vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
On XX/XX/year>, I obtained an installment loan from Deer Creek Lending in the amount of {$1500.00} while facing financial pressure related to a major life event and wedding expenses. I believed I was obtaining short-term financial assistance to help manage temporary financial needs. However, after reviewing the agreement and repayment terms, I believe the loan is predatory, unfair, and financially abusive. According to the loan agreement, Deer Creek Lending charged an Annual Percentage Rate ( XXXX ) of XXXX XXXX. The agreement states that a {$1500.00} loan would result in finance charges of {$9200.00} and a total repayment amount of {$10000.00}. The payment schedule required XXXX payments of approximately {$330.00} every XXXX weeks, which is financially unrealistic and unsustainable for the amount borrowed. I do not believe the lender reasonably evaluated my ability to repay this loan without severe financial hardship. The company also included provisions claiming tribal sovereign immunity and requiring mandatory arbitration, which appear designed to limit consumers legal rights and ability to challenge the loan terms in court. In addition, the loan agreement authorized Deer Creek Lending to repeatedly debit my bank account electronically and attempt additional withdrawals if payments were dishonored. I am concerned about aggressive collection practices and unauthorized or repeated ACH withdrawal attempts. Since taking the loan, I have experienced significant financial hardship and can not afford the inflated balance the company is now demanding. Their current communications claim I owe over {$2600.00} despite the original loan being only {$1500.00}, and their so-called settlement offer provides no actual reduction or savings. I believe this loan was structured in a way that traps borrowers in cycles of debt through excessive interest rates, large finance charges, and unaffordable repayment terms. I am requesting that the CFPB investigate Deer Creek Lendings lending and collection practices, including the extremely high APR, disclosures, ACH authorization practices, and compliance with applicable consumer protection laws. I am also requesting assistance in obtaining a fair and reasonable resolution based on the original principal amount borrowed and any payments already made, rather than the excessive interest and finance charges being demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The companies say that if you pay this it will help increase your credit score and for the most part I dont see much changes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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 have XXXX transactions with a merchant I bank with chime. I contacted chime about the unauthorized charges. The second time this happened chime told me they blocked them from taken anymore money out of my I was charged again. The dispute was denied. I reopen the dispute and it was denied again. The first XXXX disputes was approved. I want my money back from chime XXXX. Transaction XXXX approved dispute XXXX. Transaction XXXX dispute approved. Was supposed to be blocked then XXXX transactions XXXX XXXX and XXXX. Chime declined the transaction first and then the merchant tried again and chime released the funds to them I disputed this claim 2 times and chime denied it both times I investigated this company ( DB Vertrieb Gmb ) and they are out of XXXX and many people has had the same issue I am having with them Chime also informed me that the reason they kept getting money out was because chime had something called a visa update thing I needed to opt out of so it would not update my card information each time I filed a dispute and they required I change my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am submitting this follow-up complaint regarding Citizens Bank related to my prior CFPB complaint, XXXX XXXX. XXXX. This is not about XXXX overdraft. The same ridiculous overdraft fees that I originally complained about never stopped. * * An {$8.00} charge resulted in a {$35.00} overdraft fee. * * * * A {$2.00} charge resulted in a {$35.00} overdraft fee. * * After reviewing my records from XX/XX/XXXX through XX/XX/XXXX, Citizens assessed approximately {$2900.00} in overdraft fees on my account. Although Citizens later reversed some individual fees and issued a {$630.00} rebate after my prior CFPB complaint, the same overdraft-fee problems continued and still resulted in approximately {$1900.00} in net overdraft-related fees during this period. There were multiple days where Citizens charged {$70.00}, {$100.00}, and even {$170.00} in overdraft fees in a single day, including while the account was already negative. The account repeatedly received payroll deposits, but the balance quickly became unstable again because of additional overdraft fees and charges. My wife and I repeatedly tried to work with the bank and monitor the account, but the same problems continued month after month. Although Citizens reversed some fees, those reversals only happened after repeated calls, long wait times, escalations, disconnections, manager callbacks, and CFPB complaint activity. We spent many hours trying to resolve these issues and often had to explain the same situation repeatedly just to receive temporary corrections. In my view as a Massachusetts consumer, charging thousands of dollars in repeated overdraft fees, including fees triggered by very small transactions, appears inconsistent with the purpose of Massachusetts consumer protection laws. Citizens alerts and online tools also did not make it easy to clearly identify urgent overdraft-risk situations or fully audit the account history. Even when exporting transactions for specific date ranges, the records did not always appear complete. I am requesting : * full reimbursement of all remaining overdraft-related fees exceeding {$2000.00}, * correction of any remaining negative balance caused primarily by overdraft fees, * assurance that no negative reporting or collection activity will result from disputed fee-generated balances, * and additional goodwill compensation for the significant time, stress, and financial instability caused to my family as a XXXX year Citizens customer. If these overdraft-related fees are not fully reimbursed by Friday, XX/XX/XXXX, I intend to pursue all available remedies and consumer protections available to me under Massachusetts and federal law. XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The mortgage started XXXX. Immediately the required repayment amount was increased to include additional principal amounts ( {$24.00} extra per month ). The additional amounts remained unapplied until XXXX. In XXXX I increased the repayment amount to include a higher amount to be paid to principal ( Increased extra principal payments from {$24.00} to {$320.00} ). The amount of {$320.00} which should have been applied to principal in XXXX has remained unapplied all year and continues to be unapplied. Going forward, all further amounts were applied correctly. I requested this amount from XXXX to be moved to principal and out of unapplied cash, as it has a small effect on interest calculations. I called regularly in XXXX, XXXX, XXXX and weekly from XXXX but nothing had been done. SPS claimed to be escalating the problem on each call and state that their allocation department is working on it. I noticed on my XXXX stataement that all payments had been unallocated and my account was showing as delinquent. I called immediately and it was confirmed that all payments from the commencement of the mortgage date were unallocated completely on my account, This includes the removal of interest payments, principal and unallocated cash which should have gone to principal. They swiftly reapplied the cash towards principal and interest, but all the extra payments that had been made towards principal was a carried forward amount and SPS responeded that I didn't need to make another payment until XXXX. I explained that this was extra money towards principal, which with the exception of the {$320.00} from XXXX, had been applied correctly. They have not reapplied this cash. I talked to the Ombudsman and was promised a call on XX/XX/year>, but no call came. On XX/XX/year> I phoned SPS and nothing had been done to correctly allocate the payments made on my account. I have expressed my concern that the account looks like I haven't made a payment at all. I am concerned that the interest is being incorrectly calculated. I'm concerned about the effect on my currently excellent credit rating as my mortgage balance is infact lower than is shown on SPS 's system due to the unapplied extra principal amounts. I am worried that because of the now unapplied cash, I will experience late fees, higher interest calculations and further unfair retribution on my account. I have intentionally paid extra to principal the entire length of the mortgage to reduce the term and interest due, but SPS had deliberately ignored this request on multiple of occasions. I do not believe SPS is capable or have any intention of fixing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to file a fraud dispute for the past two months but every time I call i received an excuse. Last thing they said they don't know my identity or a dispute is already filed but it isn't now they want to close my account after years of me being a good question. My dispute is with reatility apps.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a credit balance refund owed to me by Wells Fargo on a closed credit card account ending in XXXX. My account statement shows a credit balance of {$4200.00} owed to me. I contacted Wells Fargo customer service on XX/XX/year>, XX/XX/year>, and XX/XX/year> requesting issuance of a refund check. During prior calls, I was repeatedly told there was no record of my earlier contacts. On XX/XX/year>, I spoke with XXXX, who provided case number XXXX and stated that a refund check would be issued. However, due to the repeated delays, lack of documentation of prior calls, and failure to issue the refund after multiple requests, I do not have confidence that this matter is being properly handled and am requesting CFPB assistance.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just Recibe this email ; Your existing account ( s ) is now closed Hi, XXXX. Your account listed above is closed as of XX/XX/2026. You can no longer make transactions on this account. Key details related to your account ( s ) closure : Please destroy all cards associated with this account If your account has an outstanding balance, you'll continue to receive your monthly statements and are responsible for the required payments until the balance is paid in full Don't forget to update your automatic billing information with any existing merchants using your account ( s ) You may request a statement of the specific reason ( s ) we took this action on your account ( s ) by writing to us before XX/XX/2026 Cards Services Support Unit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, you may fax your request to XXXX or email your request to XXXX by XX/XX/2026. When requesting by email, please provide your name and no more than the last 4 digits of your account number to protect your personal information. We'll provide the requested information in writing within 30 days of your request please note that no information will be disclosed over the phone. If you have any other questions, call us at XXXX. For TTY : We accept XXXX or other Relay Service. Monday - Friday, XXXXXXXX XXXX - XXXXXXXX XXXX ET.

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 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Klarna AB
State: CA

Complaint narrative:
I told them i did not make this purchase and the don't care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding the extremely poor customer service and misleading information I received concerning my XXXX XXXX credit card account. I was charged a late fee and contacted customer service after being assured that the fee would be reversed. Despite this promise, the fee was never removed. I had to call approximately XXXX times to try to resolve this issue. During many of these calls, I was ignored, transferred repeatedly, or disconnected without resolution. The treatment I received from representatives and supervisors was completely unacceptable. One supervisor informed me that a previous supervisor stated the late fee would only be reversed if I agreed to keep my account open. This condition was never explained to me beforehand and feels dishonest and misleading. Due to the constant misinformation, rude behavior, and lack of accountability, I decided to close my account. Even during the cancellation process, the representatives were extremely rude and unprofessional. This experience has been frustrating, stressful, and unfair. Customers should not have to repeatedly call, be misled, or be treated disrespectfully just to resolve a simple issue. I believe this companys customer service practices are unacceptable and something needs to be done to prevent other customers from experiencing the same treatment. I am requesting a full review of my account history, removal of any unfair fees, and appropriate action regarding the handling of my account and customer service interactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: WI

Complaint narrative:
On XX/XX/2026, an unauthorized deposit of {$550.00} from Net Pay Advance appeared as a pending transaction in my checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; my credit files have been strictly frozen for years at the major bureaus, but this lender bypassed them using subprime databases. I have never applied for, authorized, or agreed to a loan with Net Pay Advance. I attempted to call the company 's customer service number ( XXXX ) XXXX separate times today to report this fraud. Each time, front-line representatives claimed they were transferring me to the fraud department, where I was left on an indefinite hold loop for over an hour while an automated message claimed I was the " first caller in line. '' Because the company is completely unreachable by phone and actively preventing me from reporting fraud, I have sent a formal written dispute to their customer service email and filed a report with my bank and identity theft protection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to Revco Solutions via certified mail regarding an alleged debt of {$310.00} originally owed to XXXX XXXX. The letter was delivered on XX/XX/year>, as confirmed by my mailing service delivery documentation. As of today, XX/XX/year>, more than XXXX days after delivery, Revco Solutions has not responded to my validation request with any verification of the debt. Despite failing to validate this debt, Revco Solutions continues to report this account on my XXXX and XXXX credit reports, which constitutes continued collection activity on an unvalidated debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB require Revco Solutions to immediately cease all collection activity and submit deletion requests to all three major credit bureaus ( XXXX, XXXX, and XXXX ) for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
In XXXX there was a structured settlement transfer order from me to jg wentworth the first court date was in XXXX in XXXX XXXX court house it got denied because of paperwork improperly done. judge moved it to last Friday XXXX the XXXX. XXXX approved under case number XXXX in the XXXX XXXX XXXX room. XXXX for XXXX to be disbursed. Now XXXX went worth is stating they have to run a credit check before releasing my funds. Which is a breach of the contract and withholding. They are making this a big legal dispute. they have already been sued in the past for selling individuals information to third parties as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have paid the debt in full as of XX/XX/year> I have been requesting a paid in full and settlement agreement since, they will not provide. I have called at least 3 times and each time I am told XXXX days. They still have not sent anything as of today XXXX have requested us mail and email. Portfolio Recovery XXXX has a XXXX party XXXX and XXXX handling it so they say I have to speak to them. XXXX and XXXX will not provide any verification. They keep saying it is coming and they can not do anything. They also refuse to communicate that it has been paid in full with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
A fraudulent Booking.com hotel reservation in the amount of {$530.00} was placed on my Barclays account for a stay at the XXXX XXXX XXXX XXXX XXXX XXXX in Virginia on XX/XX/year>. This transaction was part of a broader identity theft incident involving attempted fraudulent account openings and misuse of my personal information, including my email address. During the same timeframe, I was receiving numerous fraudulent account-creation texts and identity-theft related activity involving my personal information. I reported this transaction to Barclays immediately while the fraudulent activity was actively occurring. Because the fraudster had access to my email account information, I received XXXX reservation emails despite never authorizing the transaction. Importantly, subsequent communications related to the reservation were addressed not to me, but to an individual identified as XXXX XXXX, which is not my name and is further evidence that the reservation was created and used by a third party during the broader identity theft incident. I have never stayed at this hotel, had no reason to be in XXXX, Virginia, and was not physically present there on the date of the alleged stay. I did not authorize, participate in, or benefit from the transaction in any manner. Barclays initially issued a provisional credit but later reversed it after claiming the merchant provided documentation validating the charge. However, Barclays has not identified any competent evidence demonstrating that I personally authorized or used the reservation. To my knowledge, Barclays has not provided : any signed hotel registration card ; evidence of identification presented at check-in ; proof I occupied the room ; device/IP information tying me to the booking ; or any other meaningful evidence establishing authorization. The mere existence of a reservation confirmation email does not establish authorization, especially where the fraudster had access to my email address as part of the broader identity theft event. Additionally, any merchant records reflecting use by XXXX XXXX would further confirm that the transaction was not authorized by me. I am requesting that Barclays : Reopen and properly reinvestigate the dispute ; Provide all documentation relied upon in denying the claim ; Reverse the charge and restore the disputed credit. I believe Barclays failed to conduct a reasonable investigation into this unauthorized transaction.

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