vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: CA

Complaint narrative:
I booked a flight with XXXX in XXXX and the flight was significantly moved ( by XXXX hours ) and they offered me a refund to my original payment method. I selected that option and it took them about a week to process it, resulting in them ultimately denying my refund request. I opened an issue with them and they said they couldn't do anything since Wells Fargo was not working with them to accept the refund to my account. I called Wells Fargo who said I needed to dispute the transaction which I did. Wells Fargo then denied my dispute saying they weren't able to get the amount back from XXXX XXXX even though the service was never provided and they are a fairly reputable airline with XXXX payment options. As I understand as a XXXX issuer , Wells Fargo has chargeback rights available to them under card network rules that they declined to exercise.

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 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I was involved in an opportunity that turned into a scam. XXXX XXXX and XXXX was promoting a mentorship for starting our own rental car business and added a bunch of us to a zoom call around the end of XX/XX/year>. They had me and a few other people fill out an application to see if we would get approved for a funding loan from Climb Credit XXXX, we all got approved, and we got a loan for {$15000.00} thinking that we can use it to fund the start of the rental car business and buy vehicles, etc. I found out later down the line that the type of loan is an student loan and its obviously not a business or personal loan where you can use the money however you need to but it was promoted like that. Originally, the mentor agreed to get cars and put us with whatever car he saw fit and then I would get income to pay off the loan essentially. Then I was told we are supposed to get payouts every month to cover the loan payments but its been XXXX months already and theres no payout and I been paying {$400.00} a month since XXXX but he keeps saying XXXX XXXX government shutdowns is messing up the process so I dont believe it. I tried to contact the people that are supposed to be with the school in regards to my loan because I was going to cancel and I was told to get contact with XXXX XXXX ( XXXX ). I continuously asked the mentor about the cars and the payout we were supposed to receive, but never got a straight forward response about those things. The mentor also said he would pay my payments for me because the government shutdown and stating that everything got pushed back but when the time came he ignored me and hasnt gave an answer or sent any money, so I went ahead and paid it myself because I didnt want my XXXX XXXX to drop. I want to dispute this loan and have it removed from my credit report. XXXX paying for a student loan but XXXX not receiving any services, teachings, or any help to solve this problem. I gotten scammed and I shouldve noticed this way sooner before I started paying but I tried to be patient and wait things out but at the end it didnt work out. Ive contacted climb because I thought I would be able to get a refund on the loan but they said they cant do anything until the school gives back the money, and they could start processing the dispute. Since XXXX signed the loan documents I have not heard from XXXX XXXX or received any information from this educational program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This is Citibank XXXX XXXX Credit Card That I paid in full in XX/XX/year>. This payment was ignored and left in place without charging me for missed payment but added interest and has repeated this for months since. Last month I tried to cancel the card and was told it was done. I still see the card is being charged and no change. I tried to call the company but I think all my calls are being intercepted and I am not reaching the proper people. My credit rating is decreasing I have contacted them every month except for XX/XX/year> as took a trip.

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
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A credit card and auto loan from this company was opened around the same time that I had know knowledge of until now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a bill for my XXXX XXXX XXXX XXXX from Citi back around XX/XX/XXXX. The problem was, I'd not used this card in several months and it had been paid in full from my prior usage. I contacted the carrier and disputed the charges. They sent me a new card. I threw the card in my wallet. It was never activated. The next month, I received another bill. The account had been used again. I called and disputed the new charge. I was sent a new card. I was advised that somebody was able to go into a XXXX XXXX across the country from where I live, input my SSN and use the account that way. The representative then blocked this ability for future use with SSN lookup only. I received notices advising my fraudulent charges were cleared. The next month, I received another bill. This time, I'm told it's for late fees. Late fees on what? I am told that this will be straightened out. The next month, yet another bill. And another. I have called, and called. Once I called and was advised by a collections agent that the fraud dept had determined that there was no evidence of fraud. The next day, I spoke with the fraud dept who advised that this was not true, that they would complete their investigation, then fix my account and update my credit report to reflect this rather than the late payments they're now showing. On XX/XX/XXXX, I called and spoke with a representative who advised that my fraudulent charges had been removed. I advised there's still a balance that's showing delinquent. She advised that they're reopening the fraud claim and submitting a balance review. This should take 7-10 business days. The charges will be removed and my credit will be restored. I was told I can disregard the balance. It's XX/XX/XXXX. I have received a notice that Citi is going to submit my account to collections. There's no charge on that account that is mine. At this point, I don't believe they have any intent to fix this problem. Not sure why they wouldn't, but I've thought this for the last 6-7 months. Just sure that every time I spoke to them would be the last.

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 2026-04-06 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: IN

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I was a victim of a bank impersonation fraud scheme. I am originally from XXXX XXXX and was not familiar with how CashApp works or how these types of scams operate in the United States. When I received what appeared to be an official communication from my credit union followed by a call from what appeared to be their official phone number, I panicked and genuinely believed I was speaking with my bank 's fraud department trying to protect my account. Under this fraudulent deception, and in a state of fear and urgency created by the scammers, I made two CashApp transfers totaling {$1700.00} {$1500.00} at XXXX XXXX and {$250.00} at XXXX XXXX on XX/XX/year>. I reported this fraud to CashApp and was issued XXXX XXXX XXXX. On XX/XX/year>, CashApp denied my claim stating the transactions were " authorized by me or someone I authorized to use my credentials. '' This determination fails to account for the fact that my authorization was obtained entirely through criminal deception and impersonation not genuine consumer consent. The merchant name on the transaction records reads " CASH APP XXXX XXXX XXXX XXXX XXXX, '' suggesting the scammers deliberately routed the funds through an account bearing my name to make the transactions appear self-authorized. I am requesting that CashApp investigate who actually received these funds and reverse the fraudulent transactions. I have also filed a CFPB complaint against my credit union ( XXXX XXXX XXXX XXXX XXXX ) for the same incident, Complaint ID XXXX. I have a police report on file. I have attached documents from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I am filing a formal complaint against Target Bank regarding a fraudulent account and concerning misinformation provided by their representatives. A credit card account was opened in my name without my authorization by a family member. I became aware of this fraudulent activity and contacted Target Bank promptly to address the issue and take responsibility for resolving the matter appropriately. However, during my recent interaction, I was informed by Target Bank that I had previously spoken with them on XX/XX/XXXX and declined payment arrangements. This statement is completely false. I did not have any communication with Target Bank on that date, nor did I decline any opportunity to resolve this matter. Today was my first time reaching out to Target Bank regarding this account. The claim that I had prior contact raises serious concerns about the accuracy of their records, potential identity misrepresentation, and the handling of my personal information. Additionally, despite my willingness to resolve the issue, I was denied the opportunity to set up payment arrangements. I find this response unreasonable and inconsistent with fair customer service practices, especially given the fraudulent nature of the account. I am requesting the following : Documentation or recordings of the alleged XX/XX/XXXX communication they claim occurred. Correction of any inaccurate records associated with my account. Assistance in resolving this matter, including appropriate fraud protections or reasonable payment options if applicable. Assurance that my personal information is secure and has not been mishandled. This situation has caused significant stress and concern, and I believe Target Banks handling of this matter may be unethical and potentially in violation of consumer protection standards. I expect a prompt and thorough response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX cost XXXX with interest XXXX on XX/XX/XXXX and i paid XXXX to affrim as of XX/XX/XXXX so when i canceled my reservation with XXXX on XX/XX/XXXX they refunded the whole amount but affrim did not apply it to my loan they sent the refund to affrim money so now they saying I just have to pay the loan off but if I do that will will not receive my XXXX that I have already paid before I canceled my reservation with XXXX XXXX and now they saying it nothing they can do i should just deposit the money into my bank account and payoff another loan i have with them when it should've just went back to my original loan the refund was sent to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
have a debt in collection with the company Midland Management, which is an amount of approximately {$3300.00}. As the legal account holder of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had a payment plan of {$89.00}. I stopped the payment plan, and during that period, they sent me text messages and emails stating that I have an outstanding balance with them and that if I dont pay, they will sue me. Obviously, this is stressful, but every day I receive emails and text messages. I had another phone, and I also received phone callsevery day at different times. What I want to make clear is that they constantly send me emails demanding payment, which causes me stress, as at the moment I can only make minimum payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This complaint is regarding IC System , Inc., which is attempting to collect a debt that I do not owe. This alleged debt was reportedly purchased from XXXX. However, this debt is not mine. I have confirmed directly with XXXXt that I do not owe any balance. During a recorded call, a representative explicitly stated that my account has a XXXX balance and that no collection account should exist or be reported. I informed IC System, Inc. that I am not indebted to XXXX and did advise them to contact XXXX directly to verify the account status. Despite this, IC System , Inc. has continued collection efforts and has failed to properly verify the debt. Additionally, XXXX has already investigated this account and removed it from my credit report after determining that the debt is not valid. However, the account continues to be reported by XXXX and this strongly hinders my credit. Furthermore, I never received any written notice from IC System, Inc. informing me that they had purchased or were attempting to collect this alleged debt. I was not provided with any validation notice or information regarding my rights to dispute the debt. As a result, I was not given a fair opportunity to dispute or this matter before it was reported on my credit file. IC System , Inc. is attempting to collect on a non-existent debt after being notified that the debt is not mine. Their actions include continued collection attempts, failure to provide required written notice, and inaccurate credit reporting. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), including failure to provide proper validation notice, as well as the Fair Credit Reporting Act ( FCRA ) for reporting inaccurate information.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/year>, I met an individual in person near his home then we went to his business and I sent a {$1000.00} XXXX deposit for services two days later. Immediately after receiving the funds, the recipient engaged in a pattern of deceptive behavior, offering fraudulent excuses ( e.g., " his country is being bombed, '' " doesn't like waking up early '' ) and skipping scheduled appointments, including leaving me waiting for 1.5 hours. No services were ever performed. I reported this as a " Theft by Deception '' scam to Navy Federal and explained I could provided a police report and text messages by me and the recipient. Navy Federal denied my claim within 24 hours, stating the transaction was " authorized '' and that " XXXX is treated like cash. '' Reason for Complaint : The bank failed to conduct a meaningful investigation into the fraudulent inducement of this payment. They issued a boilerplate denial without reviewing my evidence of the scammers bad-faith excuses and non-performance. I am requesting a {$1000.00} credit, as this was a criminal conversion of funds, not a standard business dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
We can not contact anyone in person or online at Rocket Mortgage to get our account information on two loans. We need the amortization reports on both of our loans ( two different loans at two different addresses ), principle amount left on both loans. When we finally did get someone after over 45 minutes of holding on the phone, they told us they can not help us at all with our request and told us we need to use the online service only. We have tried many times to follow the reps directions to access our account information. We would repeatably input our information into the online loop request for access to our loan info but rocket mortgage can not associate the account numbers to the information correctly and retrieve our information for what ever reason. We were told that each of our accounts needs to have a separate email address to access the info. We tried to set up another account that also failed to provide the access we need. Customer service rep who did finally answer our call was NOT helpful but unhelpful, argumentative, disrespectful, uninformed and then placed us on hold when we asked to speak to a manager for help and they disconnected our call to speak to a manager. They should not keep asking customers to service themselves online when they can not grant easy access to that information especially after it has been verified that I am the customer, they do not provide easy to use directions to access our account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I canceled my XXXX XXXX membership in person at the front desk at their location on XXXX XXXX and XXXX XXXX in XXXX XXXX, NY. I was told I could cancel anytime. Despite canceling, I am now being contacted by Aldous & Associates claiming I owe a past due balance. This debt is not valid. I canceled properly and do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Under my XXXX XXXX XXXXXXXX XXXX XXXX XXXX account, XXXX charges were debited on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, that was not my XXXX XXXX XXXX He has no clue how to order online and never has. I do his ordering. I called Capital One on XXXX occasions, starting XX/XX/XXXX, after my XXXX complained that his money was much less than what I transferred to him. On all XXXX calls, I was transferred multiple times. Each time I was sent to the wrong department. Not XXXX of the reps I spoke with, could barely understand XXXX, nor could they properly speak it. It was like I was talking to noone at all. I got nowhere on any of these extremely tedious, very long calls. The XXXX time I called, I started off asking to be immediately transferred to an XXXX speaking corporate member. They did not comply. I then told them to CANCEL HIS CARD and asked for a legal form to fill out for disputes. They could not comply, nor did they even seem to understand anything I spoke. Charges on XX/XX/XXXX was from " XXXX '' for {$10.00} - on XX/XX/XXXX was from " XXXX XXXXXXXX XXXX for {$9.00} - XX/XX/XXXX was from " XXXX '' for {$15.00} ( my ONLY XXXX account does not have a charge for this amount ). My XXXX only uses his card for snacks, food, waterice etc & only in person. This could of only been for XXXX dispute if they'd of simply CANCELLED my XXXX XXXX card, that I begged them to do on the XXXX call - XXXX fraud transaction! Capital One owes my son {$36.00}, in which I am requesting.

Company response to consumer: Closed with explanation