vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Disputed with Bank of America : {$2800.00} BOFA CASE # XXXX - {$250.00} in gas stations - {$2600.00} in a barber shop - All those 3 charges were made without my authorization. In fact, one of them ( for {$2600.00} ) was requested online, through XXXX, when I do not have or possess an account in that social network. Note that this credit card was not in use by me at the time this situation occurred. 
- The card was not in use by me : last movement was a balance transfer from my XXXX  XXXX card - I have NOT spent over {$2600.00} in one week, especially these days when I am under a process to lower my debts. Furthermore, I have never spent over {$30.00} on my usual hair cut ( at XXXX XXXX  XXXX ), once per month. 
- The alleged barber shop is in an area where I do not live nor work ( XXXX / XXXX XXXX, Florida ) - Usual hair cut cost in this place is {$50.00}, as indicated in their website. 
- Payment was made online, through XXXX, a social network I do not use ( do not have even an account ). 
- I have never been to that barber shop, not now, not ever. 
- Regarding the charges at the gast station, note that I filled my cars tank the same day, but in XXXX, FL ( where I live ), for {$36.00}. Note that I spent around only {$35.00} to {$40.00} on gas, weekly. I drive a XXXX XXXX XXXX, not a truck. 
- I made a claim to BOFA, which was denied by the bank. After that, an appeal was presented, which was denied by the bank, as well. 
- Multiple support evidence was presented to the bank along with my appeal letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: AR

Complaint narrative:
I am an XXXX XXXX servicemember XXXX  XXXX. I repeatedly requested mortgage relief under the Servicemembers Civil Relief Act ( SCRA ), including a payment forbearance. Instead of processing my request or providing instructions, the servicer sent a generic loan servicing transfer response. 

I have been unable to reach a live representative, and my SCRA request remains unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a store credit card account with Comenity Bank that was opened in XXXX. For more than six years, the account was paid on time with no history of late payments. 

In XX/XX/XXXX, a single payment was reported as 30 days late due to an autopay issue caused by insufficient funds. Shortly after this isolated incident, Comenity Bank closed the account. 

I am not disputing that the payment was reported late. However, the reporting of a single 30-day late payment following a long positive payment history, combined with account closure, has caused disproportionate harm and does not accurately reflect my overall creditworthiness. 

I am requesting a fair review of the account and a reasonable credit reporting adjustment to remove the XXXX 30-day late payment, given the length of positive history and the isolated nature of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma deactivated my account after identity verification. My XXXX refund advance has already been deposited and my federal refund is scheduled to go there. I can not access my funds and support is not resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am filing this complaint against Early Warning Services , LLC for the illegal reinsertion of a XXXX XXXX XXXX XXXX account after it was previously removed due to identity theft. 

This account was previously disputed and removed based on identity theft documentation, including a valid FTC Identity Theft Report. Despite this, XXXX XXXX XXXX has reinserted the XXXX XXXX XXXX XXXX account into my consumer file without providing the required written notice or certification of accuracy, in violation of the Fair Credit Reporting Act. 

Reinserted Account : XXXX XXXX XXXX XXXX Account ending XXXX Account ending XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless : The furnisher certifies the information is complete and accurate, and The consumer is provided written notice of reinsertion within 5 business days Neither of these requirements were met. I did not receive written notice of reinsertion, nor was I provided any certification that XXXX XXXX verified the accuracy of the information. 

Additionally, because this account is identity-theft related, Early Warning Services is required under 15 U.S.C. 1681c-2 to block the reporting of this information upon receipt of my FTC Identity Theft Report. Reinsertion under these circumstances is prohibited.They illegally retained my information without my consent They committed identity theft against me also

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment of {$250.00} to my Target credit card. I called Target today ( XX/XX/XXXX ) and was told that it will be another XXXX hours before that payment is applied to my available credit. When I asked why it has taken over half the month for this to be available, the only answer I got was " the payment was placed on hold '' and they were not able to say why it was placed on hold. Not to mention I have had this card since XXXX of XXXX ; this is not a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc.
State: CA

Complaint narrative:
Novo sent notices threatening account closure for insufficient activity, but did not provide any clear definition, objective criteria, or specific examples of what constitutes insufficient activity. Repeated communications failed to explain what actions were required to avoid closure, what activity thresholds applied, or how the determination was made. 

Novos written account agreement and published policies do not clearly specify an insufficient activity standard, minimum usage requirements, or advance notice procedures tied to such closures. As a result, I was unable to reasonably understand or comply with the requirements needed to keep the account open. 

The lack of clear written standards, combined with closure threats, created uncertainty and risk of disruption to banking access without meaningful opportunity to cure or correct. This prevented informed decision-making and exposed me to potential harm despite good-faith efforts to maintain the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I discovered that USAA closed my checking, savings, and credit card accounts after reporting valid fraud. Instead of asking me for more information, they closed my accounts and chose not to do business with me anymore. They also froze my funds, putting an incredible hardship on my family and me. They claim they can't give me my funds until they resolve several disputes that potentially caused the account closure, but they are taking their sweet time while I am here without access to any of my funds. They refused to provide specifics as to why they closed my accounts other than fraud. We are unable to buy anything as I am the primary provider for my family. They also did this right before a massive winter storm came through most of the country XXXX of XX/XX/XXXX. I have reached out to everyone at the companby between head of fraud operations and the XXXX  's office, and no one seems to have any empathy.

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 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Covington Credit in XXXX XXXX  has charged me multiple loans and they have put it on my credit report as I owe them they have XXXX from XXXX and XXXX from XXXX I have filed multiple disputes on these on all three credit bureaus a few weeks ago they took off the XXXX from XXXX and charged it off I have tried and tried and tried to resolve this there's no way I owe XXXX loans from XXXX place that's just impossible to no way I've owed money and y'all steady gave me loans on top of loans on top alone something is very fishy about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, an XXXX XXXX XXXX  account was opened at a local UMB Bank in XXXX, TX. I am the executor of the estate, however, the account was also opened with my sister 's information and she was initially on the account, per what was on the Will that was provided. Half of the money ( {$120000.00} ) belongs to her. 

At some point, the bank removed her from the account and we were not notified. Now, she has been trying to access the funds to purchase a house and since she does not have access to the account, the funds may have to be considered a " gift '' which she will then have to report to the IRS. We have waited weeks and the bank is still saying they are waiting to hear from whomever they contacted above the bank manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> my account was restricted I have no access to the account in the amount {$220000.00} is in the account I have no access to my money the Citi bank is holding the money. They said I a compliance review was completed on XX/XX/year> and only one of the deposits were verified in the amount of {$1100.00} where is the rest of my money the the {$220000.00} I need my entire balance from the account I need this escalated ASAP the money came from a settlement where I was injured I have all my documentation for this money my attorney can verify the funds I need the money from the account ASAP I was simile to wait XXXX days and now they are saying nothing will be sent to me other than {$1100.00} not my settlement check so where will the funds go Citi is not allowed to keep the money this is thief and I will get this prosecuted if we dont retrieve back the funds!!! This is my 3rd complaint something has to be done now

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 2026-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
I applied for a home equity loan through XXXX on or around XX/XX/year>. I was asked to have a dispute removed from my credit report. I was lead to believe that when that was done and my credit score was pulled the loan process would move forward. I was told by the loan XXXX that once that was done they were ready to go. I talked to the loan XXXX on XXXX XX/XX/year> and was told she had to contact her XXXX and would be talking to me soon. I waited until XXXX and emailed the loan XXXX since I hadnt heard anything, no response. Then XXXX received a text message saying the loan was denied due to delinquencies on my credit report, income insufficient and not enough money in reserve. The company knew all of this before I was asked to remove the dispute from my credit report which restarted the time on the account I was disputing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Chime Financial Inc
State: KS

Complaint narrative:
I am submitting this complaint regarding Chime Banks handling of unauthorized transactions on my account and their refusal to provide a meaningful explanation for denying my dispute. 

On Sunday, XX/XX/XXXX, {$490.00} funds were stolen from my Chime account through unauthorized transactions. I reported the fraud immediately while the transactions were still pending. I was explicitly told by a Chime XXXX named XXXX that the payments had been stopped, that the transactions would not be completed, and that no funds would be taken from my account. 

Despite these assurances, the funds were ultimately removed from my account. 

I provided documentation and proof showing that I did not authorize these charges. In addition, the merchant confirmed the fraud, shut down the individuals responsible, and acknowledged that the transactions were unauthorized. 

Even with this confirmation and evidence, Chime denied my dispute on XX/XX/XXXX and again on XX/XX/XXXX, without providing any explanation, evidence, or reasoning for the denial. I was simply informed that the claims were denied. 

I have repeatedly requested : - A written explanation for why the dispute was denied - Documentation supporting Chimes determination - Clarification of what evidence was used to conclude the transactions were authorized Chime has refused to provide this information and has not engaged in good-faith communication. As a consumer, I believe this violates my rights under Regulation E, which requires financial institutions to conduct reasonable investigations and provide clear explanations regarding unauthorized electronic fund transfers, especially when a consumer relies on representations made by the bank. 

I am requesting that the Consumer Financial Protection Bureau review this matter and require Chime Bank to : 1. Provide a written explanation for the denial of my dispute 2. Produce documentation supporting their findings 3. Explain why funds were released after I was told the payments were stopped 4. Reopen and properly investigate the unauthorized transactions 5. Return the stolen funds or otherwise provide appropriate relief Thank you for your assistance in helping ensure accountability and fair treatment. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a credit card with XXXX XXXX. I missed my payment due date ( XX/XX/XXXX ) by 3 days and was charged an interest fee of {$980.00} on XX/XX/XXXX. I contacted XXXX and spoke with multiple employees on XX/XX/XXXX stating that I have paid the balance that was due prior to the applied interest. The company was no help and stated that the interest charge could not be removed. I requested to speak with several supervisors who were also of no help. I have made all of my monthly payments on time since I opened the account in XX/XX/XXXX and paid more than the minimum balance every month. My credit score is in the XXXX. I just finished treatment for XXXX XXXX in XX/XX/XXXX, had a second XXXX XXXX in XX/XX/XXXX and tried to explain to them that it was an oversight on my part but that I would pay the remaining balance. Made a payment of {$490.00} on XX/XX/XXXX which would bring my account balance to zero except for the added interest charges of {$980.00}. I told them I would not pay the interest fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For over XXXX years, Ive tried to become a Wells Fargo customer. Every time I walk into a branch or submit an application, Im met with the same frustrating obstacle : my account gets closed before it even opens. The reason, they tell me, is that someone has already used my Social Security number to open an account. 

I cant get any information about who did it or what accounts were opened in my name because of legal and privacy restrictions. All I know is that I am the victim. Ive even gone in person, with my Social Security card in hand, to prove my identity, yet nothing changes. Each attempt leaves me more frustrated than the last. 

I feel trapped in a system where I am being penalized for someone elses fraudulent actions. I want to be a customerI want to trust my bankbut the unresolved fraud tied to my Social Security number keeps blocking me at every turn. It shouldnt feel impossible to open an account when the wrongdoing wasnt mine, yet Wells Fargo has not provided any resolution despite my repeated efforts.

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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-28 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: MA

Complaint narrative:
back in XX/XX/year> i purchased with my American express credit card a refrigerator that cost about {$230.00}, the fridge was sent to the wrong address, i did call to find out why i did not get the fridge, i was told it was sent to a different address, i asked to refund me the money and send me a new fridge, the person i spoke to sounded like he was in a foreign country like XXXX, he said in order to get the new fridge i will have to pay it first and i will get the refund later when they pick up the fridge from the wrong location, i agreed and we proceeded with the new order which was delivered to me at last. 
when i received my bill i seen XXXX of the same charges but no refund, i contacted XXXX about that, they said they will send me an email with results, the email came stating that i should contact my credit card company because they were unsuccessful with that and that i should tell my credit card company to deal with that, which i did, they denied my credit card company even when i showed the emails to them, i did a second dispute, the credit card company said that the XXXX is responding that i never asked for the refund and closed the case without telling me, i had to find out through a message online on my account. i believe my credit card company is not doing their job correctly and that is where you came in, i am not sure where to go from here. 
thank you for your help and look forward to hear back from you soon XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Unresolved Disputed Charges and Late Fees Dear Sir/Madam, I am writing to formally dispute certain charges and associated late fees on my Lowes Store Card account . 

I had been using my Lowes card responsibly and paying all balances on time. However, the bank began charging {$1.00} per month for mailed paper statements. To avoid this fee, I switched to electronic billing, but I did not receive any email statements. Later, I was notified of two transactions dated XX/XX/year> ( {$15.00} and {$35.00} ) that I did not authorize. 

Upon receiving the overdue notice, I immediately paid {$51.00} to cover these charges and contacted the bank to : Dispute the unauthorized transactions ; Request removal of late fees and interest ; Offer to pay an additional {$40.00} to settle the matter. 

Despite multiple attempts to resolve this issue, the bank continued to add late fees and interest, now totaling {$110.00}, even after I closed the account and paid the disputed balance. 

I am humbly requesting that the bank : Stop all additional late or interest charges ; Remove accumulated fees related to this disputed issue ; Correct my account to reflect a zero balance ; Report the correction to all credit bureaus if my credit was affected. 

I have made every good-faith effort to resolve this directly. However, the continued accumulation of fees for transactions I did not authorize is unfair and unreasonable. 

Thank you for your prompt attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nj XXXX XXXX Account ending in 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 monetary relief