vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
HAPPENED I am submitting this complaint because Bank of America recently allowed me to open a new deposit account, but shortly afterward the account was closed by its Disclosure Department based on an internal determination that I allegedly represented an identity theft or fraud risk. This action is particularly concerning because I have made every effort to verify my identity and comply with the banks requirements. In a prior response to my CFPB complaint, Bank of America stated that it was not reporting my accounts to XXXX or XXXX XXXX XXXX and that the previous account closures were business decisions. Despite that, I was again denied the opportunity to maintain a banking relationship after successfully opening a new account. The bank has not provided me with a clear explanation of what specific information caused it to conclude that I present an identity theft risk, nor has it identified any verified fraudulent activity attributable to me. Without this information, I have no meaningful opportunity to address or correct the issue. As a consumer acting in good faith, I believe it is reasonable to request transparency regarding the basis for this determination and an opportunity to have my current information reviewed. I am seeking to establish a legitimate banking relationship and have demonstrated my willingness to cooperate with all verification requirements. I respectfully request that Bank of America conduct a comprehensive executive review of my file, explain the basis for its determination, and evaluate whether its internal records accurately reflect my current identity and risk profile.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
As of XX/XX/year>, my loan reached maturity. Throughout the life of the loan, every statement I received consistently reflected the regular monthly payment amount of {$130.00}. At no point did any statement indicate that additional fees had accrued on my total amount due. On Saturday, I received a phone call informing me that my account now has a balloon payment of {$970.00} due to 37 alleged late payments. This information came as a complete surprise, as I was never notified of any late payments by phone, mail, or through my monthly statements. Furthermore, none of the statements I received ever reflected late fees being added to my monthly payment amount. After receiving this information, I submitted a formal complaint with the company on Saturday. However, I was not informed at that time that the complaint review process could take up to 30 days. It was only when I contacted the company again today for an update that I learned of this timeline. The balloon payment is due by the XXXX of this month, and I have been advised that failure to pay by that date could negatively impact my credit score. This effectively provides me with only 14 days to address a substantial and unexpected balance while my complaint remains under review. When I originally established this loan, I was informed that payments could only be made either by phone or through my bank. I have consistently made payments through my bank as instructed. However, I was unaware that the processing time for those payments may have resulted in them being received late by the company. Additionally, I recently learned that the company does not offer any grace period for payments, a policy that I find unreasonable given that many financial obligations and billing arrangements commonly provide some form of grace period. I was also informed for the first time on Saturday that the company has an online payment system. My understanding is that this system has only been available for about one year. Even so, the online portal appears to serve only as a payment platform and does not provide account details regarding accrued late fees or other charges that may affect the loan balance. Given these circumstances, I am extremely concerned by the lack of notification regarding the alleged late payments and the resulting balloon payment now being demanded with very limited notice. I believe this situation warrants a thorough review and a fair resolution.

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 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I did a loan modification at the end of XXXX beginning of XXXX due to a family hardship. When I did the loan modification everything was fine but then the payment after the loan modification jumped up {$800.00} due to insurance and property taxes increasing. My in-laws moved in and we were supporting them and keeping their mortgage going at the same time while my father-in-law was on XXXX until he past this XX/XX/XXXX. We listed the home to keep from going into foreclosure XX/XX/XXXX at the lowest amount they stated they would take {$700000.00} for a short sale ( 88 % ) of the amount owed ( {$780000.00} ). At this time my loan was with PHH. Fast forward to XXXX we started fire saling the home to get a contract to stay the foreclosure date and get it sold for as much as possible. PHH sold my mortgage to Onity in XXXX and on XXXX the short sale negotiator I was working with had to resend all the documents to the new company Onity. We finally went under contract on XXXX for {$580000.00}, PHH knew we had been on the market trying to sell the property and the sale to the new company, I do not know the specifics, but when we sent the contract over, the negotiator was told they would not even look at the contract because it was not 37 days before the auction date. I felt like we went through this whole process and put so much work into the sale of the home based on what PHH was willing to accept and then because they sold to a new company this changed all the rules we had been following. The home auctioned on XXXX and we then found out that it was auctioned off for less than we were under contract for. {$530000.00}. I then reached out to the department of Veteran Affairs because this was a larger deficiency then expected and wanted to find out how this would impact my VA eligibility. When I called on XXXX, I was informed that when I did my loan modification I had signed a form that basically stated I was getting a VA loan but not using my VA eligibility so the VA guarantee was removed and now the entire deficiency is going to impact my credit vs. being paid by my VA guarantee. This document I signed was apparently signed when XXXX XXXX owned my mortgage then sold to PHH. Now I feel that everything in this complaint the loan modification, the sale of my home and then the auction I was just a peg and nobody actually was looking at my file or explained to me what was actually going to happen. This is not my industry and at the end of the day I do not feel that anyone adequately explained to me the process or the consequences of this process.

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 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I've been trying to pay off my loan faster with direct payments, but it's been 3 months and I can't. I've contacted the company several times and tried all the methods they suggested, but none worked. Trying an extra payment on the same day as the AutoPay transaction failed and was applied to the next installment. I contacted them again and they said they applied the interest first, even though I want to pay the full amount directly. They told me to pay on any day other than the AutoPay payment day, but that didn't work either and was applied to the next installment as a discount. I contacted them again and they said they resolved it, and told me to pay on the same day as the AutoPay payment again. I just checked and it's been applied to the next installment as a discount, contrary to what I wanted. I'd like to know how to pay directly through the app, or perhaps have them enable access so that any amount greater than the monthly installment paid within the month is automatically applied.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year>, USAA placed a 60-day hold on my funds due to a " fraud claim '' that I did not initiate and was not notified about. I was not given any documentation, case number, or explanation for the claim. When I contacted USAA, they refused to provide details about the alleged fraud, refused to release any portion of my funds, and refused to escalate the issue to a fraud supervisor. I repeatedly asked for the reason for the hold, the date the claim was opened, and any supporting documentation. USAA would not provide any information. They only stated that my money would be held for 60 days. This hold has prevented me from accessing my own funds to pay bills and essential expenses. I have made multiple attempts to resolve this with USAA, but they have not provided transparency, documentation, or a reasonable explanation for restricting my 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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I visited a Bank of America branch to send a domestic wire transfer of {$90000.00} to XXXX XXXX XXXX ( Remittance ID : XXXX ). The bank employee processed my request and gave me an official authorization document confirming the transfer. I was told it was approved. The next day, I discovered the money had not moved. I received no phone call, email, or any notification. I returned to the branch and only then learned the Fraud Department had placed a hold on my wire. Staff incorrectly claimed my XXXX XXXX prohibited me from sending wire transfers to brokerages this is factually wrong. The branch manager then summoned armed security and had me escorted out of the building, despite my calm behavior. The following day I called and learned my account had been closed with no prior notice. I was told a check would be mailed within 40 days, leaving {$95000.00} inaccessible. When I said I wanted to complain, the representative told me I had no right to complain.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received a new Bilt XXXX XXXX XXXX as my XXXX XXXX Bilt card was being deactivated on XX/XX/year>. I was following Bilt 's instructions to migrate to the new card this was not a choice I initiated but a required transition on their end. During the migration, a balance of {$4700.00} transferred into my new account. I was aware a balance had transferred but believed my autopay would cover it as it always had on my previous card, and I was following the setup steps Bilt provided. At no point during the onboarding or migration process was it made clear that two separate autopays were required one for rent and one for the credit card. I set up autopay following Bilt 's instructions but unknowingly only completed rent autopay. My previous card had a single autopay covering everything, so I had no reason to believe my setup was incomplete. Throughout this entire period I was actively using the app and paying my rent in full and on time every month. I received no push notifications or XXXX alerts about the growing balance. By XX/XX/year> my account was closed. I incurred {$110.00} in late fees and approximately {$390.00} in interest charges before paying the full balance of {$5200.00}. This has negatively impacted my credit report. I have contacted Bilt customer service four times over five days with no resolution or follow-up. Bilt confirmed on my most recent call that two separate autopays were required, which was never clearly communicated during the migration process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Foris DAX, Inc.
State: MD

Complaint narrative:
I filed a goods not received complaint with the company as I used their debit card to purchase something. They locked my account during the dispute process with all money in it. I called the bank and recovered the funds myself, they have been redeposited in that account. The bank will not allow me to withdraw the money. Fraud was never claimed in this case. It was a straight up company that went out of business. My card was not used without my permission. There is no reason to hold my money XXXX. It is my money. It has been held for 30 days. The refund has been held for 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, XXXX XXXX opened up a complaint in order to resolve return protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance with the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint and issue the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
" On XX/XX/XXXX, I was approved for a {$250.00} loan. The lender routed the funds to an inactive, closed debit card, and my bank confirms no funds were ever received or deposited. I promptly notified the lender via email to dispute the balance since the loan was never funded. The lender ignored my written dispute and is currently attempting to unauthorizedly debit my bank account for a principal balance I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
Citizens Bank recently began sending me emails stating that my account is overdrawn. I HAVE NEVER HAD AN ACCOUNT WITH CITIZENS BANK. I tried to resolve this over the phone but they demanded to have my Social Security Number. I refused for 2 reasons : I never opened an account with Citizens, and I would never ever give my SSN to a stranger over the phone. Next, they sent me a letter threatening a formal collections effort. I called the number they provided for their Collections Department. Once again, they demanded my SSN. I refused. I offered to give the last 4 of my SSN to try to resolve the problem, but they said they needed more. Any contemporary database should be able to search on first name, last name, and last 4 SSN. This is highly suspicious. I suspect that either 1 ) someone fraudulently opened an account in my name, or 2 ) someone is pretending to be Citizens Bank in an attempt to get me to pay money or reveal my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX {$350.00} in agreement that shed sew a dress with materials I provided, I was solely paying her for her time. XX/XX/XXXX she had responded she was waiting for additional materials but from there should only take a couple days. XX/XX/XXXX I reached out for an update as the dress was suppose to be ready for XXXX XXXX ( XXXX ) and entire month and 5 days after payment. For a dress that could be completed in a week, two weeks at most. XX/XX/XXXX I reached out again to see if she was still able to complete it and provided a new address to send to. XX/XX/XXXX I formally requested a full refund as it had almost been two months since the initial payment. XX/XX/XXXX XXXX XXXX denied my request for a refund and said she was ripping apart the dress. I have reason to believe the dress was not started as she did not provide updates or communicate, I initialed contact. XXXX also made belittling remarks following denying the refund. I am requesting a chargeback as its not my fault if she spent the money, we had agreed on a merchandise/service one I did not receive and she did not start on therefore should be fully returned not partially as I provided all the materials to begin with. Cash App denied my request, I filed for an appeal with all information and screenshots and it was denied again. XXXX XXXX has also denied my claim. However, the payment was an agreement that was not fulfilled. The merchant failed to deliver the item purchased for {$350.00}, and explicitly refused a refund. I am disputing a failure to deliver merchandise under billing error rules, not account hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2026 I spoke with a Citi credit card phone rep regarding payment options concerning my XXXX credit card. I had fallen a few months behind on my payments due to a financial hardship. During the phone call, I specifically asked the phone rep if my payment would prevent my credit card from closing. The Citi rep reassured me that my payment would prevent my account from being closed. I then went ahead and made a payment on XXXX. About a week later, I had learned that my credit card had been closed because my payment did not cover the past due amount but the phone rep didn't make me aware that I needed to pay the past due amount in order to prevent my credit card from closing. After learning that of my account being closed, I reached out to the Citi and asked to speak with a supervisor ( XXXX ) regarding the XX/XX/XXXX phone call so they could hear for themselves that I was reassured by a Citi employee that my payment on XX/XX/XXXX would prevent my credit card account from being closed. The Citi XXXX I spoke with ( XXXX XXXX listened to the XX/XX/XXXX call and agreed with me, that I was told by the Citi employee thst my XX/XX/XXXX payment would prevent my credit card account from being closed. I was then told by XXXX that he was going to submit a request to have my account re-opened due to the misinformation I was given during the XX/XX/XXXX phone call with the Citi phone rep. Less than 24 hours later, Citi notified me that my request to have my credit card account re-opened was denied. I believe that Citi violated my cardholder rights due to the human error commited by their employee during the XX/XX/XXXX phone call. Plus I was not given the option of being put on a payment plan due to experiencing a financial hardship earlier this year.

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 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
Letter from XXXX XXXX XXXX XXXX shows that they did not place a lien on my house over a fraudulent credit card Keynote consultant Attorney XXXX XXXX and criminals in the debt collection department at XXXX orchestrated and forged XXXX XXXX name, in XXXX XXXX XXXX XXXX and placed an illegal lien on my property. XXXX researched department has determined that this was forged by the trio that I mentioned earlier This criminal enterprises has been referred to the Federal Trade Commission and the record will show that they forged XXXX name on court documents and filed a lawsuit resulting in a summary judgement, which is invalid in the state of Illinois because I was never served No need for explanation Keynote Consultant All bad deed will be dealt with Remember laughing at me and calling me names on the phone good for you Ill see you in court soon You need to explain to XXXX XXXX XXXX XXXX why you and your goon squad forged documents and lied to XXXX XXXX XXXX XXXX You laughed at me and I took it like a man now is your opportunity to explain your felonious behavior.

Company response to consumer: Untimely response