXXX and XXXX has and is engaging in fraud and ill practices, and is liable for breach of contract.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing a complaint regarding an unauthorized ATM withdrawal of {$440.00} that occurred on XX/XX/year>. I did not make or authorize this transaction and was not in possession of my debit card at the time. I promptly reported the fraud to my bank and opened a dispute ( Case # XXXX ), and I also filed a police report with the XXXX Police Department ( Report Number : XXXX ). Despite providing this documentation, my claim was denied and the temporary credit was reversed, with the bank stating the transaction was authorized. No clear evidence has been provided to support this determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am disputing a {$1900.00} unauthorized debit card transaction posted on XX/XX/year> to my Capital One account. I did not authorize this transaction, did not make the purchase, and did not receive any goods or services. I reported this transaction as fraud and filed a dispute with Capital One. The claim was denied based on generalized factors including chip and PIN usage, prior merchant history, account activity, and login data. However, no specific evidence of authorization was provided. I requested transaction-level proof including authentication details, PIN verification logs, and transaction method ( chip, contactless, or manual entry ), but this information was not provided. My card had previously been lost and replaced during a move, creating a possible compromise risk. I have never shared my PIN with anyone. I am requesting a full reinvestigation of this unauthorized transaction and that Capital One provide verifiable proof of authorization or issue a refund for the {$1900.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy and completeness of this account as reported to Equifax , Experian, and TransUnion under the Fair Credit Reporting Act. The tradeline contains inconsistent or potentially inaccurate XXXX XXXX data fields, including payment history and account status that do not align with my records or supporting documentation. These discrepancies may be causing the account to be reported in a misleading manner that does not reflect accurate furnishing standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corporation regarding undisclosed and/or improperly disclosed interest charges on my auto loan for a XXXX XXXX . At the time of loan origination, I was not clearly or adequately informed of how interest would accrue, be calculated, or materially increase the total cost of the loan. The terms were not explained in a transparent or understandable manner, and I believe I did not receive proper disclosure required under federal lending laws, including the Truth in Lending Act ( TILA ). As a result, I dispute the accuracy and fairness of the interest charges applied to my account. I am requesting a full investigation and immediate correction of my account. Requested resolution : Full itemized accounting of all principal, interest, and fees Removal of improperly assessed interest charges Recalculation of the loan balance based only on properly disclosed lawful terms Refund or credit of any overcharged amounts I am also requesting copies of all signed loan documents, disclosures, and amortization schedules related to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: MD

Complaint narrative:
I disputed a {$170.00} charge from Club Pilates ( XXXX * XXXX ) for services not rendered. This dispute is not about cancellation. It is about merchant non-performance and Discovers failure to evaluate the actual contract terms and facts. On XX/XX/year>, I arrived for scheduled classes during posted business hours. The studio was closed, unstaffed, and inaccessible. No instructor was present, no staff was present, and no notice was given. As a result, I was unable to use expiring credits that were set to expire that same day. The merchant later attempted to roll over or extend those credits into the next billing cycle. However, the merchants own membership agreement prohibits rollover of credits. In other words, the merchant relied on a remedy that its own contract does not allow. XXXX nevertheless denied my dispute by relying on the merchants generic membership agreement, without addressing this contradiction. First dispute : XXXX denied the claim and later admitted my documentation had not been properly reviewed. I was instructed to resubmit evidence. Second dispute : I resubmitted detailed documentation explaining that : XXXX the service was not available on XX/XX/year>, XXXX my credits expired that same day due to the merchants failure, XXXX the merchants own contract prohibits rollover of credits, and XXXX the merchant therefore could not cure its breach by extending those credits. The dispute was denied again without any meaningful explanation of how the merchants contract authorized this charge or how the contracts no-rollover provision was reconciled with the merchants claimed solution. Phone escalation : A XXXX representative stated that the merchants membership agreement overrode my evidence, but could not identify which clause authorized charging for services not rendered or explain how the merchant was allowed to roll over credits when its own contract bars rollover. I was then told to work directly with the merchant, despite the merchants prior breach and refusal to resolve the matter. Issue : XXXX did not conduct a fair reinvestigation. It relied on the merchants general cancellation and billing language while failing to evaluate the specific evidence and contract contradiction I submitted. This is not a simple cancellation dispute. It is a dispute about services not rendered and a merchant attempting to alter or disregard its own contract terms after failing to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid {$2100.00} for a Turkish airline plane ticket using XXXXCitibank Credit Card XXXX XXXX XXXX XXXX XX/XX/year> for XXXXXXXX XXXX XXXX XXXX XXXX. Once I arrived at airport to fly from XXXX XXXX to XXXX XXXX XXXX and I was told by XXXX XXXX gate agent I could not fly or board plane since they were unable to confirm payment for my plane ticket. I was refused service even though I had confirmed payment on my online access to XXXXCitibank Credit Card XXXX XXXX XXXX had paid in full and my account in good standing. I called XXXXCitibank Credit Card XXXX XX/XX/XXXX and they in turn said I needed to call XXXX XXXX and it was their fault and problem to provide paid for service so I contacteXXXX XXXX XXXX XXXXd they in turn said contact XXXX/Citibank Credit Card XXXX and XXXX XXXX XXXX and Credit card company said XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX back and forth and back and forth. Getting NO HONEST ANSWERS who could solve this!

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 2026-04-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the denial of my unauthorized ACH dispute involving a company identified as XXXX. Multiple ACH debits of {$460.00} were withdrawn from my account over several months. I did not knowingly authorize recurring withdrawals. Any information I provided was obtained through misleading and deceptive practices, as I believed I was interacting with a legitimate loan provider. I reported these transactions and submitted a Written Statement of Unauthorized Debit. Navy Federal initially issued partial provisional credit of {$930.00}, indicating acknowledgment of unauthorized activity. However, they later denied the remaining transactions after relying solely on documentation provided by the merchants bank. I requested copies of the documentation used to support this decision, including proof of authorization, but this was not provided. Authorization obtained through deception or material misrepresentation is not valid under Regulation E. Navy Federal failed to evaluate whether the authorization was clearly and knowingly given and instead relied only on merchant-provided information. There is also a clear pattern of repeated identical debits, which shows this was not a series of separate authorized transactions but part of a continuous unauthorized withdrawal. I am requesting a full re-investigation, reimbursement of all unauthorized transactions, and copies of all documentation used in the denial decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

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 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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

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 2026-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request a review and correction regarding a Form XXXX issued in my name for theXX/XX/2023 tax year. According to the document provided, a corrected Form XXXX was XXXX by Nonprofits Insurance XXXX XXXX California XXXX {$7500.00} as Other Income under Box XXXX, with no federal income tax withheld. I am disputing the accuracy and classification of this reported income. This amount does not accurately reflect taxable income in a manner that has been properly explained, validated, or supported. Additionally, I was not provided with sufficient documentation at the time of issuance to justify how this amount was calculated or why it was categorized as miscellaneous income. This discrepancy has caused significant financial hardship and has directly impacted my ability to properly file my taxes and receive any refund I may be entitled to. Reporting income without withholding, particularly when it is unclear or potentially misclassified, places an unfair burden on the recipient and raises serious concerns regarding compliance and reporting accuracy. I am formally requesting the following : A full explanation and breakdown of how the {$7500.00} amount was determined. Verification that this income was correctly classified under IRS guidelines. Immediate correction or reissuance of the form if any errors are identified. Assistance in ensuring that any resulting tax liability is corrected and that I receive any refund owed to me. If this matter is not resolved promptly, I will have no choice but to escalate this issue through the appropriate regulatory agencies, including the Internal Revenue Service and other governing bodies, for further investigation. Please treat this matter with urgency, as it directly affects my financial stability and tax obligations.

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 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
NewRez is attempting to charge me for taxes associated with parcel number XXXX XXXX in XXXX XXXX, Georgia. Public records clearly show that this parcel belongs to XXXX XXXX XXXX XXXX and has no connection whatsoever to me My loan is tied to my condominium, which corresponds to parcel number XXXX XXXX. XXXX XXXX XXXX confirm that all taxes on this property have been paid in full ( by me always ) We have already provided supporting documentation multiple times over XX/XX/XXXX months to NewRez. Over the past XXXX months, we have made numerous phone calls and spent hours attempting to resolve this issue. Despite this, the matter remains unresolved. A simple review of publicly available county records would confirm her consistent payment history dating back to 2007 and property taxes consistently paid timely and in full.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/year> Chime allowed someone to fraudulently do ach transfers from my account to his. I went to jail XX/XX/XXXX and was released XX/XX/XXXX. Someone transfers all my money from my account to theirs from XX/XX/XXXX to the XXXX. I provided Chime with the jail papers showing when I was incarcerated and when I was released also the paperwork where I filed the police report. Chime has denied me XX/XX/XXXX times. I lost everything behind them stealing my ssd check out of my account. I was just denied again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the accuracy, transparency, and servicing practices related to my mortgage escrow analysis and resulting payment increase following a servicing transfer and recent account review. The escrow analysis provided does not clearly demonstrate that my payment increase is based exclusively on verified, current third-party tax and insurance data. Instead, the calculation appears to incorporate projected, estimated, or unverified figures that have not been substantiated with official documentation. I have not disputed my current property tax obligation, and I have been informed that my homeowners insurance has not changed. Despite this, my monthly payment increased in a manner that is not clearly supported by a fully itemized or transparent escrow breakdown. To date, I have not been provided sufficient documentation to independently verify : XXXX. Whether tax and insurance figures are based on actual billed amounts versus projections. XXXX. How escrow shortages, cushions, or adjustments were calculated and applied. XXXX. The specific source data used to determine current tax and insurance obligations XXXX.A clear reconciliation between prior escrow estimates and the new payment structure As a result, I am unable to determine whether the escrow recalculation complies with standard servicing requirements for accuracy, transparency, and proper disclosure. Additionally, during communications regarding my trial payment plan and account status, I disclosed documented financial hardship, including a significant reduction in income, XXXX separate property flooding events, and ongoing financial strain. I also explained that my combined mortgage and HOA obligations exceed my current ability to maintain sustainable housing costs on my long-held residence of XXXX years. These concerns were not addressed with a clear, actionable review of affordability or available loss mitigation options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
XXXX sold my credits to XXXX XXXX XXXX, Day of Closing XXXX XXXX XXXX sold my credits again to VOLUNTEER MORTGAGE LOAN servicing and XXXX and used a 1099 to steal the money, then created a XXXX Insurance policy in my name and reclassified my credits as debt in spell/ XXXX XXXX XXXX XXXX XXXX. I have transferred the property to a trust, as the Original source Creditor and have done a Power of Attorney Revocation on everything in my XXXX Trademarked government enitity XXXX XXXX XXXX. The XXXX bonds have taken care of the " supposed reclassified credits/loan/debt '' that they stole. Please update your records to show that I the living XXXX, Trustee for the XXXX XXXX XXXX XXXX XXXX, have cleared this and have reported fraud, waist, and abuse to all the proper channels of the supposed pedophile government system. When a government derived for the people and of the people becomes corrupt and tyranical with usury and usurpation. It is the right of the people/ living men and women to remove them. The parasite custodians need to leave or wethepeople will remove them ourselves period. No bank account should ever be opened in my enslegis name that I didn't authorize. I never gave them trustee, benificiary, or fiduciary power, yet they are stolen from the estate which is now a trust.

Company response to consumer: Closed with explanation