vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

Complaint narrative:
at or around the middle of XXXX I checked my credit account online and noticed karma for XXXX XXXX dollars I looked it up and it seems to be a pay as you go deal I investigated the website and had a personal friend sign uo and I noticed there was no verrification done when opening the account I do not know how this service ended up on my account and I do not want it I don't need any services from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The XXXX mismatch Identity theft Previous disputes denied

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: TX

Complaint narrative:
XXXXOn XXXX XXXX XXXX XXXX XXXX I initiated a money transfer of $XXXX  from my mobile phone using my Debit card through the Taptap send app to my sister, who lives in XXXX XXXX. at phone number XXXX XXXX XXXX. I have used this number for money transfers before. the system indicated that the transfer was successful and provided the transaction ID # XXXXWhen I contacted my sister to confirm the transfer, she told me that she had not received the code required to withdraw the money. after verifying the phone number, we discovered that the number I used had been locked because my brother previously used it, and it is no longer allowed to receive money transfers.XXXXXXXXI attempted to contact Taptap send customer support by phone but was unable to reach anyone, I then sent an email and received a response from XXXX, who said that someone would contact me as soon as possible to assist me.XXXXsince then, I have follow up several times, but I have not received any further response. XXXXI am requesting your assistance to resolve this issue and recover my funds.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS XXXX Cease and Desist All Communications This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). 
You are hereby directed to cease and desist all communication with me regarding the above-referenced account, or any alleged debt associated with my name, immediately. This includes, but is not limited to, phone calls, text messages, emails, letters, and communication through third parties. 
I do not acknowledge, admit, or assume responsibility for any alleged debt referenced by your company. This request is not a refusal to pay, nor is it an admission of liability. It is a lawful demand that all collection communication stop. 
You may only contact me again for one of the following reasons, as permitted by law : To confirm that you will comply with this request and cease all communication, or To notify me of a specific legal action you actually intend to take. 
Any communication beyond what is permitted under 15 U.S.C. 1692c ( c ) will be documented as a willful violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a checking and saving account with Wells fargo XXXX ago and open an account again with them in 2023 to recent and my college card account had a positive balance of XXXX $ and they said it doesn't but when I looked at open accounts it said college card account balance XXXX $ but is blocked from me seeing the account or gaining access to the account which is disturbing because I had my account with Wells fargo for XXXX years in XXXX and they said it's not there and when I talked to a representative she said their is an old account under my name but I cant gain access to it and never said why.

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 2026-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr Cooper paid XXXX of the property tax on XX/XX/XXXX. total due {$6200.00} amount paid XXXX. There was enough money in the escrow account to cover 100 % of the payment. XXXX XXXX WI does allow 4 installment payments. Mr Cooper took over our mortgage in XX/XX/XXXX. For the last 20 years XXXX XXXX correctly paid our taxes. I have called Mr Copper on XX/XX/XXXX ( 3 ) times. The first person did not speak XXXX and hung up on me. The 2nd person stated this is an issue with my County and If I do not like quarterly payment that do not have an escrow account The 3rd person XXXX stated I will receive an email update no later than XXXX During this call a person from XXXX XXXX was brought in on the call. XXXX confirmed they did always pay 100 % of the property taxes. When I did not see any emails I called again on XXXX spoke with XXXX- she stated she could not see XXXX 's notes and created a new incident ( do not have the # ) XXXX stated it will be an additional 3-5 days for the new incident. Called again on XXXX spoke with XXXX. I was hoping I could speak with XXXX XXXX not possible ) she stated she could see the comments from XXXX but not XXXX. She stated she was not able to help and will need to waiting for the XXXX incident to run its course. I am being to since my County excepts quarterly payments this is why they paid this amount. I stated why could XXXX XXXX correctly pay it and they can not. I also asked when the tax issue is resolved I want to close out my escrow account, since I do not trust the company will ever pay my property tax or my home insurance correctly. Mr Cooper phone system is hard to navigate and the team is not knowledgeable. I asked for a XXXX and was never transferred.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing a complaint against PayPal for improperly closing an unauthorized transaction and fraud case and holding me responsible for a negative balance I did not create. 

A debit card was opened and used through my PayPal account without my knowledge or consent. I did not request, approve, activate, or use this debit card, and I did not authorize any of the transactions made with it. 

As a result of this unauthorized activity, my PayPal account now shows a negative balance of {$1400.00} which I did not spend. PayPal closed my dispute and incorrectly claimed that I approved the transactions, without providing any evidence such as device, IP address, or authorization logs. 

I am disputing this balance in full. This was account fraud and unauthorized access, not a valid transaction. PayPal has refused to correct the error despite my attempts to resolve it. 

I am requesting that PayPal reopen the investigation, remove the {$1400.00} negative balance, and comply with its obligations under consumer protection and unauthorized transaction rules. 
I have filed a police report after talking and messaging PayPal to no avail. I have opened a XXXX  COMPLAINT which PayPal rejected, and I have sent documents which were sent by certified mail and signed by PayPal showing I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX vehicle from XXXX XXXX XXXX  XXXX, financed through GM Financial. Shortly after the purchase, the vehicle developed serious mechanical issues. Multiple certified mechanics determined that the engine was failing and the vehicle had longstanding mechanical problems that likely existed prior to the sale. The vehicle was unreliable and unsafe to operate despite regular maintenance and upkeep. 
The vehicle would shut off unexpectedly while driving, creating dangerous situations. On multiple occasions, this caused potential accidents while friends and family were inside the car. 
I informed GM Financial of the vehicles issues and requested that they review the account and consider the circumstances regarding the defective vehicle in relation to the repossession and credit reporting. The vehicle eventually was repossessed due to becoming inoperable, and GM Financial reported the repossession to the credit bureaus. 
I am disputing GM Financials reporting because the repossession and resulting negative credit reporting stem from a defective vehicle that should not have been sold. I am requesting that GM Financial review the account, conduct a fair investigation, and remove or correct any negative credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: Chime Financial Inc
State: FL

Complaint narrative:
My card was lost and used for several charges. For some reason the bank, Chime, investigated and refunded some charges while not taking the time to investigate other charges even though they were from the same incident. These charges occured from the XXXX of XX/XX/XXXX to the XXXX of XX/XX/XXXX. 

My attached documentation below reflects and supports this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XX/XX/year>, my Chime debit card on my phone was stolen, which I reported to the police. A few months later, my phone went blank, and when it returned to normal, I noticed that all the money in my Chime account had been withdrawn without my authorization. I notice login in my XXXX At XXXX and I was not at XXXX as at that time I immediately contacted Chime to report the unauthorized transactions and filed disputes. Despite providing information about the theft and unauthorized transactions, Chime denied all my disputes and did not return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
We spoke with XXXX XXXX on XX/XX/year> about purchasing XXXX from them. They did not host our email so together with XXXX XXXX representative decided they were not going to be able to supply what we needed - so they cancelled the order. The same day we purchased our XXXX program that was needed from a different company for {$160.00}. 

On about XX/XX/year>, we got a letter from Firstsource stating that we made a purchase from XXXX in the amount of {$140.00} with a credit card that did not go through. They said since our card did not go through another company paid the debt for our purchase. And that we now owe them for this debt. 

We called XXXX around XX/XX/year> to confirm there was no purchase made on our account. There was not. We do not owe this amount and the company XXXX XXXX refuses to prove that we do. 

They seem to be a fraudulent company that got ahold of our name through XXXX XXXX and are now trying to collect money from us. They are saying a company called XXXX XXXX XXXX paid our debt but we never asked for that to be paid and we never got a product from XXXX XXXX. 

They gave a Reference Number : XXXX and Certeg Claim Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XX/XX/year>, I had made a payment to Sofi banking of {$2000.00}. Since this payment was more than the {$790.00} minimum payment due on XX/XX/year>, that was more than enough to fulfill the payment requirements. To avoid auto pay still going through, I had canceled it so it wouldnt charge on XX/XX/XXXX. 

A few days later, I went to see if I could set up auto payment so the first withdrawal date can be XX/XX/year>. When setting up the auto pay, it had shown that the next withdrawal date would be XX/XX/year>. I also received an email confirming that the next auto pay withdrawal would be XX/XX/year>. 

I then got an email today saying that there is an auto withdraw payment for XX/XX/year>. I did not authorize them to withdraw this money for this date. I reached out to customer service to explain the situation, they said that because I had scheduled auto pay before the due date that I had already fulfilled with a payment, that thats the reason why its still withdrew. Their solution was to provide a refund seven days from now without any interest associated with that amount. 

They didnt attempt to look into the situation further to make sure that it doesnt happen again to me or to anyone else. They dont seem to be willing to fix this issue, which is why Im reaching out to you.

Since then, I have canceled my auto pay and requested that they apply the payment to the next month, even though it messes up my payments of other expenses. 

What I would like so I to do is to ensure this doesnt happen again to anybody else. I had to give up my .25 % interest bonus to set up manual payment as they can no longer be trusted with auto pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: CT

Complaint narrative:
I purchased and paid for ( via Elan/XXXX credit card ) an item in XXXX XXXX from XXXX. When I picked up the item... it was damaged. XXXX offered an {$800.00} discount if I were to accept the item as is, and they ( auroracirc ) would issue a credit to my ElanXXXX credit card. 
When I checked my XXXX XXXX statement, no credit from XXXX was applied. I immediately disputed ONLY THE ADDITIONAL {$800.00} to ElanXXXX ... I MADE FULL PAYMENT OF THE PORTION OF THE CHARGE I truly owed. ElanXXXX stated they would investigate. 
For 2 months ... nothing, no correspondence from Elan. I called their cs and was told that they do nothing... it's up to me to remedy. They did hold off on late fees for that disputed charge for 2 months. I stopped using that credit card after I saw how they treated customers. I was able to remedy the charge with auroracirc. The problem is that ElanXXXX continued to charge interest and late fees while the charge was in dispute. The current balance on the card is simply an accumulation of late charges and interest. I asked to close the account months ago. They only complied with my request recently. This is negatively affecting my credit as Elan has reported late/nonpayment which is absolutely untrue.

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 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I signed up for XXXX insurance for a car I was going to register. The first payment was for {$160.00} on XX/XX/year>. The service would start on XX/XX/XXXX. I was unable to register my car on XX/XX/XXXX, so I cancelled the service on the same day. When I closed my account with them and was promised a full refund. I was then emailed a receipt stating that I would receive a refund of XXXX. When checking my credit card history, I received the refund the same day. 
Since then I have been spammed with mail, emails, and calls by XXXX trying to get {$160.00} that they are not owed. They then sold the debt to a collector that has also been calling, emailing and mailing me. This collector then hit my credit which is when I knew that these were real mail and not just scams. 
I then called the collector and provided proof that XXXX issued the refund and that I did not owe money. I then also disputed this with the main three credit dispute agencies : XXXX, XXXX, XXXX. They sustained the hit on my credit because my identity had not been stolen. This debt did exist, I paid it, and then it was refunded to me. That all happened on XX/XX/XXXX, and left both me and XXXX whole. 
Since this I am still being spammed and harassed by the same parties, but remain unwilling to pay a debt I do not owe. I believe that XXXX and this credit agency have acted maliciously and without a good faith effort to check the records to find that I do not owe them money.

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 2026-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
At the beginning of this year. XXXX I called to information regarding my loan to be informed that I did not have a payment due until XXXX which I found very strange. They information my next payment due would be over XXXX dollars doubling my Initial payment of XXXX. After talking to the employees I found the issues was they did not do my escrow for the year of XXXX and I assume are trying to add it all into this year. However I called last year in XXXX of XXXX beacuse I know my payment could change depending on the year and they told me in XXXX that my payment was going to go from XXXX to XXXX sometime ( I can not remember the exact number and have no record becuse they never changed it ). I even contacted them in XXXX of that year again to ask when that change would happen. Now this year they are telling me I do not owe a payment until XX/XX/XXXX and it's over XXXX dollars. I have made every payment on time with a few extra payments towards the principal. The bank has informed me that it was a mistake with their escrow department but my family can not afford that mistake that they made. Doubling our payment. It feels like they are just trying to steal our home from us. The bank is " First united '' a smaller bank in the Texas Oklahoma area.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Formal Dispute of Deficiency Balance I am filing this complaint against Wells Fargo Auto regarding the repossession and subsequent sale of my XXXX XXXX XXXX ( XXXX : XXXX ). 
I am formally disputing the deficiency balance of {$16000.00} on the grounds that the vehicle sale was not " commercially reasonable, '' as required under Nevada Revised Statutes ( XXXX XXXX ) and the Uniform Commercial Code ( UCC ). 

The Facts of the Dispute : * Unreasonable Sale Price : The vehicle was sold on XX/XX/XXXX, for a gross proceeds amount of only {$5000.00}. 
* Market Value Discrepancy : According to XXXX XXXX XXXX ( XXXX ) and industry standards for the XXXX XXXX market, the XXXX XXXX XXXX XXXX XXXX XXXX  for a XXXX XXXX XXXX in fair-to-good condition is significantly higher than {$5000.00} ( estimated range {$9000.00} {$13000.00} ). A sale price that represents less than 50 % of the market value is a " low-price disposition '' that suggests the bank failed to properly market the vehicle or sold it at a non-competitive, closed auction. 
* Impact on XXXX : By selling the car for a fraction of its value, Wells Fargo has artificially inflated my deficiency balance. Under Nevada law, if a creditor fails to prove the sale was commercially reasonable, they may be restricted from collecting the deficiency. 

Requested Resolution : I request that Wells Fargo Auto : * Provide a full accounting of the sale, including the auction name, location, and the number of independent bidders present. 
* Correct the deficiency balance to reflect the true XXXX XXXX XXXX of the vehicle at the time of sale. 
* Cease all collection efforts and reporting of this disputed debt to credit bureaus while this investigation is pending. 
I have attached the " Explanation of Calculation of XXXX '' notice and a screenshot of the XXXX XXXX XXXX for this vehicle to support my claim. 




The creditor 's own accounting further proves this sale was commercially unreasonable. Wells Fargo 's notice shows they spent only {$350.00} on 'costs of preparation and sale, ' confirming the vehicle was in excellent, marketable condition and required no major repairs. Despite this, the car was sold for {$5000.00}, which is nearly {$3500.00} below even the XXXX ' trade-in value of {$8500.00} shown in the attached XXXX appraisal. Furthermore, it is roughly {$8000.00} below the private party value of {$13000.00}. Selling a well-maintained XXXX XXXX XXXX for XXXX than 40 % of its market valueand significantly less than its 'junk ' or rough valuedemonstrates a failure to seek a fair price, and I am formally contesting the resulting deficiency on these grounds. '' I am currently in XXXX please email for all communications as I can call the XXXX but cant recieve calls.

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