vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Today ( XX/XX/year> ), I spoke with customer service agent ( approx XXXX XXXX ) regarding the terms of a home improvement loan. The promotional financing offer is 18 months same as cash, but First National Bank of Omaha ( FNBO ) intentionally set the number of payments to 23. Resulting in an automatic failure to meet the promotional deadline, and- as a result - be on the hook for interest charges. Additionally, they will not let me change the auto pay amount so I can make up the 5 extra payments over time. The agent said I can make additional one-time payments to meet the deadline ( which I will ), but this seems to me to be at least inconvenient and more likely unethical practice to deceive the customer. I did inform the agent that I would submit a CFPB complaint to which the individual seemed mostly apathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have contacted XXXX XXXXl repeatedly by phone and email requesting my lease documents and all paperwork related to such, including to the heads of corporate. I have been completely ignored. This has been from XXXX XXXX Nay XXXX, 2026. Nothing has been physically mailed or emailed, as requested, even when they say it was. I actually have 2 months left on the lease. What needs to be done for someone to process what should be a simple ask for my financials?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX committed targeted tourism fraud overcharge : charged my XXXX XXXX XXXX {$100.00} ( XXXX XXXX XXXX for two contact lens boxes. Merchant chat explicitly quoted and I agreed to XXXX XXXX total ( XXXX XXXX/box ). I provided Capital One clear written proofchat screenshots of the agreed XXXX XXXX priceyet they ignored this evidence, temporarily credited the {$62.00} overcharge, then reversed it ( Case # XXXX ). Capital One failed to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am a Bank of America credit card customer of several decades, currently holding three accounts in good standing with a consistent history of on-time payments and large balance transfers. This complaint concerns Bank of America 's failure to adequately notify me that a payment was past due on one of my accounts, and the bank 's subsequent refusal to remediate the credit reporting harm that resulted. Each month I received Bank of America 's standard electronic statement notification email. The subject line read " you have a new statement. '' The body of the email displayed the account balance and minimum payment due. At no point did the subject line or body of these emails indicate that the account was past due, that a payment had been missed, or that the account was at risk of being reported delinquent to the credit bureaus. A reasonable customer reviewing these notifications would not be alerted to a delinquency. Earlier this year I attempted to set up autopay on the account, which carried a balance of {$290.00}, to prevent exactly this kind of oversight. I was unable to locate the autopay setup feature on the Bank of America website despite reasonable effort. When I later called Bank of America to discuss this matter, the representative confirmed that the autopay setup feature is difficult to locate on the website. I still have not been able to locate it independently. I was not notified of the delinquency by Bank of America in any form that I noticed. I learned of the issue only when the credit reporting agencies notified me that my credit score had dropped by a range of XXXX to XXXX points due to a 30-day late notation on the XX/XX/year> payment for this account. I contacted Bank of America by phone. The representative confirmed the facts above, set up autopay for the full balance during the call, and the account is being brought current. I asked whether Bank of America would request that the credit bureaus remove the 30-day late notation in light of the circumstances and my customer history. I was told this was not possible. I am requesting that Bank of America ( a ) contact the credit bureaus currently reporting this notation and request removal of the 30-day late mark as a goodwill adjustment, in light of my decades-long customer relationship and the notification and user-interface failures described above, ( b ) review the design of its electronic statement notification emails to ensure that past-due status is clearly disclosed in the subject line and body of the email, so that other customers are not similarly affected, and ( c ) fix its website which is difficult to navigate for purposes of making payments and setting up autopay.

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian failed to properly respond to my identity theft block request under Section 605B of the Fair Credit Reporting Act. I submitted a valid FTC Identity Theft Report regarding : XXXX, XXXX Account ending in XXXX Experian responded by stating that the account is not currently appearing on my credit report. However, Experian failed to confirm whether an official identity theft block under FCRA 605B was ever applied. My complaint is not limited to whether the account is currently visible. My concern is that Experian processed the matter as a standard dispute rather than properly applying the identity theft protections required by federal law. I am requesting : 1. Written confirmation that the account was blocked pursuant to FCRA 605B 2. Confirmation that the account will not be reinserted without compliance with FCRA reinsertion requirements 3. Clarification regarding why my original identity theft block request was not formally acknowledged or processed as such This account was not authorized by me and is the result of identity theft.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called capital one on XX/XX/year> discussing a hardship assistance program. The agreement was that I would pay XXXX $ minimum over the next 3 months for that date to avoid interest fees. I still got charged interest and my credit score was significantly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX to Citi transition for AAdvantage CC. XXXX cancelled my autopay. Citi sent e-mail to setup on-line account. However, the Citi on-line access errors out. Talked to several reps. Verbally verified all my info and was subsequently told to just wait on new card. XXXX days later received paper statement charging interest when account has always been paid in full each month. Charging interest due to error with their transition is not right. I couldn't send payment because I had no idea of where to send it or even what the outstanding balance was since on-line access was not available.

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the reporting of negative information on my credit reports associated with my SoFi accounts. I previously contacted SoFi directly and requested a goodwill review and adjustment of the reporting related to these accounts, including charged-off balances and late payment history. I explained my circumstances and my efforts to improve my financial standing and responsibly address my obligations. I recently graduated on XX/XX/year>, and am actively working toward rebuilding my credit and establishing financial stability as I transition into my professional career. Despite my efforts to communicate in good faith, the negative reporting remains on my credit reports and continues to significantly impact my credit profile and future financial opportunities. The accounts include : Charged-off balances approximately totaling {$8600.00} and {$7300.00} Late payment and past-due reporting currently reflected on my credit reports I am requesting that SoFi conduct a reasonable review of these accounts and consider : Removal or adjustment of inaccurate or excessively harmful late payment reporting if applicable A goodwill adjustment of the charge-off and delinquency reporting Verification that all information being reported to the credit bureaus is complete and accurate under the Fair Credit Reporting Act ( FCRA ) I have made consistent efforts to address these obligations responsibly and improve my financial standing. I respectfully request a formal investigation and written response regarding the reporting of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo account was hacked and two transactions of {$800.00} and {$650.00} were fraudulently Zelled to a hacker on XX/XX/year>. I requested a credit of the {$1400.00} as this was due to a hacker, but Wells Fargo is refusing. I requested this be escalated to a level 2 fraud claim but they are telling me nothing else can be done. Case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery # XXXX I am submitting this complaint regarding the inaccurate continued reporting of a collection account by Portfolio Recovery Associates , LLC on my consumer credit reports. This account has already been satisfied and paid in full through wage garnishment/payment arrangements. After payment was completed, I was informed that the account would be removed from my credit profile as part of a pay-for-delete agreement. However, despite the account being resolved, the company continues to report the account as a derogatory collection account, which is negatively impacting my credit standing and financial opportunities. The continued reporting of this account is misleading and unfair because : The debt obligation has been fully satisfied. The account remains listed as a derogatory collection despite payment completion. I relied on representations that the account would be deleted once paid. The reporting no longer reflects the current status of the account in a fair and accurate manner. I am respectfully requesting the following : 1. Immediate deletion of the collection account from all consumer reporting agencies. 2. Written confirmation that the account has been removed. 3. An investigation into why the agreed-upon deletion has not yet occurred after payment was completed. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be reported accurately and fairly. Since this account has been paid and was represented to me as eligible for deletion, I am requesting prompt correction of the reporting. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I am filing this follow-up complaint regarding my XXXX XXXX issued by XXXX XXXX XXXX XXXX ( XXXX ) and serviced by Continental Finance Company ( XXXX ). The companys response failed to address the core issue of my complaint : the excessive and predatory nature of the fees being charged on this account and the lack of any meaningful accommodation despite financial hardship. XXXX claims a Change in Terms notice was sent on XX/XX/year>, adding a {$12.00} monthly maintenance fee. However, merely stating that a notice was mailed does not resolve whether the disclosure was clear, conspicuous, reasonable, or compliant with consumer protection standards. I do not recall receiving adequate notice that such significant recurring fees would be imposed on an already high-fee account. The account already carries substantial costs, including annual fees and interest charges. Adding a recurring monthly maintenance fee creates an unfair and abusive financial burden that disproportionately impacts consumers already experiencing hardship. The company further stated that the only available option to reduce fees and interest is to permanently close the account. This is not a reasonable accommodation and effectively forces consumers into account closure to escape excessive charges. I believe these practices may violate the spirit and intent of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which requires meaningful and transparent disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act, 12 U.S.C. 5531. Additionally, under Arizona consumer protection principles, consumers are entitled to fair dealing and truthful business practices. Imposing layered maintenance fees on subprime credit products while refusing reasonable hardship relief appears excessive and unconscionable. The companys response also failed to provide : * Proof that the Change in Terms notice was actually delivered ; * Evidence that I affirmatively agreed to the additional monthly maintenance fee ; * Any reasonable hardship assistance while keeping the account open; * Any explanation as to why such excessive fees are justified. Desired Resolution : * Removal or permanent waiver of the monthly maintenance fee ; * Waiver or reduction of the annual fee as a hardship accommodation ; * Refund of any recently assessed maintenance fees; * Written confirmation that no additional maintenance fees will be added while the account remains in good standing; * A good-faith review of the account for fair consumer treatment. I respectfully request the CFPB review whether these fee practices are unfair, deceptive, and abusive toward consumers.

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 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Complaint Summary : MidFirst Bank denied my application for a savings account but failed to provide the legally required adverseaction notice under FCRA 615 ( a ) and the reason for denial under ECOA/Regulation B. I submitted multiple written requests, including a final notice on XX/XX/year>, and received no response. Details : I applied for a savings account through Vio Bank ( a division of MidFirst Bank ). The application was denied, but I did not receive any adverseaction notice or explanation. On XX/XX/year>, I submitted a written request asking MidFirst Bank to provide the reason for the denial and the required adverseaction disclosures. I received no response. I contacted the assigned supervisor, XXXX XXXX XXXX ( XXXX Supervisor, MidFirst Bank ), multiple times by phone. All calls went to voicemail and were never returned. On XX/XX/year>, I sent a final written notice to XXXX XXXX. In that message, I explained that : Under ECOA/Regulation B ( 12 CFR 1002.9 ), a financial institution must issue an adverseaction notice for any denied application, including denials based on inability to verify identity. A failure to verify personal identifying information is itself an adverse action. MidFirst Bank is required to provide : 1. A written adverseaction notice 2. The specific reason for the denial 3. Disclosure of any thirdparty data sources used I informed XXXX XXXX that MidFirst Bank was not in compliance with federal law and requested the required notice within 5 business days. I also stated that if no response was received, I would file complaints with the CFPB and OCC. As of today, XX/XX/year>, I have received no response from XXXX XXXX or MidFirst Bank.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have Jetblue Mastercard from Barclays They claim I have a lot of points that I can use to get a statement credit. But I am unable to use them. To redeem them I must accept the TrueBlue terms & conditions at trueblue.jetblue.com. The link sends me to an account and there is no way on that link accept the terms. I spent time with online chats and a phone call with them. They were unwilling to help. I would just like to use those points

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
UPGRADE has failed to provide a monthly Statement for XX/XX/year> as of XX/XX/year>. UPGRADE has previously failed to provide statements for XXXX and XX/XX/year>. Complaints were filed for both of those incidents. When a payment is remitted to UPGRADE prior to UPGRADE providing a monthly statement for said account, UPGRADE will not credit the payment correctly, as a monthly installment, but UPGRADE applies a payment made prior to the issuance of a statement as an " extra payment '' - and requires an additional monthly payment. These are typical predatory lending practices that must be dealt with properly by my government. UPGRADE : Be advised that no payment will be remitted to this account as installment payment number thirteen ( 13 ) of forty-eight ( 48 ) until twenty-one ( 21 ) days after receipt of a properly prepared and delivered XX/XX/year> statement ; in accordance with UPGRADES loan agreement, and Federal Consumer Law. Govern yourself accordingly,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I was forced into foreclosure as of today due to false accounting and more. please see documents attached. Will be done uploading by tomorrow XX/XX/year>. Please do not delete!!!! Thank you Re : Webform submission from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note Follow up on the matter regarding your concern Summarized by XXXX XXXX Was this message summary helpful? Message XXXX of XXXX. For XXXX, turn virtual PC Cursor on if needed. XXXX To : me Fri, XX/XX/XXXX at XXXX XXXX Message Body STATE OF GEORGIA OFFICE OF THE GOVERNOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, Thank you for reaching out to Governor XXXX XXXX XXXX 's office , we have received your inquiry. Our office values input from Georgians and appreciates you taking the time to share your concern. We appreciate you providing this important information. We have forwarded your concern to XXXX XXXX XXXX 's office. XXXX. XXXX XXXX XXXX Phone : XXXX http : XXXX XXXX. XXXX XXXX XXXX Phone : XXXX XXXX We hope this information will assist you as you pursue this matter further. Thank you again for writing our office. Sincerely, XXXX XXXX XXXX XXXX of Governor XXXX XXXX XXXX

Company response to consumer: Closed with explanation