vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: CO

Complaint narrative:
. Wells Fargo Bank is violating the Electronic Fund Transfer Act, 12 CFR 1005.11 ( c ) ( 2 ). XX/XX/year> : Reported {$27000.00} in unauthorized debit card transactions from checking account ending in... XXXX. Wells Fargo opened XXXXXXXX XXXX XXXX XXXXXXXX and denied claim without conducting a reasonable investigation. XX/XX/year> XXXX : Provided XXXXXXXX XXXX XXXXXXXX Report XXXX XXXXXXXX to Wells Fargo via fax with delivery confirmation. Under XXXX, when a police report is provided for unauthorized transactions, the bank must issue provisional credit within XXXX business day. Deadline : XX/XX/year> end of business day. XX/XX/year> XXXX : Sent Legal Demand Letter to XXXX and XXXX demanding provisional credit of {$27000.00} + {$1000.00} statutory damages + {$1300.00} per day for ongoing violation under 15 U.S.C. 1693m. Auto-reply confirming receipt received at XXXX. XX/XX/year> : Faxed Corrected Legal Demand to Wells Fargo Legal Department at XXXX. Transmission confirmed " OK '' with correct date XX/XX/year> and amount {$27000.00}. As of XX/XX/year>, Wells Fargo has not issued provisional credit. If credit is not posted by XX/XX/year> end of business day, damages of {$1300.00} per day will begin accruing under 15 U.S.C. 1693m. Wells Fargo has all evidence of fraud and is willfully violating EFTA and Regulation E.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have called Citibank numerous times to find out why I could not get into my account and why my debit card would not work, this started Friday XX/XX/year> after I deposited over {$40000.00} into my account, after I was told I had to wait 24-48 hours to speak with a specialist. So I wasn't able to access my funds from Friday XX/XX/XXXX until Monday XX/XX/XXXX and than today Monday XX/XX/XXXX I was told that my account was flagged for a check I deposited from A client of mine in the amount of {$1000.00} and they needed to verify the check. I gave the man the clients phone number to verify the check and he said he called her to verify and she did not answer. When I talked to the client ( issuer of the check ) she never received a phone call from the specialist at Citibank! Now I have over {$40000.00} in this checking account and I can't get into my mobile app to check my balance because I was told they were closing my account because of this check they never even verified! The specialist told me they would be mailing me a check in the amount of what was in my bank account but would not tell me what my balance was. I believe I have been a victim of a fraudulent act. I would please like someone to let me know how to get my money out of this account. I signed up online for this account and have had nothing but problems with it since. There are no citibanks near me and I don't know what to do! The specialist told me they would mail me a check but it might take 30-60 Days. I can't wait that long to access my own money! Please someone help me! XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I purchased multiple XXXX power drills through the buying agent XXXXXXXX XXXX XXXX XXXX XXXX. I never received any of the merchandise all items remain in their warehouse in XXXX. Their own warehouse videos clearly show dangerous counterfeits ( 200W instead of 400W, spray-painted bodies, no grounding wire risk of electrocution and death ). I requested full refunds multiple times, but they refused and only offered partial refunds. I have filed a police report ( Case # XXXX ) with the XXXX XXXX XXXX Sheriff Office and multiple chargebacks with Barclays. Barclays has closed many of my disputes without proper resolution. I request a full refund of all amounts paid, including foreign transaction fees, for every order.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: GA

Complaint narrative:
I rented a silver minivan from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX The vehicle was rented at XXXX miles and returned at XXXX miles with no known damage. Several weeks later, I received a letter claiming I owed {$1500.00} for vehicle damage. The letter appeared suspicious because the return XXXX XXXX did not match XXXX website and was associated with a used car dealership, the phone number was not listed on XXXX official website, and the payment website listed ( XXXX ) appeared flagged online as a scam. I also found nearly identical reports online involving similar-looking XXXX letters with the same formatting and payment structure. On XX/XX/year>, I contacted XXXX using the official number from their website and was told they had no record of a damage claim. I then called the number listed on the letter and noticed unusual similarities to the alleged XXXX scam reports, including identical hold music and recorded messages. I requested documentation and received a file containing my legitimate rental agreement, photos allegedly showing damage to the vehicle, and a repair invoice. The rental agreement information, VIN, and license plate were correct, but the photos appeared manipulated or AI-generated due to inconsistent reflections, distorted text, and changing parking lines between images. Believing this to be fraudulent, I ignored subsequent collection letters. However, in XX/XX/year> I received a collection notice from Viking Client Services XXXX, which appears to be a legitimate debt collection company. The new letter again contained suspicious inconsistencies, including a phone number not listed publicly. When I called both the number on the letter and the official Viking Client Services number, I was routed to the same hold music and recorded messaging previously associated with the questionable XXXX XXXX XXXX calls. The representative also appeared to be the same person I had previously spoken with. On XX/XX/year>, I again contacted XXXX through their official customer service line. This time, XXXX stated they now had a damage claim on file and said the documentation had been provided through Viking Client Services and/or the originating XXXX rental office in XXXX. I am concerned that either fraudulent or manipulated claims and documents may have been incorporated into legitimate collection processes. I am disputing the validity of this alleged debt and requesting investigation into the authenticity of the documentation, the collection practices involved, and how my rental information may have been obtained and used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Purchased car for around XXXX, borrowed {$17000.00} to purchase car. Lobel financial, they sold me car insurance as well. Lobel XXXX Car was totaled XXXX months later. It say in repair shop for XXXX months while they refused to pay to fix the car or total it. I quit making payments as they were not living up to their contract to insure car and I could not drive it cause of that. After XXXX months I. The body shop waiting for an approval for repairs they took it. All my personal belongings .. everything. Then charged me {$26000.00} to my credit report for a car they were responsible to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CO

Complaint narrative:
I had a Cash App account while I was living at an address, i then moved and then my card expired. I then created a new account and got a new card. They suspended my account because they couldnt figure out who I was after I had given them like 10 pictures of my new and accurate ID and my lease to my new address. They will not allow me to use Cash App and I need to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I deposited {$1000.00} cash at a XXXX terminal on XX/XX/year>. Chime only credited {$100.00}. I provided Chime with the official terminal receipt showing a full {$1000.00} load to card XXXX. A Chime customer service supervisor explicitly agreed that my receipt proves the {$1000.00} deposit, but the dispute department denied provisional credit anyway, withholding {$900.00} of my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX I had fraud on XXXX of my cards in my digital wallet- it's XXXX of XXXX tied to my PayPal. I tried to remove the card from PayPal and explain. In meantime they allowed me to send funds to my account to use on my digital Wallet. They then froze my account on XXXX after I had deposited {$190.00} to it. They never told me I couldn't send my funds to my bank Bz it was frozen. I provided proof of my card and screen shots of credit card statements and then they froze my account permanently but didn't let me take out my cash. They allowed me to deposit it without evert telling me they would block my account. I've tried since XXXX to transfer my funds to my bank. I am being told nothing o can do n wait for XXXX mo for a notice on if I can apply to get my money. This is unacceptable as they allow my deposits n didn't tell me until o tried to withdraw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I applied for a debt consolidation loan through SoFi. Everything was fine in the application process until they told me to add my husband to my application I decline to add my husband and told them to decision my loan based on 1. I have been in financial service was for 23 years with 20 years with the same company 2. My income and household income and 3. The fact I have no mortgage ( my home is paid for ), my car is paid for and I do not have any outstanding installment credit. They immediately decline my loan the minute I said I would not add my husband. I feel this is gender discrimination. They didnt ask me to add a qualified co-signer. Just my husband a man. I so tired of gender discrimination. I would love to discuss my net income and prove I am lending worthy without a man co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
In XX/XX/XXXX I attempted Four times to go in person. The first two times the staff informed me that I must wait for a manager or supervisor to be present in order to process a cancellation. The third time the manager was present and told me that he would " try '' to cancel my subscription / membership and that I should no longer be billed. The following month I was billed again at which point I went in person and the manager advised that I send a letter to their corporate offices and send an email ( I did both ). I never heard back and the payments stopped. A few months later I started being contacted by a collections agency who I also informed this information to. Now XXXX of XXXX I saw a derogatory mark on my credit report for a collections from XXXX for {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management Inc XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Account Number XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Request for Full Discharge of Student Loans Due to XXXX 'S Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by XXXX due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options while i was enrolled at the XXXX XXXX XXXXXXXX XXXX for XXXX XXXX through XXXX. XXXX misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX 'S conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX 'S advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Complaint : I am an active United States Army Reserve officer serving honorably as a Judge Advocate. I requested benefits and protections under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043, from Synchrony Bank in good faith and pursuant to my federally protected rights as a servicemember. Shortly after requesting SCRA protections , Synchrony Bank abruptly closed more than twenty-five ( 25 ) consumer credit accounts associated with my profile. Synchrony subsequently issued adverse action correspondence stating that the closures were based upon : Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. Importantly, Synchrony did not allege fraud, delinquency, bankruptcy, charge-offs, default, missed payments, or account-specific misconduct justifying the coordinated closure of more than twenty-five accounts. The timing and breadth of these adverse actions raise substantial concerns that Synchrony treated my lawful request for SCRA protections as a negative credit-risk event or otherwise penalized me for exercising federally protected servicemember rights. As a result of Synchronys actions, I suffered : Significant reduction in available credit ; Increased credit utilization ; Damage to my credit profile and creditworthiness ; Loss of longstanding account history ; Loss of rewards and account benefits ; Financial distress and inconvenience ; and Continuing reputational and economic harm. The Servicemembers Civil Relief Act expressly prohibits creditors from using a servicemembers exercise of SCRA rights as a basis for revocation of credit or adverse credit action. See 50 U.S.C. 3919. I respectfully request that the CFPB investigate Synchrony Banks conduct and require the bank to : Reopen and reinstate all improperly closed accounts where feasible ; Restore prior credit limits, account history, rewards, and account benefits ; Correct any adverse credit reporting associated with the closures ; Provide a detailed written explanation regarding the basis for the high risk of failure to pay determination ; Preserve all internal communications, underwriting records, risk determinations, and SCRA-related review materials related to my accounts ; and Ensure compliance with all federal servicemember protection laws and consumer financial protection obligations. Supporting documentation includes adverse action notices issued by Synchrony Bank following my SCRA request. Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am submitting this complaint regarding multiple accounts reporting on my credit file that I believe are fraudulent, unauthorized, identity theft related, or opened/used without my free and voluntary consent. I discovered several derogatory accounts, charge-offs, late payments, and collection accounts reporting across my credit reports. Fraud victim alerts were also placed on my credit reports warning creditors that fraudulent applications may have been submitted using my identity. The accounts reporting include Bank of America, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some accounts are reporting charge-offs, collections, or severe late payments that I dispute. I requested validation and supporting documentation from the companies including original applications, signatures, transaction records, IP addresses, account opening records, statements, and proof of authorization. The companies either failed to fully provide the requested information or continued reporting inaccurate information while the accounts were disputed. These accounts have negatively impacted my credit score, financial standing, and ability to obtain credit. I am requesting a full investigation into all disputed accounts and that any fraudulent, unauthorized, inaccurate, or identity theft related information be removed or corrected immediately under the Fair Credit Reporting Act. I am also requesting that the companies cease reporting inaccurate information while these disputes and identity theft claims are being investigated.

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