vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 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: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I became the victim of a coercionbased fraud scheme. I received a phone call from an individual falsely claiming to be affiliated with the XXXX XXXX Police Department. The caller ID displayed a local government number, which I later learned was spoofed. I also received text messages appearing to contain court documents. The caller claimed to be acting on behalf of a federal judge and stated that warrants and citations had been issued in my name for failure to appear for jury duty. During the call, the individual recited my personal identifying information, which led me to believe my identity had been compromised and that the threat was credible. The caller became increasingly threatening and stated that he was tracking and following me. I was told I would be harmed if I did not comply with his instructions. Fearing for my immediate safety and believing I was in imminent danger, I was instructed to withdraw cash from my Wells Fargo bank branch and deposit it into a cryptocurrency machine. Under this coercion, I withdrew {$3700.00} from my Wells Fargo account and deposited it as directed while the caller remained on the phone making continued threats. After the incident, I attempted to report the crime to multiple law enforcement agencies and was later instructed to file a police report with local authorities. I also received an additional threatening call on XX/XX/year>, escalating my safety concerns. I filed a fraud claim with Wells Fargo regarding the withdrawal, explaining that the transaction occurred under duress and threat of physical harm. I escalated the claim twice. Wells Fargo denied the claim both times, stating that the withdrawal was authorized, despite the coercive circumstances. The bank closed the claim without reimbursement. During one escalation call, a Wells Fargo agent made dismissive and discriminatory remarks, stating that tellers are not required to question withdrawals unless a customer is a senior, and that I should have known better. These comments were inappropriate and failed to account for the circumstances of the fraud, as well as the fact that vulnerability is not limited to age. I have experienced a XXXX XXXX XXXX and am part of a vulnerable population that warrants the same consideration and protections as seniors. The agent made these statements without knowledge of my medical history, rendering the remarks both unfounded and discriminatory. I am filing this complaint because Wells Fargo failed to reasonably investigate a coercionbased fraud, improperly classified the transaction as authorized, and denied reimbursement despite credible evidence of threats, identity compromise, and criminal impersonation.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am submitting a complaint regarding my auto loan servicer, Bridgecrest, for what appears to be an improper repossession and unlawful retention of my vehicle despite the absence of any default. My vehicle was recently stolen and later recovered by law enforcement and placed in an impound lot. At all times, I have remained current on my loan payments and was not in default under the terms of my contract. While I was actively working with my insurance company to retrieve the vehicle from the impound lot, Bridgecrest intervened and took possession of the vehicle and is now demanding payment of unspecified fees for its return. They have stated they have an interest in the collateral, but have not identified any valid default that would justify repossession under my contract. The only formal written communication I have received from Bridgecrest regarding this matter is a mailed letter stating that the vehicle was repossessed due to failure to make payments. This statement is inaccurate, as I have remained current on all payments and no payment default has occurred. Despite multiple requests, Bridgecrest has refused to provide written documentation explaining : 1. The legal basis for taking possession of the vehicle 2. The specific contractual provision they are relying on 3. An itemized breakdown of any fees being charged This lack of transparency is preventing me from understanding or resolving the situation and is causing ongoing financial harm, including the inability to access my vehicle. My contract states that repossession and related fees are only permitted in the event of default. I dispute that any default occurred, particularly given that the loss of possession resulted from theft and not any action on my part. I am requesting that Bridgecrest : - Provide written documentation supporting their actions- Clarify the basis for any claimed default - Provide an itemized accounting of all fees - Return the vehicle or otherwise resolve this matter appropriately I believe Bridgecrests actions may violate my contractual rights and applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I received notice that my policy was being canceled and that I owed {$120.00}. I was switching to a different insurance provider, and was happy with this policy cancellation. I believe I paid the remaining balance. However, I later received notice that the policy was not cancelled and that confirmation had been sent in error. This resulted in additional charges through the month of XXXX and XXXX, totaling over {$500.00}. I tried to call XXXX at the time and cancel the policy, but they stated I still owed the remaining balance of {$510.00}. I could not afford this, nor should I have been forced to pay when I received written confirmation that the policy was cancelled. I previously attempted to dispute my debt with Caine & Weiner but was unsuccessful. This company is unlicensed to operate in Michigan as a debt collector and I would like to know what authority you have to collect and report to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 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: GA

Complaint narrative:
In XX/XX/year>, I made purchases on my Wayfair credit card ( issued by XXXX Bank ) under a deferred interest promotional offer. Over the course of approximately two years, I made consistent payments on the account. However, my balance has remained largely unchanged despite those payments, and I have been unable to determine how my payments were allocated across my promotional balances. When I recently reviewed my account, I discovered that I can not access my full transaction and statement history prior to a certain point, meaning I have no visibility into how payments were applied during the promotional period that began in XX/XX/year>. I believe my payments may not have been properly allocated toward the promotional balance, resulting in the full deferred interest being charged rather than reduced through my payment history. Additionally, during the life of this account, a charge appeared approximately one year after the original purchase date. I disputed that charge and won, but I am concerned that this late-posting charge and its resolution may have affected how my payments were tracked and allocated across my account. I am requesting a complete account history including all statements from XX/XX/year> to present, and a full written breakdown of how every payment was allocated across all balances and promotional periods. I believe XXXX Bank has not been transparent in how payments were applied and how interest was assessed on this account.

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 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland provided INCOMPLETE validation- deliberately evading 6 out of 9 critical items, including statute of limitations disclosure, itemization, proof of responsibility, and original contract. Partial validation = deceptive evasion = FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I used a credit card and paid in a timely manor. I kept usage consistent, and within limits. I have XXXX missed payments whatsoever. I used it for completely normal reasons. It would appear to me that they do not believe I will allow the credit to roll over to insanely high interest rates so they will not let me use their card. I had a year left of a XXXX interest deal they contacted me about. I didnt seek out this company, I accepted an offer. Then, because of patterns of responsibility, I am a bad business decision- and I am abandoned. Luckily this doesnt hurt me, but for many people this could be an incredible blow to their financial planning- and ultimately their life.

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 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
On XX/XX/year>, I was involved in a motor vehicle accident in which my XXXX XXXX was subsequently declared a total loss. Following this determination, my insurance carrier issued a payment in the amount of {$12000.00} on XX/XX/year>, to be applied toward the outstanding loan balance. Despite this payment, the remaining balance currently being reported is inaccurate and does not reflect the proper application of the insurance proceeds. Any balance reported must be supported by a complete and verifiable accounting, including the application of the insurance payment and the calculation of any remaining amount, if applicable. The continued reporting of this incorrect balance is causing significant financial hardship and negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aqua Finance, Inc.
State: NV

Complaint narrative:
The debt was less than XXXX hours old due to a card expiration. Aqua Finance called claiming to be a debt collection service when it was able to fix a billing issue. They misrepresented it as debt collection and continued to state it was debt collection. Per the contract, debt collection doesn't start until 30 days. The agent on the phone said they are required to call it debt collection service and treat it as debt collection that will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have called Jefferson Capital System informing them that said account does not belong to me and they still reporting it into my credit report. I do have an excellent credit report history and wouldn't do anything incorrect to damage my credit. I'm applying for auto loan and they are not giving me any loan due to wrongful collection being reported into my credit. Please help me to resolve this issue. thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Purchased an item on XX/XX/XXXX via XXXX for {$420.00} and used PayPal for payment. XXXX seller was a scam, after a month passed by I opened an XXXX case, suddenly the seller provided a tracking number saying my item was delivered. It was not. When I appealed the case with XXXX the seller closed the account and disappeared but XXXX kept denying my claim based off that tracking number. Opened a dispute case with PayPal on XXXX XXXX, they have denied my claim on multiple times based off that tracking number. Went to the post office and they provided a picture of the package. The picture has a tracking number matches the tracking number the seller provided but a different street address. PayPal keeps denying my claim even though they admit XXXX XXXX address does not match my house address. With PayPal not helping I opened a dispute with my financial institution. My financial institution, XXXX, has already completed a comprehensive investigation into this transaction. XXXX ruled in my favor, confirming that the merchant provided a fraudulent tracking number that was physically addressed to a different street than my shipping address. PayPal keeps attempting to collect the funds, has the account in a past due status while ignoring the XXXX XXXX ruling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: NY

Complaint narrative:
I took out a XXXX student loan at age XXXX, before the XXXX financial crisis, with MOHELA as servicer. This company has changed its name XXXX times since I signed the contract. My co-signers are my elderly parents, XXXX XXXX and XXXX XXXX, who are retired and living on fixed income including Social Security and a XXXX pension. To date I have made total payments of {$59000.00}. Of that amount, only {$8500.00} - just 14 %- has been applied to principal. The remaining {$50000.00} has gone to interest and {$670.00} to fees. My principal balance remains largely intact despite nearly {$60000.00} paid. This loan was structured so that the only payment option available to me during periods of economic hardship was interest-only, which guaranteed my principal would never meaningfully decrease. I was not adequately informed at signing that this would be the outcome. I have stated on recorded calls with MOHELA over many years that repaying this loan is like cutting down a redwood tree with a butter knife - the interest grows faster than any payment reduces the principal. Those calls are on record with MOHELA. I was explicitly told by a MOHELA representative that my co-signers would be eligible for release after XXXX consecutive on-time payments - a condition I fulfilled. I was promised documentation that never arrived by email or physical mail. On XX/XX/XXXX, MOHELA placed a co-signer release application in my online portal inbox without sending any email notification. I discovered this document only today, XX/XX/XXXX, while filing this complaint. I can confirm that MOHELA is fully capable of emailing me directly - on XX/XX/XXXX, the day before placing the co-signer release form in my portal, MOHELA emailed me about a mailing address change. No such notification was sent for the co-signer release application. This was a deliberate choice, not a technical limitation. Furthermore, the co-signer release application discloses that interest-only payments do not count toward eligibility - a material fact I was never informed of when a MOHELA representative told me XXXX consecutive payments would qualify my co-signers for release. Interest-only payments were the only option I could afford. I was never told they would not count. This is a material failure to disclose. On XX/XX/XXXX, I received a voicemail from MOHELA representative XXXX XXXX, employee # XXXX, stating my account needs attention and that " we only have the month of XXXX to work things out. '' I responded the same day with a formal written co-signer release request to MOHELA 's XXXX XXXX XXXX, copying my co-signers, and simultaneously filed this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Revco Solutions XXXX Re : Dispute of Alleged Debt Account Reported on Credit Report To Whom It May Concern, I am writing to formally dispute the following account that is being reported on my credit report : XXXX XXXX : Revco Solutions Inc Original Creditor : NY XXXX XXXX & XXXX Account Status : Unpaid Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX I do not recognize this debt and do not believe I owe this account. This account is being reported without proper validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide : * Proof that I am legally obligated to pay this debt * A copy of the original contract or service agreement bearing my signature * A complete itemized statement of the alleged balance * Documentation showing your legal authority to collect on this account * Proof that this debt was properly assigned or transferred to your company Additionally, please provide documentation confirming that all information reported to the credit bureaus is accurate and complete. Be advised : If you are unable to provide proper validation of this debt, you must immediately cease all collection activity and request deletion of this account from all credit reporting agencies. Any continued reporting of inaccurate or unverified information may constitute a violation of federal law. I request that all future communication be conducted in writing. Failure to properly validate this debt will result in further complaints filed with the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We instructed our investment company, XXXX, to send a charitable contribution check payable to XXXX XXXX XXXX in Kansas XXXX, MO. XXXX 's bank, Bank XXXX New York XXXX, issued check # XXXX in the amount of {$3200.00} on XX/XX/year>. It was stolen from the church mailbox. It was endorsed " XXXX, '' and improperly honored by Wells Fargo, the bank XXXX XXXX XXXX, routing # XXXX. First deposit date XX/XX/year> ; first deposit sequence number XXXX. This was reported to the police, to no avail. We were told Wells Fargo needed 120 days to investigate. This time is up. We want our money deposited back into our XXXX account. Wells Fargo will not allow me to talk to anyone about this. The XXXX XXXX department is also getting nowhere with Wells Fargo. Can you work with us to get our money back?

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 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a notarized certified letter to Oliphant USA LLC requesting validation of an alleged debt ( File # XXXX ). As of their last report on XX/XX/XXXX, the account shows an open balance of {$7800.00}. However, I have not received any response or proper validation of this debt. On XX/XX/XXXX, I contacted Oliphant USA LLC by phone to inquire about the status of my request. I was instructed to contact XXXX separate law offices. The first office, XXXX XXXX ( XXXX ), redirected me to another firm, XXXX, XXXX, and XXXX ( XXXX ). Neither of these entities are listed on my credit report, and each has referred me elsewhere without providing any verification of the debt. Additionally, the address listed for Oliphant USA LLC appears to be invalid, and none of the provided information has been properly verified. Despite my formal request, I have yet to receive adequate debt validation, and I am being continuously redirected without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Current Bank owes me {$1000.00} from XXXX resolved disputes that I won while my account was closed. These include XXXX dispute with the merchant XXXX and XXXX disputes with the merchant XXXX. On XX/XX/year>, Current Bank contacted me via email to inform me that a refund check had been initiated for these transactions. As of XX/XX/XXXX, I have not yet received the check. I was advised that it would take XXXX days for the check to be processed and mailed. However, it has now been XXXX weeks, and I still have not received the funds. I am requesting that the funds owed to me be issued promptly.

Company response to consumer: Closed with explanation