vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
Truist Bank gets you to sign up for the money market account with a high interest rate and within XX/XX/XXXX days significantly reduced my APR at their discretion. And then they limit you from pulling money out of that account with a limit of XX/XX/XXXXXXXX per day orXX/XX/XXXXXXXX per XX/XX/XXXX days so you cant get your money out quickly.

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Subject : Misleading Deferred Interest and Predatory Interest Rates by Synchrony Bank I am filing a complaint against Synchrony Bank ( Synchrony XXXX Credit Card ) regarding their misleading " Deferred Interest '' practices and lack of customer support. Two years ago, I purchased furniture using an 18-month promotional financing plan. I was making regular payments, but I was not clearly informed that missing the 18-month deadline by even a small amount would trigger a retroactive interest charge on the entire original purchase amount from day one. Because the promotion expired, Synchrony Bank hit me with a massive lump sum of retroactive interest calculated at an astronomical 34.99 % purchase interest rate. On top of that, they are continuing to charge me a 29.99 % regular transaction interest rate every month on the remaining balance. These combined rates are predatory and making it impossible for me to pay off the debt. I contacted Synchrony Bank 's customer service to resolve this issue and offered to pay off the actual remaining balance immediately if they would waive the retroactive interest. However, they refused to assist me or offer any flexibility. I have been a well-intentioned customer trying to pay my debt, but these hidden deferred interest terms and extremely high rates feel deceptive. Desired Resolution : I request Synchrony Bank to waive the retroactive deferred interest charged at the 34.99 % rate and any subsequent interest fees. I am ready to pay off the actual remaining principal balance immediately to close this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I first wrote and mailed letters directly to the XXXX credit reporting agencies. I only received a form letter response from XXXX thanking me for my interest in my credit scores but indicating that they would not work with a third party. In my personal letter, I provided identifiers to demonstrate that it was me personally and not a third party. Next, I contacted these reporting agencies by filing a dispute through their individual websites. I got no direct response and in checking XXXX XXXX, I found a slight improvement in my TransUnion score .I had disputed the derogatory ( and incorrect ) reporting with BANK OF AMERICA NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three continue to report incorrect information. Bank of America shows a late payment in XX/XX/year> even though when you directly contact Bank of America XXXX, you are told that this is incorrect and blame the reporting agencies for continuation of this error. Even my personal information continues to remain incorrect as to employment history ( Corrections attempted several months ago. )

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 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : URGENT : Criminal Money Mule Escalation, Active Law Enforcement Investigation and Dual Wire Recall Request - XXXX ADA Disclosure To : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Legal Counsel From : XXXX XXXX XXXX XXXX Backup Account Email : XXXX Target Beneficiary Name on Record : XXXX XXXX XXXX ADA COMMUNICATION DISCLOSURE The Complainant is XXXX and XXXX. Under the Americans with Disabilities Act ( ADA ), DO NOT attempt to make standard voice telephone calls to the complainant. Bank of America must communicate exclusively through the following authorized channels : * Official Video Phone ( VP ) via Interpreter : XXXX * Text-Only Cellular Line : XXXX * Secure Email Response : XXXX FORMAL NOTICE OF CYBER FRAUD AND MULE ACCOUNT SEIZURE DEMAND This serves as formal notice that I am a victim of an organized cybercrime/pig-butchering ring under active investigation by the XXXX Police Department ( Case # XXXX XXXX Officer XXXX XXXX ) and the FBI XXXX XXXX ID : XXXX XXXX XXXX ). I formally filed an immediate fraud report on XX/XX/XXXX, under XXXX Bank Claim # XXXX. I am demanding Bank of America to immediately audit and freeze this account profile using the explicit transaction tracking markers below : WIRE TRANSACTION 1 ( ORIGINATED FROM CHECKING ACCOUNT XXXX XXXX ) : * Date Processed & Posted : XX/XX/XXXX * Principal Transfer Value : {$8800.00} * Recipient Institution : Bank of America , N.A . * Designated Beneficiary Name : XXXX XXXX * Internal Reference Number : XXXX * Transaction Number : TRN # XXXX * WT Number : XXXX WIRE TRANSACTION 2 ( ORIGINATED FROM SAVINGS ACCOUNT XXXX XXXXXXXX ) : * Date Processed & Posted : XX/XX/XXXX * Principal Transfer Value : {$9000.00} * Recipient Institution : Bank of America , N.A . * Designated Beneficiary Name : XXXX XXXX * Internal Reference Number : XXXX * Transaction Number : TRN # XXXX * WT Number : XXXX I require a formal written response sent to my authorized email or text line within 15 days confirming that Bank of America has locked this account profile pending a law enforcement subpoena. Respectfully submitted, XXXX XXXX XXXX XXXX DOB : XX/XX/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 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Dispute Unauthorized Bank of America Inquiry To Whom It May Concern : I am writing to formally dispute a Bank of America inquiry appearing on my XXXX credit report. This inquiry was not authorized by me and resulted from identity theft. My wallet, identification, and personal information were stolen and used without my permission. I filed a police report regarding this incident and have attached supporting documentation. The investigation identified a suspect who was arrested in connection with the unauthorized use of my personal information. Because this inquiry was the result of identity theft, I request that TransUnion conduct a thorough investigation and remove the unauthorized Bank of America inquiry from my credit file pursuant to the Fair Credit Reporting Act. Enclosed are copies of the following documents : Police Report Identity Theft Documentation Government-Issued Identification Proof of Address CFPB Complaint Documentation ( if applicable ) XXXX XXXX XXXX Correspondence ( if applicable ) I respectfully request written confirmation of the results of your investigation and removal of the unauthorized inquiry from my credit report. Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a purchase from a company with my checking account the company is XXXX XXXX just to discover on today I was being scammed so I let them know that I would be doing a complaint and requesting my money back. This company scammed me out of {$840.00} and I want each and every dime of my money back and I want to block this company from charging my account. Below I have attached screenshots of the transaction with this company for my records and proof. Also I want the bank to assign me a new person to handle my account and not the same person that I have dealt with in time pass I expect the bank to honor my request concerning who I want to deal with.

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 non-monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Mortgage — Conventional home 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: LoanCare, LLC
State: TX

Complaint narrative:
I am filing this complaint against LoanCare for systemic violations of the CARES Act and Regulation X mortgage servicing guidelines regarding XXXX loss mitigation. After experiencing a pandemic-related financial hardship, I successfully secured employment, regained financial stability, and contacted LoanCare to resume making my mortgage payments. I repeatedly requested a loan modification or a payment deferral option so that I could resume my regular monthly payments. LoanCare flatly denied my requests and stated that I was required to pay the entire delinquent balance in a single, massive lump sum to prevent foreclosure. I explicitly informed them that a lump-sum payment was impossible, while reiterating that I was ready and able to resume normal monthly payments. LoanCare then engaged in prolonged administrative delays. They ignored my repeated attempts to contact them, went silent on chat logs, and took an unacceptably long time to communicate with me. Because of these delays and their refusal to offer required loss mitigation options, they caused an entirely avoidable, wrongful foreclosure on my Michigan home in XX/XX/year>. This failure by LoanCare directly caused the total loss of my home equity and the personal property I had purchased for the home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, LoanCare destroyed my XXXX XXXX, sending my lXXXX XXXX XXXX XXXX XXXX XXXX I have been fighting hard for the past XXXX years to recover, but I am unable to do so because my severely damaged credit prevents me from refinancing or securing the necessary tools to get back on my feet.

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 2026-06-23 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: CA

Complaint narrative:
On XX/XX/year>, there were XXXX debit card transactions from my account that I did not authorize. XXXX transaction for {$1300.00} was declined. A second transaction for the same amount was processed but later refunded and returned to my account within approximately XXXX days. The third transaction for {$1000.00} was successfully processed and was not authorized by me. I did not approve or initiate this payment. The funds were transferred internationally through a service called XXXX XXXX to XXXX. I was later informed through the companys investigation that the money was sent to a person named XXXX XXXX. I do not know this individual and have never had any dealings with them. I immediately reported the issue to my bank, Wells Fargo, and filed a fraud claim. The bank initially opened an investigation but later closed the claim without refunding the remaining unauthorized transaction. The money transfer company also conducted an investigation and confirmed the recipient name and destination country. Despite this, my bank did not reverse the transaction or provide a clear explanation for closing the case. I am requesting a full refund of {$1000.00} and a full re-investigation of this matter

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 non-monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I mailed Sallie Mae a direct dispute letter regarding four of my private education loans. These loans were originated in XXXX. I fell behind in late XXXX, and Sallie Mae charged the accounts off around XXXX. In XXXX I entered a partial-payment arrangement and received a 0 % interestrate reduction, but Sallie Mae has continued to report the accounts as charged off and showing pastdue amounts for years. They are also reporting a paying under partial payment agreement comment, even though the accounts are closed and charged off. In my dispute letter, I asked Sallie Mae to provide the Date of First Delinquency, chargeoff date, current balance, pastdue amount, payment ledger, and estimated creditreport deletion date for each loan. I also asked them to correct any inaccurate information on my credit reports and remove the partialpayment comment if it no longer applies. On XX/XX/XXXX Sallie Mae sent me a brief response stating they had verified the information as accurate and added a notation that the accounts are disputed, but they did not provide any of the requested details or documentation. They did not explain why closed, chargedoff loans still show current balances and pastdue amounts or why the partialpayment comment remains. My credit reports ( dated XXXX ) still show four Sallie Mae tradelines with balances of approximately {$3800.00}, {$3900.00}, {$4300.00}, and {$2100.00} and pastdue amounts of {$2500.00}, {$2700.00}, {$2900.00}, and {$1500.00}. These tradelines continue to update monthly as chargeoffs, which may be reaging the accounts. I believe Sallie Maes reporting is incomplete and inaccurate because they have not provided the Date of First Delinquency or chargeoff date, have not explained how the balances and pastdue amounts were calculated, and have not corrected the partialpayment comment. I request that the CFPB require Sallie Mae to provide the full account history, verify the correct delinquency date, remove or correct inaccurate information, and stop reaging the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> at XXXX A Fraud company posing as Wells Fargo called from a local XXXX XXXX XXXX XXXX from a verified Wells Fargo phone number claiming that someone in XXXX was attempting to withdraw {$1300.00} from my checking account. They had already entered my account and provided me my entire bank account info then said we noticed your notifications are off and hence the reason you did not notice the transfer, they then turned my mobile notifications for the Wells Fargo app back on remotely. The next steps were to verify my location and at this point I ASSUMED this was actually the Wells Fargo fraud dept considering the phone number was verified and agent had access to my account from the backend. The process given was to transfer that amount myself through XXXX XXXX to the XXXX XXXX and was told this location since the XXXX does not use XXXX XXXX and the funds would immediately bounce back to the account and verify my IP address. I sent the money and immediately got credited amounts of XXXX, XXXX, and XXXX back after the transfer and the agent claimed this was the money coming back into the account after the verification. I than became suspicious after the credits stopped coming in and immediately called the real Wells Fargo fraud dept and filed a claim. The claim department rep who handled the claim input said this is definitely covered, canceled my debit card shipped a new one and said not to worry and it should take XXXX to XXXX business days to resolve and that within 3 days I should receive a credit for the XXXX while this gets investigated. I never received the credit, the fraud department called on XX/XX/year> gave me a new bank account and said the investigation is just waiting for the final approval from XXXX XXXX. On XX/XX/year> I checked my claim status, it went directly from opened to closed with no information. I called Wells Fargo immediately and once connected the representative informed me that yes it was fraud but since I had entered the information myself even though it was under the impression I was being directed by wells Fargo themselves, I was not able to receive a return of funds. I thought this is what fraud protection covers and why this account is FDIC insured. I feel as if I was scammed twice within 7 days.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX my account was closed due to being negative {$150.00} and charges off. The same day I got a deposit from XXXX XXXX for {$75.00}. I never received that money back or even got it towards my negative balance because it was already charged off. A month of my account being closed and charged off they allowed a charged of {$2.00} from XXXX on XXXX XXXX, XXXX. On XXXX XXXX XXXX months after my account was closed and charged off they charged me a maintenance fee of {$12.00}. On XX/XX/XXXX. XXXX they took my deposit of {$30.00} from XXXX from XXXX this is XXXX month after my account was charged off and closed. XXXX months after my account was closed and charged off they charged me another account maintenance fee of {$12.00}. On XX/XX/XXXX they charged me another maintenance fee and on XX/XX/XXXX they let XXXX charge me {$2.00} from XXXX. Then they have continued to charge me {$12.00} maintenance fee from XXXX and my account has been closed and charged off since XX/XX/XXXX. Then on XX/XX/XXXX I received another deposit from XXXX and they kept that as well of {$5.00}.

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 2026-06-25 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of a dispute for a {$450.00} charge from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. I hired a licensed home inspector to perform a full home inspection. Instead of providing a proper inspection, the merchant delivered a 57page photo dump with no findings, no analysis, no testing of systems, no inspection standards, and no inspection report. This does not meet Alabamas definition of a home inspection or the service I contracted for. After I questioned the quality of the work, the merchant acknowledged the issue and offered a refund. I did not cancel the service. The merchant admitted the work was inadequate. I disputed the charge with Navy Federal as Materially Deficient Service/ Service Not Rendered as Agreed under Regulation Z. Navy Federal closed the dispute stating not enough supporting documentation, even though I provided evidence including the merchants refund offer and proof that the inspection was not performed as contracted. Navy Federal then reversed the provisional credit immediately, despite stating in writing that adjustments may take up to two billing cycles. After closing the case, Navy Federal blocked me from refiling or appealing, preventing me from submitting additional documentation. This violates Regulation Z, which requires that consumers be allowed to contest a dispute decision and provide further evidence. I am requesting CFPB assistance to ensure Navy Federal reopens the dispute, reviews the documentation, and complies with Regulation Z requirements for disputes involving services not rendered as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Company : Navy Federal Credit Union Product : Credit Card XXXX XXXX XXXX Issue : Retaliation / Member Intimidation Following CFPB Complaint Filing Complaint : On XX/XX/year>, I filed a CFPB complaint against Navy Federal Credit Union regarding the improper restriction of my available credit following same-day payments totaling {$200.00} to my XXXX XXXX XXXX credit card. Shortly after that complaint was submitted, I received a telephone call from a Navy Federal representative alleging that I had made " threats '' against their customer care staff. The sole basis for this allegation was that I had asked for the representative 's name during the original interaction so I could file a formal complaint. Requesting a representative 's name for complaint purposes is a standard, protected consumer action it is not a threat. I have a partial audio recording of this call capturing the representative 's name and opening statements, which I am preserving as evidence. I believe Navy Federal 's post-complaint call constitutes retaliatory and intimidating conduct. The timing immediately following my CFPB filing establishes a direct link between my protected regulatory activity and their contact. Framing my request for a name as a " threat '' is objectively false and designed to discourage legitimate complaint activity. As a financial institution that controls access to my funds, Navy Federal is in a position of significant power, and using that position to intimidate a member who filed a regulatory complaint is an abuse of that power

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation