vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint regarding multiple systemic servicing issues and account actions by SchoolsFirst Federal Credit Union that interfered with my ability to manage funds, make payments, and maintain my credit. 

For the entirety of my relationship with this institution, the mobile app incorrectly calculated loan payment amounts. If a payment was not made on the exact due date, the app would immediately increase the amount due to reflect two full monthly payments as early as one day past due, even though the account was not 30 days delinquent. The app did not allow payment of the correct contractual amount or partial payments, forcing either overpayment or in-branch visits. This issue was raised multiple times at branch locations.

Separately, auto loan payments were automatically withdrawn from my checking account without clear disclosure or informed consent. Funds were swept daily in any available amount until the auto loan was satisfied, regardless of other pending obligations such as mortgage, credit card, or personal loan payments. This interfered with my ability to prioritize payments responsibly.

My debit card was blocked without notice or explanation. Additionally, when making credit card payments, the balance would decrease but available credit would not be restored, despite no fraud or disputes, limiting my ability to access credit.

For approximately five years, mortgage payments submitted through the app were immediately withdrawn, with posting occurring days later. In XX/XX/XXXX, the mortgage payment system was changed without notice and redirected to a new third-party system. After submitting my XXXX mortgage payment, funds were not withdrawn as they had historically been. While that payment was pending, available funds were instead applied to my auto loan, resulting in a false mortgage delinquency. 

In XX/XX/XXXX, I submitted formal complaints through the secure messaging system and received acknowledgments but no resolution. After a follow-up message requesting clarification, no further response was provided. On XX/XX/XXXX, my checking account was closed without prior notice, my personal loan was closed, my credit card was restricted, and wire transfers from my business account were rejected. I was not informed of these actions and only learned of them after transactions failed.

These actions caused significant financial harm, credit damage, and disruption to my business and an active business and real estate acquisition. I have documentation supporting the above events.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: OK

Complaint narrative:
Self Financial closed my secured XXXX credit card account on XX/XX/2026, and I submitted a written dispute that same day requesting a full breakdown of my {$2300.00} balance, itemization of interest/fees, treatment of my {$1600.00} security deposit, and final credit reporting status. They acknowledged receipt and closure, but failed to provide any itemized ledger, accounting history, or fee schedule. 

In their written reply, they incorrectly stated that only {$710.00} of my security deposit would be applied even though my full deposit on record was {$1600.00}. They did not explain where the rest of my deposit went, nor whether it will be refunded, absorbed by prior charges, or retained without disclosure. 

They have refused to : Provide a full accounting or payoff ledger Break down the remaining balance calculation Confirm what amount ( if any ) is refundable to me Explain how the account will be reported to credit bureaus This violates my rights under the Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( TILA ), and raises concerns of deceptive or unfair practices. 

I am requesting the CFPB require Self Financial to : Disclose how all interest, fees, and charges were applied Reconcile the full {$1600.00} security deposit Confirm whether any deposit will be refunded or withheld State how the account will be reported to credit bureaus Cease interest or balance changes post-closure Provide the full internal ledger and audit trail of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have 5 accounts with capital one and they have restricted me from using them and I have never missed a payment Nor late How can they close my account And if they closed they not letting me use them why do I have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made 2 complain about this already. So just to have it in writing. Well I will send you screen shots of claim they closing so honestly bank fraud department can actually call cops and investigate wells Fargo now is corrupt bank playing games since I spoke the truth and they just want pretending is on me they close my account why because I report fraud wellsfargo is doing to many people unfortunately XXXX XXXX maybe most of California is corrupt so I received a call from XXXX that's what he said his name was from claims I know they using all insiders so I dint get my money but inwill sue wellsfago and will try to make to dc is absurd and so sad customer from wells Fargo for XXXX years they stole from me and now they are all the victims and I am the bad person. I have try to fix this matter long time casino is one of the places with more security that another places correct so in each atm is a camara so as huge institutions wellsfago is they can definitely check the cards and cops seem police and wellsfargo and casino are up to something because this is a easy fix why because is camaras I sent the tines everything can be check I have report XXXX XXXX wellsfargo can check the IP of the transaction so is so much the bank can.do is not millionaires but to me I need my money back I will send you FBI claim and usa marshial because if this is local dc needs to know how they treating peolple just take their money so yes I need a review of my account because even they close it I will sue and do whatever I need to do to get my money is not okay they just take from innocent elderly people.

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 2026-01-22 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: GA

Complaint narrative:
Complaint Narrative I am filing a complaint regarding Capital Ones handling of a billing dispute for services not rendered. 

On XX/XX/year>, I was charged {$500.00} by a travel agent for planning services. The services promised included a completed itinerary and booking assistance. These services were never delivered. No itinerary, no bookings, no confirmations, and no tangible work product were provided. The only item ever received was a single email listing hotel website links. 

I submitted extensive documentation to Capital One, including : Screenshots showing repeated follow-ups and lack of response Evidence that no services were delivered A signed rebuttal explaining non-performance Despite this, Capital One closed my dispute multiple times stating that my documentation was insufficient, without addressing the core issue of non-performance of services. Capital One improperly treated this as a cancellation dispute rather than a services-not-rendered dispute.

Capital One reversed a provisional credit and instructed me to work directly with the merchant, despite the merchant failing to provide any proof of delivered services.

I am requesting that Capital One : 1. Reopen the dispute 2. Conduct a substantive review of the evidence 3. Reinstate and make permanent the {$500.00} credit This is a procedural failure, not a factual one, and I am seeking regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXX, I purchased a refrigerator using a Best Buy credit card issued by Citibank under an 18-month deferred interest promotion. I made consistent payments on the account and was approximately {$200.00} short of paying the full promotional balance before the promotion expired. As a result, Citibank added the full amount of deferred interest to the account. 

Since that time, I have continued to make consistent monthly payments for approximately five years. At this point, I have paid at least the original cost of the refrigerator and significantly more due to interest charges. Despite this, the balance has not meaningfully decreased because a high interest rate continues to be applied. 

Due to financial hardship, I recently contacted Citibank to request assistance, including a goodwill interest adjustment, partial reversal of the deferred interest, a reduced interest rate, or a structured hardship payment plan. These requests were denied, and no alternative options were offered.

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 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the servicing of my FHA mortgage by AmeriHome Mortgage and its servicer, XXXX. 

I have made repeated good-faith efforts to communicate with the company to resolve serious issues related to my mortgage servicing, transfer, and enforcement, but I have not received a meaningful resolution or accommodation. 

At the time I entered this mortgage, the transaction was represented to me as credit and homeownership. I did not understand, and was not clearly informed, that my promissory obligation could be sold, transferred, or converted into a monetized or securitized instrument, nor that such conversion could later be enforced in a manner that threatens displacement despite substantial value already exchanged. 

The loan was transferred or sold, and servicing was changed, yet I was not provided with clear explanations, a complete accounting, or transparent authority showing who currently holds the right to enforce the obligation. This lack of clarity has caused confusion, distress, and ongoing harm. 

In addition, the continued enforcement of this mortgage places a substantial burden on my sincerely held religious beliefs, which prohibit perpetual debt obligations and emphasize stewardship, fairness, and protection of the family dwelling from unjust displacement. I have formally requested religious accommodation and administrative review, but the servicer has not provided a meaningful response. 

Despite my efforts to communicate, the company continues to report the account and enforce the obligation in a manner that places my household at risk of housing displacement. The emotional stress on my family has been severe, including XXXX, fear of foreclosure, and disruption to our stability and well-being. 

I am requesting that the CFPB require AmeriHome Mortgage and XXXX to : Acknowledge and respond to my religious accommodation request. Provide a full and transparent accounting of the loan, including servicing transfers and authority to enforce. 

Review my account for all FHA loss mitigation and non-punitive resolution options. 
Pause foreclosure or enforcement activity while the matter is under review. 
Correct any inaccurate or incomplete reporting related to the mortgage. 

I am not refusing to resolve my mortgage obligation. I am requesting clarity, accommodation, and lawful administrative relief to prevent unnecessary and irreparable harm to my household. 

Loss of ones primary residence constitutes irreparable harm, and I respectfully request CFPB assistance to ensure fair servicing and protection of my housing stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I received a letter from Jefferson capital regarding an election that with a firm. The letter provided a reference number from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding an unreasonably prolonged and opaque mortgage loan assumption process with Chase that is causing financial harm and jeopardizing compliance with a court-ordered divorce judgment. 


I submitted my current loan assumption application in XX/XX/year>XXXX  following a finalized divorce judgment that requires removal of my ex-spouse from the mortgage. Throughout the review of this application, I was repeatedly advised verbally by multiple Chase representatives in the Life Events / Loan Assumption department that the review timeline would be approximately XXXX business days. 


Relying on these repeated representations, I planned legal and financial obligations accordingly. 


As of now, I have reached XXXX XXXX of that repeatedly stated review window. Despite my full cooperation and prompt submission of all requested documentation, Chase has not issued a decision, has not confirmed a firm timeline for completion, and has not provided a written explanation for why the review has exceeded the timeframe I was consistently told to expect. 


On XXXX XXXX, Chase requested updated paystubs and asset statements, which I uploaded immediately. However, during follow-up communications, I was advised only that the review can take longer and that the previously stated timeline was an estimate, without any alternative timeline or explanation. Chase has been unable to provide clear status information, a decision, or a firm timeline. 


This ongoing delay is causing material harm because the loan assumption is required under a court-ordered divorce judgment, and continued uncertainty places me at risk of being perceived as non-compliant due to circumstances outside my control. I also have XXXX XXXX  children whose housing stability depends on timely resolution. 


I am not seeking special treatment. I am requesting transparency, accountability, and either a prompt decision or a definitive, documented timeline for completion of this loan assumption review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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 am filing this complaint regarding Citis handling of a billing dispute that was denied multiple times despite clear merchant nonperformance. 

I purchased two nightstands from XXXX using my Citi credit card. After delivery and assembly, both items were visibly damaged and scratched. I immediately contacted XXXX customer service and spoke with a manager, who acknowledged the damage. The manager offered a partial discount if I kept the items, which I declined because I purchased new furniture and did not want damaged merchandise. 

XXXX then arranged for a freight pickup to retrieve the damaged items due to their size and weight. A pickup was scheduled, but no carrier arrived. I contacted XXXX again and was told another pickup would be arranged ; again, no one came. Despite repeated attempts on my part, XXXX failed to retrieve the defective merchandise. 

Importantly, I remained within XXXX return window throughout this process. The return deadline had not expired, and I can provide a screenshot showing that the order was still eligible for return. XXXX  failure to retrieve the items prevented me from completing the return. 

Citi denied my dispute, classifying the issue as a manufacturers warranty matter. This is incorrect. I am not seeking repair or replacement under a warranty. This dispute involves defective merchandise and the merchants failure to perform an agreed return pickup. 

I acted in good faith and made reasonable efforts to resolve the issue directly with the merchant. Citis denial reflects a misapplication of chargeback protections related to merchant nonperformance. I am requesting executive-level review and appropriate correction of this billing decision.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding a collection account being reported by F.H. Cann & Associates, LLC. I do not recognize this debt, and I am unsure who the debtor is. Despite this, the account is being reported on my credit report as an open collection. 
When I contacted F.H. Cann & Associates to request information and validation of the debt, the collector asked me to provide original documents, refused to provide written validation, was rude, and hung up on me. At no point did the agent provide details about the account or ask for my identifying information. 
This behavior violates the Fair Debt Collection Practices Act ( FDCPA ), which requires collectors to provide proper validation and communicate respectfully. Reporting an account I do not recognize also violates the Fair Credit Reporting Act ( FCRA ), which requires accurate information on credit reports.

I am requesting that F.H. Cann & Associates delete this account from my credit report immediately, as I can not verify it and the company has failed to provide proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Ive had a credit card with Synchrony Bank for about five years, and its been my main everyday card. It also makes up most of my total available credit. Ive never missed or been late on a payment, and at the time this happened my balance was low, even though it goes up and down with normal use. 
Without any warning, Synchrony cut my credit limit by about 75 %. The reason they gave was late payments and high utilization, neither of which is true. I have no late payments on this account, and before the cut my utilization was under 25 %, which I dont consider high by any reasonable standard. 
Because this card represented most of my available credit, the limit reduction immediately pushed the account to its max and caused my credit score to drop by XXXX points overnight. This decision seriously damaged my credit profile and now makes it harder for me to qualify for a replacement card, which Im actively looking for after this experience.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I have been a victim of identity theift and fraud what happen is I was watching a XXXX video a couple of days ago and this ad popped up and it was telling me how I could protect my information and protect my data and phone number so that hackers or the phishing people couldn't get ahold of my stuff and so the app that it was called was XXXX so I downloaded it I put my info in it and I paid for it everything went well when I went to click on my monitoring section it gives me a list of things that I am signed into and it lets me know that it is secured as I'm going down the list I see where it says that a capitol one account is secured now I know for a fact I have never ever banked with capitol one in my life so I get out of the app go to capitol one site put in my info and it pops up someone has my social security number my name and birthday and I would like it to be shut down not only shut down but I want justice and also a freeze on my social security card so this won't ever happenagain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 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: OH

Complaint narrative:
I purchased XXXX XXXX computers through an online XXXX XXXX  from XXXX. After receiving the items, I discovered that all devices were permanently locked with XXXX XXXX XXXX, which prevents any use, reset, or resale. 

This condition was not disclosed in the auction listing. The listing only stated that the operating system might need to be installed, which is a temporary and fixable issue. XXXX XXXX XXXX is a permanent security restriction tied to the previous owners XXXXXXXX XXXX 

I contacted XXXX XXXX, and XXXX confirmed that the devices can not be unlocked without the original owners purchase invoice. As a XXXX  buyer, obtaining this invoice is impossible. Therefore, the items are permanently unusable and have no functional value. 

I filed a chargeback with Capital One for Item Not as Described and provided photographic evidence of the Activation Lock screen, the auction listing, and XXXX  requirements. Despite this evidence, Capital One repeatedly denied the dispute. 

Additionally, after filing the chargeback, XXXX deactivated my buyer account instead of resolving the issue, and informed me that my account would only be reinstated if I withdrew the chargeback. 

I am requesting CFPB assistance because Capital One refused to provide a fair manual review of a dispute involving permanently unusable merchandise due to an undisclosed defect.

Company response to consumer: Closed with explanation