vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I leased a XXXX BMW XXXX from XXXX BMW in XXXX. After the lease was terminated I was looking for a new BMW. When we sat down to build a new car I stated I did not want the wheels that BMW suggested in the build because they crack and bend and need numerous repairs. All fees were waived because I was going into a new car and I have never paid a lease return fee since I started leasing with the same dealership since XXXX. I have leased their flagship XXXX XXXX, BMW XXXX, and XXXX. After the deal did not go anywhere BMW deceitfully sent the balance of {$380.00} to collections? The never called me once to which I verified email and telephone # with XXXX of BMW Financial Services on XX/XX/XXXX. Further more, BMW would send all payment request to my email for the last 14 years when a payment was due. BMW could have called or emailed me at anytime with readily accessible information but choose the spiteful and malicious cause harm to me credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XXXX of XXXX there was a charge to my PayPal credit card to XXXX for a reservation that was made to rent a house in XXXX XXXX Nevada. The first issue began with PayPal increasing my credit line without my approval to make this reservation. Second issue was that I was unaware of XXXX strict cancellation policies for the reservation after we checked in there were a couple of issues and concerns with illegal activity prostitution and drug trafficking in the area and after just checking in for a couple of hours we did not feel safe to stay at the house. I called XXXX to dispute and get a refund they said it will have to disputed with the host and that the host should walk me through the steps to cancel the booking the host told me clearly to cancel the reservation and that he would refund me the money. I called the host and explained that we has a small child and we did not feel comfortable staying a the house and guided me to cancel the reservation knowing that the host would had to cancel the reservation to get my refund. After I canceled the reservation the host just ghosted me and never heard nothing back from him and never received my refund for the reservation. I called XXXX and they were no help. I feel like XXXX is doing shady business and is not clear on the details of what happens when you need to cancel a reservation they are only are looking out for there own and the host benefits witch very unfair and I feel like I was scammed as a result of this I am unable to get my credit back on track. Please help me with this unfortunate event that has taken a toll on my finances mental health and lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Ive been paying on my XXXX XXXX XXXX since XX/XX/XXXX & was not aware of the high interest rates Title Max were charging me. I only borrowed {$2000.00} from Title Max & done paid atleast $ XXXX since & still owe {$2200.00}! because their online portal keeps messing up & buffering. Even if I sign online it will later on say you didnt sign & apply more fees, which even the office where I live at complains about it but does nothing & its just pocketing money that I dont have. Three days ago XX/XX/XXXX I signed with my own eyes it said it went through & wasnt due again until XX/XX/XXXX ; but now its XX/XX/XXXX its saying I owe {$18.00} past due & got a call I need to renew. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America for the improper denial of a credit card dispute regarding a {$190.00} charge at XXXX XXXX XXXX on [ XX/XX/XXXX ]. I have been a loyal Bank of America customer since XXXX and am a Preferred Rewards Platinum member. Despite my decade-long history of responsible account management, the bank is choosing to side with a merchant that has already admitted fault by issuing a partial refund for the same evening.Despite providing clear physical evidence and proof of the merchants own admission of fault, the bank has failed to conduct a meaningful human review. 1. Admission of Fault by the Merchant : The merchant has already conceded that the service provided on this date was defective. They issued a separate {$70.00} refund ( which has cleared on my XXXX account ) for the 'admission/seating " portion of the same event. It is a failure of the banks investigative process to rule that a meal was valid when the merchant themselves already admitted the event was a failure by issuing a partial refund. 2. Direct Product Misrepresentation ( Bait-and-Switch ) : The merchants official menu explicitly promises 'SCALLOPS ' ( plural ) for the appetizer. I provided Bank of America with a photograph of the dish served, which contained only a single scallop. This is a clear case of 'Merchandise Not as Described ' and a violation of the Terms of Sale. XXXX. Quality of Service Failure : The primary entree ( {$53.00} Wagyu steak ) was served cold. I complained to management on-site and through an XXXX message immediately following the event, but no correction was offered. 4. Improper Reason for Denial : Bank of Americas denial letter states the items were 'not returned correctly. ' It is physically impossible to 'return ' a meal that was defective at the point of service. Furthermore, I was a 'captured audience ' at a ticketed show and attempted to resolve the issue on-site to no avail.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection practices by XXXX XXXX XXXX, XXXX, acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I timely disputed an alleged homeowners association debt in its entirety and requested verification of the debt, including documentation establishing the authority of the Board of Directors, proper authorization of the assessments and fines, and compliance with the Associations governing documents. A copy of that dispute correspondence is attached. Despite receiving this dispute, the law firm did not provide a response until XX/XX/XXXX, approximately XXXX months later. When they did respond, they failed to provide proper verification of the debt. Instead of supplying supporting documentation, the firm provided a generic account ledger, cited provisions of the governing documents, and made conclusory statements that the Association has authority to impose and collect the charges. They did not provide any evidence establishing that the Board of Directors was lawfully constituted at the time the charges were approved, nor did they provide meeting minutes, resolutions, or other records demonstrating that the assessments, fines, or collection actions were properly authorized. Additionally, the enforcement action underlying the alleged debt is based on a purported hearing that was conducted by only two individuals acting as the Board of Directors, despite the Associations bylaws requiring a three member Board following the Declarant Control Period. This raises serious concerns regarding whether the Board was properly constituted and whether the hearing itself was valid. As a result, the legitimacy of the fines and charges being collected is in question. Despite failing to provide adequate verification, the law firm continues to attempt to collect the alleged debt and represents that the amount is due and enforceable. Their correspondence explicitly states that it is an attempt to collect a debt. This conduct violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ), because the firm failed to provide meaningful verification of the debt and continued collection activity after the dispute. It also raises concerns under 15 U.S.C. 1692e, as the firm is representing that the debt is valid and enforceable without substantiating that claim, and under 15 U.S.C. 1692f, as it is attempting to collect amounts that may not be legally owed due to procedural defects and lack of authority. I am requesting that the CFPB investigate this matter and require the debt collector to cease all collection activity unless and until proper verification of the debt is provided, including documentation demonstrating lawful board authority, proper approval of the charges, and compliance with the governing documents.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Subject : Formal Complaint Failure to Process Voluntary Surrender of Vehicle I am submitting this complaint regarding OneMain Financials ongoing failure to process my voluntary surrender request for my vehicle loan. I initially requested a voluntary surrender nearly a year ago. Finally in XXXX they told me I could come in and fill out a voluntary surrender request. I completed and signed all paperwork provided to me for this process. Since that time, I have made numerous follow-up calls and have repeatedly been told to call back later, as no decision had been made. Despite my consistent, good-faith efforts to surrender the vehicle, OneMain Financial has failed to take possession of it or provide a clear resolution. Most recently, I was informed by a corporate representative that the company will not repossess the vehicle because its value is too low. I was then instructed to bring the vehicle to a local branch and request that they accept itwithout any guarantee that they will do so. This situation is unreasonable and has placed an unfair burden on me. The vehicle remains on private property, and I do not have the ability to continue storing or relocating it. I have made every effort to surrender the vehicle properly, and the company has effectively refused to complete the process while still holding me responsible. I am requesting immediate resolution of this matter in one of the following ways : Acceptance of the voluntary surrender and prompt removal of the vehicle, OR Written confirmation that OneMain Financial is declining to repossess the vehicle, along with clear instructions on how I am expected to proceed Clarification of any remaining financial obligation associated with this loan Additionally, I request that all further communication regarding this matter be provided in writing. This prolonged delay and lack of action is unacceptable. If this matter is not resolved promptly, I am prepared to pursue further complaints with appropriate regulatory agencies. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
On XXXX XXXX I see a hard inquiry from Santander consumer. I didnt authorize this credit check. I also contacted them on XX/XX/year> asking them to provide proof. He responded with saying go file a compliant. I want this hard inquiry removed it wasnt authorized and they have no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am filing a complaint regarding an unresolved debit card fraud claim with Navy Federal Credit Union. On XX/XX/year>, three unauthorized transactions occurred within minutes of each other from unfamiliar merchants. I identified the transactions immediately and contacted Navy Federal the same day while they were still pending. During that call, I requested that the transactions be blocked. I was told that no action could be taken until the transactions posted and that I would need to report them after posting. Following those instructions, I formally reported the transactions to the fraud department on XX/XX/year>. Navy Federal has already reimbursed two of the three transactions, confirming that fraudulent activity occurred on my account. However, they denied reimbursement for the third transaction in the amount of {$550.00}, citing past spending habits or similar activity. This determination is inconsistent and unsupported. Three transactions occurring within minutes of each other can not reasonably be both fraudulent and authorized at the same time. To be clear : I did not authorize this transaction in any way My card remained in my possession at all times I did not provide my card information to any person I was not scammed, and I did not knowingly participate in this transaction I did not receive any goods or services related to this charge I did not benefit financially in any way Additionally, I reported the activity immediately on XX/XX/year>, while the transactions were still pending, and requested they be blocked. Any delay in formal processing was due to Navy Federals instructions. I have not been provided with any evidence demonstrating that I authorized this transaction, including : Method of authorization ( chip, swipe, online, etc. ) Any authentication used ( PIN, signature, device, IP address ) Proof of goods or services delivered to me Under Regulation E, I am not liable for unauthorized electronic fund transfers once reported. I am requesting : Full reimbursement of the {$550.00} transaction Documentation of any evidence used to determine this transaction was authorized Confirmation that my claim is being handled in compliance with federal law If this matter is not resolved, I will continue escalation. This matter involves unauthorized access to my account, not a scam or authorized transaction, and should be treated accordingly under Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: GA

Complaint narrative:
I followed up with Klarna and confirmed that I no longer owed a debt and that payments were cleared. The company refuses to update credit information to reflect cleared payments. I provided information to XXXX showing the debt was paided. They too will not update the account to show no payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
After voluntary repossesion i was not notified that the car was taken and was told it was in the city of XXXX impound. I was told by the company that the car was not worth picking up. This all took place back in XXXX. The company attempted to collect money even after they knew they had sold me a lemon. The car was infested with roaches, and when it rained, it also rained in the car.

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 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I am filing this complaint regarding MOHELAs improper placement of my loans into administrative forbearance, failure to provide notice, and refusal to properly credit qualifying months toward my XXXX XXXX XXXX XXXX ( XXXX ). I have been enrolled in the XXXX XXXX XXXX XXXX ( XXXX ) plan and have maintained continuous full-time qualifying public service employment. I did not request forbearance at any time. XXXX of Events : XX/XX/XXXX : MOHELA now claims I was placed into administrative forbearance beginning in XX/XX/XXXX. I was never notified of this change and did not request it. XX/XX/XXXX XX/XX/XXXX : During this entire period : I continued to receive notices indicating I owed {$0.00} payments under the XXXX XXXX I received communications to recertify my employment for XXXX I received no notice that I was in forbearance I received no notice that my PSLF months would not count XX/XX/XXXX : The U.S. Department of Education website reflects that administrative forbearance began after XX/XX/XXXX, directly contradicting MOHELAs claim of XX/XX/XXXX. XX/XX/XXXX : MOHELA claims they sent notice of administrative forbearance at this time. I did not receive this notice. If accurate, this would mean MOHELA waited approximately 15 months after the alleged start date ( XX/XX/XXXX ) to notify me, which is unreasonable and unacceptable. XX/XX/XXXX : I received a notice requiring me to recertify my income for an XXXX XXXX XXXX XXXX XXXX XXXX which I completed. This further suggests I was being treated as actively enrolled in an XXXX XXXX rather than properly informed of any forbearance status. Key Issues : Improper Administrative Forbearance- I did not request forbearance I was actively enrolled in XXXX and employed full-time in public service No notice at or near the time of alleged forbearance ( XX/XX/XXXX ) No notice during XXXX while receiving {$0.00} payment statements Alleged notice delayed until XX/XX/XXXX ( if sent at all ) Conflicting Federal Records MOHELA : Forbearance began XX/XX/XXXX. Department of Education : XXXX began after XX/XX/XXXX. This discrepancy indicates unreliable and inconsistent account records. I continued receiving : {$0.00} payment notices under XXXX and XXXX employment certification reminders. These communications led me to reasonably believe I remained in good standing under an income-driven repayment plan. MOHELA is refusing to credit months during which : I was eligible I was employed full-time in public service I did not request forbearance

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I submitted an inquiry online for an apartment after a few weeks they called and said they had one available and i said i already found somewhere else to live they said ok will write it down. moved in in XX/XX/XXXX to my current apartment and there trying to charge for a months rent in XXXX and said that i lived there ive never been on there property or have received any keys from them or signed any contract about rent or moving in and there still trying to charge me XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have maintained accounts with Wells Fargo for over 14 years. At one point, the bank opened two sets of checking and savings accounts in my name without my clear authorization. I eventually closed one set, but that is not the primary issue prompting this complaint. Sometime last year, Wells Fargo changed its account structure and fee schedule. To my knowledge, no adequate notice was provided to existing customers. When I raised this at a Wells Fargo branch in XXXX XXXX, Florida, a staff member claimed that notifications had been sent out the prior year. I checked my email and physical mail records thoroughly and found no such communication. The issue came to my attention because I had historically obtained cashier 's checks at Wells Fargo at no charge under my account terms. This year, I requested cashier 's checks on two separate occasions and was charged a fee both times. When I asked branch tellers to explain the new requirements and what balance thresholds would waive the fees, I was given no clear answer. The tellers appeared to have knowledge of the changes but were either instructed or inclined not to share the specifics. I was directed to speak with a banker instead. When I did speak with a banker, I was informed of the following changes : - The minimum balance requirement for the savings account to avoid fees has increased from {$50000.00} to {$250000.00}. - The linked checking account now requires a minimum balance of {$5000.00} or a monthly service fee of {$15.00} applies. My concerns are as follows : 1. Wells Fargo changed its account terms and fee structure without providing clear, verifiable notice to existing customers through electronic or physical channels. 2. Branch staff withheld information about the new fee thresholds and account requirements when customers asked directly, effectively preventing customers from making informed decisions about their accounts.

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 non-monetary relief