vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My car was deemed a total loss on XX/XX/year> by XXXX insurance. The financial institution Bridgecrest was made a aware Of this. They received a total of 3 checks From my insurance company, my gap coverage company and my extended warranty company. As the checks came in at this time I waited for the account to be processed and paid off as stated by bridgecrest. But they did not process the payments in a timely manner matter as to avoid additional interest and fees. As I reached out to them every week I was told they were working on it on the back end is what was stated to me. I am still waiting for my account to be processed and paid in full.and a Letter stating this. I spoke to a supervisor XXXX who told me they would look into it and call me back. But he did not. I am a XXXX XXXX XXXX in college and I expressed that my financial situation is strained and To please process this in a timely matter as time is of the essence. And I am still paying payments on the loan. Even though they received more money then was needed to pay the account off in full Had it been processed when they received the checks for the payoff. I feel I am being taken advantage of. They seem to blow me off every time I call in. This is frustrating to say the least and causing extreme XXXX and stress. On me. Its causing my grades to suffer as well. Please help

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: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I errantly made a double payment towards my XXXX Rewards credit card issued by First National Bank of Omaha, resulting in a large credit balance. When I reached out requesting a return of this credit balance, the chat agent advised it may take 45 days for them to process the request. When I advised this was unacceptable, the chat agent referred me to call in. The first phone agent reiterated the timeline. I asked to speak with a supervisor that also indicated there was absolutely nothing they were willing to do to expedite the return of my funds to my account. I was provided XXXX as a record of the conversation with that supervisor who took my bank account & routing number to have their back office electronically process the request in the order it was received, with no process for escalation.

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: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX had her account closed about a year ago. At that time, the bank promised to send a check to suggested addresses. This check was never delivered. Furthermore, the bank did not make any further contact to ensure the return of the funds from the account, which was closed without any responsibility on XXXX part. There was no resolution regarding delivering the amount to her.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
CFPB Complaint Summary On XX/XX/XXXX at approximately XXXXXXXX XXXX, I contacted PayPal after receiving notifications that someone was attempting to access my account. During that contact, I reported that unauthorized transactions were occurring and that money was being stolen from my account. Specifically, I reported a transaction in the amount of {$520.00} sent to an individual named XXXX XXXX ( XXXX ), associated with transaction ID XXXX. I stated clearly that I do not know this individual and did not authorize this payment. I requested that PayPal immediately stop the transaction and return the funds. I also confirmed that approximately {$520.00} had already been transferred from my PayPal balance without my authorization and submitted a formal claim. On XX/XX/XXXX, I contacted PayPal again. During this interaction, I was questioned about denying a {$500.00} charge. I clarified that I had not denied any legitimate charge, but rather that unauthorized transactions had been made on my account the previous day. I explained that this additional $ XXXX-related inquiry appeared to be part of ongoing fraudulent activity. I also reported additional unauthorized transactions involving an individual identified as XXXX. These included transfers of XXXX and XXXX, bringing the total unauthorized activity to approximately {$900.00} {$1000.00} in addition to the earlier {$520.00} transaction. Furthermore, unauthorized access to my account resulted in a Bitcoin transfer totaling {$250.00} being removed without my consent. In total, these transactions represent multiple instances of unauthorized access, fraudulent transfers, and theft from my PayPal account. I promptly reported the issue upon discovery and followed up the next day, yet the fraudulent activity continued. I am requesting a full investigation, immediate reversal of all unauthorized transactions, and reimbursement of all stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Around XXXX of 2025 They repeatedly called my cell. I asked them to stop and had to fight them to do so. Evenetuall ythey stopped. Than randomly on XXXX They called me again trying to collect a debt. I advised them of the Previous calls and that I was not to be called. They continued with the call. Than I asked to speak to a supervisor. XXXX took the phone. I was attemptoing to advise her how I was not to be called. She refused to asnwer questions and hung up on me. I called back wasted 1 hour getting to her peer XXXX. XXXX said he isnt a debt collector. Than he asked me make a payment.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I opened a checking account with SOFI because I received a promotional offer to receive a bonus if I had direct deposits of {$5000.00} or more within 25 days. I opened the account on XX/XX/XXXX and had a bonus of {$5000.00} deposited from my employer on XX/XX/XXXX. The offer said I would receive the bonus within 7 business days but it never arrived. On XX/XX/XXXX, I messaged the support for the bank to ask why I had not received the bonus and the agent said the deposit was coded differently but assured that it was a valid deposit and that I should receive the bonus. They submitted a ticket that day to have another person review it and apply the deposit. They told me I should have it resolved in 3-4 business days. By today, XX/XX/XXXX, I still had not received the bonus so I messaged the support line again. The agent this time told me that there has not been any resolution yet to the submitted ticket and to wait longer but did not give a specific time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and an improper investigation related to my vehicle loan account with Exeter FinancXXXX ( Account # XXXX ). I disputed this account with XXXX and the results stated that the account was verified as accurate. However, I have reason to believe that this investigation was not conducted properly and did not meet the requirements under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611, a credit reporting agency is required to conduct a reasonable investigation. Simply relying on automated verification systems without reviewing actual documentation does not meet this requirement. I have requested the method of verification, including documentation used to verify this account, but have not received sufficient proof that a proper investigation was completed. Additionally, under FCRA 623, the furnisher ( Exeter Finance ) is required to report accurate and complete information and must be able to validate the debt. I am requesting the following : 1. A copy of the original signed contract 2. A complete payment history 3. Documentation showing how the balance of {$17000.00} was calculated 4. Proof that the account is being reported accurately If this information can not be provided, I am requesting that this account be removed from my credit report immediately. This matter is time-sensitive and requires prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: MA

Complaint narrative:
I am submitting this complaint as a follow-up to a previous complaint that was closed regarding a collection account reported by XXXX XXXX XXXX XXXX In their response, XXXX cited the Fair Credit Reporting Act and stated that the account would remain on my credit report because it was accurate. While I acknowledge that the account was paid in full, I am disputing the accuracy and completeness of the information being reported, specifically the contact information listed on my XXXX credit report. The phone number listed does not match the number used in actual communication attempts. Because this information is inconsistent and unverifiable, I am requesting a full investigation. If XXXX XXXX XXXX can not verify all aspects of this account with accuracy and consistency, I am requesting that the tradeline be deleted from all credit reporting agencies. This account was paid immediately upon discovery, yet it has significantly impacted my credit profile. I am seeking a resolution that ensures only fully accurate and verifiable information remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
My debit card was stolen and charges totaling {$330.00} was made at XXXX without my knowledge or consent. I filed a police report and a claim with my bank. They denied my claim within days. I ask that this claim be reevaluated and governed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a letter from this debt collector then not even a week later ( today ) they started calling me repeatedly leaving messages and within a 3 hour window I have already received 3 phone calls and 3 messages. There is no reason to call and leave messages 3 times in 3 hours after already sending me a letter.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One claims XXXX as a travel partner. Capital One claims on their website " XXXX capital one miles = XXXX XXXX miles ''. Capital One also states that XXXX points equals {$100.00}. On XX/XX/XXXX I had XXXX miles on Capital One which is a value of {$1700.00}. Moments before transferring the points to XXXX I made certain it was still a XXXX value. However when I transferred the XXXX points to XXXX I was only given a value of {$550.00} for those points at checkout. When I spoke to Capital One stating that I lost a value of {$1200.00} I was told they have no responsibility for how much XXXX values my points even though it states on their website it is a XXXX value. I was told that someone would call me back and that my case had been escalated to the next level. When I received a call that person offered me only {$25.00} which I believe acknowledges a wrongdoing but does not make me whole. I was told On XX/XX/XXXX I would be balled back again as my case had been escalated even further. I did not receive a call and so I called back 3 more times and each time was told I would receive a call. Today, XX/XX/XXXX, I called again and was told the case had been closed. I feel that I have been the victim of a bait and switch which has cost me {$1200.00}. If I had not transferred the points I would be able to use those points to " erase '' travel expenses. Since Capital One has XXXX as a partner I feel this is a way for them to transfer points for a lesser value and suddenly be free of {$1200.00} in value.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn. XXXX XX/XX/year> Midland Credit Management , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Debt Validation Request To Whom It May Concern, I am writing regarding two accounts that your company claims I owe. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide the following documentation : - The name and address of the original creditor - The original account number- The date the account was opened- A complete payment history, including all charges, fees, and interest - The total amount claimed and an itemized breakdown - Copies of any signed agreement or contract bearing my signature - Documentation showing you are legally authorized to collect this debt - Proof of assignment or purchase of the account Additionally, please confirm whether this debt is within the applicable statute of limitations. Be advised that until you provide proper validation of this debt, you must cease all collection activities, including reporting this account to any credit reporting agencies, as required under federal law. If you are unable to provide the requested documentation, I demand that this account be deleted from all credit reporting agencies immediately. This letter is not a refusal to pay, but a notice that your claim is disputed. Sincerely, 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: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing this complaint against Westlake Financial Services for wrongful repossession, payment mishandling, and inaccurate credit reporting. On XX/XX/2026, the XXXX XXXX XXXX XXXX requested Westlake Financials W-9 form XXXX they could issue a payment on my behalf. Westlake failed to provide the W-9 until XX/XX/2026. This delay directly prevented timely issuance of the payment. Once the W-9 was provided, a payment of {$760.00} ( Check # XXXX ) was issued on XX/XX/2026 and mailed on XX/XX/2026. Westlake was aware that payment was in process. Despite this, Westlake repossessed my vehicle on XX/XX/2026 while the payment process was active and ongoing. This repossession was caused by Westlakes delay and mishandling of required documentation. A second payment in the amount of {$1200.00} was sent via overnight delivery to Westlakes XXXX XXXX processing location. The payment was delivered on XX/XX/2026 at XXXXXXXX XXXX and signed for by XXXX XXXX. Westlake failed to properly process and apply this payment. In addition, Westlake reported my account as 30 days delinquent and reported a repossession to the credit bureaus while payments were in process and after funds were received. My credit report now inaccurately reflects derogatory information, including showing the account as closed. These actions are inaccurate and harmful. Westlake reported negative credit information despite having knowledge of pending and received payments.

Company response to consumer: Closed with explanation
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: Rent Recovery Solutions
State: MD

Complaint narrative:
I am disputing a debt being reported or associated with my name by this company. I requested full validation of the alleged debt, including documentation from the original creditor, proof of the amount owed, and confirmation of any actions taken on my account. I was instructed to follow up after 30 days for an update. It has now been over 30 days, and the company has failed to provide any meaningful response. No representative has been able to confirm whether the creditor responded, what actions have been taken, or provide any documentation validating the debt. Additionally, the company has refused to provide any written records of communication or account activity. As a result, I am unable to verify the legitimacy or accuracy of this debt. This raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request. I am requesting full validation of the alleged debt, including original creditor documentation, proof of authorization to collect or report this debt, and immediate correction or removal of any inaccurate reporting if validation can not be provided. Additionally, I have documentation from the original creditor confirming that my final balance was {$0.00}. This directly contradicts the debt being reported or associated with my name. Despite this, the company continues to report or attempt to collect this debt without providing any validation or explanation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have opened this Amex savings account because I was offered a promotion in the Amex app. The bonus was suppose to be given to my account upon transferring XXXX of new money which I did and then holding this money for 60 days. I called today to inquire where the bonus is and I was told that there is no bonus pending on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CA

Complaint narrative:
Theyre charging me XXXX percent interest when that was never mentioned and in my contract they cant even get it over to me they say they keep on sending and sending a nd nothing Ive payed my installments time on time and only have gotten XXXX XXXX back to my loan ask for reassurance and confirmation everythings ok and they cant even do that and when I ask for employee id or what not so I know who Im taking to they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was a victim of a fraudulent impersonation scam on XX/XX/XXXX and XXXX XXXX. As a result of a sophisticated impersonation and social engineering scam I lost {$50000.00}. On XX/XX/year>, I received an email that appeared to come from a known friend. When I opened the email, my computer froze, displaying a message instructing me to call XXXX tech support, along with a phone number. Believing tis to be a legitimate XXXX alert, I called the number. The individual who answered claimed to be a XXXX representative and stated that my financial accounts were compromised. I was then transferred to what I thought was Wells Fargo fraud personnel, who instructed me, under false pretenses, to withdraw funds to protect my assets. These individuals used coordinated impersonation, deception and urgency to convince me that my funds were in immediate danger and needed to be secured. They instructed me, under false pretenses and while impersonating trusted institutions, to withdraw funds and deposit them into a Bitcoin ATM as a means of securing m assets. I relied on their fraudulent instructions and believed I was safeguarding my money. I did not intend to transfer funds to criminals. Any actions I took were solely the result of fraudulent impersonation, deception and impersonation. I was a victim of criminal fraud and social engineering. Immediately upon discovering the fraud, I reported the incident to the real Wells Fargo fraud department and visited my local branch. As part of securing my finances, Wells Fargo closed the original account ( XXXX ) and opened a new account ( XXXX ). I then took comprehensive steps to secure my accounts and devices, including changing all passwords, enabling multi-factor authentication, installing enhanced security protections and ensuring my systems were fully secured. I also promptly filled out a police report and am fully cooperating with law enforcement authorities. At the time of the incident, I was experiencing significant emotional distress following the XXXX XXXX XXXX XXXX, which made me particularly vulnerable to the sophisticated tactics used by these criminals. Given these circumstances, I respectfully request your review and request that Wells Fargo reconsider its determination and reimburse the {$50000.00} lost as a result of this fraud. This loss was a direct result of criminal impersonation and fraudulent inducement, not a voluntary or intentional transfer of funds.

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