vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am a lifelong Truist customer ( more than XXXX  years ) and the customer service at issue is deplorable. I overdrafted for a small amount 1 year ago due to a miscalculation of an incoming wire, a courtesy was provided, and I spoke with the bank and they said they enrolled me in overdraft protection to ensure this would not happen again. This is for my account ending in XXXX. This past week, a small charge came in before a XXXX wire came in ( on the same day ), and the overdraft protection did not work, and Truist alleges was never placed. 

I have called 8 times seeking the removal of the fee. It was denied. XXXX : reference fee for overdraft fee dated XXXX. I then received a call from Truist Wealth, as I am an attorney and was enrolled in this program at my last firm. The person who called on XXXX claimed to be a Truist Legal Wealth team member, and she was derogatory. Please listen to the call. She said I was not a " real Truist wealth member since I don't have enough in the account, and I " must have been signed up as an " intern '' during a law firm internship. '' I was shocked. I explained I am an attorney, and I am not sure why this matters. Is the explanation that only the wealthy are treated better? I explained I have multiple properties and other accounts, and I am unsure why she is stating I am poor and deserving of less treatment. I asked her to dispute the charge as this is plain robbery and an error of Truist, not me, and I have not heard back. I know this is a small overdraft fee ( {$36.00} ), but the principle is the issue. I am a lifelong client, I signed up for the protection, and you can't waive a fee because I don't have millions? You insinuate I am just a " legal intern '' and must have " been signed up during the internship ''. Unacceptable, derogatory, and not okay. Pls refund me immediately, and I would like to permanently close my account and move to a new bank.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I accepted a promotional offer for a XXXX XXXX credit card and spent {$1000.00} in the first XXXX days in exchange for a {$400.00} bonus. I also received {$55.00} for additional purchases for a total of {$450.00}. The amount of {$450.00} is posted in my Wells Fargo XXXX XXXX card account. The only way to claim the award is by booking travel with XXXX. However, the money has not been transferred to my XXXX account and is not available. Numerous contacts with either Wells Fargo or XXXX did not reslove the issue. Both companies claim that the other is responsible for managing the awarded bonus. In the meantime, the money is sitting in the Wells Fargo account and can not be used.

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding an alleged debt reported by XXXX XXXX XXXX in the amount of {$230.00}. While this account is no longer appearing on my credit reports, I dispute the validity and accuracy of this alleged debt and am requesting verification. 

I have never been provided competent documentation showing that I am legally obligated to pay this debt, including any signed agreement, itemized statement, or proof of the original obligation. I am concerned that this account may be inaccurately re-reported in the future, which could adversely affect my creditworthiness, financial opportunities, and peace of mind. 

I request that XXXX XXXX XXXX provide full verification of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including : XXXX. The name of the original creditor and account number. 
XXXX. A detailed, itemized statement of the alleged debt, including principal, interest, fees, and any other charges. 
XXXX. Documentation establishing that I am legally obligated to pay this alleged debt. 
XXXX. Verification that the account is being reported in compliance with XXXX XXXX reporting guidelines, including the correct date of first delinquency, accurate account status, and correct balance. 
XXXX. Confirmation that this debt is not being reported to any credit reporting agency unless properly verified and compliant with XXXX XXXX standards. 

Until verification is provided, I request that XXXX XXXX XXXX cease all collection activities related to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I received my XXXX XXXX by the afternoon I get an email stating that my XXXX XXXX and savings was not an authoritised transaction from me.i put dispute to CHIME .they started an investigation.i sent them eveything reviewing these transactions and today I got denied for all of my funds.they said that I need more documents to prove my funds were taken.even my email was hacked.o spoke to rep today and she said theres nothing they can do without proper documentation.its a financials institution, every bank has all of that information .. the transactions were made in XXXX from a travel agengy.they bought XXXX airline tickets and when I called they just hung up and the other one picked up once .. last year I had a a XXXX XXXX XXXXXXXX and this is not helping at all.if you can contact me of what can I do regarding this, ot will be highly appreciated XXXX have no money to buy and bills .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX man and have been a victim of elder financial exploitation fraud. I received a text from " XXXX XXXX '' saying they have security measures in place and saw that someone was trying to steal from me. they had me download apps in order for them to take control of my phone. Eventually, they got someone from my bank, Vystar, on the phone. The agent from " Vystar '' told me he either had to freeze all my money for 180 days or that he could set up an account at a different bank for me to keep my money safe from the scammers. They gave me an account number for XXXX XXXX and told me not to tell anyone because scammers could be listening over the phone. They also told me to tell the bank teller it is for a special reason. I went to Vystar and the teller asked what I was transferring the money for. I told her for a special occasion. That was it. She " verified '' the XXXX XXXX account was in my name and submitted the wire. After I talked to my granddaughter the same day, she drove me back to Vystar telling them this was clearly elder financial coercion and asked them to stop the wire. This was after XXXX so the teller told us that the wire department was closed. The teller sent an email out to the wire department to see if they could do anything on Monday morning. 

We called XXXX XXXX XXXX department and after being on the phone XXXX min + and being transferred to " next steps department '', they told us they couldnt do anything since the account number I was provided no longer had my name on it. My granddaughter asked what the typical process was for this kind of wire fraud, and the XXXX XXXX person told me they didnt know.

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: NC

Complaint narrative:
XXXX XXXX, an agent with Starmark Financial has been calling my wife in order to reach me when I am not available. That is completely unacceptable. He has no business speaking with my wife and talking about my personal financial situation. I do not want him to ever contact me or anyone in my family again and Starmark Financial needs to leave me alone and stop threatening me.

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 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/year> I mailed Global Lending a certified letter requesting the following with no response : XXXX. Notification before Disposition of Collateral ; XXXX. Timeliness of Notification before Disposition of Collateral ; XXXX. Contents and Forms of Notification before Disposition of Collateral ; XXXX. Explanation of Calculation of Surplus of Deficiency ; XXXX. Copy of the Retail Installment Sales Contract ; XXXX. Account Payment History.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/XXXX I received a letter that my outstanding balance was XXXX XXXX. I made number phone calls over the last year regarding my reimbursement. I was always told the amount was {$1000.00}. On XX/XX/XXXX, I received an overpayment check for {$230.00} only. I am still seeking the difference and I am getting the run around and no calls back.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: MD

Complaint narrative:
The new Bilt cards went live on XX/XX/year>. I was able to make a few purchases, but then the card stopped working. Their AI chat says my account is locked, but nothing is indicating that in their app or website. I'm completely unable to use the card at this point. There are several timed incentives that can't be completed because of this. The company won't respond via online chat. Their automated phone system acknowledges there's a problem, but hangs up after 60 minutes on hold. The company hasn't provided any updates or guidance on how to resolve and has effectively defrauded people into signing up for credit cards that are unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
American Express is reporting a charged-off credit card account in a materially inaccurate and misleading manner. The account shows continuous charge-off status from XX/XX/XXXX through XX/XX/XXXX, which constitutes illegal re-aging under the FCRA. 
American Express is also reporting both a charged-off balance and a past-due balance simultaneously, which is inaccurate. Additionally, the account reflects both collection and charge-off statuses for the same debt and reports incomplete payment history with {$0.00} scheduled payments. 
These inaccuracies violate 15 U.S.C. 1681e ( b ) and 1681s-2. I am requesting deletion of the tradeline due to persistent inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: DISCOVER BANK
State: KY

Complaint narrative:
submitting this complaint regarding Discovers handling of my dispute involving vehicle repair services provided by XXXX XXXX. 

I brought my vehicle to XXXX XXXX for diagnosis and repair of a mechanical issue. The shop stated they had identified the problem and charged me approximately {$1500.00} for the repair. I paid in good faith, relying on their professional diagnosis and representations. After the repair was completed, the vehicle continued to have the same issue, showing that the diagnosis and repair were incorrect or ineffective. I did not receive the service outcome I paid for, and the merchant did not correct the issue or provide a refund. 

I disputed the charge with Discover, explaining that the repair was misdiagnosed and that the service was not properly rendered. I explained this situation repeatedly through Discovers dispute process and spoke with numerous representatives, supervisors, and account managers. During these interactions, I was told that Discover is not a mechanic and that they would not look into whether the repair actually fixed the problem. My dispute was denied multiple times without addressing the core issue that I paid for a repair that did not resolve the problem. I am requesting a proper review of this dispute, reimbursement of the charge, and consideration of interest due to the prolonged denial and and retention of money I paid for a repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
I started listing gently used items for sale on the consignment app XXXX. 
Shortly after I started getting emails. One stating someone purchased my listing and in order to get my funds my account needed to be verified and the card I was to receive my funds on needed to be verified. I also got 2 emails from someone saying they purchased my item and were wondering if it was still able to be purchased. I responded saying I was in the process of getting my account verified. They sent follow up email with link saying XXXX needed me to use the link to get my payment for the item purchased. 
I was asked for the the number and exp date of the card where my funds would be sent to. 
Then they said my bank needed more info as a security precaution to verify. Which was my current balance. Then they said a code was sent to my email and I needed to put it in the box. Then it kept acting like it wasnt working so they said another has been sent, repeated process. They also said if I left the current customer service page my account would be permanently closed. 
When I checked my CashApp account and saw 2 charges I then realized I had been scammed. 
I blocked the merchant in CashApp. Reported my card stolen and ordered a new one but had to wait until those charges were no longer pending to start a dispute. 
I disputed them on XX/XX/year> The merchant on my cashapp was listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I never received any mail or any other forms of communication stating that Jefferson capital was a debt collector nor did I receive anything about the original debt collector explaining that they attempted to collect money owed. I never receive anything proving that the original account belong to me or that I gave the original company who I may have had a contract with that I agreed for them to sell my personal information. I've called Jefferson capital on several occasions and have been constantly given the run around when it comes to trying to obtain this information, I've also been disrespected and every time I call to speak to a XXXX the call disconnects

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bridge IT, Inc.
State: FL

Complaint narrative:
the last date that i emailed Brigit was on XX/XX/XXXX to again let them know that they were still taking money from my account after it had been closed, there is no account in my name or an account number for me. they owe me {$60.00} dollars. they do not respond to any of my emails that referring to a refund. there is now way to speak with a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Comenity Bank is reporting materially inaccurate and misleading information regarding my XXXX XXXXXXXX & XXXX charge card. 

The account reports a credit limit of {$8400.00} while reporting a highest balance of {$12000.00}, which is impossible. The account further reports a charge-off while showing a current balance of {$0.00}, without explaining payment, settlement, or sale. 

The tradeline states Purchased by another lender, yet Comenity continues reporting charge-off and delinquency history despite no longer owning the account. Multiple charge-off months are reported, which constitutes unlawful re-aging. 

These inaccuracies violate the Fair Credit Reporting Acts requirement for maximum possible accuracy. I am requesting deletion of this tradeline from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Carvana sent someone ro pickup my vehicle after terms were agreed upon and they made the check out to a dead person. The title is listed OR, not AND and they had a copy of the death certificate of the one name on the title. Despite the check being made out to a deceased person, they still expected me to let them take my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank was the Lien Holder on the car I financed with them for many years. I completely paid it off on XX/XX/XXXX with a payment in the amount of {$12000.00}. Afterwards, they mailed a refund check to me for the overpayment in the amount of {$1.00}. I have called them repeatedly to find out when I will receive my clean title. They answer my question with their automatic reply of it takes XXXX days and all the while I continue to keep checking with the state of Texas where my title is and they tell me to contact the lien holder. This has been going on for almost XXXX months now. Truist Bank will not give me specific answers or help in trying to locate my title. Today is XX/XX/XXXX and I checked online and paid {$10.00} to TitleCheck.us for my VIN XXXX and it does not show there has been any change to the Title since I first financed it through Truist. I would simply like to get my title from the Texas XXXX with Truist not listed as a lienholder because I paid it off on XX/XX/XXXX. I need some help please to resolve this issue because apparently Truist Bank is unwilling or incapable of providing the help that I need.

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 2026-02-08 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: MN

Complaint narrative:
I am disputing an international roaming charge of approximately {$1000.00} billed by XXXX XXXX XXXX and paid through my Apple Card. 

I have used XXXX XXXX XXXX business service for years and have previously traveled internationally without issue. My plan includes international roaming. Despite this, XXXX XXXX XXXX charged me for international roaming during a trip to XXXX. 

After the charge appeared, I contacted XXXX XXXX XXXX  multiple times. An XXXX XXXX XXXX representative explicitly confirmed to me ( recorded call available ) that the roaming charge was incorrect, should never have been applied, and that my plan already included international usage. I was instructed to pay the charge only to restore my service, with a guaranteed full refund after their internal review. 

I relied on this assurance and paid the balance solely based on the agents representation. XXXX XXXX XXXX then failed to issue the promised refund and later sent the account to collections. 

I would not have paid this charge absent the XXXX XXXX XXXX agents guarantee that it would be reversed. This constitutes misrepresentation of services and inducement to pay under false assurance. 

I disputed the charge through Apple Card ( Goldman Sachs ), provided the explanation and offered the recorded call as evidence. The dispute was closed in XXXX & XXXX favor without addressing the misrepresentation or reliance issue. 

XXXX XXXX XXXX continues to treat this invalid charge as legitimate despite acknowledging verbally that it was incorrect.

Company response to consumer: Closed with explanation