vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Guild Holdings Company
State: VA

Complaint narrative:
I closed on a new mortgage with Guild Mortgage on XX/XX/XXXX, requested a payoff amount on approximately XX/XX/XXXX, received the payoff amount from Guild on XX/XX/XXXX, and submitted the payoff by wire transfer on XX/XX/XXXX. On approximately XX/XX/XXXX I received a check in the amount of $ XXXXfrom Guild with a description of only " funds to mortgagor ''. My calculation showed the amount of excess interest and escrow funds should have been {$4300.00} as explained below. 

I called Guild 's Payoff Department several times and finally reached " XXXX '' on XX/XX/XXXX. I related my concern over the differing amounts to XXXX who agreed it didn't look correct and said she would look into it and get back to me. When I didn't hear back from XXXX, I called back multiple times on XXXX and never got an answer to my calls. 

At this point I reached out to XXXX XXXX, Guild 's local representative on XX/XX/XXXX for help. XXXX said he would contact Guild 's servicing team for assistance. On approximately XX/XX/XXXX I received a response from Guild 's Payoff Department which consisted of only what appeared to be a printout from their internal system. The report was indecipherable and none of the numbers tied to anything I could find on my closing documents. I requested a better explanation from XXXX on XX/XX/XXXX and provided the information below : " To summarize the situation : At closing on XX/XX/XXXX, I paid {$2700.00} in interest covering the period XXXX I paid an additional {$2200.00} in interest covering the period XXXX as stated in the Payoff Demand Statement Total interest paid was {$5000.00} ( $ XXXX {$2200.00} ) The payoff was made by wire transfer on XX/XX/XXXX which would have resulted in {$1500.00} ( XXXX ) interest earned. 

I'm due a refund of {$3400.00} ( $ XXXX {$1500.00} ) in interest paid but not earned. 

In addition, I should receive the impound amounts for taxes and insurance, {$520.00} and XXXX, respectively, for a total of {$860.00}. 

The total amount refunded that should have been refunded is {$4300.00} ( $ XXXX {$860.00} ) The amount actually refunded via check XXXX XXXX {$2800.00} This leaves a balance of {$1400.00} ( $ XXXX {$2800.00} ) still owed to me. 


Please send a check for {$1400.00} or CALL me to resolve any disagreement. '' I have yet to receive a check or any clarification from Guild

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
This complaint concerns Citibank, N.A.s handling of a credit card billing dispute under the Fair Credit Billing Act, not a complaint against the merchant. Please route to Citibank In XX/XX/year>, I contracted with XXXX XXXX XXXX XXXX XXXX based on specific verbal representations regarding pricing, services, and staffing. I paid a {$1500.00} deposit on XX/XX/year>. On the scheduled move date, XXXX XXXX XXXX did not appear. Instead, an undisclosed subcontractor, XXXX XXXX XXXX, arrived without prior notice or consent. I was then presented with materially inflated charges that contradicted the agreed estimate and was explicitly threatened that my household goods would not be loaded or delivered unless I paid immediately. Under coercive conditions, without a reasonable ability to refuse or seek alternatives, I paid an additional {$1300.00} on XX/XX/year>. Authorization obtained under misrepresentation and coercion is not valid authorization. I timely disputed both charges with Citibank and provided documentation demonstrating bait-and-switch pricing, undisclosed subcontracting, and coercion at the point of payment. Citibank failed to conduct a reasonable investigation as required under Regulation Z and the Fair Credit Billing Act, relied solely on merchant assertions, ignored the evidence submitted, mischaracterized the dispute as services received, and later denied the dispute on the basis of age only after mishandling the dispute process. Citibank failed to address material misrepresentation, coercion, or invalid authorization and improperly denied the dispute.

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 2025-12-30 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: AL

Complaint narrative:
Paid CC off in full XX/XX/XXXX ( monthly due date ) Called and spoke with someone ( I have name and ID ) was assured no late charge if didnt post until following day but she could see payment. I am receiving a bill still with late charges and interest since XXXX. This was paid in full. It is now a total of XXXX. They are only willing to remove XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Formal Complaint : Lack of Reasonable Access to Transaction Records I am submitting this as a formal complaint regarding Bank of Americas failure to provide reasonable electronic access to historical credit card transaction records. 

As of XXXX, Bank of America offers no self-service method to retrieve a full year of transactions for a single merchant. Customers can not search historical transactions by merchant, can not export a year of data, and can not specify date ranges for transaction downloads. The only available export is limited to current transactions, and the Spending & Budgeting tool restricts users to single-month views with no aggregation or export capability. 

The practical effect is that customers are forced to manually open and search each monthly PDF statement to reconstruct basic annual transaction histories. This is a material degradation of access compared to industry peers and creates unnecessary barriers to auditing recurring charges, validating billing accuracy, and resolving disputes. 

Competing issuers including XXXX, XXXX XXXX, and XXXX XXXX provide merchant-level transaction search and multi-month or annual exports as standard functionality. Bank of Americas decision not to do so appears to be a deliberate product design choice rather than a technical limitation. 

I am requesting : A substantive explanation for why Bank of America restricts access to historical transaction data ( i.e., XXXX ) in this manner Confirmation of whether this limitation complies with applicable consumer protection and record-access expectations Disclosure of whether there are plans to restore reasonable merchant-level search and export functionality Please ensure this complaint is reviewed by the appropriate compliance or product governance team rather than customer support. A generic response directing me back to existing tools would not address the substance of this complaint.

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 2025-12-30 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: AZ

Complaint narrative:
Company involved : Chime Bank Description of what happened : On XX/XX/year>, my debit card account with Chime Bank was compromised and charged multiple times by a merchant called Whatnot, a merchant I do not recognize and have never knowingly used. These charges occurred in rapid succession and drained my account. 

At the same time the unauthorized charges were occurring ( approximately XXXX XXXX PM ), I was physically present at a XXXX location attempting to complete a legitimate shipping transaction. My XXXX transactions were repeatedly declined due to insufficient funds caused by the unauthorized Whatnot charges draining my account balance. 
Within minutes of noticing the suspicious activity, I froze my card and contacted Chime Bank by phone. During that call, the representative stated the activity was concerning and issued a replacement card, indicating acknowledgment of potential fraud. 
The total unauthorized loss is {$100.00}. This amount includes the fraudulent Whatnot charges as well as an additional {$20.00} loss that occurred because my legitimate XXXX transaction was denied after my account had already been drained by the unauthorized activity. 

I reported the unauthorized transactions promptly and submitted supporting documentation, including transaction screenshots, call logs, and XXXX tracking information showing I was attempting legitimate in-person use at the time of the fraud. 
Despite this, Chime Bank denied my unauthorized transaction claim. I formally appealed the denial, provided the same evidence again, and attempted to resolve the matter by phone after being sent a link to submit additional information. During that call, I explained the situation multiple times, but the representative repeatedly requested new information without explaining what was missing or acknowledging the evidence already provided. My written appeal was not meaningfully addressed. 

Chime Bank has not provided a written explanation of how it determined these transactions were authorized, nor has it confirmed whether merchant, device, IP, or delivery information was reviewed as part of its investigation.

I am requesting reimbursement of the full {$100.00} and confirmation that Chime Bank conducts a proper investigation consistent with its obligations under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Acra Intermediate Holdings, LLC
State: GA

Complaint narrative:
Please see INCORRECT ACCOUNTING DOCUMENT ATTACHED XXXX. Borrower has never received a XX/XX/year> - {$6500.00} refund listed XXXX spreed sheet XXXX. Where is the borrow 's XXXX payment credit in the amount of {$3100.00} XXXX. Please place real legal definitions to each payment and not Specified Funds, I don't know what this mean, XXXX. Please email borrower a definition sheet with all the legal terms for citadel  XXXX. For each line items, please email borrower a definition for each item charged XXXX. 40 % of all items listed on the attached spread sheet are incorrect XXXX. Please explain ALL of the Funds Application line items XXXX. A line was placed in XXXX, No tax payment was made to borrower 's tax commissioner XXXX. The aforementioned documents are erroneous and improper, Please email proper account and in the manner borrower has deemed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was approved for a wells fargo reflect credit card with a {$10000.00} limit. Last XXXX digits XXXX. XX/XX/year> After using and paying on time over 20 months they lowered my credit limit from XXXX to {$3400.00} which was just over my balance. This caused my XXXX XXXX to drop from XXXX to XXXX. This conduct was uncalled for without no good reason.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
( Identity Theft Unauthorized Account Demanding Removal XXXX XXXX XXXX XXXX am disputing the LVNV Funding/ Just Energy account being reported on my credit file in the amount of {$690.00}, because this account is the result of identity theft and the unauthorized use, transfer, and sale of my personal information without my knowledge or consent. 

I have never opened, authorized, applied for, or consented verbally or in writing to any account or service with XXXX XXXX or LVNV Funding. I do not owe this company and have no relationship with them. Any account they claim to own or collect was created without my permission and is fraudulent.

LVNV Funding acquired, sold, traded, and transferred my personal information for monetary gain without my authorization, and they are now attempting to collect on an account that I did not create and do not legally owe. This is an unauthorized debt tied to identity theft and the reporting is harmful, inaccurate, and unlawful. 

I have formally disputed this account and demanded validation. To date, no signed contract, identity verification, application record, IP logs, or proof of consumer authorization has been provided. Instead, the company continues to report and attempt to collect a debt that does not belong to me. 

This situation constitutes : Unauthorized use and XXXX  of my personal information Failure to validate debt prior to continued reporting/collection False and inaccurate reporting to credit bureaus Consumer harm caused by fraudulent account reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX Account Account No. XXXX Balance {$2400.00} To Whom It May Concern : This statement is submitted in support of a complaint against XXXX XXXX XXXX XXXX XXXX and any third-party collection agents retained by them regarding the above-referenced account. 
I have received repeated communications regarding this account, including emails sent to an incorrect address ( XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ), and have been subject to ongoing harassment for months. This account originally belonged to XXXX and is currently being collected by XXXX XXXX XXXX XXXX XXXX. 
I have formally disputed this account and requested lawful validation. XXXX XXXX XXXX XXXX XXXX and any agents retained by them have failed to provide competent evidence bearing my signature or documentation establishing a contractual obligation. Despite this, they continue to contact me and report this account to consumer reporting agencies.

This conduct constitutes willful non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to provide proper validation Continued reporting and collection activity after dispute Harassing communications, including to incorrect addresses Furnishing unverifiable and misleading credit information This inaccurate reporting and harassment have caused financial harm and emotional distress. I respectfully request that the Consumer Financial Protection Bureau require XXXX XXXX XXXX XXXX XXXX to immediately : Cease all collection activity toward me, including via email, phone, or mail. 
Correct the address on file and stop sending communications to the wrong address. 
Delete this account from all consumer reporting agencies until proper validation is provided. 
Attached are copies of prior communications, emails, and credit report entries for your review. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a complaint regarding unauthorized transactions totaling {$600.00} on my account. 
There were XXXX ATM withdrawals for {$200.00} consecutively. I reported these transactions promptly after discovering them and filed an official fraud/unauthorized transaction claim. Despite this, the company closed the claim without conducting a reasonable investigation and later verbally denied the appeal over the phone, without providing evidence, documentation, or a written explanation supporting the denial. Every phone call was dismissive & rude, Wells Fargo is notorious for wrongfully denying people. 

I was not contacted for additional information, nor was I provided documentation showing how the transactions were determined to be authorized. The denial appears to violate the requirements of the Electronic Fund Transfer Act ( Regulation E ), which requires financial institutions to conduct a reasonable investigation into reported unauthorized electronic transactions.

I am requesting that the company : 1. Reopen the claim 2. Conduct a proper investigation compliant with Regulation E 3. Provide a written explanation and supporting documentation for any determination

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/year> SSN Last XXXX : XXXX Phone : XXXX XXXX XXXX XXXX  Date : XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Credit Acceptance Corp for FCRA/FDCPA Violations Dear CFPB Case Reviewer, I am filing a formal complaint regarding Credit Acceptance Corporation and their handling of an auto loan account involving a voluntary surrender. The company is furnishing information to the credit bureaus that is inaccurate, incomplete, unverified, and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Summary of Issues Account continues to report with an increasing balance after voluntary surrender without accounting documentation.

No deficiency calculation, sale proof, or post-repossession details provided.

No chain-of-title/verification proving right to collect a balance.

I submitted a direct dispute under FCRA 623 ( a ) ( 8 ) no adequate verification provided.

I requested validation under FDCPA 15 USC 1692g ( b ) no proper validation supplied.

Furnisher continues reporting despite dispute, which may constitute continued collection activity without validation.

What I Requested From Credit Acceptance Proof of legal ownership/collection rights Auction/sale documentation Deficiency breakdown & accounting records Validation of reported balance Correction/removal of unverified reporting None of this documentation has been provided.

Requested Action by CFPB I request that the Consumer Financial Protection Bureau assist in : Requiring Credit Acceptance to provide the validation documents listed above, or Ordering removal/correction of the tradeline if they can not verify the account accuracy. Investigating compliance failures under FCRA
623 ( b ) and FDCPA 1692g ( b ).

Evidence Available for Upload I can provide : My credit report showing the Credit Acceptance tradeline FCRA 623 dispute letter sent to the furnisher FDCPA validation request letter USPS certified tracking & proof of delivery Any correspondence received from Credit Acceptance

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION WITH, NOR RESPONSIBILITY FOR, THESE ACCOUNTS. THESE ENTRIES ARE INACCURATE AND UNVERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My auto loan was repossessed in XX/XX/year>. I paid the past-due balance in late XX/XX/year> ; the payment is processing and my account reflects {$0.00} past due. I requested reinstatement before any sale. 

The company demanded a {$600.00} repossession fee, which I disputed due to lack of documentation and unresolved vendor claims. Reinstatement and XXXX XXXX gave conflicting instructions about responsibility for the fee. 

Despite payment and a final written notice sent at XXXX XXXX, I was advised the vehicle may still be sold tomorrow. I requested written confirmation to halt the sale and release the vehicle, but no confirmation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my wife and I took a cab ride from the corner of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX establishment. The agreed fare for this ride was XXXX pesos ( about {$5.00} ). We arrived at the destination and the driver produced a hand-held credit card reader. I presented my Bank of America Visa card ending in XXXX for payment. The driver showed me the fee for XXXX pesos on the reader and I agreed to the transaction. When asked for a receipt to tip the driver, he said he didn't have XXXX. I did not sign any receipt and became suspicious of the transaction. I immediately checked my Bank of America application and noticed a pending charge for {$580.00}. So, I called Bank of America immediately to notify them of the fraud and they said I had to wait for the charge to clear to dispute the transaction. On XX/XX/XXXX, the transaction cleared and I opened a claim for the charge using the Bank of America application. On XX/XX/XXXX, the claim was denied with the reason, " The transaction posted to your account for the correct amount. We requested, but didn't receive from you a copy of the sales receipt or other documentation indicating the merchant charged the incorrect amount. '' I called Bank of America on XX/XX/XXXX and explained that I was not given a receipt and the agent reopened my claim. On XXXX, I received a notice from Bank of America that my claim was rejected a second time for the same reason. On XXXX, I contacted Bank of America and the agent indicated that the claim was filed incorrectly and needed to reopen it with more information requesting the merchant to provide additional information. As of XX/XX/XXXX, my claim is still pending investigation. I requested a temporary credit and Bank of America denied my request.

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