vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am submitting this complaint regarding the unjust repossession of my vehicle by American Honda Finance ( XXXX ). I am XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. My contact is XXXX, phone number XXXX, and the complaint is submitted on XX/XX/year>. Despite having invested over {$20000.00} into my vehicle, I was shocked when AHFC repossessed it for an outstanding balance of only {$5600.00}. Moreover, I am currently in a bankruptcy proceeding, and I am unsure if I reaffirmed the loan, but I consistently made payments and never missed a beat. AHFC did not give me an opportunity to cure the default before taking this drastic action. After all these payments, it is unacceptable that they seized the car for a balance far higher than what I actually owedmy true balance was just {$1300.00}. I tried contacting AHFC 4 to 5 times to escalate this issue and speak with a supervisor, but I was never given that opportunity. I was never offered a chance to pay the past due amount, and this premature repossession is unfair and predatory. I request a full investigation into my account, a detailed breakdown of all payments and balances, and a reversal of the repossession if the process was unjust. Please respond within 15 days, as I am also prepared to escalate this to my states consumer protection agency if necessary. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against Bank of America regarding a XXXX transaction where I was the victim of a scam, and the bank has failed to provide adequate protection or resolution. I sent money through XXXX to an individual who presented himself as a mechanic and agreed to repair my vehicle. Based on his representations, I paid him for labor and was instructed to purchase specific parts for my car. After receiving payment, he did not properly complete the agreed-upon work. The issues with my vehicle remained unresolved, including the check engine light continuing to come on immediately after he returned the car. Since then, the individual has stopped responding to my calls and messages, effectively disappearing after taking my money. This has caused me financial loss, stress, and ongoing vehicle issues that I am now forced to address on my own. I contacted Bank of America to report the fraudulent transaction and dispute the payment made through XXXX. However, I have not received adequate assistance or a satisfactory resolution. I feel that my claim has not been properly investigated, and I have not been provided with clear guidance or support despite being a victim of fraud. XXXX is marketed as a secure and convenient way to send money, yet there appear to be insufficient protections in place when consumers are misled or scammed. As a customer, I relied on my bank to help safeguard my funds and assist in resolving fraudulent activity, but that has not been my experience. I am requesting that Bank of America conduct a thorough investigation into this transaction and reconsider my dispute. I am seeking reimbursement for the funds lost due to this scam and accountability for the lack of protection provided in this situation. This experience has caused significant financial hardship and stress, and I believe stronger consumer protections and support are necessary in cases like mine.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by a furnisher ( Capital One ) on my credit report. I submitted a direct dispute to Capital One under FCRA 623 ( a ) ( 8 ), disputing the accuracy and validity of specific accounts that I do not recognize and did not authorize. In my dispute, I requested that the company conduct a reasonable investigation and provide documentation supporting their claim that the accounts belong to me. Despite this request, Capital One has continued to report these accounts without providing any documentation showing that I am responsible for the debt. I have not been provided with a signed contract, application, or any evidence demonstrating that I authorized these accounts or benefited from them. Additionally, this matter involves identity theft, and the continued reporting of these accounts without proper investigation is inaccurate and damaging to my credit. The company has failed to meet its obligations under FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation and correct or delete inaccurate information. The information being reported is not verified with documentation, and the continued reporting of these accounts is causing harm to my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding monthly service fees charged to my Wells Fargo Everyday Checking account following a change in minimum balance requirements. The bank states that notice of this change was provided through internal messaging within the online banking app/website. However, I did not receive any direct or visible notification such as email, phone call, or push alert. After reviewing my account and message history in the Wells Fargo app, I found no record of any communication notifying me of this change. As a result, I was unaware of the new requirements and was charged multiple months of service fees without any opportunity to take corrective action. Fees charged : XX/XX/XXXX : {$10.00} charged XX/XX/XXXX : {$15.00} charged XX/XX/XXXX : {$15.00} charged XX/XX/XXXX : {$15.00} charged This situation is particularly concerning because the fees continued over multiple months and could have continued indefinitely had I not identified the issue. In effect, the account could have been depleted over time due to recurring fees triggered by an undisclosed change. I contacted the bank and escalated the issue. While they refunded {$25.00}, they refused to refund the remaining fees ( approximately {$30.00} ), citing an internal policy limiting refunds to one per twelve-month period. XX/XX/XXXX : {$15.00} and {$10.00} fee reversal. This response does not address the core issue : the lack of effective notification of a material change that directly resulted in recurring fees. I am requesting : 1. A full refund of all service fees charged as a result of this change 2. Documentation showing when and how notification of this change was delivered to me 3. Confirmation of what constitutes notification for account changes that may result in recurring fees I believe this situation reflects inadequate notification practices and unfair fee assessment.

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 2026-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: MN

Complaint narrative:
XX/XX/year> from XXXX to XXXX, I spoke with a XXXX to get a payoff amount and make the final payment on a HELOC loan. He told me he would request a payoff amount and it would be mailed to me in 7 to 10 business days. This is an interest only loan and I asked to get the payoff and make the payment today so as not to incur more interest as I lost my job and took the money out of my IRA already to reduce my monthly expenses. It took an extremely long time to get a hold of someone live as it always does. This company bought my loan from XXXX who bought the loan from XXXX. XXXX was much worse than Selene as they continually posted my payments incorrectly and were impossible to work with but Selene obviously just collects money as they have no customer service at all! I should not have to pay any interest after this date. I paid what was posted on the website which is not the payoff amount. Payoff amounts are not available on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/XXXX - Fraudulent charges made to checking account. PNC called my phone 6 times in total from two different phone numbers- XXXX AND XXXX I messaged with customer service and they told me I would have to wait for the charges to be posted. XX/XX/XXXX - Charges were posted and dispute was made by me. Provisional reimbursement by PNC was given. XX/XX/XXXX - Received via mail PNCs resolution claim that the charges were in fact mine and not fraudulent. PNC provided no documentation to back up their reasoning. XX/XX/XXXX - PNC withdrew the money from the account. I redisputed the claims after talking again with customer service and being told I would have to use PNCs call line to even begin to request getting proof of documentation they used to determine the claim was non-fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Law office send notice of debt. I sent validation request and was suited 3 days later after letter sent. Law office refused to produce all information from validation, discovery, good faith limited discovery and identity attribution. Only responses resived was refusal to produce. Also citing adjournment at the same time of refusing to procced citing discovery. I have trail packet prepared upon further request. Also attached a snapshot for your records and information needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Validation of Debt Request - CONSUMER ADJUSTMENT CO - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I went in and the teller asked me, How can she help me? I asked her if she could cash a check. It was a Bank of America check and she said yes can I see the check and I gave her the check and she looked at the check and she said that the check could not be cashed because it was over the amount that would allow her to cash the check. The check was XXXX. I was today XX/XX/year> and around XXXXXXXX XXXX It was a female teller with dark hair.When I went in she had just finished up helping a older couple in front of 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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to file a formal complaint against Synchrony Bank regarding a predatory practice commonly known as " credit limit chasing '' that has caused significant harm to my credit profile. On or around XX/XX/2026, Synchrony Bank reduced the credit limit on my account ending in XXXX from {$1000.00} to {$400.00}. At the time of this reduction, I had an outstanding balance of approximately {$400.00} on the account. This action immediately and artificially drove my credit utilization on this account to 100 %, despite no change in my spending behavior and no missed payments on this account. This practice reducing a credit limit to match or approach a consumer 's current balance is a well-documented predatory tactic that harms creditworthy consumers by artificially inflating their utilization ratio, which is a significant factor in credit scoring models. The timing and amount of the reduction makes clear that this was a limit-chasing action, not a routine credit review. Since discovering this action, I have paid my balance in full, bringing it to zero as of XX/XX/2026. However, the damage to my credit profile caused by the artificial utilization spike remains. I am requesting the following remedies : 1. Immediate reinstatement of my credit limit to {$1000.00}. 2. A goodwill adjustment and removal of any negative credit reporting associated with the elevated utilization caused by Synchrony Bank 's limit reduction, not by my spending. 3. Written confirmation of both actions. I attempted to resolve this matter directly with Synchrony Bank by phone prior to filing this complaint. I am filing with the CFPB because the issue directly impacts my ability to access fair credit, and I believe the practice warrants regulatory attention. I am prepared to provide account statements and credit reports to document the utilization impact, if needed.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Got a car 7 years ago from a local dealer and they used Credit Acceptance as the lender. They never served me papers and garnishing my check of between {$400.00} to {$600.00} a paycheck. I lost my house, car and now living in a run down house just so I can survive. The car was owed at {$8700.00} and they are garnishing me for {$16000.00}.

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
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I obtained a home improvement loan through Mosaic, which later entered bankruptcy and is now being serviced by Solar Servicing LLC. After the servicing transfer, I was not provided with clear documentation regarding the ownership of the loan or the servicing authority. I had an automatic payment ( ACH ) arrangement in place, which qualified for a lower interest rate and had been used consistently. Solar Servicing LLC unilaterally canceled this arrangement without my authorization. Shortly after, my access to the online account and payment portal was restricted. This restriction was confirmed by a company representative, effectively preventing me from making any payments. Despite this, the company is now demanding that I make payments by check or reauthorize automatic payments under new terms that include a higher interest rate. No clear or consistent payment instructions have been providedonly billing statements and a new autopay authorization form. Despite being unable to make payments due to these restrictions, the account has been treated as delinquent and referred to a third-party debt collector, XXXX XXXX XXXX XXXX I have made multiple requests for documentation, including proof of ownership, servicing authority, payment history, and account balance details. The documents provided consist of partial and outdated excerpts of the original agreement with Mosaic, which do not reflect the current servicing arrangement or validate the debt under the present conditions. Additionally, I have received conflicting payment instructions, including multiple P.O. Box addresses associated with both the servicer and the debt collector, creating uncertainty about where payments should be sent. I was also informed that my account was under a dispute, yet I was not provided with any written explanation of what that dispute entails, what process is being followed, or how it affects my account. There has been no clarity on whether interest continues to accrue during this period, and my balance appears to have increased. This is the third time I have submitted a complaint regarding this matter. The responses provided by the company have been repetitive and unresponsive, consisting of the same incomplete documentation rather than addressing the substance of my requests. This situation has caused financial harm, stress, and disruption, affecting my ability to manage my financial obligations effectively, as I have been prevented from accessing my account information and making payments while the account is being treated as delinquent, without transparency or proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I deposited a XXXX dollar check into my savings account. The funds were marked as unavailable. I went into the Branch location on the east side of XXXX Wisconsin and spoke with a banker, who was unable to provide any information about the date the funds would be available. Furthermore, I was told I could not have my check back. As a result, I am missing important bills that are due.

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 2026-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested a balance transfer Discover Card. I received a letter turning me down. I did not give it any more thought. A few months later I get a letter saying I owe {$14000.00} in credit. The purchases were made in XXXX Florida. I live in XXXX, NY. I havent been in Florida in 45 years. I was told to submit a police report, which I did. I also submitted my part time job attendance report proving I worked without missing a day during this period. Discover wrote me back denying my claim of fraud. I am 74 years of age with good credit until now. I have never defaulted on card or loan.

Company response to consumer: Closed with non-monetary relief