vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s application of a setoff against my savings account without notice or legal authority. 
Account Background and Ownership I am the sole contributor and beneficial owner of a Wells Fargo savings account ( account ending in [ XXXX ] ). A relative was added as a joint account holder solely for convenience. Since the account was opened, all deposits have been made by me or on my behalf. The joint account holder has never deposited funds, initiated transactions, or communicated with Wells Fargo regarding this account. All account communications ( email, mailing address, and phone number ) have been exclusively with me. 
Setoff / Withdrawal Event On XX/XX/year>, Wells Fargo deducted {$15000.00} from my savings account. I did not authorize this transaction and did not receive any notice prior to or following the withdrawal. 
Inquiry and Bank Explanation After discovering the deduction, I contacted Wells Fargos legal department by phone. I was informed that there is no legal action, judgment, garnishment, or court order against me. Wells Fargo did not identify any legal action, judgment, garnishment, levy, or court order involving me or this account as the basis for the withdrawal. 
Efforts to Resolve I visited a Wells Fargo branch seeking clarification but was not provided a resolution. I subsequently submitted a formal written dispute and a request for a Final Written Determination. Wells Fargo declined to reverse the withdrawal.

Lack of Legal Authority and Process Deficiencies Despite repeated written requests, Wells Fargo has failed to provide : Any court order, levy, garnishment, or other legal process authorizing the setoff Any notice provided to me before or after the withdrawal Any documentation showing analysis of beneficial ownership or contribution history Any explanation establishing mutuality between the alleged debt and my funds Wells Fargos responses relied solely on the joint titling of the account and did not address ownership of the funds, contribution history, or due-process considerations.

Basis for OCC Review Based on the above, I believe Wells Fargo applied an improper setoff against funds belonging to a non-debtor customer without adequate notice, ownership determination, or legal authority. I am requesting OCC review of Wells Fargos setoff practices, internal controls, and complaint handling related to this matter.

Requested Resolution I respectfully request : 1. Reversal of the withdrawal and return of my funds 2. Confirmation that Wells Fargo will not apply setoff against my funds for obligations that are not mine

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Tesla, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, while I was temporarily in XXXX, Texas for the holidays, Tesla remotely XXXX my vehicle by placing a PIN on the screen and removing my phone key access while I was at the hospital with my sick infant. Shortly after, the vehicle was repossessed. 

On XX/XX/XXXX, I contacted Tesla Financial Services by phone to resolve the repossession. The representative I spoke with explicitly instructed me that in order to recover my vehicle, I needed to pay the outstanding late payments and repossession-related fees. While I was on the phone, Tesla emailed me written wire transfer instructions requesting a specific payment amount of {$7800.00} to Tesla Finance LLC. 

Because XX/XX/XXXX was a holiday and banks were closed, I completed the wire transfer immediately when my bank opened on XX/XX/XXXX. Tesla has confirmed receipt of the funds. 

After Tesla accepted my payment, I was later informed by a different representative that I would not be permitted to recover my vehicle under any circumstances. At no point prior to payment was I informed that reinstatement would be denied regardless of payment, nor was I told that the vehicle was ineligible for release at the time Tesla requested and accepted the funds. 

The vehicle has not been sold and remains at the repossession holding facility. My personal property, including a XXXX, remains inside the vehicle. 

I relied in good faith on Teslas written and verbal representations when I transferred the funds. Accepting payment under these circumstances and then refusing reinstatement constitutes misrepresentation and an unfair business practice. I am requesting resolution, including release of the vehicle or a full refund of the funds paid and access to retrieve my personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XXXX i purchased a microwave oven in the amount of XXXX from XXXX and was delivered to the wrong address.called XXXX and they verified true from photo of wrong address delivery! called and notified capitol one of wrong delivery and 3 other charges in the amount of XXXX from XXXX were charged to card XXXX without my authorization! 
i did not authorize those charges! capitol one then sends letter that i am responsible for charges of merchandise not received and unauthorized charges! which is totally unacceptable, the policy is the customer is not liable for unauthorized charges, period!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: TN

Complaint narrative:
I am filing a formal complaint against NetSpend regarding a willful violation of Regulation E and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). 

1. The Core Dispute ( The Missing {$120.00} ) NetSpend has failed to post a refund of {$120.00} to my account since XX/XX/year>. 

The Error : I received two refunds for the same transaction ( one from XXXX as " good faith, '' one from the merchant XXXX ). I withdrew funds from the first refund. NetSpend then re-posted the original charge, creating a negative balance, and failed to credit the second refund which was sent to correct the issue. 

The Proof : On XX/XX/year>, XXXX closed the case in my favor ( XXXX XXXX ). I have obtained the specific banking tracking number for the missing second refund. 

2. The Correspondence & Failure to Resolve I have attempted to resolve this directly with NetSpend 's " Customer Resolution Team '' ( XXXX XXXX ) via email, but they are ignoring dispositive evidence. 

NetSpends Response ( XXXX XXXX ) : They admitted to service errors and refunded {$17.00} in fees, but claimed " no inbound credit '' was found for the {$120.00}. They stated : " If you can provide a Transaction Reference Number ( ARN )... we can reopen the investigation. '' My Rebuttal ( The Proof ) : I immediately replied and provided the exact number they requested : Acquirer Reference Number ( ARN ) XXXX and XXXX Transaction ID XXXX. 

The Result : Since providing this proof, NetSpend has ceased communication. They have the tracking number, yet my account remains negative. 

3. Financial Harm & Abusive Practices Because NetSpend refuses to apply this refund : Frozen Savings : They have effectively locked my {$70.00} savings account. I can not access these funds because their system will seize them to cover the incorrect negative balance in my checking account. 

Abusive Service : When I called to resolve this, agents repeatedly canceled my cards without my permission, triggering " replacement card fees '' ( which I had to fight to get reversed ). 

Hardship : I am a full-time student on a fixed income. Being deprived of ~ {$200.00} ( {$120.00} refund + {$70.00} savings ) has caused significant distress.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: TX

Complaint narrative:
I am disputing a debt reported by LJ Ross Associates , Inc. My written debt-validation request dated XX/XX/XXXX was sent to the address LJ Ross furnished to XXXX  and was returned by USPS as undeliverable . 

Despite furnishing an invalid address that does not accept consumer disputes, LJ Ross continues to report this account to XXXX. This prevents consumers from exercising their dispute rights and violates the Fair Credit Reporting Acts accuracy requirements. 

Additionally, this appears to be the same debt previously reported by XXXX XXXX XXXX, which was removed from my credit report in XX/XX/XXXX after a dispute. I did not receive any notice of reinsertion or reassignment. 

I have not been provided : Proof of ownership or assignment Verification of the original Date of First Delinquency Documentation that this account was not unlawfully re-aged

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation
State: AZ

Complaint narrative:
I had an outstanding loan from Albert. They told me I had to pay the loan of XXXX in full before I could borrow again, which I then paid. 
Now they yell me I must pay back double, the loan of XXXX plus some other loan I supposedly got. I explained to them I know nothing about a second loan that I knew nothing about! I keep telling them I never had a second loan from an earlier date they have a bookkeeping problem and this is no way to treat a customer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt you claim I owe. This letter serves as a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please be advised that I dispute this debt in its entirety and request that you provide proper validation before any further collection activity continues. Until such validation is provided, you are required by law to cease all collection efforts, including reporting or verifying this account with any consumer reporting agency. 

Specifically, I am requesting the following documentation : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges 3. Copies of any contracts, agreements, or applications bearing my signature that establish my legal obligation to this debt 4. Proof that your agency is licensed and authorized to collect this debt in my state 5. Documentation showing that this debt has been legally assigned or sold to your agency 6. The date of last payment and confirmation that the debt is within the applicable statute of limitations If you are unable to provide the requested validation, I demand that this account be immediately closed and that any negative reporting associated with this account be deleted from all consumer reporting agencies. 

Please note that any failure to comply with this request, or any continued collection activity without proper validation, will be documented as a violation of federal law. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursue any legal remedies available to me. 

This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is a request for proof. I expect your written response within the time frame required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting this complaint because Bank of America has failed to reimburse approximately {$10000.00} in unauthorized electronic debit transactions on my account, despite being obligated to do so under Regulation E ( 12 CFR 1005 ). 

Although the bank refunded approximately {$6000.00}, they have refused to return the remaining transactions and issued a denial that is not supported by Regulation E, nor by the evidence.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TN

Complaint narrative:
On XX/XX/year> I sent debt validation letter to this company to provide me with proof that they ( Vance & Huffman ) has the authority to collect on the debt and to prove ownership.They quickly mailed me a bill and not validating the debt while continuing to report to the bureau this erroneous information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was dealing with identity theft starting in XX/XX/year>. Around XXXX of that year, I had a fight with XXXX over some fraudulent transactions because they wanted me to pay for stuff the thief bought. The thief tried every card I had. Before all that, I called Macy 's to put a hold on my card, and the agent said she did. But then I was shocked on XX/XX/year>, to see a {$290.00} purchase on my account. At that exact time, I was actually renewing my vows! I called Macy 's, and they said they'd look into it, but then I got a letter saying their investigation concluded I had to pay for what the thief bought. That's super unfair to me because they made that decision without asking me for any documents. I'm so sick and tired of this happening over and over. I just sorted things out with XXXX, and now this 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 monetary relief
Consumer complaint received 2026-01-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My online XXXX  account was hacked on XX/XX/25. The hacker used my account to make a purchase with my credit card on file ( Barclays JetBlue ) and picked up the item in person and XXXX dispensed the item because they dont check ID for online pick up orders. I immediately received notification from my card about suspicious activity and the hacker was prevented from making an additional purchase. I called Barclays immediately to report the compromise and they initially canceled the charges made by the hacker. Then a few weeks later they say the charge was legitimate because I had shopped at the vendor before ( umm its XXXX, who hasnt ) and the item was picked up in store ( by the hacker who wasnt asked to show ID at pick up ). Now they are refusing to remove this charge from my account and also refuse to provide me with any hard evidence that I made this purchase and showed up in person to pick it up ( impossible as I was not physically in the vicinity of the store that day and I requested they get security footage for proof but they refused ).

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 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I came to know about that credit loan and a credit card in XX/XX/year>. The account was created in XX/XX/year>. I came to know from my credit bureau that there are two collections. I called the XXXX XXXX  where the credit loan was taken, and they provided me with the account information with the credit card number XXXX. The account was using my full name, including my middle which I never used in the USA. It had an ID number XXXX, which is not mine. The account had my correct social security number, but the phone number and address belonged to my ex-husband only. The phone number and address are the permanent number and address of my ex-spouse that I have never used. I also made a police report, including all that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing a complaint against Chime regarding their MyPay repayment practices, misleading disclosures, and refusal to provide written documentation. 

I have an outstanding MyPay balance of approximately {$400.00}. Chimes MyPay disclosures and in-app options led me to believe I could continue using my account and deposit funds for essential expenses without partial repayments being taken unless sufficient funds were available. Based on this, I continued to use my account in good faith. 

On XX/XX/year>, I deposited {$160.00} into my Chime account specifically to pay essential utility bills. I relied on Chimes representation that partial deposits would not be taken toward repayment unless the full amount was available. Despite this, Chime immediately withdrew the entire {$160.00} toward the MyPay balance. 

I understand that I owe the MyPay balance and intend to repay it. However, I am currently low-income and experiencing financial hardship, which I clearly communicated to Chime. I continued to use the account to demonstrate good-faith repayment over time, not to avoid repayment. 

When I contacted customer support, I requested written proof showing where the MyPay terms allow partial deposits to be taken, particularly after a certain period of time. The representative refused to email or otherwise provide the applicable terms and repeatedly told me to check the website, even after I explained that I had already reviewed it and did not understand the language. 

I informed the representative that I am XXXX and requested the terms in writing as a reasonable accommodation so I could better understand them. The representative refused, repeatedly stated that its been over a year, told me that my hardship did not matter, and would not escalate the issue or provide documentation. 

I believe Chimes MyPay disclosures are misleading, and I believe their refusal to provide written documentation or reasonable assistance after I disclosed a XXXX is unfair. 

I am requesting the following resolution : Refund of the {$160.00} taken on XX/XX/year> Written explanation of the applicable MyPay terms that authorize partial repayment withdrawals Correction of misleading MyPay disclosures so customers are not led to believe partial deposits will not be taken Review of the customer service conduct involved in this interaction, including refusal to provide written documentation and dismissal of hardship and XXXX disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX The vehicle was financed through Credit Acceptance and was represented as being in operable condition at the time of sale. Shortly after purchase, the vehicle began experiencing mechanical issues, which later escalated into a complete transmission failure requiring full replacement. 

I subsequently learned that this transmission failure constitutes a major mechanical defect. I requested written documentation from the dealership, including pre-sale inspection records, diagnostic reports related to the transmission failure, and any documentation indicating when the transmission issue may have begun or whether it existed prior to the sale. 

Despite multiple written requests and follow-up attempts made in XX/XX/XXXX, the dealership has failed to provide any of the requested documentation or a substantive response. To date, no inspection records, diagnostic reports, or explanations have been provided. 

As a result of the dealerships lack of response and failure to provide requested records, I am left with a financed vehicle that is inoperable and requires costly repairs. I am requesting assistance in obtaining the requested documentation and addressing the financial impact of this unresolved mechanical failure.

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