vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I want to tell you what happened to me and my husband with Bank of America. I'm not constantly looking at our bank accounts. I trust they are safe. We have been banking with Bank of America for XXXX years. I have an account in my name and a joint account with my husband. XX/XX/XXXX I go to check on the joint account for the transactions that we have made. I was in disbelief at what I saw. I saw many transactions that weren't ours and transfers from my account to the joint account. It looked like someone was attempting to empty our bank accounts. I see that it started on XX/XX/XXXX and I started to dispute the fraudulent charges. I called the fraud team and told them of all the charges that weren't ours. They stopped both my debit cards so no money was going out. They sent all my statement to the resolution team, said I would have to wait for the resolution team to investigate and they would let me know the outcome. I was told I should get new accounts and new debit cards. I did this. I get my new debit card and the same thing happens again. I call the fraud team and tell them what's going on. I get a new debit card, I had already filed a dispute again. Same thing, new debit card and dispute again. Now they are sending me a new debit card again! Let me tell you that the first fraud was for {$8200.00}. I get a notification from the resolution team saying they are denying my claim because they say I did this or gave access to someone else to do this. I would never give my debit card or my account number to anyone. I was very upset and angry. They are accusing me of doing this. I filed the claim. The other frauds were approximately {$30.00} and {$40.00}. It looks like I will be getting those monies back. I have already sent a letter to the FTC. I just want my money back. I worked hard for my money. I trusted my money in the Bank of America. I took part of my XXXX and put it in my account. I wanted to pay off my loan with Bank of America and buy a car, which I did. The rest was to do some upgrades to my house. They refused me twice because I wrote a letter to the resolution team and the second time refused again. I just want my money back. It belongs to me! I hope you can help me in some way. If you need anything from me, let me know. Thank you

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a solar financing agreement associated with XXXX and XXXX to XXXX XXXX XXXX XXXX. I believe I was induced into signing this 25-year agreement through deceptive and misleading sales practices. At the time of sale, I was told by the salesperson that : * The solar system would be at no cost to me * I would only have XXXX bill and no longer need to worry about fluctuating electric costs * I would benefit financially from solar incentives and buyback programs These statements were false or misleading. After signing, I later discovered the following : * I am responsible for a long-term financial obligation totaling approximately {$95000.00} over time * I receive two bills ( one from my utility company and one from GoodLeap ) * Payments increase annually due to an escalator clause * I do not receive tax credits or financial incentives, as those are retained by the company The company did not clearly disclose or explain these key financial terms and obligations to me before I signed. I relied on the representations made by the salesperson, which were materially inaccurate and incomplete. Additionally, the contract was not fully or clearly explained to me, and I was not made aware of the true financial impact of this agreement. I believe these actions constitute deceptive trade practices and misrepresentation in connection with a consumer financial product. I am requesting : * A full investigation into this matter * That my account be reviewed for cancellation, modification, or other appropriate relief * That GoodLeap be held accountable for financing an agreement obtained through misleading and deceptive practices I am ready to furnish documentation, such as the contract and the specifics of what the salesperson represented to me during the sale. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Account was hacked because I was scammed. They said theyd contact me about further actions I need to take. They have not reached out to me at all. I recently opened a new account with another bank but now Im locked out of it, I suspect the other bank has flagged me as a fraud and told the other bank this false information. First citizens bank is what I used to bank with, now I bank with XXXX XXXX. I suspect first citizens bank making false accusations that in a fraud which is why my XXXX XXXX XXXX account had been locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a car loan through 5/3 bank. On XX/XX/XXXX, I requested a Payoff Letter/Quote because I am attempting to refinance with the XXXX XXXX XXXX XXXX XXXX I was trying to get my payoff letter from them so I can send it to the XXXX XXXX. I was told it would be sent to me, then I waited until close to end of day and still no letter. I then was stuck in a wait for XXXX minutes to be told they would have to re-request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a vacation package to be taken during the XXXX holiday from XX/XX/XXXX until XX/XX/XXXX, which included hotel stay and a round trip flight for my kids and I. The payment was made in full via initial payment and monthly payments. However even though a flight to my destination was provided, a return flight ticket was never provided. I had to purchase a XXXX way return ticket for my XXXX kids age XXXX and XXXX and myself in XX/XX/XXXX when our vacation was meant to be over and we needed to vacate the hotel and the country. I reached out to the merchant but didn't get a response and I decided to dispute the charges on my citi credit card immediately I got back home. Despite citi opening the dispute and me providing all the requested document asked of me by citi card, and the merchant never responding even though they were given a date to respond by, the dispute was closed without a letter of explanation, just a push notification stating I was responsible for the charges. I don't understand how I can be responsible for the charges if I have proof showing that I had to buy a XXXX way plane ticket for myself and my kids.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint - Gross Negligence in Wire Transfer Refund ( Case # XXXX ) - Urgent Medical Necessity I initiated an international wire transfer for {$3000.00} USD on XX/XX/2026. On XX/XX/XXXX, I contacted the bank to amend the beneficiary name and was advised it would take XXXX business days. Following this, I made multiple inquiries. On XX/XX/XXXX, the bank explicitly promised a refund of the funds within XXXX business days. However, on XX/XX/XXXX, I contacted the bank again and was informed that they could not find any record of my previous inquiries or the amendment request. A new case number ( XXXX ) was only created on XX/XX/XXXX, over a month after my initial request. These funds are strictly intended for my family member 's emergency XXXX. The bank 's repeated misinformation, internal system failure, and failure to honor the promised refund timeline have caused critical delays, directly jeopardizing the patient 's necessary medical care. My demands are as follows : 1. Immediate resolution of Case # XXXX. 2. The bank must execute the refund and credit the {$3000.00} USD back to the account within 2 business days. 3. The bank must provide a formal transaction reference number ( such as XXXX XXXX ) as proof that the refund has been processed.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Someone took money out of my cash app account without a trace before. Now someone is getting a loan for me to pay back threw my cash app with after pay and I never authorized it or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
When I was in the military, I bought a car in Virginia ; however, my home of record was Washington XXXX. After I retired, I moved to Maryland and began the registration process. The XXXX requires the title to be transferred from Washington. After a few months of calling around, I finally got ahold of someone from the XXXX in WA. They explained that my title has been in XXXX ( for about a year ) because when the dealership discovered that the odometer reading was wrong, they scratched it out and wrote the new number. Apparently, this has made them unable to transfer the title. I called the dealership and they did send me a copy of the odometer reading ; however, Washington wants the original. I sent an email to the dealership stating that I can't spend hours over the course of several days to fix something was not my fault in the first place. I asked them if they could take care of this problem and have not heard back from them. Unfortunately, if this goes on any longer, I won't be able to drive the vehicle because I can not get it registered.

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 2026-04-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally dispute the above-referenced account, which is being reported under my name and/or Social Security number. I have reviewed my records and have determined that this debt does not belong to me. I request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : The original creditors name and address The original account number A copy of the signed contract or agreement bearing my signature A complete payment history and itemized breakdown of the amount claimed If you are unable to provide proper validation, you must immediately cease collection efforts and remove this account from all credit reporting agencies to which it has been furnished, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Additionally, if this account was opened fraudulently, please treat this letter as notice of potential identity theft and provide instructions for any further documentation you require. Please investigate this matter and provide written confirmation of the deletion of this account within 30 days. Thank you for your prompt attention to this matter. These account numbers are not real please look at last 4 of account numbers XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX | ( XXXX ) XXXX Account Number : XXXX XXXXXXXX | Owner : Individual Account Loan/Account Type : Utility Company | Status : Date Opened : XX/XX/XXXX Date of Last Activity : Scheduled Payment Amount : Actual Payment Amount : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | ( XXXX ) XXXX Date Reported : XX/XX/XXXX | Balance : {$0.00} Account Number : XXXX XXXXXXXX | Owner : Individual Account Credit Limit : | High Credit : {$15000.00} XXXX XXXX XXXX XXXX - Closed Credit Bureau Dispute XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX XXXX Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I am submitting this complaint regarding an incorrect claim reported against me in the amount of approximately {$470.00}. I contacted the company by phone while I was overseas to cancel my membership due to relocating to a different address. During that call, the companys representative confirmed that my membership had been successfully canceled and that my account was in good standing with no remaining balance. Based on that confirmation, I reasonably believed the account was closed and resolved. I received no further communication from the company indicating any outstanding balance. I discovered that the company reported a claim to a credit bureau alleging that I owe {$470.00}. I did not receive any prior notice of this alleged debt no phone calls, emails, or written correspondencebefore it was reported. I dispute this claim in full. The account was canceled with confirmation from the company, and no balance was disclosed at that time or afterward. Reporting this alleged debt without notice is inaccurate and has negatively impacted me. Under the Fair Credit Reporting Act, furnishers of information are required to report accurate information and investigate disputed claims. I am requesting that the company : Conduct a full investigation into this matter Provide documentation supporting the alleged balance, including cancellation records and billing history Immediately correct or remove any inaccurate information reported to credit bureaus If the company can not substantiate this claim, I request that it be deleted entirely from my credit report. I expect a prompt resolution of this matter in compliance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: UT

Complaint narrative:
I purchased a vehicle and signed a XXXX XXXX XXXX with a dealership. The vehicle was delivered to me and I took possession under the agreed terms. Sale date XXXX After the sale was completed, the dealership contacted me and claimed that the loan was denied. ( Dealer 18 days later called me ) However, they have not provided any official written denial ( adverse action notice ) from the lender. I contacted the lender directly, and I received conflicting and inconsistent information. A representative associated with the lender stated that they can not provide a denial letter to the customer, which indicates that no formal adverse action has been issued. Despite this, the dealership is attempting to change the terms of the agreement after closing and is pressuring me to return the vehicle or accept different financing terms. ( 29.99 % APR ) I was also given time-based pressure and threats to come into the dealership, which appears to be a high-pressure sales tactic. As of today, more than 20 days have passed since the contract was signed, and I still have not received any official written confirmation that the loan was denied. I have requested written confirmation of the loan status and an official denial notice, but this has not been provided. This situation appears to be a yo-yo financing practice, where a consumer is asked to return the vehicle or accept worse terms after a signed agreement. I am requesting : 1. Written confirmation of the true loan status 2. A formal adverse action notice if the loan was denied 3. Confirmation that the original contract remains valid unless properly canceled in writing I do not agree to any changes to the contract without proper written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
i called Affirm on XX/XX/year> to dispute two charges on my account. They could not do anything over the phone and I needed to wait three to five days for an email that would allow me to dispute charges on my account. I never received an email. I called back again on XX/XX/XXXX and was told again to wait for an email. Once i received the email I filled out whatever drop down boxes I could with what information I had. They denied my claim and told me I would be responsible for all charges and payments. The first loan was taken out on my account on XX/XX/year> for {$3800.00} and the second loan was on XX/XX/year> for {$4700.00}. both loans are for an online sporting goods company called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am submitting a complaint regarding a disputed credit card transaction on my American Express account in the amount of {$1500.00} from approximately XX/XX/year>. I reported this transaction as unauthorized ; however, my claim was denied after their investigation. I was informed that a one-time passcode was used to approve a {$550.00} purchase, but I do not recall receiving or entering any such code for this transaction. This transaction does not align with my normal usage or purchasing behavior. I do not recognize this charge and did not knowingly authorize it. There were no unusual circumstances or account issues that I am aware of that would explain how this transaction occurred. I also did not receive any goods or services related to this charge. I am concerned that the determination may have been based primarily on the use of a one-time passcode, without considering the possibility that it may have been used without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am filing this complaint against MOHELA regarding inaccurate negative credit reporting resulting from their failure to adequately communicate my repayment obligations and available options when my student loans transitioned from deferment to repayment. I am an active military member in the XXXX XXXX XXXX and was completing my XXXX XXXX XXXX during this period. The following failures by MOHELA directly caused my delinquency : 1. CONTRADICTORY COMMUNICATION : In XX/XX/XXXX, MOHELA sent a missed payment reminder. Then, in XX/XX/XXXX, MOHELA sent XXXX separate In-School Deferment Status Update notices. These contradictory communications created reasonable confusion about whether my loans were in repayment or deferment status. 2. INADEQUATE REPAYMENT COMMUNICATION : My deferment was officially approved through XX/XX/XXXX, per MOHELA 's own letter dated XX/XX/XXXX. MOHELA never clearly communicated my exact monthly payment amount, exact repayment start date, or available income-driven repayment options before delinquency began in XX/XX/XXXX. 3. FALSE CLAIMS OF CONTACT ATTEMPTS : In their XX/XX/XXXX, email, MOHELA stated that ongoing attempts are being made to contact you. My complete T-Mobile call records from XX/XX/XXXX through XX/XX/XXXX show zero incoming or outgoing calls from any MOHELA phone number during this entire period. MOHELA never called me once, despite claiming otherwise. 4. FAILURE TO COMMUNICATE IDR OPTIONS PROACTIVELY : MOHELA did not send information about repayment plan options until XX/XX/XXXX, after I was already receiving missed payment notices. At no point before my delinquency did MOHELA proactively inform me that I qualified for an Income-Driven Repayment plan with a zero-dollar monthly payment. 5. IMMEDIATE ACTION UPON LEARNING OPTIONS : When I finally understood my options, I immediately submitted an IDR request on XX/XX/XXXX. It was approved on XX/XX/XXXX, with a zero-dollar monthly payment, which proved I qualified for hardship relief throughout the delinquency period. Had MOHELA communicated this option clearly before delinquency began, I would have enrolled immediately, and no delinquency would have occurred. 6. REVIEW OF COMPLETE MOHELA INBOX : A review of my complete MOHELA inbox history shows that at no point did MOHELA send a clear communication specifically stating my monthly payment amount, repayment start date, and available IDR options together in a single clear notice before reporting me as delinquent. The negative credit reporting occurred between XX/XX/XXXX and XX/XX/XXXX. This delinquency resulted directly from MOHELA 's contradictory communications, failure to clearly communicate repayment terms, false claims of phone contact attempts, and failure to proactively offer income-driven repayment options.

Company response to consumer: Untimely response