vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I had a checking out with them from around XX/XX/XXXX to around XX/XX/XXXX I went to check my balance at ATM and it showed I was overdrawn by close to XXXX dollars. I immediately went in and talked to them. They printed out my list of transactions for the past 30 days. I took it home and reviewed it. I found that an automatic deduction was taken out a day earlier then the date I specified. I woukd get my paycheck direct deposited then a deduction for child support was withdrawn the next day.It was like clock work for close to a year.This time when it came out on the wrong date it put me at negative. I didn't have overdraft protection so I was using my debit card like there was no problem it snowballed. I went back to the bank the next day and pointed the discrepancy on the list of transactions they gave me the day before ( which was the XXXX any other time an issue occurred with the account ) Not this time they told me there was nothing they could do.

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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
CFPB Complaint Against Wells Fargo I am filing this complaint regarding an unauthorized {$4800.00} charge posted to my Wells Fargo account on XX/XX/XXXX by a merchant listed as XXXX XXXX XXXX out of XXXX, XXXX Wells Fargo has denied my fraud claim twice and I am disputing that denial. I am a victim of an organized financial fraud scheme that began in late XXXX. I was targeted on XXXX XXXX XXXX XXXX ) by a scammer who built a false relationship over several months, claiming to help me build credit and increase account limits. He had full knowledge of my financial vulnerability I was unemployed, had approximately {$50.00} in my account, and was dealing with serious mental health challenges. He used this information to systematically manipulate me. Over the course of several months I was directed to send money to multiple third party accounts through XXXX at his instruction. I have documentation of these transactions. During this same period, on XX/XX/XXXX, a {$4800.00} charge was made to my Wells Fargo account by XXXX XXXX XXXXXXXX. A return of {$4800.00} was posted XX/XX/XXXX. Then on XX/XX/XXXX, {$4800.00} was debited again by XXXX XXXX XXXX a merchant I have absolutely no relationship with, never received goods or services from, and never authorized a transaction with. I am disputing XXXX XXXX denial for the following specific reasons : I have no knowledge of XXXX XXXX XXXX and never authorized any purchase from them. The XX/XX/XXXX transaction contains an invalid all-zero security identifier ( XXXX ) which is not consistent with any legitimate merchant transaction. The XX/XX/XXXX return and XX/XX/XXXX debit are not a matched pair they are two separate events and the second was unauthorized. Any apparent authorization occurred under false pretenses as part of an ongoing fraud scheme. I was simultaneously being directed to send money out through XXXX by the same scammer, meaning I was being exploited on multiple platforms at once. Wells Fargos denial treats the XX/XX/XXXX charge as a legitimate matched return but fails to account for the fraudulent nature of the merchant, the invalid security identifier, and the fact that I never had any relationship with XXXXXXXX XXXX XXXX I am requesting a full reversal of the XX/XX/XXXX {$4800.00} charge and a thorough re-investigation that accounts for the full scope of this fraud.

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: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
Honda Financial Services response is unacceptable and does not resolve my complaint. The company continues to avoid providing clear documentation or accountability regarding my {$1800.00} warranty cancellation refund, which was supposedly processed on XX/XX/year>2026. More than a month has passed, and I still have not received payment. Despite repeated attempts to obtain answers, Honda Financial Services has failed to provide : XX/XX/XXXX Proof that the check was actually mailed XX/XX/XXXX The exact issuance or mailing date XX/XX/XXXXVerification of the address used XX/XX/XXXX Tracking information or delivery confirmation XX/XX/XXXX Immediate reissuance of the missing payment Consumers should not be forced into endless phone calls and vague responses simply to recover money that is already owed to them. At this point, Honda Financial Services handling of this matter demonstrates a serious lack of transparency and failure to properly administer consumer refunds. If the company can not verify delivery of the original payment, then the check should be cancelled and reissued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I sent to my Mortgage company Newrez multiple times the property tax exemption letter due to being 100 % XXXX veteran. My payment went up from {$3200.00} to {$4400.00}. I resent everything to try to get it resolved, talked to them, had XXXX XXXX tax XXXX talk to them and explain and even had the VA ( Veteran 's Administration ) talk to them and now my payments were raised to {$4700.00} and they keep taking money out of my escrow and now I owe money because they are scamming me. They are causing me so much anxiety and causing my XXXX and Severe XXXX to flare up making me not able to function at all with daily life. This is keeping me up all night. I want the VA to XXXX Newrez from buying or handling any VA loans again because I see this is happening to many of my XXXX 's XXXX XXXX 's with this scamming company.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Application # XXXX I was approved for a XXXX XXXX XXXX the dealership is Auto Web Expo in XXXX, TX and the finance approver was Global Lending Services. I was a little sketchy to begin with here because GLS was attempting to charge a {$2900.00} acquisition fee and i noticed the difference in the price of the vehicle when I went to sign my contract. The only reason I decided to move forward was because the car was a great deal and the dealer had a front to back warranty that included under the hood and any electrical issues. This brought the price of the vehicle to around {$16000.00} which I felt was still reasonable despite the additional fees but never the less the acquisition fee was very high. I received my welcome email on XX/XX/XXXX indicating steps necessary to finalize my loan. I spoke to a rep for the required interview. I was scheduled to pick up the vehicle on the XXXX. The afternoon of the XXXX I got a call back from the XXXX indicating that the application had been returned being flagged as " fraud ''. I was confused but not really extremely worried because I've been working for my company for XXXX years. Its a very large corporation and we use ADP enterprise. In fact I do payroll with this company. So I thought maybe the issue was the way I downloaded the check stubs ( meaning as a payroll practitioner ). I had been in communication with GLS customer service and was sent a link to resubmit updated check stubs. I pulled these check stubs from the employee side and resubmitted them. I also resubmitted them to the finance XXXX with the dealership. I was told the application would be resubmitted but was advised today XX/XX/XXXX that GLS refused to accept the resubmittal. The dealer indicated that they would not accept any other forms of proof of employment such as : communication with HR, XXXX or bank statements where I receive my direct deposit. The biggest issue here is that my understanding is this was system automated. The company refused to do any actual human investigation. If this company flags this as " alleged fraud '' this will prevent me from even potentialyl getting any other approval. I have yet to receive anything in writing indicating why I was denied. I have yet to be notified of what system was used to determine my legitimate check stubs as fraudulent. This company is in violation of the Equal Credit opportunity act by failing to provide me with a written adverse action notice and the Fair Credit Reporting Act by hiding the third party data source they used to flag my documents. All documents can and will be provided upon request including breakdown provided by dealership of acquisition fee.

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: CL Holdings LLC
State: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: InvestiNet LLC
State: FL

Complaint narrative:
On Friday XX/XX/year> I received a message from investi-Net saying act now for a discounted settlement offer. So I reached out to find out how much I would need to pay. They then say I shouldnt have received a message or email regarding a settlement offer because they dont offer those. And that I was sent that communication by mistake. How would you send someone a communication by mistake. They are lying and sending those messages out as a scam to bait ppl into giving there info for a settlement offer they know doesnt even really exist. I do feel like I should be offered some sort of settlement you sent the message! I didnt ask for a settlement they willingly sent that message to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I am filing this complaint because Synchrony Bank repeatedly denied my dispute despite the evidence I provided showing that my medical insurance plan, XXXX XXXX, covered or partially covered the disputed charges. I did not continue receiving or using the medical services and clearly notified the merchant by email that I no longer wished to continue receiving services. I did not receive any response from the merchant regarding my cancellation request. The issue is not the existence of the CareCredit account. During the first dispute, Synchrony only provided a copy of the CareCredit application, which does not validate the disputed medical charges. They did not provide signed authorization for the disputed charges, proof that I continued receiving services, itemized billing records, proof of financial responsibility after insurance payments, or documentation proving that the charges were valid after insurance coverage. Despite submitting supporting documentation multiple times, Synchrony continued ruling in favor of the merchant without properly addressing the insurance coverage issue or the cancellation request I sent to the merchant. It is unfair for me to be held responsible for charges related to services I did not continue receiving or using and that were covered or partially covered by my medical insurance plan. I believe Synchrony failed to conduct a proper and reasonable investigation under the Fair Credit Billing Act. I am requesting : * A full reinvestigation of the dispute * Copies of all merchant evidence used to deny my claim * Review of my insurance coverage documentation * Validation of the disputed medical charges * Correction or removal of inaccurate balances

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX charged XXXX in intrest. My account was forcibly transfered from XXXX to citi and not at my request. I was not notified that my auto pay would stop working or the account would be transferred until after the fact. Later after I called they put up alerts after the fact on the app. I called Citi bank credit card to discuss the situation. They offered a XXXX dollar credit if I spent several thousand dollars. I paid the interest and closed the account. They should have provided a grace period given the forced transfer, inability to consent, and lack of being informed. Instead they used this transition to get extra fees and drum up charges on long standing customers. Resolution would include repayment of the interest/fees and {$250.00} for the hassle. If this is a habit and a business practice they should recive a class action. They should refund others who were harmed by these predatory business practices.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year>, multiple unauthorized transactions were made using my payment card account ending in XXXX. These charges were not authorized by me and appear to be fraudulent. The transactions include multiple fuel, car wash, and vehicle-related charges across different merchants and states on the same day, which is not consistent with my actual activity or location. At the time, I was traveling from Louisiana to XXXX, Delaware by bus. I do not own a vehicle and did not make any purchases related to fuel, car washes, or other car services. Additionally, I only made one legitimate purchase of approximately {$46.00} during my travel. However, multiple fraudulent charges were posted from various locations including XXXX XXXX, CT ; XXXX, CT ; XXXX XXXX, MD ; XXXX, CT ; and XXXX, VA on the same day. It is not possible for me to have been present in all of these locations. This strongly indicates that my card information was compromised and used fraudulently across multiple states. The total disputed amount is approximately {$1400.00} USD. I previously attempted to dispute these transactions through the payment provider, but the claim was denied. I am requesting a full reinvestigation, reversal of all unauthorized charges, and a review of how these transactions were approved despite clear evidence of fraud and impossible geographic activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I never sign any documents for this vehicle so I told to provide the sign contract

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
I enrolled in auto-payment with Citibank. Due to the standard XXXX billing cycle activation delay inherent in Citi 's system, the auto-enrollment was not fully active when the payment date arrived, resulting in a failed transaction and a {$29.00} fee. I immediately paid the balance manually. Citibank customer support is refusing to waive this standard system-lag fee unless I provide a physical corporate liability letter from my other bank, which is an impossible and non-standard bureaucratic demand for a consumer. I am requesting a manual review by executive resolution and a waiver of the {$29.00} fee.

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 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
The reason why I am writing this is because XXXX has a history of trying to defraud and illegally bill. I want this removed from my credit report and below I have attached the conversations, the dates I paid via my bank account ( XXXX XXXX ) in regards to the past where they tried to illegally bill me. I cancelled on XX/XX/XXXX for my last day of service which was on XX/XX/XXXX and paid my last due balance of {$71.00}. Which is why I find it weird that they are saying I owe for XX/XX/XXXX if I cancelled on XX/XX/XXXX and paid for the entire month. I am Autistic and therefore protected under XXXX law and these people are trying to take advantage of me. I tried to get them to stop billing me, but they refused so I posted on their page and they deleted all of my comments.Again, here is the proof I have contacted them about fraudulent billing, as well as bank account payments, the person I spoke to on the fraudulent billing. I want this removed from my credit report. I also am giving proof I reported them to XXXX. Deceptive Collection Practices and Account Manipulation by XXXX and Sunrise Credit Services I am filing this complaint because I am being subjected to unlawful " chain-collecting '' and debt-dumping tactics regarding an erroneous {$260.00} balance originally alleged by XXXX. This exact debt was previously assigned to XXXX XXXX XXXX ( XXXX ). I disputed the account, and following a prior CFPB investigation, XXXX formally recalled the account from their office and submitted a credit deletion to the credit bureaus. Instead of updating their internal records and resolving this matter permanently, XXXX has engaged in deceptive trade practices under Nevada NRS 598 by knowingly " dumping '' this compromised, disputed debt onto a secondary collection agency, Sunrise Credit Services. This practice explicitly violates the Fair Debt Collection Practices Act ( FDCPA ) and Nevada debt collection laws under NRS 649.375, which prohibits unfair and deceptive means to collect a debt. Forcing a consumer to repeatedly dispute the exact same flawed balance across multiple collection agencies after a deletion has already been granted constitutes systemic harassment. Furthermore, continuing to pursue this invalid debt while I am managing severe health and personal stress violates the protections outlined under NRS 598.0973 regarding consumer fraud against vulnerable individuals.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted Westlake Financial and requested a payoff amount for my vehicle. I was told the total amount due was {$2300.00}, which I paid in full with the understanding that my title would be released. After waiting about a month and not receiving my title, I contacted the company again and was then told I had an additional balance of {$420.00}. When I asked for a clear explanation of this balance, I received different answers from multiple representatives. Some stated it was related to fees, while others gave inconsistent explanations. I escalated the issue to supervisors several times, but no one was able to provide a clear breakdown or resolution. I also requested to speak with a direct manager multiple times, but I never received a callback despite being promised one. I submitted emails and support tickets, but they were repeatedly closed without properly addressing my concerns. In an effort to resolve this matter, I paid an additional {$350.00}, and I am now being told I still owe another {$220.00}. At this point, I have been charged multiple unexpected amounts after being told I had already paid my payoff balance. I am filing this complaint because I need a full written breakdown of all charges, an explanation of why additional balances continue to be added after payment, and assistance resolving this account. I have experienced poor communication, unanswered escalation requests, and repeated difficulty obtaining accurate information. This ongoing situation has caused significant financial stress and concern, especially regarding the possibility of repossession despite my efforts to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
I am filing a formal complaint against U.S. Bank for illegally withholding {$160000.00} of my funds and falsely claiming a legitimate cashier 's check was fraudulent.A cashier 's check was issued to me by XXXX XXXX following an account closure. When I attempted to deposit/process these funds, U.S. Bank placed a stop payment/hold on the transaction, claiming the check was " fake '' and " could not be verified. " I escalated this issue through a CFPB complaint against XXXX XXXX ( CFPB Case XXXX XXXXXXXX ). On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX issued a final corporate determination letter ( XXXX XXXX Case # XXXX ) XXXX XXXX XXXX official executive investigation states : " Our records indicate that the check was issued on XX/XX/XXXX, for {$160000.00} and the item was paid as of XX/XX/XXXX. " This official bank-of-origin documentation proves that the check was XXXX XXXX authentic and that U.S. Bank successfully pulled XXXX {$160000.00} out of XXXX XXXX 's system XXXX XX/XX/XXXX. U.S. Bank has been wrongfully holding my life savings for over XXXX months under a false claim of fraud, far exceeding the XXXX statutory holding limits outlined in UCC 3-312.I demand that U.S. Bank immediately locate these funds in their internal clearing/suspense ledgers, acknowledge the official verification from XXXX XXXX, and release the full {$160000.00} to me immediately via wire transfer or cashier 's check

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