vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX and XXXX XXXX XXXX to cancel my membership and explicitly requested that no further charges be posted to my account. I informed them that I had made multiple attempts to cancel my membership. Each party stated that they could not process my cancellation and redirected me elsewhere. On one call, I was placed on hold for over 20 minutes, and the call ended with them hanging up. My membership was transferred to a new location without my consent, which I have never used. Despite my repeated cancellation requests, my account continued to be billed, including charges on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with late fees, totaling approximately {$150.00} {$200.00}. On XX/XX/XXXX, I sent a formal written cancellation request via email and explicitly asked that all communication be conducted in writing only. Despite this, XXXX XXXX XXXX continued to call me multiple times and leave voicemails. On XX/XX/XXXX, I received a voicemail claiming it was a final attempt to contact me regarding this membership. I am disputing this debt as not owed and formally requesting that my membership be immediately canceled, that all communication be conducted in writing only, and that no further contact or collection attempts be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I had Credit Acceptance. I was made aware that they were sued for fraud. This company sued me for payments and garnishment of wages once I couldnt maintain payments.

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove all fraudulent accounts off my credit report.

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
When I originally opened up my car loan in XX/XX/year>, when I would pay my loan through CPS ( Consumer Portfolio Services ) the fee to pay online was {$1.00}. Now the fee is {$5.00}. The only way to avoid the fee is to take cash to a local gas station and pay the bill. I am charged regardless of check, debit, credit card or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Complaint Against : Capital One Auto Finance I am submitting this complaint regarding inconsistent and inaccurate servicing of my auto loan, specifically involving an insurance settlement check, refund representations, and the current delinquency and legal status of my account. In XXXX, I was instructed by Capital One representatives to overnight an insurance settlement check without my endorsement and was told the check would be endorsed and returned promptly. This did not occur. The check was instead returned by regular mail during the holiday period, causing significant delay. I relied on their instructions and paid for overnight delivery based on those instructions. After resubmitting the check with written instructions, I was informed on or about XX/XX/XXXX that a refund check would be mailed to me after application of the required portion to my account. I confirmed this information multiple times with representatives. However, after multiple weeks awaiting the Arrival of the refund to take care of the car, I was then told subsequent representatives provided conflicting information, stating that the full amount had been applied to the account and that no refund check was issued. I enclosed written instructions with the insurance settlement check specifying that a defined amount be applied to the loan and that the remaining balance be refunded to me. Despite this, I have received inconsistent explanations about how the funds were processed and whether a refund was ever generated. Also I have been restricted access to my online account. Additionally, I have been told that my account is in replevin procedural status. I have not received clear written confirmation of : Whether a legal filing has occurred Whether repossession is paused Whether my account is protected from charge-off Whether recalculation was performed after the principal payment I am fully XXXX and receive fixed XXXX XXXX XXXX XXXX. The delays, inconsistent information, and lack of clarity regarding payment application and refund status have materially contributed to my financial hardship and delinquency. I am requesting : Written clarification of how the insurance settlement funds were applied. Confirmation of whether any refund check was issued and, if so, tracking details. Written confirmation of the current legal status of my account ( including whether replevin has been filed ). Confirmation of whether charge-off is pending and whether the account is protected while this complaint is under review. A full accounting timeline of communications and servicing actions related to this matter. I am seeking accurate information, correction of any improper servicing, and clarification of my account status so I can make informed decisions regarding my vehicle and financial stability. As I am now in a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was wrongfully charged twice ( {$2400.00} total instead of just {$1200.00} ) for paying my rent through Bilt XXXX card. I was notified of the double charge by my bank and immediately searched for the customer service number for Bilt. Bilt only does chat customer service. I messaged them my issue and a bot responded with solutions that could not be carried out. I asked to chat with a real person but they said I am in a very long queue. No one has responded since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I made a payment on my card at XXXX XXXX XXXX on XX/XX/XXXX. The statement says has to be paid on XXXX to avoid late fees. Because it wasn't paid on XX/XX/XXXXXXXX XXXX XXXX they charged me a late fee. When I contacted them they said they would do me a favor and remove it but won't do it again. I told them I wanted it notated correctly that I did not make my payment late. They told me they couldn't do that. If they want it paid by XXXX XXXX XXXX then it needs to say this.

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financials, LLC granted an auto loan under my name without my knowledge or consent. I discovered the issue after receiving an alert from XXXX XXXX XXXX on XX/XX/year>. The vehicle is a XXXX XXXX XXXX with a value exceeding XXXX. I never applied, authorized, or consent to any auto loan for this vehicle. I contacted Ally and they told me the loan must be refinanced as only alternative for resolution which I unable to do because I do not have the vehicle neither authorize the loan in any way. I requested to them documentation about this loan that never have been shared with me. I also contacted their fraud department and sent to them an affidavit notarized, proof of my identity with a copy of my driver license, an identity theft report. However, they do not continue the investigation because they do not accept all those documents asking for a police report. I explained to the Ally fraud agent the police department in XXXX XXXX, when I live, do not create a police report because the issue happened in another state but I provided all documentation needed and they do not procced accordingly. in addition to request all documentation they used to approved this loan I also questioned the process they follow to grant a loan but nothing was shared with me in that instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I am filing a complaint against First Credit Services for reporting an unverified and inaccurate debt on my credit report. I do not recognize this account and have not been provided proper validation of this alleged debt. Despite the requirements under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), this company is reporting information that has not been verified with documentation bearing my signature or proof of legal authority to collect. I am requesting that First Credit Services : 1. Provide full validation of this debt, including the original signed agreement and chain of ownership, or 2. Immediately delete this account from all credit reporting agencies. Reporting unverified information is a violation of federal law. I am requesting prompt investigation and resolution. I am seeking deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/2026, I received an email from XXXX XXXX notifying me that my annual membership payment of {$1500.00} had been sent for processing and would be collected from my bank account within two to three days. Upon receiving this notice, I cancelled my membership on XX/XX/2026, through their official cancellation process. I received a confirmation email from XXXX XXXX on XX/XX/XXXX acknowledging my resignation and thanking me for completing the cancellation form. Despite having cancelled before the payment was collected, XXXX XXXX proceeded to debit {$1500.00} from my checking account on XX/XX/2026. This charge was processed after my cancellation was already confirmed, making it an unauthorized ACH debit. Since then, I have attempted to contact XXXX XXXX by phone every day for over a week to request a refund. Each call has resulted in approximately 25 minutes on hold before the call automatically disconnects. I have been completely unable to reach a representative through any channel. I also filed a dispute with my bank, which was denied. I believe this denial was in error, as the ACH debit was initiated after I had revoked my authorization by cancelling my membership. Under Regulation E, a recurring ACH debit processed after the consumer has revoked authorization constitutes an unauthorized electronic fund transfer. I am requesting a full refund of {$1500.00}. I have documentation including the original renewal notice ( XX/XX/XXXX ), the cancellation confirmation ( XX/XX/XXXX ), and my bank statement showing the charge posted ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - XXXX XXXX XXXX XXXX XXXX Validation of Debt Request - SPRINGOAKS - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Fidem Baltimore Holdings LLC
State: MI

Complaint narrative:
Originally the card same from XXXX XXXX. They eventually sold off the card to a different company. They current company got rid of the app that was working just fine and created a new website that is full of bugs and issues. There is no way to use rewards after several months of the new website and when you attempt to call the number on the back of the card and on the website it states that the number has been disconnect. There is XXXX way to contact the company to use the remainder of rewards and then close the account like I desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: LA

Complaint narrative:
My XXXX, XXXX XXXX, received XXXX private loans from Sallie Mae. They were deferred until he received his XXXX XXXX XX/XX/year>. He informed that he was not working and request to be placed in reduce repayment program in which he was approved. He setup automatic drafts that has been coming out monthly since XXXX ; however, I was notified by XXXX that I have a negative reporting on my credit from XXXX as the loan XXXX. I contact Sallie Mae about it, and was informed by the agent to send a certified letter and the adverse negative reporting would be removed. I sent the certified letter as instructed. I have repeatedly call the company to follow-up and I have received XXXX XXXX XXXX screaming at me to pay more money and not addressing the initial call or letter sent. When I demand a XXXX, I am left on hold for over XXXX hours. When I call back, the XXXX abruptly hangs up the phone. My credit is very important to me and I am at an impasse in getting the issue resolve. My XXXX also called and provided the payment dates for the automatic drafts, but all efforts has been unsuccessful. Emergency help is needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I overpaid on my vehicle loan with Santander Consumer USA and was issued a refund on a general-purpose prepaid debit card. Unknowing the card came with very little amount of time until it expired. When I attempted to access the funds, I was unable to use the card or create/login to an account because the account had been XXXX. I contacted Santander Consumer USA and was directed to contact XXXX. When I contacted XXXX, I was unable to receive assistance because the account is XXXX and the system will not allow access without an active account. As a result, I can not access the money that I overpaid, and was refunded by the company. I am requesting that the funds be reissued via replacement card, check, or direct transfer so I can access my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I have no dates, only an amount from XXXX XXXX when I ran my credit report. {$10000.00}. I was not notified about any debt nor about anything going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I signed up for the Bilt Credit Card several months ago because of the advertising of XXXX XXXX XXXX. The terms were that you could pay rent with the Bilt Card and it would provide you with a routing and account number so you would avoid any percentage transaction fees and pay off the card over the month. I did this successfully until they suddenly switched off XXXX XXXX as a partner. They sent me the new card XX/XX/XXXX and I had no concerns switching over. I did the exact same steps on this card, input the account and routing numbers and submit my rent payment. Everything was fine up until XXXX hours later ( today ) I get a notice from my bank that my account is overdrawn due to bilt immediately deducting the entire rent payment from my personal bank account. I had no idea what happened, so I tried finding their customer service. All they have is XXXX XXXX to chat with and upon requesting any sort of XXXX, they tell me a higher volume than normal requests are coming in, youll be answered in a queue which I can not wait for, as I will be hit with overdraft fees after XXXX hours. I called every possible phone number associated with this company and was told we just switched the program so we dont have the rent payments on the credit line anymore which I would like to clarify, was NEVER explicitly stated or given notice to customers. I have pled and begged to speak with someone to reverse this charge and all they tell me is the customer service has to be done via chat which I can not wait for and theres no guarantees anyone will get back to you today which I need in order to not get overdraft fees. I have tried everything to get help with this, and no one will speak to me. This is absolutely unacceptable for this company to give NO INDICATION that the ENTIRE purpose of this card is no longer applicable. This is horrendous business and putting people like me in severe financial stress. I have so many bills on XXXX that will suffocate me with this overdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Narrative Company : Bank of America , N.A . Product : Credit Card Issue : Billing dispute Investigation handling Desired resolution : Credit of {$3900.00} to account ________________________________________ Complaint Narrative My name is XXXX XXXX. This complaint concerns my Bank of America personal credit card account ending in XXXX and Claim No. XXXX. I am submitting this complaint regarding Bank of Americas handling of a billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). The disputed charge ( {$3900.00} ) relates to a paid Safety & Preventative Maintenance Inspection performed by a XXXX dealership . Shortly after that inspection, substantial additional defects were identified in excess of {$22000.00}, including suspension components that subsequently failed. My dispute was based on services not rendered as represented specifically, that the safety inspection was materially incomplete and failed to disclose significant defects. Bank of America denied the claim stating only that it was unable to determine that an error occurred. This response does not address whether the services were performed as represented, nor does it indicate that a meaningful investigation into the adequacy or completeness of the inspection was conducted. The determination appears to rely solely on merchant-submitted documentation. Under the Fair Credit Billing Act, a creditor must conduct a reasonable investigation and either correct the error or explain why the bill is correct. Simply stating that an error could not be determined does not resolve whether the services billed were delivered as described. I respectfully request that Bank of America conduct a supplemental investigation addressing whether the inspection was materially incomplete and provide the documentation relied upon in denying my claim.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am filing a complaint regarding Bank of America closing my checking account on XX/XX/2025 and reporting it to XXXX as XXXX XXXX XXXX. I was the victim of an online counterfeit check scam. I deposited a check believing it was legitimate. I did not withdraw, transfer, or receive any funds from the deposit. The account was closed with No Monetary Loss, confirming the bank did not incur a loss. Despite this, the bank reported the account as XXXX XXXX XXXX, which implies intentional wrongdoing. I did not knowingly engage in fraud and was a XXXX of a scam. I previously disputed this through XXXX, and the bank verified the reporting without addressing that no funds were withdrawn and no loss occurred. This reporting is preventing me from obtaining basic banking services. I respectfully request that Bank of America review this matter and correct or remove the XXXX XXXX XXXX designation to accurately reflect that I was a scam XXXX and that no monetary loss occurred.

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