vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was rear ended XX/XX/year> and my car was a total loss. XX/XX/year> I contacted TD auto finance to get a payoff amount. This was valid until XX/XX/year> and the amount of {$31000.00} ( screen shot provided ). On XX/XX/XXXX my insurance had to pay off my car at that time. They contacted TD auto and they gave them the amount of {$32000.00} which is an increase of {$490.00}. At that time, I also made a payment so my credit would not get hit for a late payment in the amount of {$790.00}. Making an increase amount of {$1200.00} not including the gap credit amount of {$480.00} which was provided to me on their TD letterhead by the dealership I purchased my vehicle from stating they have credited my account for the GAP refund of {$480.00}. At this time, I reached out to TD auto finance in reference to these issues and the confirmation that the gap was refunded. I was told that it was so I asked for proof, I received a statement 24 hours later that had gap listed, however the credited amount was XXXX. I am on my fourth call in two weeks trying to confirm what the situation is and why I have not been refunded the full amount of {$1700.00} not including the daily interest from XX/XX/XXXX to XX/XX/XXXX. I have only received one check at this time for the amount of {$300.00}. At this time, I am now waiting for a supervisor to contact me since everybody else has not given me any answers other than that it hasnt been applied as a rebate check, but can not give me any confirmation as to where that is referenced as my statement shows increased amounts and gap refund of XXXX dollars. I would advise everybody to not use TD auto finance as their reviews online are factual and they do not give answers only persuade you to believe that they are correct with no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
While making a purchase at Best Buy the salesperson persuaded me to apply for a Best Buy credit card. I did not want or need a BB credit card, but the financial incentives made it appear attractive. I never received the card or the account statements for the first few months as they were sent to the wrong address. When I was finally notified by phone/text the account had interest and penalties and I learned the card had been returned to Best Buy due to not being deliverable at the delivery address used ( I was also not able to set up an online account without the card information and still do not possess a BB credit card. Cards and statements should have been sent to my mailing address. ). I noted the errors to CITIBANK DBA BEST BUY CREDIT SERVICES and was ignored. I contacted the CFPB ( Case # XXXX ) and an agreement was reached ( or so I thought ) by which the statement balance would be corrected to {$1400.00}. I received a letter from CITIBANK dated XXXX XXXX, XXXX confirming the account balance would be corrected to this amount and a letter from BEST BUY CREDIT SERVICES dated XXXX XXXX, XXXX also confirming the account balance would be corrected to {$1400.00}. The account statement still shows a balance of {$1500.00} and I have received numerous collection calls and threats to my credit. I called BBCS today in an attempt to resolve this dispute and was told the balance was {$1500.00} and BBCS knew nothing of any agreement to correct the balance to {$1400.00}. I would like to pay the {$1400.00} as agreed upon to resolve this dispute and never hear from or do business with CITIBANK or BEST BUY again.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Company discontinued service with XXXX XX/XX/XXXX. They are trying to collect for XX/XX/XXXX to XX/XX/XXXX. For {$220.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
This correspondence shall serve as a formal litigation demand regarding Goldman Sachs Bank USAs handling, suspension, and ultimate closure of my Apple Card account, which has resulted in significant financial harm, reputational damage, emotional distress, and measurable credit impact. On or about XX/XX/XXXX, I received a validation letter referencing the Apple Card Terms and Conditions. I have thoroughly reviewed these terms and have also conducted an extensive independent review of all account activity occurring between XX/XX/XXXX and XX/XX/XXXX. This review confirmed that there were no findings of fraudulent misuse, gaming behavior, reselling activity, or violations of Apple Cash program rules that would justify account termination. At all times, I utilized the Apple Card as a normal day-to-day consumer and complied fully with program requirements. Despite this, Goldman Sachs prematurely suspended and/or closed my account without meaningful notice or a properly documented investigative outcome. Furthermore, the manner in which this closure was communicated and subsequently reported caused a material drop in my credit score of more than 30 points, damaging my financial standing and credibility. I was forced to independently investigate disputed transactions with legal assistance, ultimately securing merchant refunds without further escalation. This demonstrates that the underlying issues were resolvable and did not warrant punitive account action or adverse credit treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I submitted a credit card billing dispute to Wells Fargo regarding a service that was not provided as expected. The original disputed transaction was approximately {$3300.00}. A {$1000.00} security deposit was later refunded by the merchant, leaving approximately {$2300.00} still in dispute. Wells Fargo initially requested additional information to support the Mastercard dispute. I timely provided that information by phone, including the transaction background, the last-minute unit change by the merchant, the reason for early departure, the dates involved, the method and timing of my contact with the merchant, the merchants response, and a message from the merchant claiming that a refund had been processed. Despite my having provided the requested information, Wells Fargo later closed the dispute and stated in writing that Mastercard required specific information from the cardholder and that those requirements had not been met. That was inaccurate based on my repeated calls and the information I had already provided. After that closure, I made multiple additional attempts to contact Wells Fargos disputes/claims department. Those efforts were difficult and unreliable. Calls were dropped, routing failed multiple times, and at one point I received a technical error message after a prolonged hold. Wells Fargos online portal also continued to indicate that they were waiting for my call, even though I had already called and provided the requested information. On a later call ( XX/XX/year> ), a Wells Fargo claims representative reviewed the file and told me that the dispute was being reopened, that the necessary information was already present, and that the dispute amount would be adjusted to reflect the {$1000.00} deposit refund, leaving the remaining disputed amount at approximately {$2300.00}. I was told the same dispute number would remain in place and that the matter should proceed to claim owner for resolution. However, despite those representations, I have received no written confirmation that the dispute was reopened, no updated correspondence, and no visible status change in my account. As of XX/XX/year>, my Wells Fargo account still shows that the claim was closed on XX/XX/year>. From my perspective as a consumer, Wells Fargos statements about the status of the dispute were materially inconsistent and appear to have been inaccurate, which prevented me from understanding the true status of my billing dispute and impaired my ability to protect my rights

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
Mohela was my student loan servicer during XXXX XXXX, XXXX. Several times during XXXX, primarily during XX/XX/XXXX, I attempted to call Mohela in order to make a large payment on my student loan. I was on hold each time for more than XXXX minutes. Later in the year I was no longer able to make a payment due to financial difficulties and I also had given up on trying to reach Mohela. I had planned to enroll for classes this Spring. I was unable to enroll because my loans are in default. If I had been able to make even XXXX payment with Mohela my credit would not be suffering from the loan and I would be able to enroll in school. Last week I read about a lawsuit against Mohela that included the issue of their long wait times compared to other services. I didn't think that this might be happening to other people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
b'Identity Theft/ Identity Verification XXXX XXXX XXXX XXXX XXXX\n\nTo All: I am sending this email to all of you in the hope that I can get resolution to the urgent subject noted above. I will attempt to be brief and will describe in numbered points\n1) XXXX alerted to suspicious activity on card. Requested card to cancelled and new card sent to XXXX XXXX XXXX XXXX XXXX, MA XXXX\n2) Never received card as hackers of my phone changed address.\n3) XXXX when I did not receive statement. I called and was alerted that card was blocked and needed ID verification for fraud claim submission\n4XXXX XXXX faxed requested docs to Security Team. Called and was told a document was missing\n5) XXXX, faces second set of docs and on call was told on call that docs could not be read.\n6) XXXX, mailed third set of docs, and on call was told docs were not readable, and to send again\n7) XXXX mailed fourth set of docs, and have not been received by Barclays as of this email.\n\nI have made many calls to the Security Team and speak to a different person each time, and receive different answers to which docs are unverifiable. I acknowledge up to XXXX of debt balance at 0% due to interest rate promotion. My balance is now approx XXXX as Barclays allowed hackers to increase credit limit and change mailing address. As of this writing I am not allowed to make payments, lapsing promo interest rate and triggering interest payments on the higher fraudulent balance. I have requested a manager call me back to review, but nobody has ever called.\nMy request is one of you will look into this matter and respond to me as this is urgent. If you wish to respond, please do, or call me at XXXX XXXX\nThanks for your attention to this matter.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX

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 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I was angry and in a fight with girlfriend and thought I was going to need a place to stay for a while so I went shopping for any means to get a loan. I'm doing so I found XXXX and accepted in a hurry without seeing the absurd amount of interest. I've recently undergone XXXX treatments and my thinking is somewhat foggy. I received the loan on XX/XX/year>. The principal loan value was {$1300.00}, my balance is {$6300.00}, I should've paid more attention but thought a loan with this kind of interest would be considered predatorial. I'm on XXXX and simply can not pay the installments of {$520.00} per month. Please advise if there is anything I can do about this situation. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
At the end of XX/XX/2026, I applied to refinance my car from Ally Bank to another lender. Completed all paperwork and the new lender sent a check on XX/XX/2026. Ally never received the check ( they said ) so on XX/XX/XXXX, the lender issued a new check in the same amount to Ally. The first check was " found '' and deposited but since it was canceled by the lender it was rejected. The new check arrived shortly after being mailed on XX/XX/2026, but I learned today ( XX/XX/XXXX ) that the check wasn't for the full amount ( it was for the full amount effective XX/XX/XXXX ) and it was mailed to me. This company has done everything possible to avoid this refi and I have spent hours at this point on hold only to be transferred to voicemail because every person at their call center is incompetent. All I want is for Ally to close my account so I never have to deal with their auto lending again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I purchased a {$130.00} XXXX XXXX gift card in XX/XX/year> using my Chase credit card. After the purchase, XXXX XXXX went out of business and the location was taken over by XXXX & XXXX. When I attempted to use the gift card, I was told it would not be accepted. I also attempted to contact XXXX XXXX corporate, but I was unable to get a response. I disputed the charge with Chase because the merchant-specific value I paid for became unusable and I could not redeem the services tied to that gift card. Chase denied the dispute after the merchant provided documentation showing that the gift card was sold. My issue is not whether a gift card was physically issued. My issue is that the value I paid for could not be used for the intended services because the merchant-specific gift card became unusable. Chase treated proof of sale of the gift card itself as full fulfillment, even though I was never able to redeem the underlying services or value. I am submitting this complaint because I believe Chase handled the dispute too narrowly and did not fairly consider that the purchased value became unusable.

Company response to consumer: Closed with explanation