vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s denial of my credit card application and the inaccurate reason provided for that denial. 

On or about XX/XX/XXXX, I applied for the Wells Fargo XXXX XXXX Card. Wells Fargo denied my application in an adverse action notice dated XX/XX/XXXX. The denial reason stated : Nature of credit risk posed by termination of other accounts. The notice states Wells Fargo based its decision in whole or in part on information obtained from XXXX. The application number referenced is # XXXX. 

This denial reason is not supported by my XXXX credit report. My XXXX file does not reflect accounts terminated in a way that would justify this stated basis. There is no indication of creditor-terminated accounts that matches XXXX XXXX explanation . 

Separately, there was a Wells Fargo credit card account opened fraudulently in my name. Wells Fargo confirmed this account was fraud and issued written confirmation ( dated XX/XX/XXXX ) stating that Wells Fargo contacted the credit reporting agencies to remove the fraudulent account from my credit profile ( the letter references the account ending in XXXX ). Because Wells Fargo confirmed the account was identity theft and took steps to remove it, it should not be used against me, and it should not be characterized as termination of other accounts or otherwise treated as a credit risk factor in underwriting. 

I believe Wells Fargo relied on inaccurate internal records, an internal risk flag, or a mischaracterization tied to the confirmed fraudulent account when denying my XXXX XXXX Card application. If Wells Fargo is not relying on XXXX XXXXor that termination claim, then it should clearly identify the exact account ( s ) and source ( s ) it relied on. As it stands, the stated reason does not match the bureau data referenced in the adverse action notice and appears inconsistent with Wells Fargos own prior fraud determination.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
On XX/XX/2026, Relay Financial XXXX notified me that my business checking account was closed. 

Since the closure notice, I have made multiple written requests asking when the remaining balance would be remitted and whether the funds are subject to any legal hold. 

Relay has repeatedly responded with generic statements that the closure process may take up to 45 days and that an investigation must be completed. However, the company has not : Confirmed whether the {$2500.00} is under a specific legal hold Identified the legal basis for retaining the funds Provided the exact date the 45-day period began Provided a definitive remittance date Confirmed that a check has been issued I am not disputing the account closure itself. My complaint concerns the continued retention of {$2500.00} without a clearly defined timeline or stated legal basis. 

As of today, the funds have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: HomePace, Inc.
State: AZ

Complaint narrative:
I took out a home equity loan in 2022 through a company called HomePace. As of this date they are requiring a payback of the original amount, which I have no issue with, as well as {$140000.00}, which amounts to a return of an 85 % interest rate over only 4 years. This seems usurious and illegal. Particularly since I am a senior citizen.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Issue : Failure to apply promised 4 % savings promotion and resulting financial loss Complaint : I am filing a formal complaint against Wells Fargo regarding a savings account promotion that was promised to me but never applied. 

Beginning XX/XX/XXXX, I was informed by Wells Fargo representatives that my savings account would receive a 4 % promotional interest rate. I relied on these representations and maintained my funds at Wells Fargo under that understanding. 

However, the promised 4 % rate was never applied to my account. Since XX/XX/XXXX, I have contacted Wells Fargo numerous times by phone and at the branch. Multiple agents and managers confirmed the promotion and stated that my case was being processed or escalated. Each time I followed up, I was told the responsible manager was no longer available or that the case had been transferred, with no resolution ever provided. 

As a result of XXXX XXXX failure to apply the promised promotional rate, I have lost approximately {$1000.00} in interest. 

I am requesting that Wells Fargo : 1. Retroactively apply the 4 % promotional rate to my savings balance from XX/XX/XXXX forward 2. Credit all interest owed due to the missing promotion 3. Provide written confirmation of correction Wells Fargos repeated assurances followed by inaction and case transfers have caused financial harm and significant frustration. I am seeking regulatory assistance to resolve 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 2026-02-17 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: AZ

Complaint narrative:
To Whom It May Concern : You closed my XXXX account in XX/XX/XXXX citing a 30-day late payment on my XXXX report . That payment was incorrectly reported and was corrected with XXXX  in XX/XX/XXXX. 

In your response to my CFPB complaint, you stated there were " derogatory trades and public records '' justifying this closure. I am demanding you provide : 1. A full explanation of each specific derogatory trade and public record referenced 2. Proof that these items currently exist on my credit reports today, XX/XX/XXXX XXXX. Creditor names, account numbers, and dates of any alleged delinquencies This request is necessary because your past responses have failed to properly investigate this matter. Your explanation is further contradicted by the fact that Citibank approved me for a XXXX XXXX  card in XX/XX/XXXX. 

Provide this documentation immediately or reinstate my account. 

Sincerely, XXXX XXXX XX/XX/XXXX 2026

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Product : Credit card Company : Citibank , N.A . ( XXXX XXXX XXXX by Citi ) What happened ( complaint details ) : Im disputing a {$30.00} late fee on my XXXX XXXX XXXX by Citi credit card. I am a longtime customer and generally pay on time ; this was a rare oversight and the account is now current. 
I contacted Citi via online chat to request a one-time courtesy waiver. Citi chat stated they attempted an exception waiver but it was denied by the system, and they had no option to override. Citi chat also stated they can not provide a chat reference/case number, and that escalation is only available by phone, even though I requested written communication and a written decision.

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
To whom in may concern : I am writing to explain an error regarding a collection referred to XXXX XXXX XXXX XXXX by Mazda Financial Services. 

1. Mazda Financial Services reported a debt that I owed after I returned my leased vehicle. The debt was {$1000.00}. I received an extension on this debt, so that the debt was due XX/XX/XXXX. The letter with the XX/XX/XXXX due date is attached. 
2. Mazda referred me to the debt collection agency XXXX XXXX XXXX in XXXX of XXXX, even though the debt was not yet due. XXXX XXXX sent me a letter stating that I could make a payment of {$740.00} to fully resolve the debt by XX/XX/XXXX ( attached ). 
3. On XX/XX/XXXX, I tried to contact Mazda to explain that they had directed me to a debt collector in error, but Mazda automatically transferred me to XXXX XXXX. So, I made the {$740.00} payment on XX/XX/XXXX to resolve the debt, and received a letter from XXXX confirming as much ( attached ). 
4. After receiving notification from XXXX about the impacts of this collection to my credit score, I contacted Mazda on XX/XX/XXXX. I spoke to an agent who informed me that I still have a balance of {$310.00} ( the difference between the {$1000.00} I initially owed and the {$740.00} paid to XXXX. ) The agent directed me to XXXX to settle this balance and restore my credit, so I called XXXX on XX/XX/XXXX. 
5. XXXX XXXX on XX/XX/XXXX : you dont owe anything, and we tried to inform Mazda of this. You settled your full balance on XX/XX/XXXX, as confirmed by the letter we sent. We cant explain why Mazda is referring you back to us. The agent at XXXX assured me theyd continue to inform Mazda that the balance was settled in full. 

In summary, Mazda Financial Services made an error in referring me to collections for a balance that was not yet due. Mazda then made an additional error for not reporting the balance settled in full once I resolved it with the collections agency to which they mistakenly referred me. 

These multiple, careless mistakes by Mazda Financial Services have impacted my credit rating by XXXX points. Ive lost hours on the phone with debt collectors and agents at Mazda Financial Services as Ive attempted to sort this out. I hope there is some action that can be taken to restore my credit and avoid problems like this in the future. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Per my loan agreement, it states my loan may be transferred to a new approved borrower in the event that the home is sold. It also states that any changes to the terms of the loan must be communicated in writing and mutually agreed upon and signed off on by myself, the borrower, and the lender. Currently, we are selling the home and the solar loan company ( Dividend ) is stating the terms of my loan has changed and is no longer transferable. This is in direct violation of my loan agreement as this was never communicated nor provided and agreed upon by myself. I believe this is evidence of Dividend not acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Submitted multiple disputes with the credit bills XXXX  verified his debt XXXX  it continues XXXX  come back as verified, but I have not received any notifications that shows the original contract with my wet signature. 
XXXX XXXX XXXX I have reached out multiple times XXXX  have not received a verification of this debt, including breakdown of the cost how the cost was calculated & original contract. I request that this fee removed from my credit port debt can not be verified XXXX  sent XXXX  me via certified mail with my signature showing I received verification

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Kia Finances prior response XXXX  my CFPB complaint is inaccurate XXXX  incomplete. 
Kia Finance stated that no XXXX insurance payment was received. This statement is false. I possess written documentation confirming that a XXXX claim was processed XXXX  a letter confirming that payment was made. 
Kia Finance also submitted a XXXX letter claiming XXXX funds had not yet been received. I never received this letter. Additionally, this document is not a final billing statement XXXX  does not disclose a finalized balance due, a due date, or consequences of non-payment. It predates the XXXX payment XXXX  does not reflect a post-GAP accounting. 
The only billing statement I actually received in XXXX of XXXX reflected a due date of XX/XX/XXXX, indicating the loan was not accelerated or in default. That statement did not disclose a finalized balance after XXXX insurance or warn of an impending charge-off. 
Despite this, Kia Finance charged off the account while reporting inconsistent information. Kia Finance stated XXXX  the CFPB that the charge-off occurred in XXXX, while my credit report reflects a charge-off date of XXXX. Additionally, the balance reported on my credit report does not match the balance Kia Finance reported to the CFPB XXXX  does not reconcile with the pre-GAP balance previously disclosed. 
Because Kia  Finance has reported conflicting balances, conflicting charge-off dates, falsely denied receipt of GAP insurance, XXXX  failed XXXX  provide a delivered final accounting or notice of acceleration, the charge-off is inaccurate XXXX unverifiable under the Fair Credit Reporting Act.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am filing this complaint against XXXX Bank for what I believe to be unfair and deceptive acts or practices in violation of the Consumer Financial Protection Act ( UDAAP standards ). 

On XX/XX/XXXX, my deposit account was involuntarily closed without prior notice. I immediately contacted XXXX Bank on multiple occasions requesting the reason for the closure. XXXX repeatedly refused XXXX  provide any explanation, stating only that the decision was final. I was denied meaningful information about the basis for the banks action. 

On XX/XX/XXXX, I received written correspondence stating that my funds would be mailed within up XXXX  XXXX  days per the XXXX Account XXXX. However, after reviewing the XXXX Account XXXX and confirming directly with a bank representative, I was informed that no such XXXX holding period exists in the agreement. 

XXXX Bank is therefore : Withholding my funds without clear contractual authority ; Misrepresenting the terms of its XXXX  Account XXXX; Refusing XXXX  provide transparency regarding the basis for closing my account ; XXXX  Causing financial harm by delaying access XXXX  my own money. 

This conduct appears XXXX  constitute : Unfair practices, as the banks actions have caused substantial financial injury that I can not reasonably avoid XXXX that is not outweighed by any countervailing benefit. 
Deceptive practices, as the bank cited a contractual timeline that does not appear in the XXXX  agreement. 
Potential abusive practices, as the bank is leveraging its control over my funds while refusing XXXX  provide clear information regarding the reason for the closure or the authority XXXX  withhold my money.

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 2026-02-17 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding LLC XXXX  its servicer XXXX XXXX XXXX are reporting XXXX  attempting XXXX  collect a debt for {$2000.00} ( Acct # XXXX ; placed XX/XX/year> ; alleged original creditor XXXX XXXX XXXX XXXX XXXX Card ) that I do not owe. This account is the result of identity theft XXXX/or has not been substantiated with any competent evidence linking the obligation XXXX  me. 

I have provided an FTC Identity Theft Report and identity verification documents. Despite this, LVNV/Resurgent continue XXXX furnish this tradeline XXXX  consumer reporting agencies XXXX  attempt collection. 

This conduct violates multiple federal laws : FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : Furnishers may not report information they know or have reasonable cause to believe is inaccurate. LVNV has no signed agreement, no account application, no itemized transaction history, XXXX  no valid chain of title from XXXX XXXX XXXX XXXX to LVNV Funding establishing liability. 

FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) : LVNV must report the account as disputed when notified. 

FCRA XXXX XXXX. XXXX ( b ) : After receiving notice of dispute from the credit bureaus XXXX LVNV  must conduct a reasonable investigation and correct or delete inaccurate information. Verifying a debt without reviewing original documentation is not reasonable. 

FCRA XXXX XXXX. XXXX ( XXXX XXXX ) : XXXX  an identity theft report is provided, furnishers XXXX  XXXX must block XXXX  cease reporting identity-theft-related information. 

FDCPA XXXX XXXX. XXXX XXXX XXXX : Misrepresenting that I owe this debt XXXX  attempting XXXX  collect without proof of liability constitutes false, deceptive, XXXX  unfair collection practices. 

FDCPA XXXX XXXX. XXXX : LVNV has not provided proper validation of the alleged debt upon dispute. 

LVNV/Resurgent are debt buyers. They can not legally rely on generic billing data, vendor records, or summary account data XXXX  establish liability. Without a signed consumer agreement XXXX  a complete chain of title, the account is unverified XXXX  must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/year>, a wire transfer in the amount of {$46000.00} was sent from my personal account at JPMorgan Chase without my authorization. 

It was a mistaken duplicate of a transaction I had authorized. I did not authorize this XXXX  transaction in any form, whether verbally, electronically, in writing, or through online banking credentials. This constitutes an unauthorized electronic fund transfer under Regulation XXXX ( XXXX XXXX Transfer Act ). 

I called chase XXXX  times. The told me each time that my only recourse was XXXX  accept the fees, risk of no return, XXXX did not acknowledge the fundamental issue of a breach of procedure. I raise the claim as much because I fear losing the money as that I wish their processes changed XXXX  the consumer not XXXX  be falsely led XXXX  believe they must assume all responsibility for the error XXXX  fraudulent behavior of a bank. 

I submitted a written dispute XXXX  Chase clearly framing this as a Regulation  XXXX unauthorized transaction. The bank responded by stating the case was closed without addressing my Regulation XXXX claim, without providing investigation findings, XXXX  without issuing provisional credit. 

Chase is currently treating this matter as a wire recall and has indicated that I XXXX be responsible for associated fees. This is inappropriate given that the transaction was not authorized by me and appears XXXX  have resulted from a bank operational error. 

XXXX requested : XXXX full recredit of {$46000.00}. 

Reversal of all associated fees. 

Written confirmation of Regulation XXXX investigation compliance. 

Documentation of how the wire was initiated. 

This is a personal consumer account. I expect full compliance with Regulation XXXX investigation XXXX  recredit requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the repossession account listed on my credit report. This account is being reported inaccurately. The underlying vehicle contract was illegal and/or executed under suspicious m circumstances. Specifically : Such as forged signature, undisclosed fees, misrepresentation of terms, failure to provide required disclosures, violation of state lending laws, etc. 

Because the contract itself is invalid and legally questionable, the repossession and resulting negative reporting should not be listed on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation of this account. If the creditor can not provide valid, legal documentation supporting the debt and repossession, this account must be removed from my credit report. 

Please provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation