vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
What happened On XX/XX/XXXX, I entered into a homeimprovement contract with XX/XX/XXXXXXXX XXXX for installation of a XXXX XXXX XXXX system with dualzone capability. The contract clearly states : Your card will not be charged until the project is complete. The project was never completed, and the contractor did not install the equipment I contracted for. Despite this, Synchrony Bank charged my account without my authorization more than a year later. Key facts and evidence XXXX. Wrong equipment installed ( not what I agreed to ) My contract specifies : Manufacturer : XXXX XXXX XXXX XXXX. However, the contractor later admitted in writing : The system installed was American Standard ( Letter from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ) This is a material deviation from the contract. XXXX. The project was never completed The contractor failed to complete multiple contracted items, including : Dualzone system Siding repair Wall repair Correct equipment installation Proper thermostat zoning System functionality The system malfunctioned repeatedly, causing unsafe temperatures ( over XXXX inside my home ) and requiring XXXX service visits, lost wages, and property damage. XXXX. The final acceptance signature on the invoice is forged The invoice provided to Synchrony contains a signature labeled : Sign here Forged Date XX/XX/XXXX I did not sign this document. I did not authorize final billing. I did not accept the work as complete. XXXX. Synchrony charged my account without my authorization The contract states : Your card will not be charged until the project is complete. The project was not complete, yet Synchrony processed the charge over a year later, without my consent and based on a forged signature. XXXX. Synchrony denied my dispute without addressing the evidence Synchrony denied my dispute claiming : You have accepted responsibility for the charges. This is incorrect. I never accepted the charges, never signed the completion documents, and never authorized the final billing. Synchrony did not : Provide evidence of my authorization Address the forged signature Address the contractors written admission of installing the wrong system Address the fact that the project was never completed Address the contract clause requiring completion before charging

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
XX/XX/year>, received a hard credit check alert and saw that a credit card was opened in my former name ( previous married name that has not been used in almost 10 years ). When looking into it, it was an XXXX XXXX Credit card. I contacted the bank involved, Synchrony ; I contacted XXXX I have other accounts with it ) ; and I contacted XXXX XXXX to notify them of this fraud. I have never opened a credit card on XXXX, and I most certainly would not under a name I do not have. The card was sent to my home address, where I destroyed it ; the account was not activated, and I would like this removed from 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 non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a formal complaint against Bank of America for unfair billing practices, technical barriers, and a failure of customer service to resolve a debt on a closed account. I previously lived in XXXX XXXX and held an account with Bank of America. Before relocating abroad to XXXX, I called to close my accounts. The exact outstanding credit card balance ( Card ending in XXXX ) at the time of closure and when I left the XXXX was XXXX XXXX The representative explicitly assured me that the account was closed, no late fees or penalties would accumulate, and I could pay it whenever I could. Despite this, the bank began piling on late fees and interest, and my balance has now more than doubled to {$550.00}. I have spent months actively trying to pay this, but Bank of Americas system is structurally blocking me. Because my checking account is closed, I have no online banking access. When a representative previously agreed to waive the fees if I paid by XX/XX/XXXX, she tried to take my payment over the phone, but the bank 's system repeatedly rejected my international bank card. Furthermore, my international calls to customer service are constantly disconnected, or I am given conflicting information. Today, I managed to reach a Supervisor via their social media care team. The supervisor was extremely dismissive, stating " it is not Bank of America 's fault that you are abroad and can not pay, '' and claimed that because 6 months have passed, the system will not allow him to waive the fees. The only reason 6 months have passed is because Bank of America 's system refuses to accept international payments from former customers and their representatives keep disconnecting my calls. I am, and have always been, ready to pay the original XXXX $ immediately. I refuse to pay double the amount due to Bank of America 's technical limitations and uncooperative staff.

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 2026-06-14 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:
I am filing a complaint regarding the closure of my Wells Fargo account. I discovered four unauthorized claims associated with my account and immediately contacted Wells Fargo as soon as I was alerted to the activity. I did not authorize these transactions or claims, and I did not make any calls to file claims other than the ones I personally made after discovering unauthorized activity on my account. After reporting the issue, I filed another claim regarding additional unauthorized withdrawals from my account. Despite me acting promptly to report the activity and protect my account, Wells Fargo determined that I was misusing my card and chose to close my account. I believe this decision is unfair. The claims process requires a customer to call the bank, and I did not make any calls other than those I made to report unauthorized transactions. I am requesting a full explanation of the investigation, including the evidence used to conclude that I misused my account or card, and I request that Wells Fargo review the decision to close 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 2026-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am facing the repossession of my vehicle today & an unlawful detainer as I am behind on my rent because Bank of America is holding my funds under a false 'New Account ' pretext on an account that is XXXX days old.I have the official Federal Reserve XXXX XXXX XXXX Bank of America XXXX this check on XX/XX/XXXX, and I have written confirmation from the issuer that the {$20000.00} was deducted from their account on XX/XX/XXXX. You already have my money.I have a federal complaint open right now ( CFPB XXXX ID : XXXX ). I need you to call your internal XXXX XXXX XXXX XXXX right now, present this clearance data, and manually release my funds before I leave this lobby. BOA has not been transparent at all. They refuse to allow me to speak to the fraud department of all the employees I have spoken to in the office and over the phone they spew the same script and no one is willing to help resolve the issue at hand. I future investigate and discover BoA has a history of doing this to minorities. My child went to bed hungry. They refused to release any money.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I deposited a {$15000.00} check issued by XXXX XXXX XXXX, MD. The check has been held by Bank of America for over 1 year with no resolution. The issuer will reissue the payment to the payee ( my wife ) but requires written confirmation that the original check has not been cleared. Bank of America has refused or failed to provide any written confirmation of the status of this check despite repeated requests. This has prevented access to funds and timely resolution. I am requesting : 1. Written confirmation of the checks status ( not cleared/ not paid ) to me and, more importantly, to my wife ( the payee on the check ), OR 2. Immediate resolution of the held item This delay is unreasonable and outside standard banking timelines.

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 2026-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am filing a formal complaint regarding a mortgage servicing error involving LoanCare, the sub-servicer of my mortgage owned/managed by XXXX XXXX XXXX XXXX My loan includes an escrow account that is required to pay property-related insurance, including flood insurance. On or around the most recent renewal period of my flood insurance policy, LoanCare failed to pay the flood insurance premium from my escrow account, despite sufficient funds being available in the escrow account at the time the payment was due. As a direct result of this failure : My flood insurance policy was canceled due to non-payment. I was subsequently forced to obtain a replacement flood insurance policy in order to remain compliant with my mortgage requirements. The replacement policy cost approximately five times more than my prior policy. This situation was not caused by a lack of funds in escrow. Escrow statements confirm that sufficient funds were available at the time the insurance payment should have been made. I submitted a formal Notice of Error to LoanCare regarding this issue. However, I did not receive a response or 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 2026-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have filed multiple disputes with Synchrony/Care Credit XXXX Originally, I was going XXXX use their Care Credit card XXXX pay for XXXX dental procedures. I ended up using my XXXX card XXXX pay for XXXX of the procedures, because I cancelled the other XXXX. However, Synchrony/Care Credit are charging me interest fees because the XXXX from the XXXX XXXX swiped the their credit card. While, I did the balance refunded, they are still charging me interest fees. My XXXX XXXX went from XXXX XXXX XXXX a XXXX now because of their errors. I have also opened a dispute with XXXX XXXX investigate XXXX help me resolve this matter. In conclusion, I never used their card for any procedure or any thing for that matter. I am extremely upset about my XXXX XXXX plummeting because of their negligence. Dates of Dispute : XX/XX/XXXX ( disputed the balance of $ XXXX refunded ) XX/XX/XXXX ( disputed the interest charges of {$350.00} ) XX/XX/XXXX ( currently disputing the charges of {$410.00} ). There is an active dispute regarding the grand total of {$410.00}. I did not use the card.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
" On XX/XX/XXXX, I identified unauthorized fraudulent activity on my account totaling {$3000.00}. I immediately initiated a dispute with Bank of America ( Claims # XXXX and # XXXX ). Despite clear evidence of fraud, the bank failed to conduct an adequate investigation. On XX/XX/XXXX, the bank unilaterally marked my original fraud claims as 'Completed ' without my authorization and without recovering the full loss. Instead of addressing the entire fraudulent amount, the bank incorrectly opened a separate, smaller claim that does not account for the total financial loss of {$3000.00}. This partial action fails to resolve the reported fraud and misrepresents the status of the case as 'Completed. ' I have formally contested this closure, as it leaves an outstanding balance of {$96000.00} related to the fraudulent activity. I am requesting that the bank : Immediately reopen the original fraud claims and correct the status from 'Completed ' to 'Active/In Progress '. Properly investigate the full scope of the fraud as r eported. Provide reimbursement for the remaining outstanding balance of {$96000.00} caused by this fraudulent activity.

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 — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union for a violation of the Electronic Fund Transfer Act ( EFTA ), Regulation E ( 12 CFR 1005.11 ), regarding an unauthorized debit card transaction of {$780.00} that occurred on XX/XX/XXXX, XXXX of Events : XX/XX/2026 : My purse and phone were briefly misplaced out of my sight at a restaurant before being recovered by staff. My card data or device security may have been compromised during this brief window.XXXXXXXX XXXX XXXX : An unauthorized transaction of {$780.00} hit my debit card ending in XXXX. I did not initiate, authorize, or participate in this charge, nor did I receive any goods or services from itXXXX XXXXXXXX XXXX : I immediately reported the fraud to Navy Federal Credit Union, opening a fraud claimXXXX XXXXXXXX XXXX : Navy Federal issued a boilerplate denial stating " no error occurred '' without providing any evidence, justification, or data to back up their XXXX XXXX XXXX : I submitted a comprehensive, legally compliant request for a Second Review directly addressing their compliance questions. In that request, I explicitly invoked my rights under 12 CFR 1005.11 ( d ) ( 2 ) to demand copies of all documents, electronic logs, and audit trails relied upon for their denial.Nature of Violation : Under Regulation E, the burden of proof rests entirely on the financial institution to prove a transaction was authorizednot on the consumer to prove a negative. Navy Federal failed to conduct a reasonable or thorough investigation before issuing an immediate denial, and they have withheld the investigative documentation I am legally entitled to under federal law.Desired Resolution : I demand that Navy Federal Credit Union immediately reverse their decision, issue a full permanent credit of {$780.00} to my account, and provide the complete audit trail, IP logs, and electronic tracking data associated with this unauthorized transaction as required by 12 CFR 1005.11 ( d ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have used my XXXX card for XXXX years as my business card. I get reimbursed by my company and pay the balance in full. Citi acquired the XXXX card and during the XXXX billing cycle that is when my issues began. They started changing my Pay In Full ( PIF ) selection to pay minimum balance. I called them the first weekend I noticed it but their systems were down due to the conversion ( weekend of XX/XX/XXXX ). I continued to call the following week and spoke to a woman and told them I wanted to close the account and also not pay the annual fee that billed that same statement. After much discussion, she agreed to close the account and request a refund of the annual fee, but couldn't commit to it. I did receive the credit for the annual fee. I changed to XXXX again and waited for the funds to be applied and payoff this card. Again the statement billed and only took out the minimum pmt. I again went online and changed back to XXXX. Again ( today, XX/XX/XXXX ) I pulled it up fully expecting the balance to be paid off since it just billed yesterday ( XX/XX/XXXX ) but it again only took a minimum pmt. I immediately made a PIF to be done with this card. I haven't seen it being taken out of my checking account yet but hope it is done. In the meantime, I called Citi again and spoke to XXXX and then his supervisor XXXX. I explained they owe me the interest back for the XXXX months this has been happening which totals {$700.00} ( $ XXXX $ XXXX ). XXXX said he spoke with his XXXX and they would credit me {$160.00}. I told him that doesn't tie to any of the month 's interest amounts and asked him where he got that. He said that is all they can credit. He put XXXX on the phone who I explained the entire situation to all over again and after I just explained to her that I was selecting PIF and her system was changing to minimum pmt when pulling the funds she just said that the account has minimum pmt selected. I explained again that I was selecting PIF and her system was changing it before pulling funds and I wanted the {$700.00} refunded and the contact info of where to file a complaint. She said she would look for that contact info. While waiting I found it my self online and told her. I advised I would be filing a complaint since they are not willing to acknowledge the problem and reimburse my money.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, my business checking account was subjected to five unauthorized charges from a company called XXXX, all associated with an individual named XXXX XXXX. The charges were : {$1000.00} and {$1000.00} on XX/XX/year> ; {$380.00} on XX/XX/year> ; {$2700.00} on XX/XX/year> ; and {$890.00} on XX/XX/year>. I disputed these charges as they appeared by calling Wells Fargo 's dispute center, responding to Wells Fargo 's fraud text alerts, and coordinating with my business partner to track and report each transaction. Three of the five charges were successfully reversed. The XX/XX/XXXX charge of {$890.00} was credited back as recently as XX/XX/year>, confirming the dispute process was still active months after the fraud occurred. Wells Fargo denied my claim for the remaining two charges totaling {$3100.00}, citing the time elapsed before a formal claim was opened. Because I had responded to fraud text alerts and was engaged in an active dispute process, I believed those charges were flagged and in the process of being reversed along with the others. The text alert system implies that a customer response initiates protective action ; Wells Fargo 's denial letter acknowledged I declined the transactions via text but clarified for the first time that a text response does not stop a pending charge and that a separate claim must be opened immediately. That distinction was not communicated to me at the time. Wells Fargo has closed Case No. XXXX and stated the denial is final. I am requesting that the CFPB require Wells Fargo to review this matter and reverse the denial for the two unresolved charges totaling {$3100.00}.

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