vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have a loan with Discover, with predatory/ Deceptive practices, an APR of XXXX on a loan of {$40000.00}. I have paid on the loan without failure ; to discover my principal barely reducing its sum after paying on the loan for 13 months, I requested to have it refinanced at a lower XXXX, but was denied. I spoke with six ( 6 ) different agents, and no one was able to help. Please advise or redirect for further assistant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: FL

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of unauthorized account takeover fraud and improper reversal of a provisional credit under Regulation E. On XX/XX/2025, I reported unauthorized access to my checking account. An unknown third party had accessed my online banking, filed disputes impersonating me, and triggered provisional credits. Wells Fargo issued a provisional credit of {$1100.00} while investigating. On XX/XX/2025, during a call attempting to stop the fraud, I was asked whether I personally initiated the disputes. I truthfully answered that I did not initiate them, as they were submitted by an unauthorized third party. Wells Fargo later interpreted that response as a withdrawal of my claim and reversed the {$1100.00} provisional credit. I did not knowingly or intentionally withdraw the claim. Wells Fargo has not produced call recordings, transcripts, authentication logs, or written confirmation demonstrating that I clearly authorized claim withdrawal. Over the following months, provisional credits were issued and removed multiple times, creating financial instability. As a result, my account became negative, and I experienced cascading financial hardship, including vehicle repossession and ongoing transportation expenses. This matter has now extended approximately eight months. Wells Fargo has closed the case without providing documented proof of authorization for the alleged claim withdrawal. I am requesting : Production of call recordings and authentication logs Reinstatement of the improperly reversed {$1100.00} Correction of the negative account status Confirmation of compliance with Regulation E investigation requirements This complaint concerns procedural failure and improper reliance on an alleged claim withdrawal during a period of confirmed account compromise.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was XXXX late XXXX with a near fatal car accident the insurance claim check was sent to navy Federal after I was discharged out of the hospital and told not to put any pressure on my feet for 12 weeks i started accessing my account to pay for bills due. Navy Federal put a block on my account without contacting me via email phone call letter text message or secure message. I was told to come into the branch which I physically can not do. After multiple conversations with agents I requested for my account to be closed. I am demanding that my Funds Be mailed to me Immediately to the address on file. Due to my near Fatal car accident I am behind on a lot of bills and XXXX XXXX XXXX has compensated me the fact that I don't have access to my money in the time I need as I am injured and behind on on bills makes this situation that much more serious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am filing this formal complaint against Wise ( TransferWise Inc. ) for its failure to resolve a fund recall issue caused by its partner bank 's gross negligence. My funds ( {$1000.00} ) have been stuck at XXXX XXXX since XX/XX/XXXX. According to the official response from XXXX Bank to the CFPB ( Ref : XXXX, attached ), XXXXXXXX XXXX confirmed that they received a recall request from Wises partner bank ( XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. However, XXXX XXXX XXXX provided an INCORRECT trace number, which caused the recall to fail. XXXX XXXX has explicitly provided the CORRECT trace number : XXXX and instructed that an updated request be sent. I have provided this information to Wise multiple times, but Wise has failed to act, providing only generic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Dear SECU Dispute Department, I am writing to formally dispute the {$1200.00} transaction posted to my account on XX/XX/XXXX. This transaction was unauthorized. My phone and attached card case were briefly out of my possession after being left in the bathroom at the grocery store. When the device was returned to me, I discovered that this {$1200.00} transaction had been processed without my knowledge or authorization. I did not initiate, approve, or benefit from this transaction in any way. I reported this matter promptly upon discovery and immediately took steps to secure my account, including canceling my card. Because this transaction was made without my authorization, it qualifies as an unauthorized electronic fund transfer under Regulation E. While my PIN was stored inside my card case for memory purposes, I did not provide my PIN to any individual, nor did I authorize anyone to access my account. The fact that my personal property was accessed without my consent does not make this an authorized transaction. Under Regulation E, I am requesting : 1. Written confirmation that this claim is being processed as an unauthorized electronic fund transfer. 2. Copies of any documentation or evidence used to determine whether this transaction was authorized. 3. Provisional credit if the investigation has not yet been completed. 4. A written explanation of findings if the claim has been or will be denied. Please treat this correspondence as a formal request for full investigation under federal electronic fund transfer protections. I expect a written response within the timeframe required by Regulation E. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: PA

Complaint narrative:
My house burnt in XX/XX/year>XXXX XXXX XXXX insurance adjuster XXXX XXXX told me I couldn't tear it down he had his friend contractor with him said I couldn't tear it down and I had to use his company XXXX XXXX XXXX. A week later I got the estimate and I didn't agree. I already checked on a house to sit on my foundation for a {$16000.00} which was cheaper than his estimate of {$220000.00} he still denied. XXXX XXXX XXXX started demolition took 3 days of XXXX XXXX. Charged me $ XXXXwwaited 3 weeks no progress being done no plans for rebuilding. I fired them. XXXX XXXX XXXX neighbor XXXX XXXX to start he wanted {$55000.00} for the whole rebuilding. I paid him {$35000.00} three months of just doing drywall and terrible work. Caught him and employee doing method in my basement had to fire them too.had a friend finish what he could to get moved in h XX/XX/XXXX so I've lost money ending up running out and my furnace had 5 times being fixed that's why my 3 payment are late not 5 payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I went online to submit a payment XXXX for {$190.00} via debit card. I just so happened to look at my account and noticed I was charged {$1600.00}, which I did not authorize. I immediately called GM Financial and explained the situation then requested a refund. They said they could not issue a refund until tomorrow XXXX and they only issue a refund via check in the mail which they would overnight me the check. I explained to them I have bills that are due and can not wait until a check clears, which they then instructed me to contact my bank, XXXXXXXX XXXX. I contacted XXXX XXXX to of which they said I would have to make a fraud claim and wait 10 business day to receive any provisions. The options they gave me are wait the 10 days, take out a loan, or receive a refund. I expressed to them that is totally unacceptable as this is an unauthorized transaction then requested a supervisor. The supervisor told me I would have to call GM Financial becuase XXXX XXXX could not do anything to provide me with my funds. I then called GM Financial and requested a supervisor which then the supervisor instructed me to call XXXX XXXX because they money is on hold or wait to issue a check. I cited Regulation E and then called XXXX XXXX again which I reiterated Regulation E rights and protections. I told them I am having financial hardships and I could not wait to up to 10 business days due to bills that I have to pay. They told me there was nothing they could do which then I requested this issue be escalated which they refused to do and stated there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX which represents multiple brick and mortar signature loan companies, I reached out to them as I was wanting to settle debt owed however the representative ( XXXX XXXX continued to attempt to collect a debt for Money Services of Oklahoma City which was discharged in a XXXX XXXX bankruptcy in XX/XX/XXXX, she claims that the wrong location was included in that bankruptcy, however I have documentation which shows the original creditor along with other alias that the business could operate under. This situation needs to be addressed, and for this I believe that the agency should take a settlement for 3 other loans that are valid which are from mid XXXX and XXXX, they are Loans on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I only called to work it out not to have someone illegally attempt to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My Credit Karma Money account was frozen after receiving my IRS tax refund filed through XXXX. I have been unable to access my funds and can not get a clear timeline or explanation from customer support. These are my only available funds and I am requesting immediate access or formal disbursement of my full balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
Alliant Capital/ XXXX XXXX XXXX XXXX Call my daughter at school and harass her, then call my son at work, harassing him, acting very unprofessional and demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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 Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with chase bank on XXXX XXXX, I had a direct deposit sent to the account from my employer, when i tried to make a credit card payment from the chase account to my other bank and the payment was sent twice resulting in an overdraft on my new chase checking account, i called chase bank immediately and was told not to worry that the fund will be reversed and that it wouldn't be an issue. i woke up this morning to see that my checking account have been closed without any explanations, they have already reversed the overdraft payment but went ahead to close my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NC

Complaint narrative:
On XX/XX/year>, I reached out to customer service through online chat to receive copies of old financial documents related to my account such as old billing statements and old repayment plan documents that were older than 12 months. I do not have access to these documents in my portal due to them disappearing after 12 months. Upon request of these documents, I was met with the company does not re send old billing statements. However, I am entitled to my financial records regarding this account. The company involved is EdFinancial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXXI called to customer service to update my phone number, by my mistake I gave the phone with an error and now I cant access to my account. XXXXWhen I requested the change the teller didnt verified the new phone number sending me a code or phone call so that new number was never verified so I need to request to reinstate the previous phone number on file XXXX XXXX XXXX (the one given when I opened the account) As I dont have SSN (I opened this being non resident alient with foreing passport) by the callcenter they cant help me, and now Im in XXXX so I cant go to the branch'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: TX

Complaint narrative:
I am submitting this complaint regarding improper servicing of my auto loan. My contractual payment is {$260.00} bi-weekly. A payment was approved for deferment, yet my account was later changed to reflect {$280.00}, which includes an unauthorized charge. I began attempting to resolve this error prior to the due date. While the deferment and incorrect amount were still in dispute, I was threatened with repossession if I did not make payment the same day. I did not authorize a voluntary repossession, and no written agreement exists. I am making the payment today under protest, solely to avoid further harm, while disputes and complaints are pending. Additionally, the vehicle has ongoing mechanical issues, including stalling and shutting off. I have taken it to XXXX repair shops without resolution. I am being pressured to continue paying on an unsafe vehicle while being threatened with repossession. I am requesting investigation and assistance in being released from this loan due to bad-faith servicing, billing errors, and unsafe vehicle conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I had 90 dollars stored inside my Cash App account While I was asleep it was hacked and a unknown person sent the money to themselves I live alone so i dont know who this person was or is I request it back and they denied it I asked cashapp to request refund they denied it I just want my money returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was gifted an AMEX gift card for XXXX for my children with a balance of {$1500.00}. I added the card to my XXXX XXXX and used it for grocery purchases at XXXX and other stores. I live in XXXX. On XX/XX/XXXX I used it in XXXX XXXX. The next day my card was used in XXXX and XXXX in XXXX XXXX, XXXX. My card funds were wiped from my card within XXXX minutes. {$450.00} in XXXX and {$480.00} in XXXX. I discovered the theft when I went to buy groceries for my family in XXXX. All of a sudden my card wouldn't work. I knew I had a balance of {$980.00} left in my card. When I checked the app I realized it was stolen. I immediately called AMEX and explained what happened. The transactions were still pending with both XXXX and XXXX. I was assured that I would receive a full refund for the stolen funds and was told to fill out a complaint. I did. On XX/XX/XXXX they acknowledged my complaint and I was told to wait up to 90 days for a response and a refund. Today, XX/XX/XXXX, I received an email from AMEX saying they will not refund the amount because they think I gave my information to a third party either by phone or via the internet. I did not. I know very well not to do that and as they can see from my purchases, that I made all of them in person. I'm having a hard time understanding why they did not stop the charges while they were pending and why I was told by 2 different agents that I would receive a refund because clearly my money was stolen. Could you please help me. AMEX didn't even offer to refund partial. Nothing. This is not fair to me but especially to my kids. AMEX needs to do better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I bought a American Express gift card Sunday from XXXX I put {$500.00} in the card I was browsing the Internet to see what I would use the American Express gift card on next thing I know when I'm on the Website to activate my gift card it shows the {$500.00} I then proceed with browsing the Internet I was looking at some stuff I then go to XXXX XXXX XXXX and try to use the card and XXXX XXXX says contact your bank so I go to gift card website and to my surprise it showed that someone tried to order a storage device thing and a leather jacket which I did not purchase I was trying to use the gift card on XXXX XXXX not buy a storage device thing or a leather jacket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I requested closure of my Bank of America checking account. At that time, the remaining balance of approximately {$110.00} was transferred to my new Bank of America account at my direction. I was informed that the account closure could be delayed if pending transactions attempted to post. Shortly thereafter, a credit card company attempted to debit the closed account. Bank of America informed me that the account would not close until billing attempts stopped. However, the account had already been removed from my online banking dashboard and mobile app, leaving me without access to monitor or manage it. Despite my repeated requests, Bank of America refused to block or permanently reject further ACH attempts from this merchant. I specifically requested that they either block the recurring debit or redirect payment to my new account, which had sufficient funds. They stated they could not do so and that the account could not close until billing attempts ceased. Meanwhile, the credit card company continued attempting to debit the closed account multiple times, stating it was their policy to retry payments. This created an ongoing loop in which the bank would not close the account, the merchant continued attempts, and I continued receiving insufficient funds notifications. I had no ability to manage the account because it was removed from my online access.

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
b'Was contacted by "XXXX" claiming to be Barclays Bank from phone number XXXX XXXX XXXX bringing up a fake charge from XXXX that looked to be fraud. Agent was using a voice changing box that made him have an XXXX accent. He asked to click password reset links on account and had the reset account come from the actual company email alertsXXXXLater in the call the voice altering technology that was being used to alter the voice to XXXX malfunctioned and a regular XXXX accent was exposed.'

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