vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a credit card with BOA that I owe around {$5000.00}. I filed for XXXX XXXX XXXX last year and withdrew the bankruptcy on XX/XX/year>. I am trying to work out a one-time lump sum settlement amount with BOA. My mom is going to give me the money to settle the account in full. I called BOA on XX/XX/year> and told them my income. They said that my current income is not enough. Therefore, a one-time lump sum settlement can not be reached. I called back today, XX/XX/year>, and spoke with BOA Recovery Dept. I spoke with XXXX XXXX, XXXX XXXX. I included additional income that I receive from public assistance and family members. She stated that the system would not allow a settlement offer at this time. She had no reason as to why BOA would not accept a settlement offer with my total income provided. She stated that there wasn't anyone else to speak with above her. She told me I could speak with another one of her colleagues but they would tell me the same thing. I emailed XXXX today and explained my situation.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Northern California Collections Services Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX, I financed a vision procedure at XXXX XXXX XXXX in XXXX, PA using the XXXX Credit card issued by Comenity Capital Bank. At the point of sale, the clinic 's finance coordinator explicitly told me that if I made my minimum payments each month, the balance would be paid off within the promotional period. Relying on that representation, I enrolled in autopay at the minimum payment amount. I made every single minimum payment on time for the entire promotional period. On XX/XX/XXXX, Comenity Capital Bank charged me {$2300.00} in deferred interest the full retroactive interest on the original purchase amount from day one. This charge would not have occurred if the minimum payment had been set to an amount that would actually pay off the balance within the promo period. It was not. The minimum payment was mathematically calibrated to a 60+ month payoff, guaranteeing a balance would remain at the end of the promo and guaranteeing the deferred interest balloon would fire. I called Comenity/Alphaeon customer service on XX/XX/XXXX. The representative ( XXXX ) refused to reverse the charge, citing the 60-day FCBA dispute window. This is incorrect my claim is not a billing error under FCBA. It is a deceptive point-of-sale disclosure under UDAAP ( Dodd-Frank 1031 ). There is no 60-day limitation on UDAAP claims. Because the {$2300.00} deferred interest balance remains on my account, I have paid an additional {$1000.00} in interest at 26.99 % APR since XX/XX/XXXX. Total financial harm : {$3300.00}. I also called XXXX XXXX XXXX on XX/XX/XXXX to request they contact their XXXX account representative to reverse the charge. They escalated internally and committed to a callback by end of business. As of filing, no resolution has been reached. I am requesting : ( 1 ) full reversal of the {$2300.00} deferred interest charge from XX/XX/XXXX ; ( 2 ) credit or refund of {$1000.00} in interest paid since that date as a direct result of the same misrepresentation ; ( 3 ) APR reduction going forward on the remaining principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LAKEVIEW LENDING LLC
State: CA

Complaint narrative:
RE : Unauthorized Mortgage Payoff Requests and Possible Misuse of Borrower Authorization I am submitting this statement regarding concerning conduct involving mortgage payoff requests submitted by Lakeview Lending LLC during a refinance transaction involving my XXXX XXXX property located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. In or around XX/XX/year>, I applied for a refinance loan through Lakeview Lending LLC solely for the XXXX XXXX property referenced above. The Closing Disclosure issued by Lakeview Lending identifies the XXXX XXXX property as the subject property for the refinance transaction. However, I later discovered that Lakeview Lending submitted payoff requests to my mortgage servicer, XXXX XXXX, for other unrelated properties that were not part of the refinance transaction. Specifically, records provided by XXXX XXXX show that Lakeview Lending requested payoff statements for : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Via XXXX, XXXX XXXX XXXX, CA XXXX4 The communications sent by Lakeview Lending to XXXX XXXX stated that they were assisting XXXX XXXX in paying off their property in full for those addresses and requested official payoff statements. I did not authorize payoff requests for those properties, nor were those properties part of the refinance transaction with Lakeview Lending. Additionally, XXXX XXXX informed me that Lakeview Lending submitted borrower authorization documents and represented that authorization had been provided for the payoff requests. I dispute authorizing any payoff requests related to my unrelated properties and have requested copies of all authorization documents, digital signature records, timestamps, IP address logs, and related loan file documentation. Because these payoff requests involved properties unrelated to the refinance transaction, I believe the requests were unauthorized, unnecessary, misleading, and potentially improper. I am concerned about the possible misuse of my personal information, mortgage account information, and electronic signature authorization. I contacted XXXX XXXX regarding this issue, and the matter was escalated internally for investigation within their suspicious activity/fraud review process. They provided me copies of the emails from Lakeview and the mortgage payoff statement. I am requesting that the appropriate regulatory agencies investigate : whether unauthorized borrower authorizations were used, whether false or misleading representations were made in connection with the payoff requests, whether my electronic signature or personal information was improperly used, and whether any state or federal lending or consumer protection laws were violated. I am preserving all related emails, payoff statements, disclosures, and correspondence as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Subject : Urgent Escalate : Payward XXXX XXXX XXXX ( Kraken ) Illegally Withholding Verified Funds for Over 74 Hours ( Ticket # XXXX ) I am filing this formal complaint against Payward XXXX XXXX XXXX ( d/b/a Kraken ) for the unlawful withholding and locking of my fully verified personal cryptocurrency assets ( {$4900.00} XXXX ) without any legitimate legal basis or regulatory cause. Key Facts of the Violation : 1. Transaction Details : On XX/XX/year>, at XXXX XXXX PDT, I initiated a standard withdrawal of XXXX XXXX to my personal self-custody wallet. - Internal Reference ID : XXXX 2. Complete Verification : The originating bank wire and the Kraken account are perfectly matched and under full verification. There is zero mismatch in identity, source of funds, or destination routing. 3. Complete Lack of Response : As of today, XX/XX/year>, this transaction has been stuck in " Pending/ In Progress '' status for over 74 hours. This completely violates Krakens advertised processing standards. 4. Bad Faith Escalation : I filed a formal internal complaint with Kraken, and a representative named XXXX acknowledged it under Ticket # XXXX on XX/XX/year>. Since then, Kraken has completely ignored the ticket without providing any substantive update or legal explanation. They are holding my legal funds XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I AM FILING A COMPLAINT AGAINST MY BANK WELLS FARGO BEACUSE THE ARE REFUSING TO RETURN MY MONEY AFTER AN UNAUTHARIZED TRANSACTION. ON XX/XX/year> {$2500.00} WAS TAKEN FROM MY ACCOUNT. I CONTACTED THE BANK SEVERAL TIMES AND ASKED TO SPEAK WITH MANAGERS AND PROVIDED ALL REQUESTED INFORMAITON, BUT ISSUES HAS STILL NOT BEEN RESOLVED. I BLEIVE THE BANK DID NOT PROPERLY INVESTIGATE MY CLAIM AND UNFAIRLY DENIED MY REQUEST FOR REIMBURSMENT. I AM REQUESTING THAT THE BANK REVIEW MY REQUEST AND RETURN MY MONEY TO MY ACCOUNT AS SOON AS POSSIBLE. THIS IS A HUGE MISTAKE AND has BEEN ONGOING FOR OVER 30 DAYS, IS NOT FAIR TO ME, I AM A SINGLE MOTHER TRYINGTO MAKE ENDS MEAT AND THIS IS A STRESSFUL SITAUTION WELLS FARGO REFERENCE # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against American Express and XXXX regarding a {$22000.00} that was sent as I was tricked and scammed into by a big fraud ring. This was separated into 3 separate transaction. {$8200.00} on my Amex XXXX XXXX and {$4800.00} & {$9200.00} on my Amex XXXX XXXX XXXX. Disputes were filed on all 3 on XX/XX/XXXX. Today, I received email saying my American Express XXXX dispute was decided in favor the merchant because I was using XXXX Friends & Family payment knowingly that I was manipulated and tricked into using that method. Both myself and the recipient XXXX XXXX were victims of a coordinated triangulation scam. The recipient was manipulated into acting as an unwitting middleman and never kept the funds.The recipient is fully cooperating, has a negative balance on XXXX, and has stated in writing that he does not contest the chargeback and he will deal with collections from debt. Both parties have filed law enforcement reports. I have already filed an IC3, FTC and police report on this case. We were both also contacted by an FBI agent XXXX XXXX about this scam ring case that has been happening for awhile. He contacted me on XX/XX/XXXX and said he had been investigating this huge scam ring and even left his contact number XXXX ( XXXX ) XXXX and email XXXX if American Express or XXXX were to require more evidence of this ongoing scam. American Express closed my dispute on a technicality because 'Friends and Family ' was used. However, because BOTH the sender and the receiver agree this was an entirely fraudulent transaction orchestrated by a criminal third party, AmEx and XXXX must reverse these funds. XXXX is currently engaging in Unjust Enrichment by keeping {$22000.00} that the merchant has already legally forfeited. It is completely absurd that American Express is effectively supporting this scam by hiding behind a user-agreement technicality. AmEx 's rigid refusal to override an automated rule means they are actively enabling a {$22000.00} grand larceny. This needs to be investigated by American Express Executives

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting associated with accounts included in my XXXX XXXX bankruptcy and also forwarded my complaint to the PA State Attorney General that oversees bankruptcy systems. Several furnishers continue reporting derogatory history and/or account information in a manner that appears inconsistent with bankruptcy discharge reporting requirements under the Fair Credit Reporting Act ( FCRA ). These accounts were discharged through XXXX XXXX bankruptcy and should accurately reflect : Included in Bankruptcy {$0.00} balance No ledgers or charge offs No active collection activity Balance Due : {$0.00} Past Due Amount : {$0.00} - Account Status/Comments : " Discharged in Bankruptcy, '' " Included in Bankruptcy, '' or " Petition in XXXX XXXX '' Payment History : The account should no longer show as currently late or past due ( e.g., 30, 60, or 90+ days late ) for any month following your bankruptcy filing date The current reporting is harming my ability to obtain housing because tenant-screening systems are calculating these accounts as active derogatory debt obligations that are closed and supposed to reflect XXXX balances without collection ledgers as it is reported correctly with XXXX XXXX XXXX I request a complete investigation into the following issues : 1. Verification that each account included in bankruptcy reports a XXXX balance. XXXX. Verification that no post-discharge delinquency or collectible balance is being reported. XXXX. Verification that furnishers are reporting in compliance with Metro 2 bankruptcy reporting standards. 4. Verification that duplicate derogatory reporting is not occurring after transfer or sale of debt. 5. Clarification whether any alleged charged-off debt was forgiven, sold, or discharged, and whether any 1099-C reporting was required. Accounts at issue include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide : Method of verification Complete investigation results Updated reporting information Copies of any documentation used to verify the reporting I request correction or deletion of any inaccurate, misleading, incomplete, or unverifiable information pursuant to the Fair Credit Reporting Act.

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 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX and XXXX XXXX for unfair and deceptive financing practices connected to my vehicle purchase dated XX/XX/XXXX. When purchasing a XXXX XXXX XXXX I ONLY requested extended warranty to cover mechanical and electrical issues. the dealership added numerous optional aftermarket products into my finance agreement that dramatically increased the total amount financed and made refinancing difficult due to excessive negative equity. The following add-on products were financed into my loan : XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX Protection {$1800.00} Vehicle Care Protection Plus {$1600.00} Appearance Protection {$1300.00} Theft Protection {$620.00} The contract shows the vehicle sale price was {$23000.00}, yet the total financed amount increased to approximately {$38000.00} after these add-ons and related charges were included. Several of the contracts specifically state that these products were optional and not required for financing approval. I do not believe I provided meaningful informed consent to these products, and I was not properly advised regarding : The total financial impact of the add-ons Their effect on loan-to-value ratio Their impact on future refinancing That these products could be declined Because of these unnecessary add-ons, I am now unable to refinance the vehicle under reasonable terms due to excessive negative equity created by the dealerships financing structure. I believe this conduct constitutes loan packing and deceptive financing practices that unfairly benefited the dealership while financially harming me as the consumer. I respectfully request that the CFPB : Investigate XXXX XXXX XXXX XXXX and XXXX XXXX Review whether federal consumer financial protection laws were violated Investigate whether proper disclosures and informed consent were provided Assist with obtaining cancellation and prorated refunds for optional add-on products Take appropriate enforcement action if deceptive practices are found

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I am being forced to sell my home because freedom mortgage refuses to reinstate me. After applying for a loan modification aka XXXX numerous times and having spoken to my VA servicing agent I was told they approved me for a loan modification that I was never offered. I was in fact offered a loan modification for a 40 year refinance at nearly 7 % which would double my current mortgage payments which Freedom Mortgage finally offered after several years of reapplying and the XXXX program closed. I was told by my servicing agent to ask for a reconsideration appeal due to the prior approval from the VA for a 30 year modification in XXXX of XXXX. I was also informed at that time, I qualified for the XXXX program however it was my mortgage companys responsibility to submit my package and all they received was the request for the 30 years modification which as stated was approved however never offered. I have tried to resolve this many times to no avail. In XX/XX/XXXX, I reached out for a payoff letter that was grossly overstated and just recently discovered that they placed an actual foreclosure on my credit report despite my home has not even been set a foreclosure date. I am currently attempting to contact them and was instantly told by XXXX XXXX ID XXXX that she could not discuss my case I needed to be transferred to loss mitigation which never happened in all the time I have been dealing with this matter. I have owned the home for 10 years and now I cant get through to actually talk to one representative. After being placed on hold for over 40 minutes someone picked up the phone and immediately disconnected me so now I am currently on hold for an additional 40 minutes waiting again. I reached out to my servicing agent once again and was told to file a complaint with your agency. Kind regards

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year> my boyfriend XXXX XXXX attempted to pull out money from a Navy Federal ATMusing my bank card, the ATM stated cancelled and didnt dispense any money. They took the money out of the account anyways. Now they are saying there no overages on the machine when they can watch the ATM footage and see we never got the money, then he tried the next machine and it didnt work because they had already removed the funds we never received. They are trying to take the XXXX dollars back that they gave in interim because theres no overages but how do they know the next person that used the ATM didnt get our money and their own money?! We never got the money and there is video proof of it if someone would just look. Its the atm outside navy federal on XXXX XXXX in XXXX XXXXXXXX Virginia next to a fXXXX XXXX and across from a XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My checking account with Capital One was closed while there was still a remaining balance in the account that had not been returned to me. After contacting Capital One customer service regarding the remaining funds, I was informed that I needed to complete identity verification in person at a branch before the funds could be released. On XX/XX/year>, I visited the Capital One branch located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX and completed the requested ID verification process. The branch representative informed me that I should receive the remaining balance within approximately one month. More than one and a half months have passed since I completed the verification, but I still have not received the remaining funds. I have also not received any explanation regarding the delay or any request for additional documentation. I contacted the company to request the release of the remaining balance and information regarding the status of the payment, but the issue remains unresolved. I am requesting that Capital One promptly release the remaining funds from my closed checking account and provide a clear explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am reporting a Jefferson Capital / XXXX XXXX collection account that is not mine. I have never had an account with XXXX XXXX. I disputed this multiple times with the credit bureau, but they continue to mark it as verified without providing any proof. This is not my debt and I want it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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:
I sent a certified letter asking for the following - Original creditor agreement - Full payment history - Proof of ownership of debt - Chain of assignment They have failed to provide these items and will not remove the false information from my credit report. They are trying to collect a debt that has been settled, and I no longer owe.

Company response to consumer: Closed with explanation