vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXX through XXXX situation I am on the chime account well we verified XXXX XXXX as long as my son claims me and XXXX  my name on birth certificate XXXX  the refund XXXX be deposited so we could escape XXXX receive Friday around XXXX when I got email and did verification again and they XXXX  wait the XXXX hours they sent back I have everything exactly how they asked now my stalker will XXXX  I XXXX  XXXX I XXXX  XXXX  to leave and be safe

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Destroyed my Financial and banking Life On or around XXXX XXXX XXXX my identity was stolen and sent to the dark web. At that point the fraudsters got a hold of all of my credit card information possibly through my email which is associated with my ip address which is found at my work station device that is connected to the internet and World Wide Web. At this point the fraudsters took my bank card information from Wells Fargo and they opened the app for each respective service and card. Once the fraudsters had the usable Wells Fargo app they were able to make charges to my Wells Fargo account. 
When told that the Wells Fargo account making the fraudulent charges to XXXX  the XXXX  the card and sent me a new card, after several cards they fraudsters using their app charged my debit card and the last time I wasn't even possesion of the card and they charged the card. 
When asked how is that even possible to charge a card that was just issued and not even activated yet Wells Fargo responded with " Let the fraud department do their job ''. 
Wells Fargo closed my checking and savings account after XXXX  years of patronage even through my military service. This information by the way was brought to Wells Fargo attention early on this the fraudster 's attack on my credit and money. Wells Fargo was not concerned with the fact that the device explicitly involved with fraud, theft and abuse was under ownership of someone other than me the account holder. 
As you can see from the additional information from truist bank that the fraudsters opened an account in my name and I contacted XXXX XXXX XXXX to file a police report and remain vigelent on my behalf, and he agreed. When I sent XXXX XXXX the proof and correspondence I had with inspector XXXX XXXX, they didn't even take XXXX  days to decide that there was not fraud and abuse, even with XXXX XXXX and his police report. 
Now as of late XX/XX/XXXX Wells Fargo has stated in their letter dated XX/XX/XXXX that the identity theft it my fault and that they were not complicit in their role of not defending my credit and money ( see Wells Fargo XXXX Dated XX/XX/XXXX ). I am resubmitting my complaint to you under the same pretences as before except with this new information from Wells Fargo denying any responsibility in the free and XXXX XXXX  approach to my personal information, credit and money. 
XXXX Sincerely, 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 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I have called several times to get my money back for this overpayment back. This was made because the personnel told me I was going to get charged a large interest fee. My intent was to pay the card in full and not use it again. 
They make excuses like the system is down please call back in XXXX hours. They will send the payment but have failed to do this. XXXX person says to talk to XXXX  XXXX and another says to talk to XXXX. 
My last conversation was with XXXX this morning. He said a check would be mailed in XXXX business days. I asked for electronic payment to my bank account. I think they just want to hold on to my money as long as they can. I also sent them another payment for over {$580.00} to pay off the account in full. I will never do business with them again.

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 2026-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding post-judgment mortgage servicing conduct occurring during the pendency of a federal appeal involving SWBC Mortgage Corporation. This complaint concerns only ongoing servicing activity after final judgment and does not seek review of the appeal itself. 

In XXXX, I experienced a temporary delinquency after being misled by a third-party mortgage elimination scheme. That delinquency was cured in XXXX, and the loan is not currently accelerated. Monthly payments have continued to be tendered and applied. 

However, recent billing statements and internal servicing records provided by SWBC reflect corporate advances classified as attorney fees and related charges totaling {$26000.00} between XX/XX/XXXX and XX/XX/XXXX. These amounts appear in SWBCs internal XXXX XXXX XXXX XXXX XXXX records. 

As of the date of this complaint : No Notice of Default has been issued. 
No Notice of Acceleration has been issued. 
No foreclosure referral has been disclosed. 
No law firm has been identified as having initiated enforcement proceedings. 

Despite the absence of acceleration or foreclosure, substantial attorney-fee corporate advances continue to appear on the account. When I requested written clarification, SWBC did not provide full disclosure of the enforcement authority or contractual basis supporting the {$26000.00} in corporate advances reflected in its internal records.

I am requesting regulatory review to ensure transparency, accuracy, and compliance in ongoing post-judgment mortgage servicing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Someone stole information from my account and took {$16000.00} from my debit card, and Wells Fargo bank didn't resolve anything for me.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I signed up for a service on XXXX, it was very slow to confirm and somehow I signed up for the same service twice. I could not get it resolved and Citi would not dismiss the charge.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : Request for Investigation To Whom It May Concern : I am writing to formally dispute the following account listed on my credit report : Creditor : LVNV Funding LLC Account Number : XXXX Amount : {$250.00} I am requesting validation of this debt and verification that LVNV Funding has the legal right to collect and report this account. 

If you can not provide proper validation, I request immediate deletion of this account from my credit report in accordance with the Fair Credit Reporting Act. 

Please investigate and respond within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a deposit of {$200.00} in cash to the drive-thru ATM at Capital One, XXXX  XXXX  XXXX XXXX XXXX NY XXXX XXXX The machine experienced an error and said it would return my cash. It never did, and after the time limit, it retained my cash. Now Im fighting to get my {$200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked a travel package to the XXXX XXXX through the Capital One XXXX  portal using my XXXX XXXX XXXX XXXX. 

I selected this product and booking platform specifically because Capital One markets XXXX XXXX as providing premium travel protections and peace of mind when travel does not go as planned. 

Upon arrival at the resort, we encountered a significant mold issue affecting the ventilation system across multiple rooms. This created a legitimate health risk for my wife, who has medical conditions that are severely aggravated by mold exposure and began experiencing allergic reactions shortly after arrival. 

The hotel acknowledged the issue and offered to change rooms, but the problem appeared systemic within the ventilation system, making relocation ineffective. 

I contacted Capital One XXXX and XXXX XXXX support expecting coordinated assistance in light of a health-related disruption while abroad. 

Instead, I spent over four hours on international calls being transferred repeatedly between travel portal support, member services, and insurance representatives. Each department disclaimed responsibility, and no coordinated assistance was provided.

In practice : The travel portal functioned solely as a transactional booking platform The insurance coverage was far more limited than the premium positioning suggests There was no escalation pathway for urgent health-related travel issues Despite XXXX XXXX being marketed as offering protection when travel does not go as planned, no meaningful support was available when a real health risk arose at lodging booked through its platform. 

We were ultimately forced to manage the situation ourselves until the resort arranged professional sterilization of the ventilation system. 

The support available differed materially from the expectations reasonably created by XXXX XXXX marketing emphasizing protection and peace of mind during travel disruptions ( ie transfer to another equivalent resort in the area ).

This raises concern that the products branding may create a level of consumer reliance that is not operationally supported in situations involving health or safety risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
THIS IS A OLD COLLECTION.... AROUND XXXX XXXX YEARS OR MAYBE MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
I received a letter from IQ Data XXXX that I had a owe {$1600.00}. to XXXX XXXX XXXX a claim that was filed against me after I moved out of an apartment managed by XXXX  XXXX Indiana in XX/XX/year>. XXXX  sent me an email with a XXXX balance to then go and file a claim with XXXX  XXXX for alleged damages. I called XXXX XXXX after then getting an email from XXXX  about an outstanding balance w/ no answer they sent me an email saying that a claim had been filed and since paid by XXXX  XXXX. I called XXXX  XXXX & was told they had not recevd anything yet from XXXX  and that it could be 1-2 months before something shows in the system. Days late I get a letter from Data IQ I spoke w/ XXXX at IQ & explained he said since I was disputing the charger that it would not show up on my report. I have disputed it with XXXX XXXX and IQ even with the XXXX balance letter from XXXX  IQ Data refuse to listen and since XXXX  paid them already XXXX  refused to address it since it was paid already. XXXX  has several complaints on the website with other tenants saying XXXX  did the same thing to them. Because Indiana don't have anyone to make tenants rights are protected they get away with doing this to people. As of XX/XX/year> XXXX  XXXX no longer offers the bond Program when I asked why the agent refused to say

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
I need to know if ECMC group should have refunded the student loan they garnished for XXXX XXXX, XXXX XXXX loan due to the Settlement judgment against school. They garnished my wage back in XXXX. At the time they also called people not related to me about my owed loan debt. They said they talked to my mother in law when in fact I found out they were leaving voicemail to my sisters mother in laws house. Which I dont even know how they got their number. Im not sure how legal that was to contact people Im not related to. 

https : 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 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a gift of money through PayPal to a friend in XXXX. The transaction was flagged as suspicious because of a years old note in the note box. PayPal asked me to explain and I did. PayPal said that this issue will be resolved in XXXX72 hours from XX/XX/XXXX. Four times throughout XXXX and into XXXX I answered them. I explained that the note was from when my wife was in XXXX several years ago. She has been here with me in the XXXX now since XXXX. I was told in a chat that I must ask the recipient to return the money. I tried to again explain that the recipient has never received the money. I never received any result from PayPal for any of their inquiries. I finally called a phone number that I copied from one of the chats that I had with PayPal and explained that I wanted the money to be sent to the recipient or returned to me by a canceled transaction. I was told that I would receive an email or phone call within three days as to the outcome. This email and phone call never came. And so here we are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
I am submitting this complaint regarding a debt collector attempting to collect on a debt that does not belong to me. I have disputed this account and requested validation, but the company has failed to provide sufficient proof that I am responsible for this debt. Despite my dispute, they continue collection efforts and/or reporting this account. This is inaccurate and unfair collection activity. I am requesting that this matter be investigated, that the account be deleted from my record, and that all collection efforts immediately cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: LA

Complaint narrative:
My chime back account was charged for a account that doesnt belong to me, Ive spoken with chime bank and made it clear to them that I did not own that account and that my card was being fraudulently used. Chile did an investigation ( or so they claim ) and what I saw they never contacted the merchant to verify if the account was actually mine or not and was very rude and unprofessional in giving me the information for as to why they still charged me {$310.00} for an account that isnt mine. I was charged this on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a written dispute and debt validation request to XXXX XXXX XXXX, XXXX. via certified mail on XX/XX/year>. The letter disputed the alleged debt, requested documentation supporting the balance, and instructed that all future communications be in writing only. XXXX confirms delivery on XX/XX/year>. 

Despite receiving this written notice, XXXX XXXX XXXX began placing collection calls on XX/XX/year> and continued calling afterward from numerous different telephone numbers. These calls occurred after my written instruction limiting communications to writing only. 

On XX/XX/year>, XXXX XXXX XXXX sent a written response referencing a specific court case and stating the balance was due and owing. However, the referenced court case had already been dismissed prior to the date of this letter, as confirmed by official court records.

Collection calls continued after this response and after my written dispute and communication restriction. A total of 54 calls were received after written notice, including repeated same-day calls from multiple originating numbers.

I am requesting review of the continued call activity after written dispute and the use of a dismissed court case reference in collection communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested that my Chase XXXX XXXX XXXX credit card account be closed. Chase did not close the account and did not send me any email confirmation or written acknowledgment of my request. 
Because the card was linked to my XXXX account, a single charge of approximately {$100.00} was automatically deducted after my closure request without my knowledge or authorization. I did not have the ability to log in to the account or access the card. 
Chase then began calling me about an outstanding balance. These calls consistently came from phone numbers flagged as spam by my phone carrier, making them indistinguishable from scam calls. When I did speak with representatives, they simply stated they had an account on file and would charge me. They refused to close the account as I had repeatedly requested.

I asked Chase to send me verification from an official email address so I could confirm the legitimacy of the contacts and the account status. They never provided this. I had no way to verify these were real communications from Chase and not a scam. 
Chase then added fees that nearly doubled the original {$100.00} charge. Despite these failures on Chase 's part, Chase reported negative information to the credit bureaus, causing my credit score to drop from approximately XXXX to approximately XXXX over what originated as a single {$100.00} charge that should never have occurred. 
I have since paid the full balance including the fees. However, the negative reporting remains on my credit report. Given that Chase failed to close the account as requested, failed to provide written confirmation, failed to send verification when asked, called from spam-flagged numbers, and allowed an unauthorized charge to go through on an account I asked to be closed, the negative reporting is entirely the result of Chase 's errors.

I am requesting that Chase remove all negative reporting from all three credit bureaus, refund the fees charged, and correct my credit record to reflect my prior good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Leased a XXXX XXXX from XXXX XXXX in XXXX, NY ; financed by Ford Motor Credit Company. End of lease return date was XX/XX/XXXX - due to COVID needed an appointment to return vehicle. Authorized dealership provided earliest possible return date of Friday, XX/XX/XXXXXXXX  to return the vehicle and obtain a new lease. I notified Ford Credit by calling their XXXX number of the delay due to the dealership 's schedule and COVID approximately 3 weeks prior to the return date. Ford Credit stated that they would note this on the file and did not provide any alternatives, dealership would provide final invoice. 

On Wednesday, XX/XX/XXXXXXXX  a towing company arrived at my home with a repossession order for the vehicle despite my notifying Ford 3 weeks prior to the delay due to the authorized dealership being unable to take possession of the vehicle prior to the return date and my actions to timely return the vehicle. Ford sent me an invoice for {$740.00} for the closeout of the lease, plus additional charges for repossessing the vehicle, for a total of {$1400.00}. 
I contacted Ford Motor Credit Company and advised them that I was willing to pay the {$740.00} but not the repossession fees as 1 ) I advised them prior to the return date of the issues with the dealership due to COVID, and 2 ) they did not provide me with other options. Ford was unwilling to take accountability for their errors. 
In XX/XX/XXXXXXXX  I was served with a summoned to the Supreme Court of NY , XXXX XXXX XXXX on this matter ; XXXXXXXX XXXX XXXX XXXXXXXX representing Ford Motor Credit Company. The court referred this to an arbitrator, to whom I explained the situation to, including my willingness to pay the {$740.00} final lease fees, but not the repossession and other fees. At no time was I provided any determination by the court that any judgement had been entered against me. 
This past week ( XX/XX/XXXXXXXX  ) I received a garnishment notice that a judgement for {$1900.00} was entered against me on XX/XX/XXXX. 
I would appreciate the CFPB reviewing this case with Ford Motor Credit Company, as I believe in my dealings with XXXXXXXX XXXX XXXX XXXXXXXX they have not been truthful with Ford Motor Credit Company or the court.

Company response to consumer: Closed with monetary relief