vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This complaint deals with an additional charge I received after paying off an amount as identified in the vehicle payoff letter during a refinancing of my vehicle. XXXX XX/XX/XXXX - Requested 10 day payoff letter from Wells Fargo to pass to XXXX XXXX XXXX XXXX XXXX as part of refinancing effort. Received payoff letter stating payoff amount was good until XXXX XX/XX/XXXX. Check was XXXX 'd by XXXX XXXX XXXX XXXX XXXX ( see tracking attachment ) and was received and signed for on XXXX XXXX at XXXX XXXX by Wells Fargo. XXXX XX/XX/XXXX- received a new letter from Wells Fargo stating the payoff was short and they wanted {$180.00} more than the payoff letter. Numerous phone calls received only a statement that " more interest was due ''. In order to ensure my credit and new financing was not negatively affected, I paid the {$180.00}. After this, I sent two letters ( XX/XX/XXXX and then again on XXXX XX/XX/XXXX ) with questions, documents, and requested a refund on the basis of the payoff letter ( otherwise what good is a payoff letter? ). I received no response to either letter. Based on this lack of an understandable explanation during the first dialogue with Wells Fargo and subsequent silence in response to my two additional letters, I am reaching out to you for assistance. Your help would be greatly appreciated in this matter.

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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
I am filing a complaint against a dealership for deceptive and unfair business practices related to a vehicle purchase. On XX/XX/year>, I entered into a contract for a vehicle. During the signing process, I specifically asked the finance manager XXXX whether an extended warranty was included in the vehicle purchase. I was clearly told that it was included at no additional cost. This interaction is documented on the dealerships camera system. After leaving the dealership, I later received notice that my monthly payment had increased. I was never informed of any additional charges, nor did I consent to adding an extended warranty or any increase in payment. Additionally, the finance company listed on the contract later rejected the loan. This indicates that the transaction was not properly finalized. Despite this, the dealership has retained possession of my trade-in vehicle and is now claiming I owe money for alleged repairs that were never authorized or performed. I believe this constitutes : Misrepresentation of contract terms Unauthorized addition of products/services Failure to properly disclose financing terms Unlawful retention of my trade-in vehicle I am requesting : Immediate return of my trade-in vehicle, or full value credited Cancellation of the transaction due to lack of valid financing Removal of any financial obligation tied to this contract I have supporting documentation, including contract paperwork and evidence of communication. I request a formal investigation into this dealerships practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
For the last 11 years, my husband and I have been charged overdraft fees for things that were already paid for instead of the one thing that made the account go into the negative and now Im requesting that the overdraft fees be refunded from the last 11 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
They keep assessing late charges even though I am still within the time frame of no fees. They do this all the time. Also, on their webpage it is impossible to find a digital copy of your statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I am disputing a collection account reported by Credence Resource Management that I do not recognize and do not believe belongs to me. This account is reported as originating from XXXX with a balance of approximately {$810.00}. I do not have and have never had an account with XXXX, and I have no knowledge of this debt. Additionally, this account is not being reported consistently across all three credit bureaus. It appears on some credit reports but is completely absent from others, which raises serious concerns about the accuracy and validity of the information. If this account were accurate and properly verified, it should be reported consistently. The inconsistent reporting strongly suggests that the account may be inaccurate, misattributed, or the result of a mixed file. I disputed this account, but it continues to be reported without sufficient verification that it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I lost my wallet and phone prior to being XXXX and when I was released 2 days later my account had been cleared out. I immediately contacted the bank and cancelled my card and reported the fraudulent activity. Originally they put the claim in for the wrong amount. It was denied. I put it back in and it was denied so I appealed and submitted paperwork showing I was XXXX. I was promised twice of a set date for a provisional credit and when I contacted a supervisor today after both dates coming and going and was told it could be another 90 days and that I cant prove I didnt give my card to anyone. Of course I didnt give my card to anyone.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited {$30.00} into my account and a XXXX XXXX. I read through the tutorial and they did not disclose that there was going to be a fee after I deposited the {$30.00}. I looked at my balance and I noticed it did not have like the full amount and I went to my transactions history and I noticed that they XXXX out of my deposit I wasnt able to communicate that I want my money back until XXXX days later because I had gotten busy during that time. Today is now. XX/XX/XXXX I finally got in a route to message them and Ive been told that its not negotiable and I cant spew it and when I asked where was the feed is closed they sent me a link to a article about cash deposits and when I asked to be it be put on the app they just told me thanks for the feedback. They knew what they were doing. They knew what they were doing was wrong and they still chose to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
Today XXXX XXXX i asked to get a remainder of my debt from Credit Counsel Inc. I advised that I was unable to pay back due to work related injury and I was willing to schedule a payment for XX/XX/XXXX. I had been in communication with a debt collector named XXXX XXXX. Today I was emailed back from XXXX XXXX who responded like this : My concern is, after reading the collector notes, is you have broken multiple arrangements over the last several years. You have proven to be extremely unreliable and have taken multiple peoples time up with your failures. I will only accept {$450.00} paid in full. Maybe you should consider hiring an Attorney. I called their office at XXXX And proceeded to be spoken to in a belittleing and condescending manner and very rudely. He so much as to mocked the amount of debt owed. And he then hung up on me. I called again and he continued to speak to me in an absurd tone and made fun of me, as to why i couldnt pay, didnt have family or credit cards. That his services were not customer service but collecting a debt. He told me to put all my energy into getting a job and making money and then hung up on me again. All while I kept explaining to him that although I was unable to make previous payments I was still trying and making the efforts to pay my debt.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I accidentally sent money to the wrong account through Chime. The recipient has not returned the funds. I immediately contacted Chime and filed disputes, but they denied my claim and appeal without recovering the money. This is an unauthorized recipient retaining funds sent in error. I am requesting that Chime assist in recovering the funds or take further action. But both of my claims were shut done and told to be no error, and that they will not help me I had also tried to request the money back form the person it was sent to but all attempts were not seen or the person is choosing to not look at my attempts to communicate the mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
After seeing the account go negative and a note saying it was closed I went to my local Chase Bank location to inquire about it and found that Chase Bank allowed another fraudulent check to be cashed in my name at the branch located at XXXX XXXX XXXX XXXX XXXX, GA XXXX in the amount of {$2000.00} which is why the account went negative {$80.00}. The " account closed '' note referred to the one that the check was being paid from and my account was still open. After reviewing the account further, we found the branch location where the check was cashed, and it was one of the branch locations that fraudulent checks were cashed in my name previously. This branch is located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. My local branch manager called that branch and spoke with the branch operations leader and found that the thief tried to cash a check that morning and was forced to deposit it at XXXX. According to the branch operations lead, the thief had a South Carolina driver 's license and was able to provide them my new checking account number, which was not accessible from anywhere. I don't know how he got that information ; but after that call, the fraud department was notified, a new reimbursement claim form was submitted for the amount of {$2000.00}, and the new checking account was closed for good to prevent further fraudulent transactions. Note : This transaction was allowed to happen despite the account in the system having alerts everywhere NOT to allow any transactions against the account outside of my local branch. The tellers ignored the alerts and allowed it anyway. Now the total reimbursement owed to me is {$9800.00} + {$2000.00} = {$11000.00}. The fraud department said since the account is now closed, they will issue checks for the reimbursement and I should expect them in 7-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: SC

Complaint narrative:
My mortgage was sold to PNC from XXXX at the start of 2026. I've had no issues with my mortgage until the switch and since the switch have had constant issues and have spoken with customer support 6 times now. Today is the XXXX time I've called to company to get my auto-draft take out bi-weekly. The first 2 times I submitted the paperwork and nothing happened the following month. they tried to charge me late fees for it, but finally removed it after several complaints. On the third attempt to set up auto-draft, they informed me I would need to pay XXXX month up front. I was hesitant to, but paid another full month of mortgage on XX/XX/XXXX and again another full mortgage XX/XX/XXXX. Today, XX/XX/XXXX I realize my auto-draft was STILL not taken out, so I called again and now am being told I need to pay another 3 months of my mortgage to get this set up. There staff is incredibly unhelpful, pushes you around and doesn't follow through on request. I really have not experienced this level of unprofessionalism and lack of follow through with a financial institution and from reading reviews online, it looks like I'm not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I did a balance transfer with XXXX XXXX. They transferred {$3700.00} to Comenity Bank XXXX XXXX. Comenity never credit me for this payment. Which paid the balance in full. XXXX XXXX gave me information on the transfer ( attached ). XXXX XXXX told me that Comenity bank needs me to contact them. Which I did and gave them the letter from XXXX. Comenity will not accept this information or check their system for this payment. I am currently paying both banks for this one payment. Can you please also contact XXXX XXXX as they have not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am writing to formally request a reconsideration of my dispute regarding an unauthorized transaction on my account. In XX/XX/year>, my card was charged {$2900.00} for an online purchase with XXXX. I only became aware of this transaction recently when my accountant, while preparing my tax return, asked me to clarify the nature of the purchase to determine whether it was deductible. I informed her that I do not recognize this transaction. I would like to emphasize that I have not purchased any XXXX hardware, such as computers or devices. All of my mobile devices are obtained through my XXXX XXXX XXXX account, and my typical XXXXrelated expenses are limited to small charges for business-related applications. The amount in question is significantly higher than my usual transactions and does not reflect my purchasing behavior. After discovering the charge, I promptly visited my bank and filed a claim. However, I received a response stating that the transaction was considered similar to previous authorized activity on my account. I respectfully disagree with this conclusion, as the amount and nature of this charge are clearly inconsistent with my normal usage. I have also attempted to resolve this matter by phone, but have experienced repeated transfers and extended wait times without reaching a resolution. Given these circumstances, I kindly request that you reopen and thoroughly review my claim. I would also appreciate any additional information or documentation you relied upon in determining that this transaction was authorized. I am hopeful that this matter can be resolved promptly. However, if necessary, I am prepared to pursue further action, including filing a claim in small claims court. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Someone opened up a Mobile account without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
I have XXXX collections on my credit report from XXXX agencies XXXX from national credit systems to pay to XXXX XXXX XXXX which was the original debt collector for {$370.00} and the second agency is XXXX XXXX XXXX and pay to XXXX XXXX XXXX for {$370.00}. I called today to national credit systems and they told me that I had to pay in full and that they dont know who the other collections agency was. Then I called the XXXX XXXX and they told me the same thing, they are reporting twice and are asking me to pay twice. They were both rude and didnt want to help me understand who owns the debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union concerning the denial of my request for a credit limit increase based on reported delinquent. I submitted a request for a credit limit increase with Navy Federal Credit Union. I was informed that my request was denied due to my account being delinquent. I dispute the fairness and clarity of this decision for the following reasons : Any prior delinquency on my account was due to my account being compromised. When my account was compromised, I was not informed the auto pay would be removed. I had auto pay setup for my XXXX XXXX XXXX XXXX XXXX payments. My XXXX XXXX was set up for my checking account. I noticed several times NFCU pulled money from my savings account instead of my checking account. This is despite not getting my consent. However, when it comes to account XXXX account, they never pulled the money from my savings account. Despite the funds being available. Instead, they allowed my account to go past the due date. Once I noticed in the application of a payment overdue for account XXXX. Upon the discovery I made my account current immediately. The account in question has since been brought current. Navy Federal Credit Union did not provide sufficient detail regarding : The specific dates of the delinquency referenced How relevant delinquency is to my current creditworthiness I am concerned that the decision relies on my XXXX claims with NFCU. Which does not adequately factor my financial standing. As a long-standing member providing service for over a decade to NFCU and after suffering from NFCUs data breach. I have been loyal. As advised, a police report and FTC were made aware of my identity theft. This has been a huge financial hardship for my credit score. I have XXXX identity theft issue placed on my credit file from the NFCUs data breach. NFCU allowed the criminal to steal my information twice in 6 months from their unprotected data files. My issues occurred after the Data Breach. I am entitled to a clear, accurate, and transparent explanation based on Fair Credit Reporting Act and general consumer protection principles. Thank you for your time and attention to this matter. I appreciate Consumer Financial Protection Bureau efforts to ensure transparency, accuracy, and fairness in consumer financial decisions. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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