vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: TX

Complaint narrative:
My vehicle became disabled, and I immediately notified AutoNow Financial. I was advised to take the vehicle to one of their preferred repair shops, but I declined because I was told their process involved a 35 day wait. I informed AutoNow that I would take the vehicle to my own repair facility.

I was then told my payment would be placed at the back of my loan due to the vehicle breakdown. AutoNow Financial did not do this and instead allowed the account to become delinquent.

After this, AutoNow Financial changed its position multiple times. First, I was told I needed to submit proof regarding the repair. Then, on the same day, I was told my account was too new and that no deferment would be granted at all. None of these requirements exist in my contract. 
When I asked for the contractual basis for these rules, an AutoNow Financial representative stated, its our company and we can do what we want. This call was recorded.

AutoNow Financial has continued to assess late fees and has negatively affected my credit based on non-contractual and inconsistent rules. I am requesting immediate removal of late fees, correction of any negative credit reporting, and written confirmation that no adverse action or repossession will occur while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: MI

Complaint narrative:
I misplaced my card in the beginning of XXXX, I usually use my credit cards so I assumed it was at home. When I checked my account randomly one day I saw multiple transactions I didnt authorize i immediately canceled my card when I called Wells Fargo XXXX explained the situation and they understand and reimbursed me the transaction. Later on they retracted the reimbursement and I reached out but they told me the why, which made no sense. They told me the reason for their retraction is the transactions matched my previous transaction but just because I used my card to withdrawal from the atm before they made it seem like thats why it matched. I went back and forth coordinating with police about the situation to Wells Fargo but they didnt help and kept saying the same thing. I just need a you guys to step in because this is clear fraud it happen in Ohio, Ive never been to Ohio since I was in high school, I was in Michigan and alerted them immediately and explained I had a lot of people from friends to family for a back to XXXX XXXX and its would have been hard to pin who stole my information and wallet then went a state over to take my money with out my consent. They eventually closed my account and threatened to put me in collections and cheq systems so i when to a branch because I had no access to the transactions, they gave me the statements below in the attachments on the XXXX of XXXX for atm withdrawals. I didnt make these transactions but they keep saying the same thing that does not add up so I decided to reach out to the cfpb.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I made deposits totaling a little over {$1500.00}. XXXX  of the checks was written to my wife and the checking account was in my name. They immediately stopped the deposit. The XXXX  check was made out to me and it went through as well as a wire transfer from my other checking account. The next day my status on the account said it was frozen and no money can come in or out. When I called they said you have violated our agreement and you are not entitled to those funds. Then after several months of me calling trying to fight it I had a supervisor tell me th funds will be sent back to the originator. XXXX XXXX later which is today XX/XX/year> they are telling me im not eligible for the funds. After all this they still havent told me why I cant have the funds back. When I ask to speak to a supervisor they say no Im not going to transfer you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I applied for and was approved for a XXXX refund advance, which was deposited into a Credit Karma Money account. 

After the funds were deposited, I was locked out of the account due to a system error involving an SSN mismatch and failed identity verification. 

Credit Karma and XXXX representatives have confirmed they can not verify my identity, but they have not provided any recovery, correction, reversal, or reissue process, leaving my funds inaccessible. 

I am not disputing the advance. I am disputing the denial of access to deposited funds caused by an internal identity/SSN error. 

Despite repeated attempts, I have been given incorrect phone numbers, conflicting information, and no resolution. 

I am requesting immediate account recovery, identity correction, or reversal/reissue of the refund advance, and written confirmation of how my funds will be handled. 

The information on my XXXX XXXX is My name : XXXX XXXX XXXX, my email : XXXX, My old phone number XXXX or XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The information that is on the credit karma account with my funds is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Email is : XXXX or XXXX And the incorrect SSN that is on there ends in XXXX. But My correct SSN ends in XXXX. 

Im not sure how this mismatch happened but I need my money! XXXX has confirmed that my refund advance has deposited into the XXXX  credit karma account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been a card holder with direct balance autopay since owning the card for years. The card holder user interface has " XXXX XXXX '' and " XXXXXXXX XXXX XXXX '' listed separately. I went to change my listed bank account after getting married and having a new account. I had no desire to change autopay so did not go under that tab. However, the system apparently has these linked so as I deleted a bank account I was also removed from autopay. 

I occurred late fees and interest for the balance when I did not realize my account was no longer on auto-payments for my XXXX bill. Additionally, I now have been charged a " trailing interest '' in my XXXX statement. I called and talked to XXXX different representatives about these charges and was never told about Trailing Interest XXXX  days prior to them being on my account. On American Express Statements it is just listed as " Interest Charges '' and does not differentiate from other forms of Interest charges. When I asked a more senior customer service agent about why American Express does not differentiate this on the billing statements he could not provide me an answer and told me " that is a good question ''. 

The XXXX representatives I have talked to have told me that they are not experts in the calculations but also could not transfer me to anyone else. I was seeking information about the calculations for interest and trailing interest and took the time to call and have someone explain it to me over the phone instead of reading about it online since I am a paying customer of American Express. 
I was told I could read in online in my agreement but never have been able to talk to anyone with good knowledge on the reasons or differences in these Interest Charges. I have always paid my balance in full. These XXXX late months were the only late payments and, once I realized they were not on auto-payment, I paid them in full as well. 

The lack of customer services with appropriate knowledge and transparent account information is disappointing for a card that charges $ XXXX to have. 

Furthermore their website fails to alert users of dramatic account changes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I disputed an alleged debt with Jefferson Capital Systems , LLC and demanded validation in writing pursuant to FDCPA 1692g ( b ). 

Despite receiving my timely dispute and validation request, XXXX XXXX failed to provide any validation and instead reported and continues to report this alleged debt to XXXX XXXX XXXX XXXX. 

Credit reporting constitutes collection activity. Reporting during the validation period is unlawful. XXXX XXXX is furnishing information it knows or has reason to believe is inaccurate, in violation of FDCPA 1692g ( b ) and FCRA 1681s-2. 

I am requesting immediate deletion of this account from all consumer reporting agencies and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On Saturday, XX/XX/year>, XXXX XXXX PM, I transferred money via Cashapp to my external bank account with XXXX XXXX XXXX XXXX. The amount transferred was {$1000.00}, after applying instant transfer fee 's by Cashapp, the total amount was {$1000.00}. The money was deposited into my external bank account at this time, but the deposit was then reversed by Cashapp immediately at XXXX PM on XX/XX/year>. I contacted CashApp on XX/XX/year>, who instructed me to contact my bank. I contacted the bank who referred me back to CashApp as the reversal was initiated on their end. I contacted CashApp again on the same day and relayed this information. I was contacted by a Customer XXXX XXXX via Email stating my case would be escalated and investigated further. In this exchange, I provided documentation from my bank, showing the reversal of the deposit. I have contacted cashapp numerous times via phone and email requesting to speak to a supervisor to discuss my case. I received an email today, XX/XX/year>, stating that they have closed my case due to proof of deposit. This is not a missing deposit dispute. Funds were deposited into my bank account and then reversed by Cash App within the same minute. I am requesting investigation of an unauthorized deposit reversal, not a missing transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
GoodLeap previously drew from my bank account for someone else 's loan. I was assisting that person and then removed my account from their portal but they still drew from my account. 

I made some payments to help the loan owner and then removed my account again and they are trying to draw from my account again even though there was a back and forth conversation specifically stating not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
i went to an atm locate at XXXX XXXX XXXX  and requested to withdraw XXXX dollarson XX/XX/year>, the atm did not dispense it, i requested it to be returned from wisely adp they denied my request with no explaination

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed fraud in my Chase Checking and Savings bank account on XXXX  XX/XX/year>. There were a total of XXXX charges made from XXXX * XXXXXXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/year>. There was a charge for {$23.00}, {$3.00}, {$450.00}, {$460.00}, {$480.00}, {$490.00}, {$510.00}, {$520.00}, {$530.00}, {$540.00}, {$500.00}, and a transfer of {$3000.00} from my savings to my checking account. I now have an overdrawn account with a balance of - {$560.00}. I currently reside in XXXX, XXXX  and have possession of my Chase debit card. I called Chase Monday XX/XX/year> morning to file a claim. I called Chase on Tuesday XX/XX/year> and Wednesday XX/XX/year> to check the status of my claim and was told that my claim was closed after further investigation because the card number and pin was used in XXXX XXXX, XXXX. I have my debit card in hand in XXXX, XXXX, and can prove that I was in the state of XXXX  with my debit card on XX/XX/year>. I then filed a police report on XX/XX/year>. I called Chase bank to open the claim to add my police document and the bank refused. It is not fair that Chase bank closed my claim without even proving that my card was not in my possession and transactions were authorized by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/year> I got home from dealing with my son 's auto accident and received a call from my bank. The caller ID said Wells Fargo and the number read XXXX. The call was received at XXXX am. The caller said that they were with Wells Fargo and that someone attempted to pull money out of my account via XXXX and asked if we initiated those. ( Impersonating the bank ) They had the last 4 digits of the account number. I said no and they asked a series of official questions, " Do I log into my account on shared devices? Would anyone else have access to my banking login? '' I was given a case number, XXXX name, and cancellation numbers. 
Case Number XXXX Case XXXX XXXX XXXX Cancellation code transaction at XX/XX/year> @ XXXX am to someone named XXXX XXXX {$970.00} - XXXX {$1200.00} - XXXX I was then transferred to XXXX XXXX and he said he would block my XXXX and would walk me through the process to cancel these XXXX fraudulent charges. It seemed odd, I XXXX the phone number and it checked out. I told him I wasn't comfortable and he said that I could go to a local branch. My local branch is XXXX hours away. So I asked him to verify information on my account. He provided my home number, cell phone number, bank routing number and the last 4 of my account. Normally I would have thought twice but I also needed to hang up to call the auto insurance to process my son 's accident. My head wasn't in the right place. I realize now the case number is a phone number. He guided me through the steps to in short send {$1000.00} to XXXX XXXX- which he explained was for XXXX. He then asked me to send a photo of the confirmation via text. That's when I knew I was scammed. Then he hung up. I have called Wells Fargo XXXX department and they submitted a claim. I also called XXXX to report this. Under high-pressure tactics and a sense of manufactured urgency, I was directed to " protect my funds '' by utilizing XXXX. 

The XXXX transaction was the supposed case number and the memo was the supposed cancellation number. I was told this would prompt some text messages to me to cancel the other XXXX supposed fraudulent transactions. In an effort to save myself from being scammed {$2100.00}, I was scammed out of {$1000.00}. 

Attached are photo of the phone number that I texted the photo to.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XX/XX/XXXX, a deferred interest charge of {$690.00} was applied to my Best Buy credit card after a promotional financing period expired with a remaining balance of approximately {$800.00}. 

I understand that the promotion expired ; however, the size of the retroactive interest charge was unexpected and disproportionate relative to the remaining balance. 

On XX/XX/XXXX, I contacted Citibank through their secure messaging system requesting a one-time courtesy review or adjustment of the deferred interest charge. 

Citibank responded by explaining the promotional terms and repeatedly directed me to contact customer service by phone to discuss payment solutions, despite my clarification that I was not requesting payment assistance, hardship enrollment, or changes to my account terms. 

I requested that the interest adjustment be reviewed in writing. Citibank declined to process the request unless I called by phone. 

I am seeking written review and consideration for a full or partial adjustment of the deferred interest charge without being required to enroll in hardship or payment programs.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a call from XXXX XXXX XXXX with XXXX ( XXXX ) different phone number one where I am locally ( XXXX ) XXXX, but they left a message with a different number XXXX. I did notice they didn't say the company 's name " I had to ask - when I called back ''. XXXX said he was with a document service, and this is a formal notice regarding the noncompliance notice that is being filed against my son. XXXX was verbally abusive saying I raised a XXXX XXXX XXXX  - That Liberals like me are going to be XXXX in the streets and I shouldn't be surprised - case # is XXXX. He continued to berate me that they are calling every phone # associated with my son including his place of work. I gave them my Attorney 's Name - XXXX XXXX XXXX and he cussed me out saying I didn't have an Attorney and that if he wanted to resolve this issue XXXX XXXX to call them. 

I am not going to allow this kind of call to be made to me and the language used as if I was going to cower and be afraid that he was calling everyone my son knows ... Really RUDE to think calling an employer about old debt that is past the XXXX  ( XXXX years ) Debt Statute of Limitations.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Since XX/XX/XXXX when I made a wire transfer from my bank, XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, I learned that the money was transferred to XXXX XXXX account # XXXX. 
There is no XXXX XXXX. I was falsely given this information. 
XXXX XXXX XXXX  recalled this transfer, on XXXX separate occasions with NO response from XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I was on the phone for an hour and a half with XXXX in XXXXXXXX XXXX 
Those people ( XXXX in their wire transfer department ) VERIFIED that they are holding my {$110000.00}. 
Yesterday XX/XX/XXXX I went back to XXXX XXXX XXXX here in XXXXXXXX XXXX, AND we issued another recall of my wire transfer of {$110000.00}. 
I called XXXX XXXX XXXX XXXX today and was told that no one in their wire transfer department would speak to me because I don't have an account # with that bank. 

I am reporting this to you out of my total frustration with this banking problem. 
XXXX XXXX XXXX XXXX is holding {$110000.00} of my money and they have no relationship with XXXX XXXX. 
I am awaiting some sort of response to XXXX XXXX XXXX but none has been received as of today. 

Please help me retrieve my {$110000.00}. 
Thank you very much. 
I am XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 monetary relief