vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I made a over payment of {$1000.00}. I immediately called Wells Fargo credit card service at XXXX. To in form them of the overtime payment. The representative said they would do adjustment-payment for the over payment. See below. ONLINE PAYMENT THANK YOU # XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX + {$1000.00} ADJUSTMENT-PAYMENTS # XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX {$1000.00} Begin XXXX Purchase Mode NOT AVAILABLE On XX/XX/XXXX I called to verify that the payment adjustment was processed. A different representative said she could take care of it immediately and processed a payment refund {$1000.00}. She did this without canceling the adjustment payment that had been placed in process the day before. So, my card was charge twice for the one issue. She did a immediate refund but the adjustment payment processed on XX/XX/XXXX. Two days after she did a correction. The adjustment payment should have been canceled the day she did the refund. CREDIT BALANCE REFUND # XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX {$1000.00} Begin region Purchase Mode NOT AVAILABLE Since then I have been expecting the {$1000.00} from the adjustment payment to turn up so I can put it back on my credit card to XXXX out the balance. I have been told that they dont know where they sent that {$1000.00} and the have to investigate to find it. Then I was told it was sent to XXXX XXXX. I dont have a XXXX XXXX account. I never have. Then I was told it was going back to a account it originated from but noone has given me a definite account number or confirmed that it's my Savings account from which it originate. I filled a dispute. The number for the dispute agent is XXXX ext. XXXX complaint # 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 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I emailed XXXX and shared with them how a hold was placed on my account for {$29.00} coming from them. I did not share that the transaction had been DECLINED. However, in my email I requested for them to cancell thie subscription that I had NO idea I had. ( View Attachment ). The first {$29.00} was declined. It never went through ; and today, {$29.00} was charged again. My sixth sense says it was not XXXX. It was one of the cyber bank robbers who steal my direct deposits ; but I can't show proof of that. I can only show proof of what's in front of me ; and that's XXXX charging {$29.00} AFTER I Emailed them requesting to CANCEL the subscription. In conclusion, please have {$29.00} refunded ( credited ) to my account because I never authorized this payment and this was done to me after the email was sent. Also, when I go to Transaction History and type XXXX, there's no history coming from that company. When I type {$29.00}, XXXX pops up. In conclusion please have Bank of America refund {$29.00}. The removal of money manually can only occur when the account is on level 3 and up. I've already asked for my account to be level 2 and down. So, please have BoA credit my account as soon as possible. Also, please ensure I'm placing legal transactions on my real account ending in XXXX vs my closed account ending in XXXX. Thank You, XXXX XXXX XXXX Tel : ( XXXX ) 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 monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I do not know what this collection is for I do not know what XXXX XXXX XXXX is or XXXXXXXX XXXX I have tried to dispute through XXXX to no avail. They are reporting an amount of {$630.00} but saying it is a charged off collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a fraudulent XXXX transaction involving caller ID spoofing and impersonation of Wells Fargo. On XX/XX/year>, I received a call that appeared to come from Wells Fargos legitimate phone number ( XXXX ) and was told there was fraud on my account. The caller instructed me to send approximately {$1800.00} through XXXX with a Claim Number and Name ( XXXX XXXX ) to secure my funds. Because the call appeared legitimate and the caller presented themselves as Wells Fargo fraud personnel, I believed the instructions were authentic. I later discovered this was a scam and reported it to Wells Fargo immediately. My claim was denied solely because the transaction was considered authorized, despite the authorization being induced through fraud and impersonation. I am requesting a reinvestigation of my claim and reimbursement consideration given the deceptive circumstances and spoofing of the banks official phone number.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv funding LLC is trying to represent XXXX XXXX XXXX I only have a portion of the account number XXXX. They have already taken legal action against me in the past for old collections that were older than XXXX years I never got proper notification so I could not appear in court. This company is reporting on my credit that it is a collection paid and then shows that it owes {$440.00}. I also have no knowledge of this account. I feel that this company is a predator. And I want this removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BOK FINANCIAL CORP
State: ME

Complaint narrative:
We contacted Bank of Oklahoma Financial ( BOKF ) on XX/XX/year>, regarding a partial release of property. BOKF ordered an incorrect appraisal that ended up costing {$1600.00} ( double the amount because of their error ). This error also substantially delayed the process and was not finalized until XX/XX/year>. The partial release is to be sent to the XXXX XXXX of Deeds, Maine. BOKF stated that they mailed the release on XX/XX/year>, but the registry has not received it as of today ( XX/XX/year> ). We are in contact with the registry on a daily basis, as we need this process completed immediately. The registry also stated that the process can be handled electronically, which will immediately resolve this issue because they do not end their shift until all registry items are recorded for the day. BOKF is aware of the Registry 's ability to accomplish this matter but refuses to work with them or us for that matter. Because of these delays that BOKF is causing ( by refusing to answer phone calls, return phone calls, emails, etc. ) we are paying an extra {$3100.00} per month in financial burden that should no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I received a fraud alert notification from Citi regarding suspicious charges on my Citi credit card account. I immediately responded to Citi and informed them that these charges were unauthorized and were not made by me. At the time the purchases were made, I was not in XXXX and can provide evidence confirming my location on that date. Citi initially opened a fraud dispute investigation regarding these transactions. The dispute was later closed and the claim denied, despite my reporting the charges as unauthorized and requesting supporting evidence showing that I authorized or made the purchases. I specifically requested proof that I made these purchases, including any transaction authorization records, receipts, signatures, or other supporting documentation. On XX/XX/year>, I contacted Citi again to formally request that the matter be reopened and reinvestigated due to the lack of evidence provided to me supporting the denial of the fraud claim. I believe Citi reopened the investigation following my request. Despite the dispute being reopened and still unresolved, I recently received a statement reflecting interest charges related to these disputed transactions. I do not believe interest or finance charges should continue to accrue while the fraud investigation remains unresolved. To avoid further interest accumulation and potential damage to my credit, I paid the account balance in full. This payment should not be interpreted as acceptance or acknowledgment that the charges were valid or authorized. Additionally, this Citi card is rarely used by me. I primarily use my XXXX XXXX card for regular purchases, making the disputed activity highly unusual and inconsistent with my normal spending behavior. I am requesting a full reinvestigation of these unauthorized charges, reversal of all related interest and fees, and copies of all evidence relied upon in denying the original fraud claim.

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 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
I am disputing a debt being collected by Singer Weissman on behalf of XXXX XXXX XXXX XXXX. I have not received proper validation of the alleged debt and including proof of ownership or a complete chain of assignment. Further more this collection activity continues on a judgement. I was not properly able to defend. I am requesting full validation and investigation into potential violations of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am requesting assistance regarding GM Financials failure to provide my payment history/account records in a timely manner. I requested a complete payment history from GM Financial on or about XX/XX/XXXX relating to my former vehicle account associated with a XXXX XXXX XXXX. These records are needed in connection with an active vehicle repurchase/buyback matter involving General Motors . Since my initial request, I have made multiple follow-up calls and communications with GM Financial . I was initially told the records would be provided electronically within XXXX hours. Later, I was told the records could only be mailed. Despite repeated follow-ups over several weeks, GM Financial representatives have been unable to confirm whether the payment history was actually sent. On a later call, representative XXXX advised that the matter would be escalated and that I would receive a response within XXXX hours. I was also provided complaint/service reference number XXXX. Because of the ongoing delay, I sent a written certified letter to GM Financial formally requesting the payment history and account documentation. The delay in providing basic account records has interfered with my ability to address an ongoing vehicle repurchase matter and evaluate financial/account information connected to my account. I am requesting that GM Financial promptly provide a complete payment history and any related account records associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
To whom it may concern I broke my lease at the end of XXXX the XXXX. On the XXXX of XXXX, I provided the required XXXX written notice in the presence and with the assistance of the leasing staff. I was giving my final move out statement via email from the assistant XXXX. For breaking the lease the amount was totaled at {$2300.00}. Per my move out statement my XXXX rent was paid in full. For the remainder due to my account, accounted for my early termination fee minus my refundable deposit which they kept as a credit, leaving me a balance of {$1900.00}. I made my final payment via our resident portal as I have done the entire XXXX months prior. Yesterday XX/XX/year>, I received calls from a debt collector stating they are attempting to settle of debt from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have called the property several time and received no answer or callback. As of today I have reached out to the property management company XXXX XXXX XXXX. My call was not answered. I did leave a voicemail and submitted an inquiry via their website. As of today I will also be filing a dispute with this specific debt collector and taking whatever else necessary steps needed to clear this inconvenience!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, XX/XX/year>, Citi called me telling me that there was an unauthorized request to open a credit card. I confirmed that this was not the case and they cancelled that credit card application. They referred me to FTC ( which in turn referred me to you ), to notify you about this.

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 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I am writing to request clarification regarding the Private Mortgage Insurance ( PMI ) requirement on my loan. At the completion of construction on my home, Gateway Mortgage ordered an appraisal that came in lower than expected, which resulted in PMI being added to my mortgage payments. However, shortly after construction was completed, the city tax assessment valued the property at {$350000.00}, which placed the loan-to-value ratio above the 20 % equity threshold required to remove PMI. In addition, the current market value of the home is approximately {$430000.00}, further supporting that the property has maintained sufficient equity well beyond the required threshold. I recently contacted your office regarding removal of the PMI and was informed that I must wait until I have owned the home for XXXX years before it can be removed. I would appreciate clarification as to why PMI was required and continues to be charged if the property value at completion already reflected more than 20 % equity relative to the outstanding loan balance. Please review my account and provide : 1. An explanation of how the original loan-to-value ratio was calculated 2. The reason PMI was required despite the property valuation and equity position 3. The specific requirements and timeline for PMI removal under my loan terms I would appreciate a written response and review of this matter at your earliest convenience. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding fraudulent activity on my XXXX account that occurred at the end of XXXX in the amount of approximately {$6000.00}. An unauthorized individual was added as an authorized user to my account without my knowledge or consent and received XXXX work that I never approved or authorized. I disputed this immediately and informed Synchrony Bank that I was a victim of fraud and unauthorized account access. Under the Fair Credit Billing Act ( XXXX ) and Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation, removal of the fraudulent balance, and deletion of any negative reporting connected to this unauthorized activity. I also request written verification showing how this individual was added to my account without my permission.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX, I made the final payment of {$470.00} to XXXX XXXX XXXX XXXX XXXX ( File # XXXX, originally a Bank of America charge-off ) to fully satisfy the account. .At the time of payment, I specifically asked the representative if the file could be deleted from my credit reports. The person I spoke with stated they would escalate the deletion request. On XX/XX/XXXX, nI sent a follow up email on status and I received an email from XXXX XXXX XXXX, Managing Attorney at XXXX XXXX XXXX, stating the file is now closed at their office and directing me to contact Bank of America directly.The tradeline is still appearing on my credit reports as a negative charge-off/collection, continuing to harm my XXXX XXXX. XXXX XXXX XXXX is the current data furnisher and has not updated or deleted the account despite the full payment and my prior verbal request for deletion.I am requesting that the CFPB require XXXX XXXX XXXXXXXX to : Immediately update all three credit bureaus to reflect the account as Paid in Full with {$0.00} balance. Delete the entire tradeline as a goodwill adjustment now that the debt has been satisfied and the file is closed. I beleive the agent over the phone awknoleged a [ plan of action without having the authority within this specific organization and misrepresnted himself as a the sole decision maker.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a formal complaint regarding the unilateral and unjustified closure of my American Airlines AAdvantage credit card. This account was recently transferred to Citibank from XXXX following the portfolio transition. Before this transfer, XXXX explicitly assured me my account would remain open and active. I request an immediate review and reinstatement of this account based on the following facts : Pristine Credit History : I possess over 25 years of flawless credit history with absolutely no late payments or defaults across any institution, including both XXXX and Citi. Unwarranted Action : Approximately XXXX years ago, Citi closed a previous AAdvantage card of mine without any stated cause, which prompted my original move to XXXX. This current closure repeats that same frustrating pattern without justification. Direct Damages : This is my primary everyday credit card. Its abrupt closure directly jeopardizes my XXXX XXXX elite status, causing both tangible financial losses and significant emotional distress. Closing a primary account in excellent standing without cause or warning is unacceptable. I expect a prompt manual review of my file, the immediate reinstatement of my AAdvantage credit card, and a written explanation regarding why this occurred. I wonder whether Citibank is acting discriminatorily here because of my immigrant background I look forward to your prompt resolution of this matter. Sincerely, XXXX 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 2026-05-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We originally asked to defer a few payments back in XXXX. My XXXX was in school and thought it would help hold us over until she graduated and got a job because we also have XXXX babies. They offered forbearance explaining that they just paused payments not explaining that it would all be due once the XXXX days is over. After the XXXX days we went to make a payment and we owed like {$8000.00} which we did not have since my XXXX just had a XXXX and the medical expenses really drained our finances. They wouldnt let us make payment unless we paid everything at onceWe tried loan modification and appealed multiple times Which got denied.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I signed up for the PayPal Mastercard through a {$40.00} credit promotion. I received an email confirmation on XX/XX/XXXX saying the credit would be applied to my next qualified purchase. I have made multiple purchases and it has been three billing cycles. I have yet to receive the credit. I talked to multiple agents at both PayPal and XXXX. They all said different things, transferred me, told me to call the other, and one agent even hung up on me after trying to sell me another credit card and I declined. No one has been able to resolve this issue.

Company response to consumer: Closed with monetary relief