vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX synchrony bank - I made a {$600.00} payment. Funds have been withdrawn from my checking account but not available on credit card. I called to see why and they told me they were holding the funds until XX/XX/XXXX, due to the account being less than 6 months old. I opened the account XX/XX/year>. Not only have they taken my money and not given me access to it but this will also effect me credit. Balance in card is going to report a high limit.

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 2026-05-01 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: NC

Complaint narrative:
I disputed 6 transactions whith chime and they refuse to fix the problem so I think chime is stealing from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX I am writing to formally file a complaint against XXXX XXXX regarding a significant and unresolved discrepancy in my brokerage account balance, which has materially impacted my ability to access and utilize my funds. Over the past two days, I have contacted XXXX XXXX customer service on five separate occasions in good faith to report that my account balance is understated by more than {$200000.00}. Despite these repeated efforts, the issue remains unresolved, and I have not been provided with a clear explanation or a definitive timeline for correction. The firm has attributed the discrepancy to a technical problem, but has failed to remedy the situation promptly. As a direct result of this issue, I have been unable to execute time-sensitive trades, including day trading opportunities, resulting in financial harm and missed profit potential. The inability to access my funds raises serious concerns regarding the firms operational controls, customer account management, and compliance with regulatory obligations. I respectfully request that this matter be reviewed under applicable securities laws and regulations, including but not limited to : The Securities Exchange Act of 1934, particularly provisions related to broker-dealer responsibilities and fair dealing with customers ; SEC Rule 15c3-3, which requires broker-dealers to safeguard customer funds and securities and ensure prompt access ; FINRA Rule 2010, requiring firms to observe high standards of commercial honor and just and equitable principles of trade. Given the magnitude of the discrepancy and the firms failure to resolve the issue despite multiple notifications, I am concerned that this may not be an isolated incident and could potentially affect other customers. I respectfully request that the Commission investigate this matter and take any appropriate action to ensure compliance and protect investors. I also request that XXXX XXXX be required to promptly correct my account balance, provide a full explanation of the issue, and address the financial impact caused by the restriction on my ability to trade. Thank you for your attention to this matter. Sincerely,

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
XX/XX/year> - Car was totaled Between XX/XX/year> and XX/XX/year> - Insurance received a payoff quote from TD Bank in the amount of {$27000.00} XX/XX/year> - I made a payment in the amount of {$460.00} to TD Bank as the insurance check had not yet been sent XX/XX/year> - TD Bank received the insurance check in the amount of {$27000.00}, and applied {$27000.00} to principle, {$78.00} to interest, and {$420.00} to fees XX/XX/year> - I called to request information on what these additional fees were and why they were not refunded to me, was told that they were in fact being refunded once the check cleared. Seeing that there was no paper trail for the refund to prove it, and I would lose access to my account in 60 days, and having looked up this issue, I found that this has happened before to others and I should act fast by putting in this complaint based on this post. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX wrote a check to the U.S. Treasury for {$6500.00} for estimated taxes. This was written on check number XXXX. On XX/XX/XXXX the IRS notified XXXX of missing tax payment in the amount of {$6500.00}. XXXX immediately investigated the issue, reviewing all previous checks mailed to the U.S. Treasury for estimated tax payments. On XX/XX/XXXX XXXX discovered check XXXX had been stollen from the mail, and the check was fraudulently re-written in the amount of {$5000.00} and made out to an individual named XXXX XXXX XXXX XXXX. This individual fraudulently signed the signature of XXXX XXXX and cashed the check at a XXXXXXXX XXXX in XXXX, OH ( this knowledge was provided to us by Bank of America ). On XX/XX/XXXX XXXX reported a claim with the XXXX ( XXXX XXXX XXXX department ) that is recorded under case ID XXXX. Also on XX/XX/XXXX, XXXX reported the fraud to Bank of America XXXX XXXX bank ), and on XX/XX/XXXX the bank informed XXXX by phone that the decision had just been made to deny the claim. The notes from the investigator acknowledged obvious signs of fraud, such that the check details were inconsistent with all other previous checks written by XXXX ; however, since the fraud was identified and reported outside of 60 days from the checking statement, the claim was denied and they will not be refunding JLPTs checking account for the damages of {$5000.00}. On XX/XX/XXXX XXXX requested a reconsideration of this claim denial. We believe the bank failed to act in good faith in not detecting this fraud, since the hand writing and signature significantly differ from all previous checks issued by XXXX. Furthermore, XXXX has never written a business check to an individual person ; instead, we purely use our check book to submit payments for taxes to the U.S. Treasury and to New York State. Lastly, we believe that under UCC 4-406 ( 4 ), the forgery of signature and the fact that this advanced fraud was not reasonably discoverable legally extend the time span in which XXXX has XXXX identify and report this fraudulent incident to our bank.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I went to pay my credit card bill today, and noticed my account was closed. I then got an email stating my account had been closed without sufficient evidence. I reached out to support and they told me my account violated the terms. I told them I hadnt and had never missed a payment in over a year. They didnt acknowledge that fact and then said that this would be the last communication regarding the fact. They refused to give me any more information after I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I refinanced XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with United Wholesale Mortgage, XXXX, MI. At closing part of the {$5600.00} I wired to the XXXX XXXX XXXX XXXX included {$1400.00} for homeowner 's insurance. I was sent a XXXX page from the insurance company covering the period XX/XX/XXXX to XX/XX/XXXX so I presumed I had insurance. I was informed by my agent in late XXXX the premium had not been paid and that the property was never insured. I have filed a complaint against the title company with XXXX. I understand it was their mistake and that they are legally liable for not assuring payment was made. But I have been informed that it is also the responsibility of the mortgage company not to assume a loan without verifying the insurance on the property. They did not call the insurance company until XX/XX/XXXX, to verify insurance. Now UWM is going to charge me a force-placed policy of XXXX to cover the lapse. I think XXXX shares some culpability in the property not being insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My husband died on XX/XX/XXXX. I received the death certificate in XX/XX/XXXX and began to work with Freedom Mortgage to send documents. Immediately I was locked out of the account and my only resort was to call in and continue paying the mortgage online. Many months have passed now. 7 months later and the XXXX XXXX says my case is still in the back office. One of the delays was because Freedom Mortgage said my drivers license needed to sent in color- not black and white. Lately, they are demanding an affidavit for which they can not name or provide a template. I was successful at having the mortgage company send a letter that states, we will need to review the following documents : an order, decree, or other court documents determining ownership interest. I have a probate attorney and he claims that the wording Freedom Mortgage uses is confusing. He does not understand what is being asked for. I also called our county property appraiser and they verified that the death had been recorded and the deed was on file but could not comprehend what affidavit the mortgage company could be asking for either. One person suggested that Freedom Mortgage could be using Texas legalese that does not translate to me in Florida. In other verbiage used by Freedom, the operator says I need a recorded affidavit showing the beneficiary deed was not revoked prior to death. Sometimes they say, affidavit of survivorship for non revocation showing beneficiary deed was not revoked prior to death. I have submitted documents in : the court appointment naming me the executor of the estate and Letters of Administration. The recorded deed, my drivers license, death certificate. I feel as if this company is making unnecessary and unarticulated requests for an affidavit that can not be defined and produced. It is now XX/XX/XXXX and I am still blindly paying the mortgage and awaiting the processing of this assumption.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid my card, the balance the next day was XXXX. I called them, they told me I will not be able to use my card for FIFTEEN DAYS. I am XXXX XXXX XXXX and live in XXXX XXXX NEW JERSEY. I can not afford to lose {$3000.00} for TWO WEEKS. Absolutely ridiculous

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
Harley Davidson motorcycle charge off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I am disputing a collection account reported by ProCollect , Inc. for approximately {$6400.00} related to a prior apartment lease. This amount is inaccurate. At the time of my move-out, I received documentation showing that I owed approximately {$2000.00}, not {$6400.00}. I have retained records supporting this lower balance. I submitted a dispute with XXXX requesting verification of the reported amount, specifically asking for an itemized statement showing how the balance of {$6400.00} was calculated. XXXX responded that the account was verified, however, no documentation or itemized breakdown was provided to support this amount. To date, I have not received : An itemized statement of charges A copy of the lease agreement supporting the charges Documentation showing how the balance increased from approximately {$2000.00} to {$6400.00} Because the amount being reported is significantly higher than what I was originally billed, and because no verification or supporting documentation has been provided, I believe this account is being reported inaccurately. I am requesting : A full itemized statement of the charges Verification of the accuracy of the reported balance Correction or removal of the account if the amount can not be properly validated This matter is causing harm to my credit and ability to obtain housing, and I am requesting a proper investigation in accordance with 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 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I sent XXXX XXXX XXXX a written debt validation request for an alleged {$580.00} CitibankXXXX account XXXX They responded twice both times with the exact same form letter. Both letters included a transaction history table that was completely blank. They never sent a signed original agreement, no chain of ownership documentation, no proof they are licensed to collect in Georgia, and nothing that actually proves this debt is mine. When I pointed that out in a follow up letter, they sent the same form letter again. My dispute was never actually reviewed by a person. Despite failing to validate the debt, they continue to report this account on my credit report.

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had a Venmo account in good standing and used it to receive and transfer funds, including direct deposits and transfers to my linked accounts. Without warning, my account was restricted and my balance of {$10000.00} was frozen. I was not provided with a clear explanation at the time of the restriction. I immediately contacted Venmo support to understand the issue and resolve it. However, I was only given a generic response stating that they are unable to release the funds at this time and that the funds may be held for up to 180 days. I was not informed of any specific violation, suspicious transaction, or action on my part that caused this restriction. I was also not given any steps I could take to resolve the issue or expedite the release of my funds. As a result, I currently have no access to {$10000.00} of my own money, with no clear reason, timeline, or path to resolution provided by Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I disputed a collection account reported by Jefferson Capital Systems related to a XXXX account from 2019 for approximately {$700.00}. The credit bureau responded within one day stating the account was verified, which raises concern that no reasonable investigation was conducted. I have not been provided any documentation proving the validity of this debt, including proof of ownership, the original contract, or full chain of assignment. I also have concerns regarding the accuracy of the reporting, including dates and account details. Under the Fair Credit Reporting Act, I am requesting proper verification of this account. If the company can not provide sufficient documentation, this account should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Complaint Description Improper Closure of Fraud Case & Failure to Investigate ( Case # XXXX ) I am filing a complaint against Coinbase for closing a fraud case without resolving unauthorized account activity or financial loss. My account was accessed without authorization and transactions occurred while I was asleep. I reported this immediately and a case was opened ( XXXX # XXXX ). Coinbase subsequently closed the case after refunding only a transaction fee, without addressing the unauthorized transactions, missing funds, or the security breach itself. This action does not constitute a reasonable investigation or resolution. The core fraud issue remains unresolved, and I have not received reimbursement, a clear explanation, or adequate support. My ability to access my account and funds has also been impacted. Closing a fraud case under these circumstances raises serious concerns regarding Coinbases fraud response procedures, account security practices, and compliance with consumer protection expectations. I am requesting : Immediate reopening and escalation of this case A full and documented fraud investigation Reimbursement of all unauthorized transactions Detailed account access records ( IP logs, devices, timestamps ) Restoration of access to my account or funds I am seeking assistance from the Consumer Financial Protection Bureau to ensure this matter is properly investigated and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: OK

Complaint narrative:
I am filing a formal complaint regarding improper fees charged to my account by Sezzle that were caused by system failures on their platform, not by any failure on my part. I am a paying Sezzle member ( {$19.00} subscription ), which explicitly includes priority customer service. However, I have not received the level of service promised, especially when attempting to resolve urgent billing issues caused by their system. The issue stems from Sezzles platform not functioning properly in the following ways : * The system does not reliably allow payment rescheduling * It submitted duplicate or unrecognized payment attempts without proper authorization or clarity * These duplicate/unrecognized transactions were flagged and rejected by my financial institution As a result of Sezzles system errors : * I was charged a {$6.00} payment failure fee * I was charged a {$16.00} late payment fee * These fees were applied to transactions that were not valid or were caused by their own system malfunction Once my bank rejected the duplicate/unrecognized charges, Sezzle then treated those rejected transactions as missed payments and assessed additional late fees. This creates a cycle where their system error directly results in financial penalties against me. This is not a case of missed payments due to consumer negligence. This is a case of : * Improper system-generated transactions * Failure to provide functional account management tools * Failure to provide adequate customer support despite a paid membership * Charging fees tied directly to their own platform errors I made good faith efforts to manage and complete my payments, but Sezzles system issues prevented me from doing so properly.

Company response to consumer: Closed with explanation