vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I paid {$1500.00} to reinstate my auto loan after repossession. The written reinstatement breakdown provided by the company clearly stated XXXX XXXX to Reinstate and included a repossession fee of {$310.00} and approximately {$100.00} in late fees. After making this payment, I received confirmation that my loan was reinstated. After reinstatement, my account reflected an additional repossession-related fee of {$180.00}. This additional fee was not disclosed in the reinstatement documentation, which presented the amount due as a total. There was no indication that the repossession fee was estimated or subject to additional charges after payment. On XX/XX/year>, I contacted the company by phone to request clarification. During that call, the representative stated that repossession fees paid at reinstatement may not be final and that additional charges may be added later after invoices are received from the repossession vendor. The representative also stated that the company does not control these charges and passes them through to the customer. I requested an itemized breakdown of the additional repossession fee, including dates and supporting documentation, but no such breakdown was provided. Additionally, my account reflects {$95.00} in late fees. My contract states that late fees are {$15.00} per occurrence. I previously paid late fees at the time they were incurred, including those included in the reinstatement amount. Despite this, the company has assessed additional late fees without providing a clear itemized breakdown showing the dates of each occurrence or confirming that these fees were not already paid. On XX/XX/year>, I made a payment of {$620.00} toward my loan ( monthly payment, late fee plus processing fee ). This payment did not include the disputed repossession fee. I am not refusing to pay my loan obligations. I am disputing charges that are inconsistent with the written documentation provided to me and that have not been properly explained or itemized. I am requesting a full itemization and validation of these charges and correction of my account if the charges are inaccurate or duplicative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this formal complaint against HSA Bank regarding unauthorized transactions totaling {$11000.00} that were withdrawn from my Health Savings Account ( HSA ) and the banks subsequent failure to conduct a reasonable investigation prior to denying my fraud claim and reversing provisional credit. Failure of Investigation HSA Bank has not provided any documentation or evidence supporting its determination, including : No proof of authorization No receipts, invoices, or transaction records No evidence of goods or services delivered No authentication or verification data No explanation of the investigative methodology A conclusory statement that transactions are valid without supporting evidence does not meet the standard of a reasonable or good-faith investigation. Financial an d Medical Hardship The disputed funds were held in a Health Savings Account and are designated for necessary medical expenses. The removal of {$11000.00} has left my account underfunded, and I am currently unable to pay for essential healthcare. This has created immediate financial hardship and is negatively impacting my health and well-being. Regulatory Concerns I believe HSA Bank has failed to comply with its obligations under the Electronic Fund Transfer Act ( Regulation E ), including : Conducting a reasonable investigation Providing a clear explanation of findings Properly determining authorization of disputed transactions The bank appears to rely on unsupported conclusions rather than verifiable evidence of authorization. Requested Resolution I respectfully request that the following actions be taken : Immediate reimbursement of the {$11000.00} in unauthorized transactions A full and transparent explanation of the investigation, including all supporting evidence Documentation demonstrating how the transactions were determined to be authorized Confirmation of the authorization method used for each transaction Assurance that proper fraud investigation procedures are being followed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had a high school checking account with Chase. When the account holder turns XXXX, Chase automatically converts the high school checking account to total checking account, without notice, which charges a $ 15 monthly service fee if the account has a balance under {$1500.00}. However, Chase has the option to switch to a secure account, through which users between the ages of XXXX are eligible to pay no service fees. I was at the time and still am XXXX, but Chase converted by bank account to the total checking account in order to coerce payment. On or about XXXX XX/XX/year> and XXXX XXXXXXXX XXXX, Chase charged me the said monthly service fee, but I was not aware until on or about XXXX XXXX XXXX when I called Chase 's customer service line ( XXXX - ( XXXX ) - XXXX - XXXX ) and the customer service representative claimed that she was only able to XXXX XXXX of the fees. She was also able to help me switch to a secure banking account so that I would no longer have to pay the service fees given my eligibility. Chase 's policy also says that " [ XXXX XXXX XXXX and converted accounts will not be charged a Monthly Service Fee for at least the first XXXX statement periods. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX Couldnt access any of my brokerage or IRA accts. Only able to access checking, savings, and credit card info. NO investments accts are accessible as Im writing this onXX/XX/XXXXXX/XX/XXXX someone from the bank calleXX/XX/XXXX I cant recall the name of the woman I spoke with, but she was pleasant and told me that my accounts should be visible online by XX/XX/XXXXI spent approximatelyXX/XX/XXXX on the phone (much of the time on hold) when I was told byXX/XX/XXXX Obviously the tech people were not able to fix the problem. If the bank had backups, redundancies and go live testing, this entire week of stress and aggravation would not have occurred. Over a week of not being able to access ANY of my investment accounts is unacceptable. (first 2 ladies I spoke w/were XX/XX/XXXXand XX/XX/XXXX. Brokerage accounts were not restored until XX/XX/XXXX office called. The usual XX/XX/XXXXabout reviewing the situation, etc. Told her things will have to go on my timeframe. I was polite, but direct. XX/XX/XXXX Accts are up and running, but (other than mutual funds such asXX/XX/XXXX) I have no idea where dividends are coming from because they are not named. XX/XX/XXXXto go over what I wasnt seeing on the website in terms of where my money was coming from. Money was put into my checking acct as usual, but I couldnt determine from what stock, etc. Anyway, the website didnt work, so that took care of that. XX/XX/XXXX again today about the Equitable holdup. Sending more paperwork for me to sign in order to sell some shares. This has been ongoing for 6 weeks already and I had previously had a signature signed at their request, and they still want more. Just ridiculous. XX/XX/XXXXcheck saying he fixed my roof. She wouldnt cash it and called me. Now I have to open a new checking acct and its interesting that I have my checkbook, so no checks are missing and it happened roughly after the website upgrade (Ive asked my financial advisor why Im not seeing WHAT companies, funds, etc. are depositing into my checking acct (new or old) like I used to see. So, add this to the list of the banks bullshit. \XX/XX/XXXXgot locked out of acct for no reason. Called thXX/XX/XXXXand was on hold for 15 minutes before someone picked up and told me it was locked for 48 hours and she didnt know why. Sent direct and nasty emails tXX/XX/XXXX. It was fixed by the end of the day.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
There was a fraud charge on my checking account in the amount of {$2900.00}. I reported on XX/XX/XXXX. It put my account in the negative {$2900.00}. On Friday, XX/XX/XXXX, I received my paycheck via direct deposit in the amt. of {$2500.00}. My entire paycheck was eaten up by my acct. being in the negative from the fraudulent charge. I've reached out to Citi bank several times and I was told I have to wait XXXX business days for them to decide if I'm going to get provisional credit. I am a low-income single mom and I can't afford to wait 10 days, this is a REAL HARDSHIP because my paycheck is my only income. I don't have not even a dollar to my name because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX store is claiming I signed up for a credit card through symphony bank and that I have a balance owing of {$430.00}. If I bought something from gap store I would have used my own credit card. I don't even have a physical card for synchrony bank? * I never signed up for a credit card through gap. I never sign up for store credit cards. This is complete fraud / identity theft. XXXX, XXXX - This gap balance get reported to the XXXX XXXX XXXX XX/XX/XXXX - My husband and I are trying to get a mortgage on a a house and this gets flagged. It is impacting my rating. Very surprising given that I never signed up for this. * They had my old address XXXX XXXX XXXX, XX/XX/XXXX, NY New Address is XXXX XXXX XXXX, XXXX, Sleepy Hollow Ny Wed XX/XX/XXXX - XXXX call XXXX XXXX XXXX, a big debt collector company. I filled a dispute with them, saying this was fraud and they told me to fill out this form on your website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I am submitting a complaint against multiple debt collection agencies for potential violations of federal consumer protection laws. After disputing the debts and requesting proper validation, the companies failed to provide sufficient evidence that I am legally responsible, such as original agreements, ownership documentation, or complete account records. Despite this lack of verification, collection efforts and credit reporting may have continued. This raises concerns about possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), particularly regarding debt validation and the accuracy of reported information. In summary, these agencies appear to be attempting to collect and report unverified debts, suggesting possible noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allied Consulting Services LLC
State: WI

Complaint narrative:
Contacted my children and family member Told them contacting them regarding a judgement against me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MA

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 2026-04-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I am a Nevada child support recipient using the Way2Go prepaid card administered by Conduent. My account has been repeatedly restricted, resulting in complete loss of access to my funds : Card blocked from use ID verification required XXXX times Direct transfer access blocked twice State of Nevada had to request a replacement card Replacement card not received after more than XXXX weeks I currently have no way to access my funds ( no card, no transfer, no account access ). This has caused significant financial hardship, including inability to purchase food, running out of gas multiple times, and loss of my post office box due to nonpayment. Despite repeated contacts, no resolution has been provided. I am requesting immediate access to my funds, either through expedited card delivery, restoration of transfer capability, or alternative disbursement ( check or direct deposit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My XXXX account XXXX XXXX XXXXXXXX XXXX was permanently deactivated on or around XX/XX/year> without any specific violation cited. The only activity on my account consisted of legitimate third-party payments : XXXX payments from " XXXX '' on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ( class action settlement / research disbursements ), and XXXX payment from XXXX for points redemption all standard, verifiable consumer payments. XXXX notified me via email ( Request # XXXX ) that my account was permanently deactivated for unspecified " violations '' of their User Agreement. The email provided a hyperlink to the case ( # XXXX ) which returns a XXXX Not Found error meaning Venmo cited a case number they can not produce or support. This constitutes a defective process. XXXX is now holding {$15.00} of my funds for up to XXXX days for stated " loss prevention purposes, '' despite no fraud, no chargebacks, and no unlawful activity on my part. They have explicitly stated they will not disclose their decision-making criteria. I am requesting : XXXX. Immediate release of my {$15.00} balance XXXX. A specific, documented explanation of the alleged User Agreement violation XXXX. A valid case reference number with accessible support documentation XXXX XXXX refusal to provide a basis for termination, combined with the withholding of consumer funds and a broken official case link, constitutes an unfair and deceptive practice under applicable consumer financial protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency continues to violate its obligations under the Fair Credit Reporting Act ( FCRA ) by reporting fraudulent accounts and unauthorized inquiries resulting from a data breach. Despite my submission of a formal identity theft dispute under Section 605B [ 15 U.S.C. 1681c-2 ], supported by a sworn affidavit and valid proof of identity, the agency has failed to block or remove the disputed items within the required four-business-day period. In addition, the agency has not provided any verifiable documentation containing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to demonstrate a lawful permissible purpose for the inquiries. Its continued reporting of these fraudulent items and failure to provide proper verification constitute clear violations of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: ADP Inc.
State: IN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Wisley Online banking was charged {$9.00}. I have never subscribed to XXXX XXXX. This has been an ongoing issue since my divorce. My ex wife XXXX XXXX XXXX XXXX. Is involved in organized crime. My ex wife 's father is the XXXX XXXX XXXX XXXX XXXX XXXX here in XXXX, XXXX his name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
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: Westlake Services, LLC
State: MD

Complaint narrative:
I paid off the car on XX/XX/year> with Westlake Financial. I have been asking to obtain my lien release since XX/XX/year>. They said it would come but there has been no update. I need the lien release in order to sell the car. They tell me to order the lien release online but every time I try that, it says it can process online. I then call the number and they have no way to help me or they tell me to call a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I ALONE, purchased my home in XXXX. First bank was XXXX. I later moved to XXXX, in XXXX. I became ill, around XXXX. In XXXX my conservator, convinced the probate court, to DESECURE, MY MORTGAGED HOME. In effect, transferring my physical home to her, yet leaving me, a ill, XXXX man with the mortgage. The mortgage was being paid, by my funds, from XXXX, to XXXX, at which time I stopped trying to juggle my health and payment for a stolen home. The lapse in payments lasted, for 2 years. After which time, I regained possession and occupancy of my home, ( subjected to an article 3 court, vacating the probate court 's violation ). I later learned that my conservator had ( I believe ), signed me up for a close to XXXX XXXX dollars modification of my loan, in XX/XX/XXXX. I have not been able to get all of the details ( notary 's name ) on that modification Conservator : XXXX XXXX Current servicer : Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
XX/XX/year> Agent wouldnt identify himself, threatened me with court dates, and also made insulting comments stating I dont pay my bills, Im ignorant, he spoke about my family members etc.

Company response to consumer: Closed with explanation