vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I woke up to a nightmare on XX/XX/XXXX. My Bank account with Wells Fargo Bank has been hacked. They were XXXX transactions which amount to a total of {$7900.00}. I immediately called my bank. I have an App XXXX XXXX that I you to transfer money to XXXX. Someone have made this transactions through this but not through my account. When a transaction is made a receipt will be generated and will sent to your email address. I never received even XXXX email out the XXXX transactions. Wells Fargo Bank refunded the money and told me they lunch an investigation which they did not do rather getting information from the merchant who embarked in lying to avoid blame. 
After XXXX month they reversed the refund accusing me of making the XXXX transactions so I decided to lunch my own investigations, I when to Police and they brought to my attention that the transactions were actually made on XXXX and XXXX of XXXX and were pending forXXXX and cleared on the XXXX and XXXX of XXXX. XXXX XXXX  doesnt have pending status their transactions are completed in seconds or it unsuccessful and you will do it all over again.I was in my Wellsfargo Bank on the XX/XX/XXXX for a Cashier Check and no one told me theres a pending amount on my account. On the XXXX I found out there were multiple accounts in my name in XXXX XXXX with XXXX address. I created an email address in XXXX and had no other email address even as I speak. It is prohibited to have more than XXXX account with XXXX XXXX, now it makes sense where all the XXXX receipts went.Still Wellsfargo Bank is still insisting I made the transactions because they dont want to pay. I have requesting XXXX  XXXX  to give the informations of other accounts and the XXXX address attached to them the refused. Wellsfargo Bank are the only one they can send those to but Wellsfargo Bank is not demanding them. The last transaction i made before this nightmare was on XX/XX/XXXX how I changed my email address on XXXX & XXXX. I also demanded all the receipts of the XXXX transactions from XXXX XXXX they refused to send to me.

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 2026-01-07 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I requested written confirmation of financial hardship review, clarification of available hardship or payment assistance options, and written confirmation that collection activity would be paused while the hardship request is under review. I also requested written communication only, as online messaging was unavailable and I declined phone communication. 

They did not provide a reasonable written method to submit or confirm a hardship request and continued collection efforts despite repeated attempts to communicate in writing.

I attempted to submit a hardship request via fax and online channels. I later discovered the fax may not have been successfully transmitted. Despite repeated attempts to communicate in writing, the company has continued collection calls, texts, and emails and has not provided a written method to submit or confirm hardship review.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am requesting written verification of the current balance on my Synchrony Bank credit card account. I am not disputing the debt and I am not requesting a settlement or paid-in-full letter at this time. 

Synchrony Bank has stated that they can only provide a balance verification letter by mail and that it will take XXXX business days. I requested reasonable alternatives such as a secure online message, fax, or expedited delivery due to a time-sensitive lender requirement, but those requests were denied. 

This delay is causing documented financial harm, as I require written confirmation of the current balance to satisfy a third-party lender deadline. I am only requesting a standard balance verification letter reflecting the current balance as of today. 

I am requesting that Synchrony Bank review this matter through its escalation or executive resolution process and provide written balance verification using any secure method available.

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 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: NJ

Complaint narrative:
Product : Payday loan / installment loan ( tribal lender ) Company : Uprova Credit , LLC Loan amount : {$2400.00} APR : 333.75 % ( Truth-in-Lending ) Loan date : XX/XX/year> State : XXXX XXXX ( I reside in XXXX  ) What happened ( summary ) : I took out a {$2400.00} installment loan from Uprova. The loan carries an extremely high APR ( 333.75 % ) and results in total scheduled payments of {$7100.00}. After I missed payments due to financial hardship, the lender applied my subsequent payments only to interest and not to principal. The loan agreement states that payments are applied to interest first ( including past-due interest ) and only amounts exceeding interest reduce principal. With the loans very high daily-accruing interest, the account has effectively become a debt trap where payments do not reduce principal after delinquency. 

Key facts/ terms from the contract : Truth-in-Lending disclosures show APR 333.75 %, Amount Financed {$2400.00}, Finance Charge {$4700.00}, Total of Payments {$7100.00}. 

The agreement says interest accrues daily at a very high rate and continues after default. 

The agreement says payments are applied to interest first ( including past-due interest ) and principal only after interest is satisfied. 

The agreement includes tribal-law / jurisdiction language and emphasizes that the loan is governed by tribal law rather than my states law, and includes mandatory arbitration and a class action waiver with a limited opt-out window. 

ACH authorization terms allow automated debits and a {$25.00} returned-payment fee. 

Why Im complaining / harms : Debt trap / inability to amortize : After missed payments, the lenders allocation of payments to past-due interest combined with the daily interest rate makes it nearly impossible for a consumer to reduce principal. I have made payments that do not meaningfully reduce the amount borrowed. 

Unfair servicing / lack of clear accounting : I want a clear, itemized accounting showing how each payment was applied ( principal vs interest vs fees ), but the information provided has not been transparent enough for me to verify whether the lenders application is accurate and fair. 

High-cost lending concerns : The cost of credit ( 333.75 % APR ) is extraordinarily high and, in my view, predatory for a consumer installment loan.

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account closed with XXXX $ in it XX/XX/year> I was told a check would be sent and I still have not received the 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 explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
According to A 15 U.S.C. 1681 it is illegal to report inaccurate information on my credit report without my permission. Im unaware of this debt and didnt get the chance to dispute this account. Please remove this account if you can not legally provide Certified mail with a receipt displaying my signature for account XXXX or this will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I initially requested cancellation of PMI payments on our residential mortgage XXXX XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX with " XXXX '' of Chase Mortgage ( XXXX ). Chase Mortgage had acquired this mortgage from the original lender XXXX years ago. XXXX stated that the PMI was schedule to be removed in the year XXXX. Following this interaction I received a generic " Broker Price Opinion '' ( BPO ) letter from Chase on XX/XX/XXXX that presented a series of conditions and methods for removal of PMI with strong recommendations to have the property in the mortgage assessed. There was no specific information regarding my loan other than the street address. Chases letter did not make sense as the Loan-To-Value ratio for PMI cancellation is calculated on the original purchase price - not the current market value of the property ( that would be ascertained through the BPO process ). The letter explicitly states " The BPO will help us determine if your loan-to-value ( LTV ) ratio meets the requirements to cancel PMI for your Investment Property XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I spoke to " XXXX '' at Chase Mortgage regarding the contents of this generic BPO letter and she said she would request a " XXXX review '' of my initial request to remove PMI payments. Case # XXXX. XXXX called me later ( XXXX ) to inform me the case was under review. 

On XX/XX/XXXX " XXXX '' of Chase mortgage located the ticket history for this topic and summarized that my intent is clear to remove the PMI payments and he also acknowledged a potential refund of erroneous PMI payments. In his words, the cases opened by the previous Chase attendants were for general reviews and were not a specific request to dispute ongoing PMI payments. XXXX initiated a new case where the original lender and or contract terms would be identified. He committed to providing a written response from Chase by XX/XX/XXXX. He also committed to providing copies of the original loan documents regarding PMI. Case # XXXX. 

The last PMI payment of {$38.00} was made on XX/XX/XXXX and the next payment is anticipated for XX/XX/XXXX. 

The sale price of the property was {$130000.00}. The principal balance on the mortgage was {$100000.00} in XX/XX/XXXX ( XXXX : XXXX ). In XX/XX/XXXX the principal balance was {$100000.00} ( XXXX : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX did a credit search on XXXX XXXX per Equfax. When I talked to XXXX XXXX they said they had no third of it. Equifax will not remove the inquiry without a statement from XXXX XXXX. It was fraud. I have never used XXXX XXXX and never applied for an account at XXXX XXXX. 
I each had inquiry removed from my credit report s.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems , LLC because I believe the account they are reporting is the result of fraud and has not been properly validated as required by law. 

Jefferson Capital Systems , LLC never sent me any initial notice or collection letters regarding this alleged debt. I did not receive a validation notice, notice of assignment, or any written communication prior to the debt appearing on my credit report. As a result, I was not given the legally required opportunity to review or dispute the debt within the initial notification period. 

Upon discovering the account on my credit report, I requested verification and validation of the debt. Jefferson Capital Systems , LLC failed to provide proper verification. They did not supply documentation demonstrating that the debt is mine, such as a signed agreement, original creditor records, account statements, or proof of lawful assignment. To date, no sufficient validation has been provided. 

Because no verification has been produced and no prior notice was ever sent, I believe this account is the result of fraudulent activity or identity theft. Jefferson Capital Systems , LLC is continuing to report unverified information despite my dispute, which is inaccurate and misleading. 

I am requesting that Jefferson Capital Systems , LLC be required to either provide full and proper validation of this debt or remove the account entirely from my credit reports. Additionally, I request that the CFPB review their failure to comply with federal debt collection and credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a U.S. Bank XXXX XXXX card that was advertised as offering 0 % XXXX for XXXX billing cycles on balance transfers. I completed the balance transfer within the required XXXX promotional window. However, the promotional XXXX was never applied, and I have been charged high interest for nearly a year. 

U.S. Bank has refused to correct the issue when asked. I am requesting that the bank retroactively apply the promotional XXXX  and refund all interest charged during the promotional period.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
i spoke to someone at the company and explained that the debt does NOT belong to me. 
I also spoke with the manger name XXXX XXXX i asked him to stop texting me and to remove the felonious report from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Braviant Holdings, LLC
State: IN

Complaint narrative:
Indiana caps consumer loan APRs at 36 %. Lender charged 223.99 % APR, auto-debited my bank account, and is not licensed in Indiana. I am disputing illegal interest and requesting principal-only repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
" The Department of Education and its servicers are failing to process a PSLF Buyback application submitted in XX/XX/year>. I have met all 120 months of service. This delay is an unlawful barrier to the forgiveness I have earned under the Higher Education Act. '' Feedback Case # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Failure to Validate and Reasonably Investigate This account must be deleted because, after being disputed, the furnisher failed to conduct a reasonable investigation and provide proper verification. Federal law requires disputed information to be investigated and corrected or deleted if it can not be verified. Since the accuracy and validity of this account were not proven, continued reporting is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
To : Absolute Resolutions Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : ___________ This letter is a formal request for validation of alleged debt ( Account # XXXX ) pursuant to FDCPA 15 USC 1692g.

Please provide : Original signed contract with my signature, Complete accounting from XXXX XXXX XXXX XXXX, Proof you legally own or were assigned this debt, Copy of judgment if any exists. 

Until complete validation is received, this debt must be marked as " Disputed '' and collection efforts paused. 

If you can not validate, I request you cease reporting to Experian and delete the tradeline. 

Sincerely, ____________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: FL

Complaint narrative:
On XX/XX/year> around noon, I attempted to deposit {$2000.00} cash ( 20- {$100.00} bills ) into my checking account at the Wells Fargo ATM XXXX Terminal ID XXXX ) located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
I inserted my card and entered pin. Then selected deposit and entered the cash. The machine stopped counting at {$900.00} and around 1 minute later returned only {$600.00} Afterwards, the screen display a message that said " not accepting deposits at this time '' and did not issue a receipt. The ATM took {$1400.00} and failed to register that amount on my account. I had a witness next to me that can provide a statement that saw what happened. 

I went inside to tell the teller what happened and she told me to reach out to customer service number which I immediately did. I spoke to a representative on XX/XX/year> XXXX and open a claim reference # XXXX. 

After 10 days I received a letter that they denied my claim because there was no Jam, overage, malfunction or cash reported lost, which is incorrect because I was there not only I deposit outside from the ATM, but went also inside to make another transaction that same date and around that time which I have a receipt that proof that I was at branch that day. 

In addition, I escalated the claim to the XXXX XXXX XXXX XXXX and they claimed that they agreed with the claim department and that the investigation was closed. However ; they also stated that their resolution was only based within their resources that the don't hold no liability since they are restricted from federal regulations, third party agreements, and legal or regulatory implication.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have already filed a complaint with the Consumer Financial Protection Bureau regarding this matter, but I wanted to add some additional information to the complaint. I did hear back from XXXX XXXX at PNC Bank and she told me that the late fee will not be removed from my credit card because the overseas agent who could not speak XXXX very well and was extremely difficult to understand said that I was told about having to update autopay when I ordered my new card. 

I don't know what she said because I could not understand her because she could not speak XXXX very well and was extremely difficult to understand. So XXXX said that the late fee will stand. PNC said that they only allow one waiver of a late fee per year, can credit card companies get away with that and since I was dealing with an overseas agent who could not speak XXXX and was extremely difficult to understand PNC still refuses to remove the late fee. I can't cancel the PNC Credit Card because when you cancel a credit card it effects your credit score, so what I will have to do is pay the late fee and just put the card away somewhere and never use it anymore. I HAVE A GOOD CREDIT RATING AND I ALWAYS PAY MY BILLS IN FULL AND ONTIME.

Company response to consumer: Closed with explanation