vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Tuesday, XX/XX/XXXX I received an email from Chime notifying me that my account has been closed. They closed it without any explanation on my account activity or without prior notice / warning. I have a balance of {$220.00} USD upon the time of closing. I called Chime customer service one time on XX/XX/XXXX and another time on XX/XX/XXXX. Both notified me that my Chime account has been closed as they have the right to close accounts at any time for any reason. They also both told me that Chime will be keeping my remaining balance and not refunding me via either by a linked checking account or a check in the mail. Upon looking online, I came to find out this is a very common and business practice by Chime. They close other customer 's accounts without reasoning or prior notice and refuse to refund the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
For my business credit card, at some point Bank of America outright disabled my autopay from my XXXX account. This also removed the XXXX account from my BOA payment options. That then went past due, so I setup microtransactions, called into support and provided the Routing and Account number to pay {$7600.00} from it. I confirmed with BOA support afterwards that the values were correct which it was, as well as checked with XXXX to see if this ACH pull ever came in to their system. They checked with their back end system and confirmed it never showed up. After this, BOA closed my account. Problems in short : BOA deleted my autopay and source account to pull funds from without any notification and the payment went late. After that, despite being provided the correct ACH information to another bank with funds, BOA said that the payment was returned despite the other bank never getting the request and confirming that there was no reversal.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX i tried to get back into my chime account as i had been locked out for quite some time and i thought there had been money in the account so i called their customer support number and spoke with an agent. That agent informed me that my account had been closed because i couldnt verify my identity. Upon recovering my account i noticed that all of the transactions leading up until they closed my account were not authorized or made by me for like 6 months prior to them closing my account. They started the diapute process for me on this day. On the XXXX business day after filling this huge dispute i called to see if they were going to provide me with a temporary provisional credit since the dispute had not been settled. This was XX/XX/XXXX. The first representative i spoke with that day told me i was on the schedule and they would be issuing me a temporary credit that day. I waited until nearly XXXX XXXX and still hadnt recieved any such credit so i called them back and inquired about it again only this time the told me that i was ineligible for a temporary credit. It is now XX/XX/year> business days after filing these disputes, and my disputes are still open they havent been closed and i still havent recieved the credit or resolution im entitled to under regulation e. The disputed transactions consisted of peer to peer transfers and atm withdrawal transactions. The total disputed amount was over XXXX dollars that i did not authorize to leave my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I have been called non stop since XXXX about a repossession but when I answered they never gave me the answers I was looking for. They have called non stop since XX/XX/year>. I usually get anywhere from 5-6 calls everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX repeatedly identified itself to me as a debt collector under the FDCPA while actively pursuing collection and foreclosure activity relating to an alleged mortgage debt. The firm continued attempting to collect and enforce the debt despite repeated formal disputes and repeated requests for verification of lawful ownership and authority to collect. I requested documentation establishing lawful ownership and authority to collect the alleged debt, including assignment/transfer history, proof of possession or holder status, chain-of-custody records, and authentication documentation relating to the Assignment of Mortgage and Allonge relied upon in foreclosure proceedings. The firm did not provide the requested documentation. Instead, it continued relying on disputed instruments and continued foreclosure enforcement activity while representing itself as a debt collector attempting to collect the debt. The issues concerning ownership and authority remain actively disputed across multiple proceedings, including foreclosure litigation, appellate proceedings, CFPB proceedings, and pending federal litigation. XXXX XXXX itself represented to the CFPB that it was still working on substantiating ownership and authority issues and required additional time to provide a final response. Despite this, XXXX XXXX XXXX continued collection and foreclosure enforcement activity and continued making representations concerning the debt and authority to collect without providing competent verification responsive to the disputes and document demands that were served upon them. The firm has also continued relying on instruments and standing assertions that remain materially disputed and unsupported despite repeated formal notice, preservation demands, and requests for verification. In addition, government agency responses obtained during the disputes and litigation process indicated that key notarization records and notary journals associated with the instruments relied upon in the foreclosure proceedings could not be verified or produced. These issues concern the Assignment of Mortgage and related instruments used to support the claimed authority to collect and foreclose. Despite these unresolved verification issues, XXXX XXXX XXXX continued debt collection and foreclosure enforcement activity.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
1. Capital one requested evidence as part of a dispute claim. I provided this three times. Apparently a letter from the device manufacturer sent via capital one 's upload url and via email is deemed as " not received ''. Have they addressed this failure in their dispute process or given me an adequate reason why they are saying the did not receive it? No. 2. I sent a long rebuttal of the merchants documentation to Capital One. Have they reviewed and responded to points and inaccuracies raised? No. 3. I have requested, VIA THEIR PRIVACY PAGE, all marketing junk cease. Have they actioned this? No. 4. I have called their contact centre to close my account. While being transferred I was disconnected. Has anyone called me back? No. 5. Capital one have again given me a phone number which is not answered and no one calls back. Why provide this? Have they answered this? No. 6. Have they provided an adequate reason for denying my dispute? No. First denial due to it being a valid purchase. Never said it wasn't. Have they responded to this? No. 7. They have not provided ALL steps and documentation used to determine their judgement, despite stating this can be requested on their automated denial emails. Have they responded to this? No. 8. " Contact the merchant ''. The correspondence is included as part of my evidence. Have they reviewed this? No. So, I repeat, a failure to answer a customer complaint. I feel they are lying to cover their own failures at my expense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was the victim of close to {$8000.00} in fraudulent charges on my debit account. I reported this to Bank of America as soon as I became aware ( charges happened on XX/XX/XXXX and XX/XX/XXXX ). I reported this on XX/XX/XXXX. This occurred while I was physically at a conference out of state. I was in XXXX and the fraudulent charges happened through XXXX XXXX in XXXX and XXXX - cities I have no ties to. I like in XXXX. The bank denied my fraud claim within ten business days in order to avoid giving me a provisional credit on the account using faulty logic that it is not fraud since it was linked to my XXXX Account. I have cited Regulation E that the maximum I am liable for is {$50.00} through Regulation E given the reporting timeline. They have not provided any documentation of their investigation results during this process. I requested full documentation be provided in my second appeal on XX/XX/XXXX, and this has not been provided still. This has caused financial hardship as I had purchased furniture before this started and I was side-swiped one week after this. I was not liable, but I did have unexpected expenses in terms of my my deductible and having to get a rental vehicle. I need this claim resolved in a timely manner, and I want to prevent people from being put in a similar 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 monetary relief
Consumer complaint received 2026-05-20 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/XXXX I got a phone call the caller id said it was from my bank citizens bank, and wanted to verify a couple of suspicious transactions my bank branch told me that they sometimes do that so the caller knew my last two purchases and where they were from I said yes those are mine. The caller said that I was all set and my card could be used again. I thought something was wrong so I immediately checked my account on line and noticed two charges one to XXXX XXXX for XXXX and one to the XXXX XXXX XXXX XXXX for XXXX. So I called the number on back of my credit card and filed a report XXXX XXXXXXXX they told me I would not be responsible and to destroy the card and a new one would be sent and I would have to wait two billing cycles to find out if the claim is approved. When the new card arrived I did not activate it but the XXXX was one the statement for that new add and transfer fees of XXXX more I called the number again on the back of the card after calling my bank branch they told there is nothing they can do and I was directed to the claims department they told I had to file another claim because the money was posted that was XX/XX/XXXX and I have still not herd anything from citizens bank Ive emailed their claims department and still no response when I call them they keep telling me different things one will say I dont have to make payments on the XXXX another one will say I do and no one will send me confirmation either through the mail or email please contact me if there are any questions XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have been a Marcus by Goldman Sachs Online Savings customer for three years. After initiating a legitimate $ XXXX outbound ACH transfer on XX/XX/year>, to my long-established linked XXXX account under the same name, my Marcus account was suddenly placed into restricted status. Since the restriction was placed, I repeatedly contacted Marcus customer service on XX/XX/year>, seeking clarification, resolution, and access to my funds. I was informed only that my account is under review by a backend department. Customer service representatives repeatedly stated that they do not know and can not share : * the reason for the review, * the expected timeline, * what documentation or verification may be needed, * or what steps can be taken to resolve the restriction. I fully cooperated throughout the process and repeatedly expressed willingness to complete any identity verification, transfer verification, or documentation request immediately. However, no such opportunity was provided. On my most recent call on XX/XX/year>, I requested escalation to a supervisor due to the urgent and time-sensitive nature of the funds. After being transferred to a supervisor, I was again told that no additional information could be provided and that I could not speak with anyone higher by phone. The supervisor stated that the only available action was to leave a message for the internal review team, with no guarantee regarding if or when anyone would contact me. At present, approximately {$500000.00} of my own funds remain inaccessible without any explanation, timeline, or meaningful communication from Marcus. This situation has created significant financial and transactional risk due to the time-sensitive nature of the transfer. My concern is not the bank conducting reasonable fraud prevention reviews, but rather the complete lack of transparency, inability to communicate with the reviewing department, absence of any resolution path, and indefinite restriction on access to my funds despite my full cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I accessed my credit report in XX/XX/year> to discover XXXX plus accounts and over XXXX addresses that where unauthorized. I called all the companies and they were all removed from the credit file except Capital One XXXX, XXXX XXXX XXXX and XXXX XXXX. I filed a FTC and XXXX XXXX and valid dispute and they keep putting the account on my report and its stopping me from closing on my home. The negative and fraudulent account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: IL

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer through Abound. The funds were successfully deducted from my account, but the transfer has still not been completed after more than 40 days. Since the transfer date, I have repeatedly contacted Abound support through email requesting updates and resolution. I was initially given generic responses stating that the transaction was in the final stage and under review by their banking partner. Later, I was informed that the delay was due to compliance and verification checks. On multiple occasions, Abound provided estimated timelines for completion, including a written statement that the transfer would be completed within 23 business days. Those timelines passed without resolution, and I still have not received my funds. Abound does not provide phone support, which has made it difficult to obtain meaningful escalation or direct assistance. I have requested clear information regarding : - the current location/status of the funds, - whether the funds are being held by an intermediary or banking partner, - and a definitive completion timeline. However, I have not received a satisfactory resolution. This delay has caused significant financial stress because the transferred funds are important and have been unavailable for an unreasonable amount of time. I am requesting assistance in obtaining : 1. Immediate investigation into the delayed transaction, 2. Clear confirmation of where the funds are currently held, 3. Completion or return of the transfer without further delay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I was the victim I was directed by the scammer to This was fraud induced by criminal Capital One denied my dispute status I have filed reports with : 1. XXXX XXXX XXXX XXXX - Case 2. XXXX Police Department XXXX Re 3. XXXX XXXX XXXX XXXX XXXXXXXX 4. FBI IC3 I am requesting that Capital One I have screenshots of the scammers number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against XXXX Bank for their ongoing failure to stop unauthorized billing on my account, violating my rights under the Fair Credit Billing Act ( FCBA ) .In XX/XX/XXXX, I successfully disputed and won a {$10.00} ticket charge with XXXX XXXX Car. Following that dispute, XXXX began an unauthorized recurring charge of {$92.00} per month without my consent. On XX/XX/XXXX, while addressing a separate overcharge by XXXX, I discovered they had successfully billed my card twice for this unauthorized {$92.00} fee.I have contacted XXXX to dispute these two charges and explicitly demanded that XXXXXXXX XXXX XXXX be blocked. XXXX has failed to implement a hard merchant block, allowing XXXX to continually bypass standard dispute protocols, likely via XXXX 's automatic card-updater or recurring token systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
Truist Financial improperly reversed my auto loan payoff after initially processing the account as paid in full. They did not communicate to me that they reopened the loan and that additional payments would be due. They also refused to provide clear written documentation or explanation for the alleged " system correction '' that reopened the loan. Truists own transaction history shows that on XX/XX/XXXX a XXXX XXXX transaction in the amount of {$22000.00} reduced my loan balance to {$0.00}. XXXX records also reflected the loan as paid. Truist later issued me two refund/overpayment checks. Weeks later, on XX/XX/XXXX, Truist entered a XXXX PAYOFF REVERSAL that reinstated the loan balance after the account had already been processed as paid off. Additional correction and allocation entries were then added retroactively using the original effective date. I dispute the legitimacy and accuracy of these journal entries and believe Truist improperly reversed a completed payoff and/or misallocated payoff funds internally. Additionally, since I was not aware that the loan had reopened, I thought the bills received in XXXX were fraudulent. On XX/XX/XXXX upon calling the fraud department at Truist, the associate told me this was fraud and advised me to not pay the bill. Fraud Case # XXXX. Therefore, the late payments resulted from this call.

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 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: NY

Complaint narrative:
My card does not work at all now. I can not take out money, transfer money, put the card on cash app, pay my cell phone bill everything is unauthorized and its not saying why. When I call I dont even have the option to do anything they want me to get a new card but the card is not the issue its the way to go program itself. I dont want that account anymore I want everything going to my bank account personally

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
I got a XXXX late fee for no good reason. I am trying to work with the company as I have never been late before and never missed a payment. There was an error with the website that interfered with the payment so it didn't go through when i thought it would. Now they're trying to stick with with an {$80.00} fee for nothing. I don't even want to work with this company. They took my loan servicing and I was given no choice in the matter. I'd leave and work with another company if I could but I can't. So I'm trapped with these scumbags who just want to gouge their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn credit contacted my ex-husband and discussed a utility bill now posting his physical address on my credit report this company is unscrupulous and doing dirty tactics and third-party disclosure stop calling stop calling stop calling, I would like the phone log of all the calls they made in reference to this to this debt. I want all log calls made and skipped tracing theyve done in reference to this debt.

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