vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) through XXXX, financed through Bridgecrest. XXXX sold me a vehicle with delinquent personal property taxes from a previous owner without disclosing this at the time of sale. XXXX has since acknowledged in writing that these taxes predate my ownership. Nobody has fixed it. I moved to Virginia and can not register my car. My registration is expired. When I contacted Brigecrest on XX/XX/XXXX to move the title from California to Virginia, I was told to have the Virginia DMV fax a request to XXXX. The DMV did this the same day. Bridgecrest agent XXXX then told me the process takes 6-8 weeks and can not be expedited. When I asked why, she could not answer the question, redirected me to a phone number, and ended the chat. When I immediately tried to reach another agent I was put in an automated loop and could not reach a human. I have been making monthly payments on a vehicle I can not legally drive on public roads in my state of residence. I have done everything asked of me. I have received nothing but delays, deflection, and a disconnected chat session in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am submitting this follow-up complaint in response to Goldman Sachs Bank USA XXXX XXXX of my original complaint ( submitted XX/XX/2026 ). In their response, Goldman Sachs stated that I may submit a government-issued ID to update/verify my legal name, and that the documentation may be provided " by email, by chat, or by postal mail. '' Acting in good faith on these instructions, I contacted Goldman Sachs on XX/XX/2026 to complete the name update using a state-issued driver 's license - the exact document type their response indicated would be accepted. During this call, which lasted approximately XXXX minutes, I was informed by the representative that Goldman Sachs does NOT accept documentation via email or chat - directly contradicting the written response provided to the CFPB. I was again given no clear, secure, or accessible path to complete this critical update. This is deeply concerning for several reasons : XXXX. Goldman Sachs provided materially inaccurate information in their official CFPB complaint response regarding their own document submission process. XXXX. Their representatives continue to provide instructions that are inconsistent with what the Bank confirmed. XXXX. I am simply attempting to ensure my legal name- as it appears on record with the Social Security XXXX- is accurately reflected on my credit account for reporting purposes. Every other financial institution I have dealt with has been able to accommodate this routine request. I am attaching a XXXX audio recording of my XX/XX/2026 call with Goldman Sachs XXXX which documents the representative explicitly stating that email and chat submission are not accepted. I am requesting that the CFPB : - Require Goldman Sachs to clarify and commit in writing to a consistent, accessible name change process ; - Investigate the discrepancy between their official complaint response and the information provided to customers by their representatives ; and - Ensure my legal name can be updated accurately on my account. I have made every reasonable effort to comply with Goldman Sachs ' stated instructions. The burden should not continue to fall on me to navigate contradictory policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I have been getting multiple bills via mail by XXXX XXXX in regard to a bill that doesn't belong to me, nor do I have any obligation to pay it. I have asked for an itemized bill and was not given one. I have also gotten phone calls and emails regarding the balance. I contacted the administrator of the building, and I was informed that I was not under obligation to pay it. I told the financial handler at XXXX XXXX what I was told, and she denied that information and argued that I was responsible. I have since then have been getting letters from them and a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Midwest Loan Services, Inc.
State: VA

Complaint narrative:
I had a mortgage with " XXXX XXXX XXXX XXXX '', I was married at that time, I was divorced on XX/XX/XXXXXXXX XXXX XXXX. I cashed my ex-wife, and the deed was changed into my name only and recorded in the XXXXXXXX XXXX XXXX. I notified XXXX, and the mortgage was changed into my name, and I was the only one making payment on the mortgage since 2017, and XXXX was withdrawing the mortgage payment from my bank account that is under my name only. and all statement was in my name only, Mortgage number XXXX XXXX XXXX XXXX XXXX sold the mortgage to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. With New Mortgage number XXXX I received a notification for payment with my name & my Ex-wife name of the statement. I tried to explain to XXXX that I am divorced for over 10 years, and the statements that I have for over the last 10 years was in my name only. I could not get a loan secured by my property, nor a HELOC because of the idiots that work at XXXX. I don't know who the XXXX gave XXXX a license to practice business in the USA. This is not XXXX, XXXX, XXXX or XXXX! XXXX is trying to swindle me of my assets! I wrote several times, but no one gives dam about what is going on. Therefore, I am taking the Consumer Financial Protection Bureau to look into this matter and see what other clints or customers being swindled by XXXX. I am very frustrated when people coming for mother countries starting a banking business just to swindle American people from their hard-earned money " I will be putting my mortgage payment in an escrow account till this matter is corrected. They refuse to respond to my emails, nor return my calls. My payment was made to XXXX almost 15 days before it is due, and now I have to deal with these swindlers just make things right See the attached statement of the divorce and the dead and get it through your head.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: AZ

Complaint narrative:
I applied for a Bilt XXXX Card and was denied based on identity verification. Under the FCRA and XXXX, I have a right to an Adverse Action Notice. Cardless Support ( Ref # XXXX ) claims the notice was sent, but I have not received it. Phone representatives for XXXX ( XXXX ) have stated they have 'no transparency ' and refuse to escalate the call or provide the specific denial codes or the 'outside source ' used for the denial. This is a violation of my rights to see the data being used to flag my identity. Im assuming this might have something to do with my phone number as its fairly new to me. My XXXX XXXX is nearly XXXX so I dont believe that to be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/year> my citi bank account was frozen and I no longer had access to my funds. I called to ask what was going on and they said they had to use a third party to verify my phone number. They came back and said that they're not able to verify me and I have to wait for a letter in the mail in order to be verified. I offered up my government issued I.Ds to be able to verify myself and they claim that I have to wait for a letter.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Incident Report : Unauthorized Account Access and Fraud Bottom Line Up Front ( BLUF ) : Between XX/XX/XXXX and XX/XX/XXXX, my XXXX XXXX XXXX XXXX ( XXXX ) and CashApp accounts were compromised in a two-part fraud scheme, resulting in unauthorized transfers totaling {$5400.00}. Date Event Description XX/XX/XXXX An unknown actor gained unauthorized online access to my CashApp account and transferred over {$3300.00} out of my linked XXXX account. I immediately notified both XXXX and CashApp and filed formal disputes. XX/XX/XXXX I received a phone call from an individual falsely claiming to represent the XXXX Fraud Department. The caller stated they were blocking a fraudulent login attempt from XXXX and offered to help recover the funds stolen on XX/XX/XXXX. XX/XX/XXXX ( Continued ) Under the guise of securing my account and deactivating my current card, the caller guided me through a password reset. This granted them simultaneous access to my XXXX mobile app. XX/XX/XXXX ( Continued ) While inside my account, the scammer filed multiple false claims to generate immediate provisional credits, creating the illusion that my missing funds were being successfully recovered. XX/XX/XXXX ( Continued ) The scammer then requested a new digital debit card on my account, asked me to verify the card details, and immediately used the information to transfer {$2100.00} to a XXXX account. The caller disconnected immediately after the transfer cleared. Financial Impact Summary Platform Used Destination Amount Stolen CashApp Unknown {$3300.00} XXXX XXXX XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding deceptive marketing, confusing billing statements, and predatory interest calculation practices on my XXXX XXXX credit card account. I entered into a promotional financing agreement under the belief that I was receiving a 0 % interest promotion, and that I would only be charged interest on any amount remaining at the end of this promotion. In good faith, I consistently made timely payments and successfully paid off [ 70 % ] of the total purchase balance before the promotional expiration date. However, because a tiny residual balance of [ {$950.00} ] remained on the expiration date, Synchrony Bank retroactively charged me a massive interest fee of [ {$830.00} ]. This fee was not calculated on the remaining unpaid balance, but was instead retroactively applied to the entire original purchase amount dating back to day XXXX. I am disputing this charge based on the following failures of clear disclosure and fair dealing : Deceptive and Confusing Disclosures : The promotional terms were marketed under the guise of " no interest, '' burying the devastating penalties of " deferred interest '' in fine print. The average consumer is led to believe interest accrues only on unpaid balances, not retroactively on funds already paid back months prior. Statement Inconsistency : The monthly billing statements failed to conspicuously warn me that missing the deadline by even a nominal amount would trigger a retroactive penalty on the entire historical purchase. The promotional end date was intentionally separated or obscured from my standard monthly payment due date, causing severe administrative confusion. Failure of Good Faith Resolution : Upon realization of what had happened I immediately contacted Synchrony Bank customer service to pay the remaining principal balance in full and requested a one-time goodwill waiver of this punitive charge. Despite my excellent payment history and clear intent to satisfy the debt, Synchrony flatly refused to offer a reasonable accommodation or a partial waiver. Charging hundreds of dollars in retroactive interest on debt that was already successfully paid off months ago is a predatory practice designed to trap consumers who act in good faith.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I have a {$5000.00} credit balance on a credit card that is serviced by Wells Fargo, and they won't send me my money. This is now an ongoing issue with Wells Fargo Bank that I have been trying to resolve for almost three months. On XX/XX/year>, I requested a balance transfer be sent from XXXX XXXX XXXX to a credit card I have that was being serviced by Wells Fargo. The card, a XXXX XXXX, was moving its services away from Wells Fargo to a different bank. However, I had a balance on the XXXX XXXX and wanted to have it paid via a balance transfer. Unfortunately, the balance transfer was sent to a new card Wells Fargo had given me, a basic Autograph card, and not to the current bank/servicer of the XXXX card . After calling Wells Fargo, they explained that they could not send me the money because it was not an overpayment ; it was a balance transfer. It could only be sent back to the bank that had originally sent the payment. However, the payment needed to be requested by XXXX XXXX or they could not send it. So I called XXXX XXXX, and they launched a two-week investigation. The conclusion of the investigation was that there was no method for them to request the money, and they had done what I requested and sent the balance transfer. The matter, for XXXX XXXX, was now closed. So I called Wells Fargo back. Wells Fargo said it needed to launch their own investigation. After 10 days, I called back, and they said they were still looking into it. On XX/XX/XXXX, I called again, and they said they would finally send a check for the {$5000.00}, and it would come in 7-10 business days. 10 days came and went, and nothing came. On XX/XX/XXXX, I called again, and they said this would be sent to the " executive level '' and I would have a response within two business days. That has come and gone, and I have not heard from them. At this point, I have no idea what to do and need this matter closed. Please help!

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 2026-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I. Overview I am submitting this complaint against MOHELA and XXXX for unfair and deceptive practices regarding my XXXX student loans. I am facing imminent financial default on loans that were originated under documented institutional fraud. My school XXXX XXXX application was issued a XXXX denial on XX/XX/XXXX, claiming a " lack of evidence. '' This claim completely ignores official, binding federal findings of fraud. XXXX. Key Facts & Timeline -School Attended : XXXX XXXX XXXX XXXX XXXX XXXX of Attendance : XXXX XXXX -Loan Chain : Originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently billed by MOHELA -Prior Discharge Request : XXXX and denied on XX/XX/XXXX. XXXX. The Evidence MOHELAXXXX Ignored XXXX.U.S. Department of Education Findings ( XX/XX/XXXX ) : The federal government issued a group discharge proving XXXX XXXX XXXX systematically falsified employment and salary data from XXXX to XXXX. My enrollment ( XXXX ) falls entirely within this fraud window. XXXX. DOJ XXXX ( XXXX ) : The school 's parent company ( EDMC ) settled with the Department of Justice for {$95.00} XXXX over systemic consumer fraud and predatory recruiting during my exact years of attendance. XXXX Holder Rule : My private loans were used exclusively for this fraudulent program. Under the FTC XXXX XXXX, MOHELA and XXXX inherit the liabilities of the school, making this debt legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am a victim of unauthorized banking fraud, and Wells Fargo is violating my rights under Federal Regulation E. 1. ) I filed a vaild fraud dispute regarding an unauthorized ACH transfer. Wells Fargo closed the claim improperly and refused to issue a stop payment or provisional credit. 2 ) Because of the fraud, my bank account was left with severe negative balance. 3 ) The originating agency ( the State of Iowa ) recognized the error and successfully initiated an ACH reversal/return to refund my missing money. 4 ) Wells Fargo is actively rejecting and blocking this incoming state refund. When I esculated this to a supervisor today, they admitted they are refusing the return becasue the account currently has insufficent funds/a negative balance. 5 ) Wells Fargo is using a negative balance- which was caused entirely by the initial uninvestigated fraud- to intercept and block my fraud recovery. 6 ) When I asked the bank representatives for their employee identification or a case tracking number to document this call, they actively refused to provide it. This blockage of my funds has caused an immediate, severe financial emergency. My essential household utilities ( electricity, gas and water ) are facing imminent disconnection because Wells Fargo is withholding my state refund. I demand that Wells Fargo immediately accept the state 's ACH reversal, clear my funds, and review this closed claimi under proper Regulation E guidlines.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2026, I scheduled a one-time credit card payment of {$1500.00} for my account ending in XXXX ( Citi XXXX XXXX XXXX ). The payment was set to be processed on XX/XX/2026, which was well before the XX/XX/2026 due date. I received a confirmation email with Confirmation Number : XXXX for this transaction. Despite having this confirmation, Citibank failed to deduct the funds from my designated account. On XX/XX/2026, I was charged a {$30.00} late fee and a {$72.00} interest charge due to the banks failure to process the scheduled payment. I have attempted to resolve this through Citibank 's live chat and phone support. While a supervisor acknowledged my history as a loyal customer, they claimed 'system limitations ' prevented them from waiving the charges manually. Furthermore, the phone representative stated they could not find any record of my scheduled paymentdespite me providing the confirmation numberand insisted that I mail a physical copy of my confirmation email to a XXXX XXXX to file a dispute. I believe it is an unreasonable burden to require physical mail for a documented system error on the bank 's end. I am requesting a full reversal of the late fee and interest charges total {$100.00}.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
i have a dispute problem, and when I called the so-called " dispute '' department phone number, XXXX, it says it's the fraud number. They make it difficult to contact them about disputes.

Company response to consumer: Closed with explanation