vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NH

Complaint narrative:
I am submitting this complaint because my prior dispute was not resolved on the merits and appears to have closed or disappeared due to system limitations. 
I purchased an XXXX  bundle through Klarna in XX/XX/XXXX. The underlying seller was XXXX. The order was materially incomplete because paid accessories included in the purchase were never delivered. In XX/XX/XXXX, shortly after delivery of the incomplete order, the XXXX failed under normal use. 
I attempted to resolve the issue with the merchant, but the order was never completed and a lawful return was not facilitated. I disputed the charges. 
Klarna initially classified the issue as faulty goods and recorded refund adjustments and payment plan changes. Klarna later rejected the dispute due to an internal classification issue, stating it was submitted as full order missing rather than partial order missing, and then blocked further dispute review due to system limits. 
During a recorded phone call in XX/XX/XXXX, a Klarna representative stated that Klarna would only refund me if the merchant refunded Klarna first and further stated that because my bank reversed provisional credit, Klarna considers itself correct and held harmless. When I stated that conditioning a consumer refund on merchant reimbursement violates federal consumer protection law, the representative terminated the call without escalation or written determination. 
I am requesting escalation, correction of the account balance, and a written determination based on the merits of incomplete delivery and defective goods, not internal system limits, dispute categorization, merchant reimbursement, or a banks procedural denial. I have attached a reconstructed transcription of our call and can provide the actual recording upon request. It is XXXX. ( XXXX minutes ) however the key statements are near the end of the call the last XXXX minutes. I did give notice of the call being recorded at the beginning of the call - also heard on call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank keeps calling multiple times a days. 5 times just today. XX/XX/year> and the representative also called from a private number and when answered she asked if I was the person in question she never stated XXXX or XXXX She was rude and wouldn't let me talk and hung up on me after I told her she was harassing me, after missing XXXX payment last month and before she hung up she threatened me with a minimum {$50.00} fine for me voicing my concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I booked a reservation through XXXX for a listing titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listing used the XXXX XXXX XXXX XXXX name, photos, and branding, which led me to believe I was booking a standard hotel-managed room. A few days later, I learned that the reservation was not a hotel-managed room but a privately managed third-party suite operated by XXXXXXXX XXXX which was not clearly disclosed at the time of booking. 

I contacted XXXX shortly after discovering this issue to request a cancellation, but XXXX stated they could not assist because the third-party operator marked the booking as non-refundable. I then filed a dispute with Capital One, explaining that the charge was misrepresented. 

I was informed by XXXX that if I continued with the dispute, the reservation would be canceled and the funds would not be returned. When I contacted Capital One on XX/XX/year>, between approximately XXXX AM and XXXX PM, to cancel the dispute due to this risk, a Capital One representative advised me to continue, stating that I had a strong chance of success. I relied on this guidance. As a result, the reservation was canceled and I did not receive the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX debit card recieved from CitiBank with an account I did not open XXXX XXXX recieved a letter from Citii Bank savings account overdrawn and I do not have a savings account

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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
A week ago, Advantage provided a refund amount of XXXX and verified my address to have the Treasury department send a check which will be received in between 2-4 weeks. Today, I followed up and was told they have no information about the refund amount and it takes 7 months which is the opposite of what I was told a week ago. My loans have been discharged, I am anxiously awaiting the refund and need clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am disputing a solar home-improvement loan serviced by Mosaic. The solar installer made material misrepresentations at the time of sale and closing, including promises of a {$0.00} electricity bill and the ability to sell excess power back to XXXX. I was also told my roof was suitable for solar installation, which later proved false. XXXX years after installation, I was forced to pay approximately {$8000.00} out of pocket to remove and reinstall the solar panels in order to replace my roof. 

The solar company is no longer in business, and Mosaic has since filed for bankruptcy protection. Despite this, I remain obligated on a loan for a system that did not perform as promised and caused significant financial harm. I sent a written demand letter disputing the loan and requesting relief. I am requesting investigation, loan cancellation or appropriate remediation due to deceptive sales practices and failure of consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Ally Bank in connection with a motor vehicle financing transaction. 

I signed financing documents believing I would act solely as a co-signer on XX/XX/XXXX. I discovered on XX/XX/XXXX I was listed as owner/primary borrower, due to misrepresentation by the dealer by coincidence. 

I immediately contacted Ally Bank where I was given a case number XXXX and I requested, in writing, correction of the record and explanation of the case status. The bank has verbally reported the case is closed when I called on XX/XX/XXXX and I have not received written notice, documentation, or rationale on an excuse of 'forgot to call '. During these two years the bank never verified my identity as the address and phone number listed under my name did not correspond to me if not the owner of the vehicle. All proof was submitted to the bank. 
The bank states the issue is the dealers responsibility, despite having processed the loan and applied charges. Even though the loan has been liquidated for my credit protection I do not renounce my rights to reclaim the corrections of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
I am submitting a new complaint based on new information that was not addressed in my prior CFPB complaint, which has since been closed. In response to my prior complaint,
PatientFi asserted that monthly billing statements sent to me included specific disclosure language stating : Deferred Interest Your principal loan balance must be paid in full on or before XX/XX/year> to avoid paying accrued interest charges.

However, the regular electronic billing communications I actually received from PatientFi did not contain this language. The emails emphasized only the minimum monthly payment, due date, and AutoPay status, and did not disclose the promotional end date, payoff deadline, or any warning that paying only the minimum would trigger accrued interest.

I am attaching examples of the recurring billing emails I received, which demonstrate that the communications did not clearly or affirmatively disclose the deferred-interest payoff deadline or consequences. These emails were the primary method by which PatientFi communicated with me.

The discrepancy between what PatientFi claims was disclosed and what was actually communicated to me raises concerns about misleading or incomplete billing communications and whether the disclosures were adequate in practice for consumers receiving electronic statements.

Once I became aware that interest would be assessed, I promptly paid the remaining principal balance in full. I am requesting CFPB assistance in reviewing whether PatientFis billing communications were misleading or insufficient and in facilitating a fair resolution, including refund or waiver of accrued interest.

I have attached documents showing the standard monthly billing communications, the final principle balance, the confirmation of the principle balance being paid, and the response where PatientFi claimed they sent my monthly information, which they did not. ( This last document would not load due to a limit ; it can be referenced in complaint XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of a personal installment loan that resulted from fraud-induced borrowing and the banks refusal to provide a reasonable written fraud dispute process. 

On XX/XX/XXXX, I made multiple phone calls to Citibank Personal Loan customer service requesting contact information for a fraud department, including a phone number or email address. Citibank representatives refused to provide any fraud department contact or secure written submission method. 

On XX/XX/XXXX, I again contacted Citibank customer service by phone and requested a fraud department contact or written communication channel. Citibank again refused to provide any fraud phone number, email address, or secure upload option. Due to the lack of any written submission channel, I submitted my first written fraud dispute letter by fax on that date. 

On XX/XX/XXXX, I called Citibank to follow up. The call was handled by a representative identified as XXXX. During this call, I was pressured to verbally characterize and classify the dispute as a condition to proceed. I declined to provide verbal classification and requested that the review be based on my written submission. No written confirmation or review status was provided. 

On XX/XX/XXXX, having received no acknowledgment or response to my prior fax, I submitted a second written fraud dispute letter by fax. 

On XX/XX/XXXX, I again contacted Citibank to confirm receipt of my written disputes and to request a secure written fraud submission channel. The call was handled by a representative identified as XXXX. I was again pressured to verbally classify the dispute and Citibank again refused to provide any fraud department phone number, email address, or secure upload method.

As of today, Citibank has not confirmed receipt or logging of either written fraud dispute letter and has not provided any secure written channel for fraud disputes related to personal installment loans.

This complaint is not about inability to pay. It concerns fraud-induced borrowing and Citibanks failure to provide a reasonable, accessible, and secure process for submitting and reviewing fraud disputes.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I have been trying to get my credit card statements from the XXXX XXXX company since XX/XX/XXXX. I have emailed, called, and sent out mail, and still the company has been non-compliant with sending out a bill. On XX/XX/XXXX, at XXXXXXXX XXXX Central standard time, I called XXXX XXXX that the conditions of my credit card would change to a higher interest rate, which I refused to accept due to the exceptional payment history of my credit card, so I declined to renew on their terms and conditions since they refused to give me a better card or rate. XXXX told me that if I did not want to accept, then I needed to close the account, and I did. I continue to pay on this credit card every month online until the credit card company restricted me from seeing my bill or paying it electronically in XXXX of XXXX. 
I called customer service and spoke to XXXX, and he told me on XX/XX/XXXX, that payments could only be paid by mail or phone due to the reason my account was closed. 
A supervisor opened the website for me to pay the XX/XX/XXXX, XXXX, but after that, I could no longer go online and pay my bill for some reason. On XX/XX/XXXX, spoke to XXXX, who had left me a message on my phone. I returned her called and she stated that copies of my bills would be mailed to me. This has been told to me since XXXX of XXXX, and it is now XX/XX/XXXX, and I still do not have my bills. I sent out a payment on XX/XX/XXXX, by check # XXXX, and it posted to my account on XX/XX/XXXX, in the amount of {$1800.00}, not my regular payment amount. So this proves it does not take 90 days to receive mail from their company to my current address, which is on file with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My loan was transferred to another company and I can no longer access my online account because my password doesn't work. I tried calling and the system doesn't recognize my old account number. When I select that I'm a new customer, it says that if my loan was transferred I must use a special telephone number that was sent to me in the mail. The problem is that I never received this number in the mail or through any other type of correspondence including email.

I now can't pay my mortgage on time and it's going to incur a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I am writing to file a complaint regarding GoodLeaps handling of a formal dispute related to a solar loan for a property I own. I am not a signatory to the loan agreement.

I notified GoodLeap that the loan was formally disputed and requested that their position be provided in writing. During a phone call with a GoodLeap representative, I was informed that the dispute could be closed because I declined her options and declined to assume the loan.

I explicitly stated that I intended to submit concerns regarding sales representations and system performance in writing. Despite this, GoodLeap closed the dispute without evaluating those concerns and without providing a written investigation or response.

In GoodLeaps written closure email, they acknowledged that system performance concerns were mentioned but stated they did not evaluate them due to lack of documentation, even though I had not been given a reasonable opportunity to submit that documentation before the dispute was closed. 

The dispute was closed as Resolved without Customer Satisfaction, despite my express objection to closure and without a substantive investigation. Closure appears to have been conditioned on my acceptance of GoodLeaps preferred resolution options ( loan assumption or payoff ), rather than an evaluation of the dispute itself.

I believe this constitutes improper dispute handling and refusal to investigate, and I am requesting that the CFPB review GoodLeaps conduct and require a proper written response and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I was notified that my mortgage would be transferred from XXXX to AmeriHome ( XXXX days before my scheduled payment was due ). I paid my XXXX mortgage ( XXXX, which included an escrow shortage of {$320.00} ) to XXXX as soon as I was able to given the transfer, XX/XX/XXXX. The following day, I also paid the reported escrow shortage amount of {$3500.00}. I have been requesting an updated escrow analysis verifying my payments were applied, and an updated monthly payment since that time. Amerihome continues to provide inaccurate information, inaccurate payment amounts, and is unable to demonstrate that they are a reliable reporter or handler of my money. I did not consent to this mortgage transfer, I did not received appropriate notification under federal guidelines ( only got XXXX  days, not XXXX weeks ), and I do not believe Amerihome is capable of providing fair and reasonable services to consumers. Their customer service is atrocious, resulting in XXXX hours attempting to rectify the issue, still without success as of today, XX/XX/XXXX, ( including long wait times, untrained representatives, inaccurate information, unanswered emails, promised call backs that never come, overall poor response to valid concerns raised ). This is Unacceptable and these types of loan transfers should not occur with companies that do not meet the standards to manage these high volumes of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/2026 my debit card was not working so I contacted my bank US Bank. They bounced me around several departments and finally a lady told me that they are closing my account but cant me why set an investigation was done by an internal department within US Bank that they cant give me contact information for and they dont have contact information for that department. Theyre not allowed to talk to them their selves now theyre telling me it could take months before I can get the money thats sitting in my account if they did an internal investigation into me why wasnt I contacted? Why wasnt questions asked maybe I couldve cleared something up for them. It sounds to me like a mafia style sit down and done in the back of a breakfast club with no accountability. Just leaving the customer screwed over for months on in.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a Wells Fargo consumer checking account on XX/XX/year> under a promotion that offered a {$400.00} new account bonus after meeting specific qualifying requirements. I met all of the stated requirements within the required time frame. 

Under the promotions terms, the latest payout date for the bonus was XX/XX/year>, yet no bonus was deposited to my account. 

On XX/XX/year>, I contacted Wells Fargo customer service to ask about the missing bonus. The representative confirmed a ticket would be submitted for review and told me I would receive a response within XXXX business days. I never received any update, explanation, or resolution. 

I called again today and was told that Wells Fargo would need to submit another ticket and that I would have to wait another XXXX business days, despite the fact that the bonus should have been paid months ago and a ticket was already filed. 

Wells Fargo is repeatedly delaying resolution instead of honoring a valid promotional offer that I fully qualified for. 

This appears to be unfair and deceptive treatment of a consumer promotion. I relied on XXXX XXXX written offer, met the stated terms, and was told the bonus would be paid by XX/XX/year>. Instead : - The bonus was never paid- Wells Fargo failed to follow up on the first investigation - Wells Fargo is now restarting the process rather than resolving it This causes unnecessary financial harm and is inconsistent with how consumer promotions are supposed to be administered.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my identity was stolen and {$9300.00} was fraudulently transferred from my XXXX account to a Wells Fargo account. 

On XX/XX/year>, Immediately upon discovery, I reported this to the police and obtained a formal Police Report. 

On XX/XX/year> ], I personally visited a Wells Fargo branch to report the fraud. I presented the police report and demanded an immediate freeze on the recipient account to prevent the perpetrator from withdrawing my funds. 

However, the Wells Fargo representative refused to take any action or even place a temporary hold on the account, citing internal policies that they only respond to requests from the sending bank. 

Despite being put on " Actual Notice '' of a crime with official government documents ( Police Report ), Wells Fargo chose to remain passive. I am filing this complaint because the bank failed its duty of care by not taking reasonable steps to secure stolen funds when notified of the crime. I demand that Wells Fargo immediately freeze the account and fully cooperate with the recall request initiated by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation