vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Global Lending Services ( GLS ) for account number XXXX. This account was previously subject to delinquency ; however, it was later reinstated, brought current, and ultimately paid in full. After the payoff, GLS issued a refund check to me for an overpayment on the account. The correspondence that accompanied the refund explicitly states that my financial obligation has been satisfied in full. Despite this, GLS continues to report the account as a charge-off on my credit report. A charge-off indicates a loss due to nonpayment, which directly contradicts the fact that the account was paid off and that a refund was issued. These two positions can not both be accurate. I previously disputed this matter directly with GLS. In their response dated XX/XX/XXXX, they stated that the account was charged off on XX/XX/XXXX and that their reporting is accurate. However, this response fails to address the documented evidence showing that the account was later resolved and satisfied. Because the account was reinstated, brought current, and paid in full, any prior delinquency was cured. Reporting the account as a charge-off is therefore inaccurate, misleading, and does not reflect the true payment history. I am submitting supporting documentation, including : A copy of the refund check issued by GLS Correspondence confirming the account was satisfied in full GLSs response letter maintaining the charge-off status Under the Fair Credit Reporting Act, information reported to consumer reporting agencies must be accurate and not misleading. The current reporting does not meet that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Regions Bank regarding an account hold, lack of reasonable verification options, and refusal to process account closure without an in-person branch visit. On XX/XX/year>, I initiated an external transfer of {$1100.00} from my Regions checking account to my Bank XXXX XXXX account ( see Attachment # XXXX ). On XX/XX/year>, I confirmed that the {$1100.00} was successfully debited from my Regions account ( transaction labeled XXXX XXXX XXXX ) and credited to my XXXX XXXX XXXX account. On XX/XX/year>, I discovered that my Regions checking account had been placed on hold. When I contacted customer service, I was informed that I must visit a branch in person to complete the verification process. ( Please see the attachement # XXXX ). I explained that I am unable to visit a branch because the nearest Regions Bank location is over XXXX miles away. I asked whether alternative verification methods were available, such as submitting identification documents electronically or completing verification remotely. I was told that no alternatives are available. Because I can not be physically present at a branch, I requested that my account be closed, as this appears to be my only option. However, I was again informed that account closure also requires an in-person visit. I specifically asked whether accommodations are available for customers who can not travel long distances or who may have XXXX that prevent in-person visits. I was told that no such accommodations exist. Additionally, this situation caused a disruption affecting my XXXX XXXX XXXX account ( see Attachment # XXXX ). The issue with XXXX XXXX XXXXXXXX has since been resolved over the phone with their fraud team, and it was confirmed that the issue did not originate from XXXX XXXX XXXX but is related to Regions Bank.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX, Wells Fargo Bank , N.A . executed a " Legal Recovery Setoff '' of {$7000.00} against a joint savings account. The transaction is identified on the account record as " XXXX XXXX XXXX XXXX. '' I am the non-debtor joint account holder. The setoff was applied toward a consent judgment that was entered against my spouse alone ( Wells Fargo Bank , N.A . v. [ debtor ], XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). I am not a party to that judgment. I was not served, did not consent, and have no liability under it. On XX/XX/XXXX, my {$8300.00} annual performance bonus from my employer was deposited into my checking account, and {$8300.00} of that bonus was transferred from my checking account into the joint savings account on the same day. This is a documented yearly bonus paid to all employees of my company based on individual and company performance. Between the bonus deposit on XX/XX/XXXX and the Wells Fargo setoff on XX/XX/XXXX, the closing balance of the joint savings account never dropped below {$8500.00}. At no point during that period did the balance fall below the {$7000.00} amount Wells Fargo seized. Under the lowest intermediate balance rule, the entirety of the funds Wells Fargo seized is traceable to my bonus deposit. XXXX law strictly limits a bank 's right of setoff against a joint account to the debtor 's beneficial interest as determined by net contribution. Under XXXXXXXX XXXX XXXXXXXX. XXXX, a joint account " belongs to the parties in proportion to the net contributions by each to the account. '' Under XXXXXXXX XXXX XXXXXXXX. XXXX, a financial institution 's right of setoff against a multiple-party account is limited to the debtor 's beneficial interest. The XXXX Supreme Court held in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), that " a bank has no right of setoff against the beneficial interest contributed by a nondebtor depositor. '' The funds Wells Fargo seized were my net contribution as a non-debtor depositor. Wells Fargo had no right under XXXX law to set off against those funds. The setoff violated XXXX statutory law and binding precedent. A research case has been opened with Wells Fargo customer service. A formal written demand for return of the {$7000.00} was sent on XX/XX/XXXX to the law firm representing Wells Fargo as counsel of record on the underlying judgment, requesting return within XXXX days. As of this filing, Wells Fargo has not responded substantively or returned any of the seized funds. The savings account is also used to pay our household mortgage, making this an essential household account, not a savings reserve.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: PA

Complaint narrative:
This is the information XXXXXXXX XXXX told me they have on their records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX Email : XXXX Social Security Number : not given My social security number does not match their record TOTAL AMOUNT : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: TX

Complaint narrative:
I have contacted the collection company and ask for proof of ownership for this debt. I also disputed this debt on all three credit bureaus. The collection company continues to call and report this on my credit report, but is unable to provide ownership of this debt or provide any proof that it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Capital One on a recorded line and requested a full cancelation of my account including all fees and charges. I paid any remaining balance and cut up my credit card. On the morning of XX/XX/XXXX Capital One directly stole between XXXX XXXX {$300.00} for no apparent reason. After contacting them I was told that I was still enrolled in an autopay system and they had to look into it to see where my money went. I am currently waiting 10-20 days for a response. I have been robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: NJ

Complaint narrative:
I had an inactive account with XXXX that I had not used. I received an email from the company stating that I had remaining funds in the account. Based on that communication, I accessed my account solely to withdraw those funds and connected my bank account for that purpose. During this process, I was charged a {$15.00} fee. At no point was this fee clearly and conspicuously disclosed to me prior to being charged, nor did I knowingly enroll in or agree to any subscription or paid service. I contacted XXXX to request clarification, documentation of any agreement to this fee, and a refund. The company did not provide adequate documentation showing that I affirmatively consented to the charge and refused to issue a refund. I believe this fee was charged without proper disclosure or informed consent and constitutes an unfair and deceptive billing practice. I am requesting a full refund of the {$15.00} charge.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: PA

Complaint narrative:
This company completed a XXXX XXXX and is repeatedly calling distant relatives that share my last name. They called an uncle 3 times while he was at work. They told him that he was listed as a reference, which was a LIE! I know they can only call one time if they dont have a current address or phone number for me. SAllie MaE had both for me. They are also repeatedly calling relatives employers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing a complaint against Midland Credit Management , Inc. for failure to validate an alleged debt and for continued improper collection activity. On XX/XX/year>, I sent a written dispute requesting full validation of an alleged credit card debt originally associated with XXXX XXXX XXXX. This dispute clearly requested the complete chain of title, the original signed agreement, an itemized breakdown of the balance, and the date of last payment to verify the statute of limitations. This letter was delivered on XX/XX/year>. As of today, the company has failed to respond and has not provided any of the requested documentation. Despite receiving my dispute, Midland Credit Management has not validated the debt and has not demonstrated that they have the legal right to collect it. Their failure to respond and provide validation places them in non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and applicable New York State regulations. Additionally, any continued collection activity or credit reporting without proper validation and without marking the account as disputed may constitute violations of the Fair Credit Reporting Act ( FCRA ). I am disputing the validity, ownership, and amount of this alleged debt. Until proper validation is provided, this debt remains unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Chime Financial Inc
State: VA

Complaint narrative:
I looked up phone # for the XXXX official website I called that # requesting a label for a return a man with a foreign language calls me thru a XXXX call and I hung up, he then calls me again and says asks me to pick up the XXXX call, I thought we were going to be talking face to face but he assured me it was not but then I noticed he was guiding me where to go with swipes and what not and next thing I know in the end of call he sends me what I already had from XXXX in my XXXX and told me to delete that # but I didnt and then I felt a strange and strong bad feeling and to my surprise when I opened up my chime account XXXX XXXX was gone from my chime account. The following phone numbers that I have are ( XXXX ) XXXX with the name XXXX, XXXX another # involved was the actual XXXX number is XXXX ( XXXX ) XXXX XXXXXXXX XXXX is where this # was called from. I was under the impression that he was guiding or helping me get the return label from The company XXXX that I Thought he worked for but instead it was through an app called XXXX which I was told to download it. I immediately called my bank Chime and they informed me that this money of mine XXXX XXXX was still pending and there was nothing they could do and that it would be an investigation which could take up to 90 days it wasnt but a few business days later and denied me and I was shocked, they advised me that I needed more evidence, well this was a XXXX XXXX remote access screen sharing call Ive never heard of this. Ive tried to talk to someone several times to please reopen this because I did not purposely make this big transaction. This occurred on XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute on my Apple Card account ( issued by Goldman Sachs ). I disputed a charge for merchandise where the merchant refused to accept a return based on a final sale / no-return policy that was not clearly disclosed at the time of purchase. The item was discounted, but there was no indication on the product page or during checkout that the item was non-returnable or final sale. The only reference to this restriction appears buried within the merchants return policy page, which I was not required to acknowledge prior to completing the transaction. Because this material limitation was not clearly or conspicuously disclosed before payment, I did not have reasonable notice that the item could not be returned. I attempted to return the item promptly, but the merchant refused to accept it. Goldman Sachs denied my dispute on the basis that I did not return the merchandise in time. This is incorrect. I was not able to return the merchandise at all because the merchant refused to accept a return. My dispute should have been evaluated as a failure to disclose material terms or misrepresentation, not as a failure to return merchandise within a specified timeframe. I am requesting that Goldman Sachs : Reopen and properly evaluate my dispute under the correct reason code, and Provide a detailed explanation of how the merchants disclosure met applicable standards for clear and conspicuous notice of a no-return policy. I have supporting documentation, including screenshots of the checkout process showing no disclosure of a final sale condition, and written confirmation from the merchant refusing the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint as a victim of fraud involving a wire transfer handled by Citibank. On XX/XX/year>, I sent {$8100.00} via wire transfer to an individual named XXXX XXXX. This transaction was not made under legitimate or informed circumstances. I was deceived and manipulated by individuals who falsely presented themselves as trustworthy or legitimate, which caused me to send the money under false pretenses. I did not intend to willingly send money to a scammer. My authorization was obtained through fraud, deception, and psychological pressure. At the time, I did not understand that I was being scammed. I reported this incident to Citibank on XX/XX/year> ( Case Number : XXXX ). However, Citibank concluded that the transaction was authorized and denied my claim. I strongly disagree with this determination. A recall request was submitted, but I was later informed that the funds had already been withdrawn. I request clarification on what actions were taken immediately after my report and whether all possible recovery efforts were properly pursued. This situation meets the definition of fraud, and I believe my case was not properly handled under consumer protection standards. I respectfully request a full reinvestigation of my claim, a detailed explanation of the decision, and assistance in recovering my funds. This has caused me significant financial loss and emotional distress, and I am seeking a fair resolution.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Asked for information on the debt and theye said they dont have any debt with my name or SS # in there office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
i was charged on my credit XXXX dollars for a account that i never had

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
we have a large mortgage with XXXX XXXX serviced by XXXX XXXX . They will transfer our loan XX/XX/year> to Rocket Mortgage. starting XX/XX/year> we filed all the paperwork necessary for a partial property release. a request initially for {$250.00} to process, this was paid. Weeks later we were asked for {$500.00} to process this request. All documents/paperwork was submitted electronically with PDF as requested. NO one will call us, and there is email response when we have asked why this has not been released. The title companys lawyer is now involved. he sent everything certified mail as well as electronically. still no response. without a property release, we can not start building on the released XXXX acre portion. it has been deeded and recorded with the county. it was surveyed. it is ready for everything but the new mortgage company can not release funds until the XXXX acre portion is out of our names. we have been frustrated with XXXX XXXX lack of response and concern over this important matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Remitly, Inc.
State: FL

Complaint narrative:
I was awaken early last week by a text from my bank that unauthorized transactions took place. {$800.00}. {$70.00}, {$70.00}, {$70.00}, {$90.00}, {$90.00} & {$90.00}. The {$90.00} & {$70.00} charges were reversed but XXXX XXXX XXXX ( recipient ) got the {$800.00}. Remitly told me they couldn't assist me. This is unethical and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: OK

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation