vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/year> I placed order # XXXX with XXXX XXXX XXXX and paid {$540.00} via debit card. On XX/XX/year> I received the order and immediately contacted the merchant in writing to report that part # XXXX ( XXXX XXXX XXXX XXXX XXXX, valued at {$170.00} ) was missing from the order. I requested a refund of {$170.00} for the undelivered item. On XX/XX/year> the merchant acknowledged the issue and indicated they would look into it. Between XX/XX/year> and XX/XX/year> I sent multiple follow up emails requesting either the missing part or a refund and received no resolution. On XX/XX/year> I was told the part had been delivered, however I never received it and was provided no tracking information to verify this claim. On XX/XX/year> I sent another follow up still requesting the refund. On XX/XX/year> having received no refund or resolution after nearly a month, I notified the merchant I was disputing the amount with my bank and filed a dispute with Wells Fargo for {$170.00}. Wells Fargo provisionally credited my account {$360.00} an amount that does not correspond to the disputed amount of {$170.00}. Wells Fargo then apparently claimed the full {$540.00} from the merchant. My account statement shows only the original {$540.00} debit and the {$360.00} provisional credit. No additional credits appear. When I contacted Wells Fargo claims department to reconcile this discrepancy, I was told their records did not go back far enough to access the claim history. They provided two specific transaction dates that should have resolved the discrepancy a {$170.00} transaction on XX/XX/year> and a {$180.00} transaction on XX/XX/year> however neither transaction appears on my account statement. Wells Fargo customer service also could not locate these transactions. The result is that Wells Fargo recovered the full {$540.00} from the merchant. I should have received {$170.00} back for the undelivered parts, and the merchant should have retained {$360.00} for the parts I did receive. Instead I received {$360.00} back, the merchant was charged the full {$540.00}, and the {$170.00} and the {$180.00} transactions that would have straightened everything out remain unaccounted for. The merchant has since sent the account to collections for {$540.00} despite Wells Fargo having already recovered that full amount from them.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
santader bank, My name is XXXX XXXX, i have a business account with santander for over 20 years. in XX/XX/XXXX, i noticed a charge on my account for {$4700.00} I know i did not write a check for this amount. further investigation on my part found i had written a check to national grid for approx XXXX and mailed to the utility company via XXXX. somehow check was taken from mail and altered to the sum of {$4700.00}. I immediately reported to santader and the account was closed/frozen. my account was also hit up for money transfers since the person now had account/routing #. one of those transaction went through. the bank quickly refunded that amount of XXXX no word on the check., received a letter at the end of XXXX to submit information of the fraud. i complied with request, notarizing ( i had to pay as noone in bank ) the bank rep also sent via e mail on XX/XX/XXXX. no updates were given/ no written notice that bank received the info i sent. i called the branch and spoke to XXXX XXXX, he was helpful as best he could. Basically XXXX dept not getting back to him either. i called central XXXX dept on XX/XX/XXXX, spoke with XXXX ( supervisor ). He said no update/under investigation, could go up to 90 days, I said this is taking too long and i want provisional credit as {$4700.00} taken from my account. he said this does not qualify for provisional credit. over 20 years customer/ no problems, basically told can not help you, wait for investigation and will not supply written update. guirmo would not give me his last name either. It is now 60 days since this situation has occurred, nothing has been resolved, I am out XXXX, no provisional credit will be granted even though i have been a good customer for over 20 years. this is terrible customer service.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am filing a complaint regarding a {$52000.00} fraudulent transaction that my credit card issuer has incorrectly determined to be authorized. I was a victim of a real-time impersonation scam. An individual posing as my Card company contacted me and instructed me to approve a small transaction described as a system reset. Under that false pretense, I clicked " yes '' to a low dollar transaction.I did not authorize a large transfer, cash advance, or non-purchase transaction. Shortly after I noticed several transactions of large amounts processed on my account. I had actively declined fraud alerts related to another transaction and notified the Card company! despite tithes, these transactions were allowed to proceed and exceeded my credit limit. The issuer is claiming that my approval of the initial transaction constitutes authorization for the {$52000.00} in transfers. This is incorrect. The approval was obtained through deception and was limited in scope. The situation involves : XXXX XXXX XXXX ( Card company Impersonation ) A transaction exceeding the approval amount A charge in transaction type ( non purchase transfer Approval above my credit limit Failure of fraud detection systems despite declined alerts I am requesting that the issuer : Reverse the {$52000.00} chargesCorrect the classification from authorized to Fraudulent Provide documentation supporting their determination I did not knowingly authorize the transactions. This is a case of fraud, not customer negligence.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/year> {$780.00} XXXX XXXXXXXX XXXX XXXX. XX/XX/year> {$930.00} XXXX XXXX XXXX XXXX XX/XX/year> {$810.00} XXXX XXXX XX/XX/year> {$300.00} Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect - you must cease all collection efforts and remove the information from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Radius Global Solutions. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Radius Global Solutions currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Radius Global Solutions. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

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 2026-04-16 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/year>, I was directed by a tuk-tuk driver to a gem merchant called XXXX XXXX XXXX XXXX, XXXX a scheme explicitly documented on the official XXXX XXXX XXXX website XXXX the XXXX or XXXX XXXX XXXX Scam. I purchased XXXX pieces of jewelry represented as natural blue sapphires for {$9500.00} on my Apple Card ( Goldman Sachs Bank USA ). Upon returning to the United States, I had the items professionally evaluated by an independent certified jeweler. Their signed written assessment confirmed the center stone tests as a sapphire doublet a manufactured composite stone. A doublet can not be a natural sapphire. I also filed an official XXXX police report the following day. I filed a dispute with Goldman Sachs XXXX XXXX XXXX ). Despite submitting the gemologists report, police report, and XXXX XXXX documentation, Goldman Sachs denied the dispute ruling the goods were accurately represented at the time of purchase. This conclusion directly contradicts the independent gemologists physical finding. I filed a formal appeal under the Fair Credit Billing Act. Goldman reopened the case ( XXXX XXXX ) with a deadline of XX/XX/year>, and requested additional documents by XX/XX/year>. I have submitted a full rebuttal with all evidence. Goldman has now denied or reopened this dispute multiple times without resolution despite clear proof of material misrepresentation. I am requesting the CFPB investigate Goldman Sachs handling of this dispute and require reversal of the {$9500.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding a denied fraud claim for unauthorized transactions totaling {$1300.00} on my account with Wells Fargo. On XX/XX/XXXX, I requested a replacement debit card after realizing my card was missing. This was done before any of the unauthorized transactions occurred. After that, multiple unauthorized transactions were made across different states and merchants, including online purchases and digital wallet transactions. I did not authorize any of these transactions. I later discovered that my card was added to a digital wallet on a device that is not mine. This indicates unauthorized access and use of my card information. I reported the fraud and filed a police report. I also have confirmation emails showing that my replacement card request was submitted and that a new card was shipped. This contradicts the banks statement that no request was made. Some of the disputed transactions were marked as removed from my claim without my authorization, and I was not provided with a clear explanation for this. I requested detailed information from the bank regarding the evidence used to deny my claim, including how the transactions were verified and what device or authentication methods were used. This information was not adequately provided. Despite the evidence, my claim was denied based on what appears to be incomplete or incorrect information. I am requesting a full reinvestigation of all unauthorized transactions, a complete explanation of the evidence used in the denial, and reimbursement of the {$1300.00} under Regulation E protections for unauthorized electronic fund transfers.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged {$100.00} in overdraft fees that appear to come from a single insufficient funds event. Transactions I made before my account became negative posted afterward, triggering multiple overdraft fees. I contacted the bank 2 weeks ago about the same issue but they resolved it. This time I contacted customer service multiple times and requested escalation. I was told there is no one above the managers and no further review is available. I was also told they could not do anything about the fees. I am requesting a full audit of transaction posting order and overdraft fee assessment, and a refund of these fees, as they appear to be the result of how transactions were processed rather than separate overdraft decisions. Additionally, I opened an account under a {$300.00} promotional offer and met all required conditions. A manager reviewed my account and confirmed that I qualified, and a ticket was submitted on my behalf. However, I was still denied the promotional credit due to a system determination that I did not meet the requirements, which contradicts what I was told. This issue has also not been resolved despite multiple contacts. Between this and the overdraft fee issue, I am experiencing repeated problems where valid concerns are not being properly addressed.

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am filing a complaint regarding a billing dispute on my Apple Card issued by Goldman Sachs. I had a written agreement with a merchant for a service priced at {$300.00}. This agreement was confirmed in writing prior to the appointment. On XX/XX/year>, I was charged {$680.00} for the service, including tip. There was no written agreement authorizing this higher amount. At the time of the appointment, I was already in transit, which limited my ability to decline or make alternative arrangements. I submitted a dispute with supporting documentation, including the written agreement, proof of travel to the appointment, and the final charge. Despite this, my previous disputes were denied. I am requesting a proper review of my submitted evidence and a correction of the billing error for the amount charged above the agreed price.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
Sofi approved loan of {$60000.00} on XX/XX/year>. I have yet to receive funds. They sent it to wrong account, an account I did not provide to them. They are refusing to pay me correctly until funds are returned to the from wrong account. They are mandating I make payments despite not having money and I am accruing interest on money I have not received. As of today interest is {$180.00}. I requested an elevated complaint and was denied. I also requested to cancel loan due to this poor business practice and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ

Complaint narrative:
I requested a payoff amount for my loan and was provided a payoff figure. I approved the payoff withdrawal on XX/XX/year>, and a final payment of {$88000.00} was processed on XX/XX/year>, which was confirmed by the lender as satisfying the loan. However, an additional withdrawal of {$2500.00} was also taken on XX/XX/year> due to autopay. This results in a total amount paid of approximately {$91000.00}, which exceeds the confirmed payoff amount provided by XXXX. Additionally, the amortization schedule, the payoff letter, and the actual payment and withdrawal activity do not align with each other, creating multiple inconsistencies in how the payoff was calculated and applied. The additional withdrawal causes the total amount paid to exceed both the loan balance and the confirmed payoff amount. I requested a detailed payoff breakdown, full payment history, and an explanation for the additional {$2500.00} withdrawal, including how the payoff amount was calculated. I did not receive a clear or complete explanation reconciling these discrepancies. Instead, XXXX referenced a statement that this payoff figure accounts for the last payment made on XX/XX/year>, which does not explain or justify retaining the additional funds withdrawn. Based on the above, I believe there has been an overpayment. I am requesting a full accounting of the loan, a clear explanation of all discrepancies, confirmation of the correct payoff amount and payoff status, and a refund of any overpayment. Amortization schedules do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Beginning with the XXXX credit report/score update received on XX/XX/year>, a credit card account of mine was duplicated only on XXXX, causing my score to drop XXXX points. I have held a credit card with " XXXX '' ( issued by XXXX XXXX Bank ) for several years, and it has been reported on my credit scores as such. However, XXXX was acquired by XXXX, and on the above mentioned date a second copy of this same credit account was added to my XXXX score titled, " XXXX XXXX '' with identical information, now showing both that and the XXXX account as having balances. On XX/XX/year> I reached out to XXXX support at " XXXX '' describing this error, but have received no response in almost two months, and no updated information is provided in the app if there is a Robinhood contact that should be used as an alternative. Additionally I do not have a Robinhood or XXXX XXXX Bank account through which to contact their customer service. In the absence of any response from XXXX customer service, I submitted a dispute to XXXX on XX/XX/year>, confirmation number XXXX, to remedy the issue. Today, XX/XX/year> I received the response to that dispute closing it out with no action taken simply saying the account information was valid, and no corrections were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Portfolio Recovery Associates. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Portfolio Recovery Associates currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Portfolio Recovery Associates. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with non-monetary relief