vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Credova Holdings Inc
State: GA

Complaint narrative:
I am disputing a lease originated by Credova and serviced by XXXX XXXX for a product purchased through XXXX that was materially misrepresented at the time of sale. After my purchase, the merchant altered the product description. When the discrepancy was discovered, XXXX instructed me to accept the transfer at the XXXX with the assurance that a return would be permitted. I attempted to return the product and cancel the lease once the misrepresentation was identified. I formally rejected the goods and notified XXXX, XXXX, and XXXX XXXX in writing. No lease payments have been made, and the first payment is not yet due. Despite this active dispute and my attempt to return the product and cancel the lease, XXXX XXXX has stated verbally that billing will proceed unless the merchant releases the obligation. Credova has stated in writing that they are standing behind the merchants decision and have redirected the matter to XXXX XXXX. I believe it is improper to enforce a lease or begin billing for goods that were misrepresented and have been rejected. The companies appear to be delaying resolution until the first payment date in order to initiate charges. I am requesting that the lease be canceled and that no billing, fees, or collection activity occur on this disputed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: IN

Complaint narrative:
This company was charging me XXXX percent intrest rate i have made numerous complaints nobody does anything even though they are charging me intrest rate thats considered loan shark intrest rate i dont think this company should be allowed to treat people like this why are you letting them do this to people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: GA

Complaint narrative:
In early XX/XX/XXXX, Mercury closed my business deposit account. In the account closure notice, Mercury stated that any remaining funds would be held for at least XXXX calendar days and then disbursed to me by check. Based on this notice, my funds should have been released by XX/XX/XXXX. However, as of today, Mercury has not sent any check, has not provided any confirmation of the amount held, and has not communicated in any form regarding the status of my funds. Since the closure on XX/XX/XXXX, I have sent multiple emails to Mercury requesting confirmation of : the balance remaining in my closed account, when my funds will be released, and the method of disbursement. Mercury has not responded to any of these communications. While I understand that a financial institution may close an account at its discretion, the institution remains responsible for safeguarding and timely returning customer funds. Holding funds beyond the stated release period without communication, explanation, or timeline raises serious concerns regarding improper fund retention and lack of transparency. I am submitting this complaint because Mercurys continued silence and failure to return my funds requires regulatory review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MI

Complaint narrative:
I previously had a consolidate federal student loan with an account with Mohela from XXXX. I would like to request my transaction history with Mohela during this time as I can no longer log onto the mohela website and obtain them myself. I am unable to send a secure message through the account as it will not allow me to log in and states " no account found ''. There is no online platform to allow me to directly contact Mohela. I subsequently called the XXXX number recommended and spent XXXX mins on hold and when I finally talked to someone they looked into it and said they do not have the records as they were all given to XXXX XXXX and I need to go through XXXX XXXX. As I have already asked for these records from XXXX XXXX in the past and they have directed me to go to Mohela to get the records from them for the time when they were my servicer, I asked to do a conference call with XXXX XXXX and she laughed and told me she was not going to call XXXX XXXX. When I again said Im asking for a complete transaction report from XXXX XXXX XXXX while with Mohela that they are legally obligated to keep, the rep I was talking to muted her end and refused to talk to me. She stopped responding without ending the call. I kept it running for another XXXX minutes asking more questions and for someone else that could help me but was talking to dead space with the call still running. I unfortunately had to go into work at this point so hung up the call total call time was XXXX mins. I have already filed a complaint with XXXX XXXX ( CFPB complaint number XXXX ) because of fraudulent interest on my account and the response was that this is the information they received when my loan was redistributed to them and there is nothing they can do to help. I did not request a redistribution, this was done by the Dept of Education and the interest accrual was reported to be during the month of transition. I have missed no payments and was on XXXX so after my payment, my interest was subsidized completely. I am asking for a complete transaction report for the life of my loan and neither company is willing to provide or help me access this information. I am trying to get my loan amount corrected so I can start paying the loan off but I should not have to pay for interest that I do not owe on an account that was getting subsidized for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
" I am reporting a fraudulent diversion of my federal tax refund. According to my official IRS Account Transcript for the XXXX tax period, an IRS refund of {$4200.00} was issued via direct deposit on XXXX. These federal funds were stolen via identity theft and routed into an account at Regions Bank without my authorization, knowledge, or consent. I am requesting that bank regulators compel Regions Bank 's IT and compliance departments to retrieve their XX/XX/XXXX ACH deposit archives, trace the fraudulent account that absorbed these funds, and cooperate with federal fraud investigators. ''

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 2026-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally froze the account and is taking longer than usual to investigate. XXXX funds after my wife initiated a bank transfer to one of our bank accounts. Asked a series of over XXXX questions and if you get any wrong, they will lock your account for fraud. Refuse to elaborate and have locked funds of over {$2000.00} for XXXX weeks.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Formal Complaint against Wells Fargo Withholding Estate Funds and Unfair Business Practices Dear CFPB, I am writing to file a formal complaint against Wells Fargo Bank for repeatedly moving the goalposts and unlawfully withholding funds belonging to my deceased wifes estate. I am the court-appointed Executor of her estate and have provided Wells Fargo with the Letters of Testamentary. Despite complying with all their demands, they refuse to release the money. The accounts in question belong to my late wife 's businesses, which have been inactive with the State of Texas for years. The accounts and balances are as follows : XXXX. XXXX XXXX - XXXX Savings Account # : XXXX | Balance : {$1800.00} - Business Checking Account # : XXXX | Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Business Account # : XXXX| Balance : {$1000.00} XXXX. Designer Art Int ' l - Business Account # : XXXX | Balance : {$810.00} Total Amount Withheld : {$4900.00} My attorney and I spent hours on the phone with Wells Fargo. They repeatedly requested documents, and each time we provided them, they demanded something else. Finally, Wells Fargo agreed to release the funds if I provided a specific notarized document. I completed, notarized, and sent this document to them. Instead of releasing the money, Wells Fargo moved the goalposts yet again and demanded further paperwork. This runaround has exhausted my resources. I now owe my estate attorney more than the total amount left in these accounts, forcing me to stop using legal counsel because I can not afford it. I am elderly, currently battling XXXX, and do not have the health or financial resources to hire more attorneys to produce useless paperwork for this heartless bank. These businesses were completely inactive with the State of Texas for years, even years before my wife passed away. Wells Fargo has already received her death certificate and the official court documents. No other person has any legal claim to these funds, nor has anyone else ever come forward. The funds belong to the Estate. The estate desperately needs these funds to pay outstanding final bills. Wells Fargo is acting in bad faith and weaponizing bureaucracy to keep this money. I ask the CFPB to intervene immediately and compel Wells Fargo to close these accounts and cut a check for the total remaining balances to the Estate. Thank you for your prompt assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX 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 2026-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Nations Info Corp
State: OH

Complaint narrative:
Made unauthorized drafts out of my account even after I was finally able to hunt them down and they told me they would stop the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest bank threatened to ruin my credit and also filed a lawsuit to intimidate me to get payments, this behavior is a violation of the equal credit opportunity act the letter is enclosed.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
" I am a Citi XXXX XXXX filing a formal complaint against Citibank regarding a debit card transaction for {$400.00} at XXXX on XX/XX/year>. The merchant abandoned a high-value kitchen appliance ( XXXX XXXX XXXX XXXX XXXX Drink Maker XXXX ) in an anonymous public lobby. The merchant 's 'proof of delivery ' photo shows a random staircase XXXX lobby with no address or apartment doors. I provided Citibank with photographic proof of my actual apartment hallway, demonstrating a total mismatch XXXX proving the item was left in an incorrect location. Furthermore, the item was stolen from that public space, XXXX I provided Citibank with an official NYPD Theft Police Report. Citibank failed XXXX conduct a reasonable or lawful investigation under the Electronic Fund Transfer Act ( Regulation XXXX ). They blindly accepted a XXXX XXXX unidentifiable photo over an official law enforcement report XXXX my physical property evidence. I received XXXX goods for this transaction. I demand a full credit of {$400.00} due XXXX bank non-compliance with mandatory XXXX XXXX investigative standards. ''

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a promotional balance of XXXX % interest charge XXXX had a couple of normal purchases go through. The purchases were paid off, yet Wells Fargo applied those payments XXXX the promotional balance XXXX. I spoke XXXX customer service where the XXXX seem XXXX have XXXX understanding or training on the issue. The XXXX XXXX, XXXX, who was supposed XXXX be the XXXX it got escalated XXXX was still completely untrained XXXX had XXXX read the policy in real time because she didn't know what was going on. Even based on what she read XXXX me, those payments should have been applied XXXX the balance with the highest XXXX, which would be the regular purchases, not my promotional balance. XXXX XXXX minutes on the phone, XXXX representatives, XXXX nothing but circles. The main problem seems XXXX be a {$75.00} payment that was made on the account on XX/XX/year> which was erroneously applied XXXX the promo balance instead of the purchase balance. ( In direct conflict with their supposed policy. ) The representative 's only suggestion was for me XXXX pay different payments XXXX try XXXX trigger the system into applying the payments properly, which I find completely laughable for a major bank to even suggest this. My finances are not a game. Not only that but the {$75.00} payment proves this would not work since the {$75.00} payment was in fact the XXXX payment made that month yet this problem still happened.

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 2026-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Aero Payments, Inc.
State: FL

Complaint narrative:
I have been attempting to withdraw {$2100.00} from my XXXX account for approximately XXXX weeks and have been unable to access my funds. Every withdrawal attempt has failed, and despite multiple attempts to resolve the issue through customer support, I have not been provided with a solution or a reasonable timeline for when I will be able to receive my money. My funds remain in my account, but I have been unable to withdraw them despite making repeated requests and following the instructions provided. As a consumer, I should have reasonable access to my own funds, and I have been unable to obtain a clear explanation for why my withdrawals continue to fail. I am requesting that this matter be investigated, that the reason for the repeated withdrawal failures be clearly explained, and that my {$2100.00} be made available to me through a functioning withdrawal method as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION Account number XXXX Account type Auto Loan Responsibility Individual Interest type Fixed Date opened XX/XX/XXXX Status Open. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$370.00} Original balance {$14000.00} Highest balance - Terms XXXX Months

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 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing a fraudulent collection for unreturned equipment. I returned all of my equipmentfirst to an on-site technician, and second directly to a physical Spectrum store. Furthermore, the reporting and collection of this alleged debt is plagued with severe, non-compliant inaccuracies in violation of the FCRA and FDCPA : 1. On my XXXX credit report, IC Systems is reporting a collection for XXXX XXXX for {$290.00} ( Acct XXXX XXXXXXXX ). XXXX. Meanwhile, XXXX XXXX is hosting a payment portal claiming I owe {$460.00} for XXXX XXXX ( Acct XXXX XXXXXXXX ) consisting of a false {$440.00} equipment fee. 3. Yet, XXXX dispute results show XXXX XXXX previously verified a balance of {$460.00} under Acct XXXX XXXX XXXX XXXX. To make matters worse, XXXX XXXX sent me an email offering to settle a XXXX account ( Acct XXXX XXXX XXXX XXXX XXXX ) where they claim the full balance is {$290.00} ( offering a settlement of {$200.00} ). This is a complete mess of mismatched balances, conflicting account numbers, and dual-collection agencies. Because the underlying equipment was fully returned and the reported data is completely inaccurate across multiple agencies, I demand this account be closed, zeroed out, and entirely deleted from my credit files.

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 2026-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: FL

Complaint narrative:
Subject : Credit Report Dispute Collection Account To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the collection account listed below pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Collection Agency : TEK-COLLECT INC . Original Creditor : XXXX Account XXXX : XXXX I dispute this account because the underlying debt requires verification. Although I received the initial aligners from XXXX, the company ceased operations before completing the contracted treatment and ongoing services. As a result, I was unable to complete the treatment for which this account was created. Additionally, I first became aware of this collection after it appeared on my credit report. I have not received sufficient documentation establishing the validity of the alleged debt. Accordingly, I request that XXXX conduct a reasonable investigation and require the furnisher to verify the accuracy of this account by providing competent documentary evidence, including : Documentation identifying the legal original creditor. A complete itemization of the amount allegedly owed. Documentation establishing that the reported balance is accurate. Documentation showing that TEK-COLLECT has the legal authority to collect this alleged debt. Documentation supporting that the account is being reported with maximum possible accuracy. If the furnisher is unable to fully verify the disputed information, I request that this collection account be deleted from my credit file pursuant to the Fair Credit Reporting Act. Please provide me with the results of your investigation and the method of verification used. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am filing this complaint against U.S. Bank for a severe, systemic violation of Regulation E ( Electronic Fund Transfer Act ) and deceptive consumer practices regarding unauthorized account access and data retention. Chronology of Events : 1. Revocation of Consent : In XX/XX/year>, I explicitly revoked my autopay authorization and completely removed my active XXXXXXXX XXXX checking account details from my online U.S. Bank portal. 2. Confirmation of Revocation : My XX/XX/year> payment cycle passed with zero automatic drafts, confirming that the recurring payment authorization had been successfully terminated and my active bank details were deleted from my visible profile. 3. Unauthorized Draft : On XX/XX/year>, U.S. Bank systemically and without my consent reactivated my autopay. They retrieved my previously deleted Huntington Bank account information from their backend databases to force an unauthorized ACH draft of {$560.00}. 4. Deceptive Portal Lockout : When I immediately logged into my U.S. Bank portal to shut off the unauthorized autopay, the system blocked me from doing so, displaying an error screen that states : " Manage autopay is unavailable. We can help you update autopay. Call us at the number on the back of your credit card. '' 5. Deceptive Retention of Private Data : Upon investigating my payment settings, I discovered that U.S. Bank has kept my active Huntington account hidden on their backend systems. It does not appear anywhere as an option in my online profile, meaning I have no way to view, edit, or delete it. Meanwhile, the only account U.S. Bank actually displays on my user-facing profile is an inactive, empty Huntington account , which they will also not allow me to delete on my end. This issue has caused my bank account to be overdrawn, thus keeping me from being able to make important purchases that I needed to make for my household, including purchasing groceries and picking up important medical prescriptions.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone 3 times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, all my Elan XXXX XXXX credit cards started throwing a Card not added. Contact card issuer for more information. error.

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