vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Ally Banks handling of suspected fraud involving my certificate of deposit ( CD ) account and the unexplained loss of an estimated {$3300.00} from my funds. I received written notice from Ally Bank advising that there had been a request to transfer my CD account and that Ally suspected fraudulent activity. Upon receiving this notice, I immediately contacted Ally and informed the bank that I had not authorized any transfer request. Following this notification, Ally instructed me to complete paperwork to open a replacement account so the CD funds could be rolled into the new account. I completed the requested paperwork promptly and expected the CD proceeds to be transferred securely into the replacement account ( see customer statement for new acct. ). Instead, Ally issued me a check that was approximately {$3300.00} less than the principal balance of my CD. Prior to and since receiving the deficient check, I have contacted Ally multiple times seeking an explanation and resolution. Numerous representatives have been unable to explain where the missing funds went. Most recently, I was informed by an Ally representative that the missing {$3300.00} had been transferred by Ally to XXXXXXXX XXXX and that nothing could be done. This is extremely concerning because : Ally itself identified suspected fraud on the account ; I immediately confirmed to Ally that I had not authorized any transfer request ; Ally nevertheless allowed funds to leave the account despite the fraud alert and my direct notification. I believe Ally failed to properly safeguard my funds after they identified suspected fraud and after receiving notice from me that the transfer request was unauthorized.

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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Business Name : GoodLeap, LLC Business Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Installer Name : XXXX XXXX XXXXXXXX Description of Deceptive Practice : I am filing this complaint under the Texas Deceptive Trade Practices Act ( DTPA ) regarding a predatory solar loan ( Account # XXXX ). I was induced into these contracts by XXXX XXXX based on material misrepresentations. Specifically, I was promised that the solar systems would entirely eliminate my electric bill with XXXX XXXX XXXX. This representation was false. Despite the installation of a primary and a secondary system, I continue to receive significant utility bills in addition to the monthly loan payments to GoodLeap. The systems are functionally insufficient for the energy needs of my home and was fundamentally mis-sold. Furthermore, the installer XXXX XXXX have since ceased operations, leaving me with a defective, underperforming system and no recourse for warranty or maintenance support. Under the FTC Holder Rule ( 16 C.F.R. 433.2 ), GoodLeapas the holder of the credit contractsis legally subject to all claims and defenses I have against the sellers. I have made multiple attempts to resolve this with GoodLeap ( see attached correspondence ). On XX/XX/year>, GoodLeap acknowledged the dispute and promised a resolution within one week, but they failed to meet their own deadline. Their subsequent " analysis '' on XX/XX/year>, admitted the system only produces roughly XXXX kWh annuallyfar below what is required for a " XXXX XXXX '' home in XXXX XXXX they refuse to discharge the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am submitting a complaint regarding Citis mishandling of the transition of my XXXX XXXX AAdvantage Aviator Mastercard account from XXXX to Citi. Citi informed customers that the account transition would occur on or around XX/XX/year>, and that replacement credit cards would arrive within approximately 68 weeks. Citis emails and website instructions also state that customers can register for Citi Online access before receiving the physical card in order to track shipment of the replacement card, access account information, and manage account settings. However, when I attempted to register my transferred account online using the instructions provided by Citi, the system would not allow me to create or access an account. I contacted Citi customer service for assistance and was told that I must wait until the physical card arrives before I can register online. This explanation directly conflicts with Citis own written instructions, which specifically state that customers can register online and track card delivery prior to receiving the replacement card. In addition, other customers have reportedly been able to register without having the physical card, suggesting inconsistent system functionality and inconsistent guidance from customer service representatives. As a result of Citis handling of this transition : I do not currently have reliable online access to my transferred account I can not properly monitor account activity or verify account information I can not track shipment of the replacement card despite Citi stating this would be possible online I have received contradictory and confusing information from Citi representatives XXXX online access has already been disabled, leaving customers with limited visibility into their accounts during the transition period This appears to be a broader operational issue affecting multiple customers during the XXXX migration process. I am requesting that Citi : Provide immediate online access for transferred customers without requiring receipt of the physical replacement card Correct the inconsistent and contradictory instructions being provided to customers Ensure uninterrupted access to account information during account transitions Provide accurate information regarding the status of transferred accounts and replacement card shipments I also request that Citi explain why its customer service representatives are providing information that directly contradicts Citis written instructions and website guidance.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
RE : Bank of America Deposit Checking Acct number ending in XXXX. XXXX rental car overbilled and double charged for THREE consecutive car rentals from XX/XX/XXXX to XX/XX/XXXX. First one : Bank of A credit card I never received the final receipt until XX/XX/XXXX. Second one : Debit card Third one : Debit card I filed several complaints through the bank due to not receiving a final receipt asking them to help. I can't dispute a charge without a receipt. The receipt was finally received in XXXX ( last month ). When XXXX refunds the customer, there are no receipts or letters to justify where the monies came from. While the checking account was in dispute, the account was closed without notice, warning or agreement. Last week I received text messages stating my telephone number was removed, The bank slowly removed my name and identifiers before closing it. Address info XXXX is XXXX XXXX They upgraded XXXX. That means online banking is difficult. I can't change address to a temporary one.

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 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding Wells Fargos handling of my accounts following my involvement as a victim in an international investment fraud scheme. Despite my proactive cooperation and documented victim status, I have experienced prolonged account restrictions and an unexplained debit of {$19000.00}. Background I am a XXXX victim of a cryptocurrency scam that collapsed in XX/XX/XXXX. I immediately reported this to the FBI ( IC3 report filed XX/XX/XXXX ) and local law enforcement. My situation was also documented by a social worker in XX/XX/XXXX. In XX/XX/XXXX, Wells Fargo froze my checking and savings accountsincluding over {$14000.00} in unrelated personal savingsdue to a {$9800.00} fraud claim. For several months, the bank repeatedly extended the account closure date while restricting my access to all funds. I provided written explanations via Certified Mail and fax throughout this period. On XX/XX/XXXX, Wells Fargo debited {$19000.00} from my account without prior notice. Branch staff suggested this may relate to a XX/XX/XXXX wire recall, but I have received no written explanation regarding the legal basis for this debit, the calculation of the amount, or why my savings were seized. As of XX/XX/XXXX, my remaining undisputed funds have not been released. XXXX XXXX XXXXXXXX, which was involved in this same matter, has completed its review and officially recognized my victim status. As a result, they have returned my remaining funds in full ( {$23000.00} ) and closed the account without any further unresolved issues. I would like to respectfully highlight the contrast in how the two institutions have handled this identical situation. I hope this information assists in the prompt resolution of my case with your organization.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Complaint Against : JPMorgan Chase Bank , N.A . Issue Type : An Existing Account / Banking Services Summary of Complaint : I am the Trustee of a legally established trust and have attempted for several months to open a trust account with JPMorgan Chase Bank , N.A . Despite providing required documentation, including the Trusts EIN and governing trust documents, the account opening process has not been completed. I have not received a clear, consistent explanation of any outstanding requirements or a formal approval or denial decision. Branch personnel have not provided written clarification tied to specific policy or regulatory requirements, resulting in ongoing delay and lack of resolution. Institution : JPMorgan Chase Bank , N.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i got a text about a loan, which i had been applying for. I got a text requesting I call back and I was approved for an {$8000.00} loan, when i called the actual funding company, they told me it was scam and I had to call my bank put a hard freeze on all of my accounts since they got into my mobile banking. When I called he would not speak and then hung up. He kept arguing with me telling me the call is recorded. He said the address was in XXXX XXXX ca, calling from phone number XXXX.. I then recieved a call from a different number saying i was approved for a {$5500.00} loan, he was rude and started arguing with me, when i called him out on his behavior he changed. i asked if i could call and confirm with the funding insitute and he wouldnt becaues time is money. i immediately called my bank and put a hard stop on all of my accounts. he told me to call them and that they wouldnt be able to tell me anything. he then old me to call the funding and call him back and if he isnt busy he will take the call. he called from phone number 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 non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or about the week of XXXX XXXX, 2026 I received a face time phone call alledeging they were my bank at Wells Fargo , which I believed because the caller ID displayed Wells Fargo logo . I was asked if I had purchased furniture of {$400.00} inTexas. I said NO. Then they asked " what about Florida for {$200.00}. '' I replied NO. Then the caller proceeded to say they are aware of this fraud across many Wells Fargo customers and they have an FBI agent who she stated was present, working to catch this thief, gave me a badge number and a name that turns out this was a scam. Here is what happened : 1 ) during the call they accessed my phone without my knowledge 2 ) I stated I was going to call my bank directly 3 ) The caller ( which was female ) said " I AM the BanK '', do you want your account secured or not as the fraud is happening right now. '' 4 ) I was instructed to not log onto my account as the FBI were working on my behalf 5 ) The following day I went to Wells Fargo first thing when they opened and disputed this transaction that removed {$500.00} from my account through XXXX. I have filed a police report and informed Wells Fargo I have done so. As of this writing the only response from Wells Fargo that I received a letter from WF around XX/XX/XXXX stating they are researching this fraud.

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 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Newrez has been provided documented court records establishing that the loan is void ab initio and that neither Newrez nor Shellpoint has ever had lawful authority, standing, or servicing rights to collect payments or administer this account. Newrez serviced the loan from XXXX XXXX through XXXX XXXX and collected payments during that period. In XXXX XXXX I stopped making payments and provided formal notice and supporting court documentation confirming the void status of the loan and lack of lawful authority to collect or service it. The account records remain materially inaccurate, including principal, interest, escrow, and alleged equity balances, which reflect improper charges, unauthorized fees, misapplied payments, unlawful inspection charges, and improper servicing actions including invalid loan modification activity. The balance is materially overstated by approximately {$28000.00} due to these errors and improper servicing practices. I demand immediate cessation of all collection activity ; removal of all falsified, unauthorized, and improperly applied fees, charges, and modifications ; correction of all account records ; and a full corrected accounting from all servicers beginning with XXXX through Shellpoint and Newrez, with all corrections fully itemized for review and approval prior to any further servicing or reporting. This conduct appears to violate 15 U.S.C. 1692e ( 2 ), 12 U.S.C. 2605 ( f ), and 12 U.S.C. 5531.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I discovered an unusual charge on my venmo account in the amount of {$470.00} on XX/XX/year>. There was no info on why the payment of sent and the payment was sent to " A merchant '' with no venmo user info. This was transaction ID : XXXX. I opened a dispute with case ID : XXXX XXXX XX/XX/year> and was informed on XX/XX/XXXX that " We received the case ( s ) you filed on XX/XX/year>. We have reviewed this transaction ( s ) and are denying your case ( s ) : Based on our review, we found this transaction is consistent with your payment history. '' This transaction is in no way consistent with my payment history. My payment history shows that my transactions have only been with people with user names, almost all of them friends that I know, and include info about what the transaction was about. Also, the average transaction apart from this payment is approx {$21.00}. Note : In a formal statistical sense, this would likely fall well beyond 3 standard deviations from your mean transaction value, which is a common threshold for identifying " true '' outliers in data sets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial repossessed my vehicle and later applied approximately {$48000.00} in sale proceeds to the account. However, the account history continues reflecting additional fee assessments, charge-off activity, and an alleged remaining deficiency balance that appears inaccurate, inflated, incomplete, misleading, or unsupported. After reviewing the account records, I identified multiple concerns involving the accounting of the repossession sale, post-sale fees, charge-off calculations, and furnishing of information to consumer reporting agencies. The account history reflects numerous fee assessments and charge-off entries after the vehicle was repossessed and sold. I dispute the accuracy and calculation of the remaining balance being claimed and requested complete validation and accounting records from GM Financial, including : Full payment history Repossession and sale records Application of the {$48000.00} sale proceeds Itemized fee assessments and costs Deficiency balance calculations Written charge-off documentation Copies of notices sent before and after repossession and sale Confirmation whether the alleged debt was canceled, retained, transferred, or reported for IRS purposes XXXX including whether a Form 1099-C was issued or will be issued I also dispute the furnishing of inaccurate, incomplete, or misleading information to consumer reporting agencies and requested compliance with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 regarding maximum possible accuracy and reasonable investigation of disputed information. Despite my requests, GM Financial has not fully provided the requested validation, accounting, and documentation necessary to verify the alleged remaining balance and charge-off reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CT

Complaint narrative:
Received calls from Wayfair over the summer of 2024 looking to collect for an outstanding credit card balance. I have never had a wayfair credit card and am unable to produce account number due to this. I have contacted CBNA multiple times and have had difficulty finding information, reporting the identity theft to the correct department ( a XXXX card was also opened in my name but they were very easy to deal with and knew right away it wasn't me ), and the case was closed and it was found unsubstantiated. The charges were originally {$910.00} in XXXX of 2024 and the partial account # is XXXX. I filed a police report in XX/XX/year>2024 when I realized there was a XXXX account as well so my name and social security number were used for the wayfair charge. Th address used for this credit card was a XXXX address. I have filed reports with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The account was closed but is still showing up as delinquent on my credit score.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint against Resurgent Receivables regarding an account they are furnishing on my consumer credit report, identified as Account Number XXXX, in the amount of {$1900.00}, with the original creditor listed as XXXX XXXX XXXX XXXX I formally dispute this debt and state clearly that I do not owe this alleged obligation. Resurgent Receivables is using me as a target in an attempt to collect on a debt that has not been properly validated. Their actions appear to be coercive and deceptive in nature. This account was placed on my credit report without proper prior notification, which is commonly referred to as debt parking, and has caused harm to my credit profile without giving me a fair opportunity to dispute or validate the claim beforehand. In addition , Resurgent Receivables has filed a lawsuit against me regarding this alleged debt. I have responded to this lawsuit accordingly. However, pursuing legal action on a debt that has not been properly validated, and for which they have not demonstrated legal ownership, raises serious concerns about their collection practices. Resurgent Receivables has failed to provide sufficient documentatio n to validate this alleged debt or to establish that they have the legal right to collect. I have not received a complete chain of title, purchase agreement, or a valid bill of sale identifying this specific account. Furthermore, the amount being reported, {$1900.00}, has not been properly explained or substantiated. Based on these actions, it is clear that Resurgent Receivables is attempting to use pressure and legal threats to force payment on a debt I do not owe and that has not been verified.

Company response to consumer: Closed with explanation