vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing a {$95.00} annual membership fee charged by Capital One prior to the completion of my one-year card anniversary and the subsequent denial of a refund despite multiple confirmations that it would be issued. I opened a Capital One XXXX XXXX XXXX on XX/XX/XXXX. In XXXX, I was charged the {$95.00} annual fee on XX/XX/XXXX, which is two days before my actual anniversary date of XX/XX/XXXX. This means the fee was assessed before the full one-year term had elapsed. On XX/XX/XXXX, within 30 days of my anniversary date, I contacted Capital One to dispute the charge and request cancellation of the card with a refund of the annual fee. The representative informed me that I needed to keep the account open to receive the refund and explicitly confirmed that the {$95.00} would be credited back within 57 days. After not seeing any pending credit, I called again and was once more assured that the refund would be processed within the stated timeframe. However, on XX/XX/XXXX, I was informed that my refund request had been denied. No clear explanation was provided. I requested escalation and received the same response. I then canceled the account. This raises two concerns : 1. Premature Billing : The annual fee was charged before the completion of the full membership year ( XX/XX/XXXX vs. XX/XX/XXXX ). Capital One stated this is based on an anniversary month, but this practice results in billing prior to the end of the service period, which is misleading. 2. Misrepresentation : I was explicitly told on two separate occasions that I would receive a refund within 57 days. I relied on this information, but the refund was later denied without justification. I contacted Capital One within 30 days of my anniversary date, which is generally the window in which annual fees are eligible for refund upon cancellation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is regarding Wells Fargo XXXX XXXX XXXX XXXX. 1st, the phone number on the back of the card brings you to general premier support who doesn't know how to handle the call and transfers you 5 times before you get to the business credit card servicing unit. I've called 3 times requesting that they send me my credit balance of XXXX and they say they initiated it but never do it. They have been holding my XXXX for over a month now. If they don't return the balance shortly, I will sue them for the balance and interest.

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 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I initiated a payment on my credit card account on XX/XX/year>, prior to the XX/XX/year> due date. This payment was set up in good faith, and autopay had also been established. The payment was not rejected until XX/XX/XXXX, XXXXafter the due datedue to processing issues. As a result, anticipated accrual of interest interest will occur despite initiating payment before the deadline. The late fee has since been waived, acknowledging the issue. This situation was caused by delayed processing and lack of timely notification, not a failure to pay on my part. I contacted customer service on XX/XX/year>, and was assisted by a representative named XXXX, who declined to provide a case or reference number and stated there was no way to file a complaint regarding an interest adjustment. I am requesting : A full waiver of all interest charges related to this incident Confirmation that no negative credit reporting will occur Documentation of this issue and resolution This reflects a processing and communication failure that unfairly resulted in interest charges despite timely payment initiation.

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 2026-04-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have attached my police affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally express my frustration and request immediate action regarding my student loan buyback application, which I submitted in good faith after following the guidance provided by your representatives. Last year, I was explicitly advised by a customer service supervisor to wait approximately XXXX months before applying for the buyback process, as applying earlier would allegedly require me to repeat the process. I relied on that guidance and delayed my application accordingly. After waiting the recommended time, I submitted my application and was then informed it would take approximately XXXX weeks to process. However, upon following up after that timeframe, I was shocked to be told that processing could now take over a year. This is completely unacceptableespecially considering I delayed my application based on your own staffs direction. I have made every effort to comply with your process and timelines, yet I am now being penalized with additional, unexpected delays. This situation reflects a serious breakdown in communication and accountability. I am requesting that my application be escalated and processed as a priority, given the misinformation I was provided and the time I have already waited in good faith. Please provide : - A clear and accurate status update on my application - A firm and realistic processing timeline - Confirmation that my case has been escalated for expedited review If this matter is not addressed promptly, I am prepared to pursue further action, including filing formal complaints with the appropriate oversight agencies. I expect a timely response and resolution to this issue. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Experian regarding their failure to properly investigate a dispute I submitted concerning inaccurate information on my credit report. The company name is XXXX XXXX in the amount of {$2800.00}. I've submitted four formal disputes, each with supporting documentation, including proof that I do not owe this company and requested it be removed. There was always an automatic system generated response. Instead of conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), I received only an automated or generic response. This raises serious concerns that Experian did not actually review the documentation I provided and failed to conduct a lawful and reasonable investigation. Under the Fair Credit Reporting Act, credit reporting agencies are required to conduct a reasonable investigation of disputed items. Automated or superficial responses without proper review are not compliant with federal law. I am requesting the following : A full and proper investigation of the disputed account : XXXX XXXX Removal of any inaccurate or unverifiable information Written confirmation of the investigation results If Experian can not verify the XXXX XXXX through a proper investigation, the information must be deleted from my credit report.

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 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Company calls me from various phone numbers harassing me for a debt that they refused to discuss and resolve after they refuse to communicate and put me in an ark ward situation to repo my vehicle after the car was totaled in a car accident with lies on intent to have me carless and damage my credit with a {$16000.00} debt occurrence placed on my credit file.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is refusing to investigate an {$8000.00} merchant fraud claim by incorrectly applying an expired 'refund window ' for a separate issue. The merchant ( XXXX ) was raided by the XXXX on XX/XX/2026, for ongoing deceptive practices that match my specific complaints. The bank is failing its duty under the Fair Credit Billing Act to investigate goods not as described

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 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
We received an invoice from what appeared to be a legitimate contractor of ours, they then requested the payment via EFT. My bank, LMCU, helped me set up the EFT account to pay said contractor without a question of any validity of the receiving bank, account, etc. No questions asked or option to protect me whatsoever, I had no way to know this was a fraudulent request for payment because I was expecting the invoice from a legitimate contractor. After the real contractor requested the money again we realized it was coming from a scammer 's email address one letter off of the legitimate email address.

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 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I mailed a letter to : Bank of America XXXX. XXXX XXXX XXXX XXXX, CA XXXX After four weeks of no response, I sent a certified letter to the same address. Unfortunately the XXXX XXXX was unable to deliver the certified letter. When I called Bank of America, they said they use a XXXX XXXX XXXX so certified letters can not be sent. They also said since the loan was closed more than 20 years ago and I am not a current customer, the only thing I can do is write to them again, without sending it certified, which I did.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my Bank of America business checking account and the banks failure to properly investigate my fraud claims. Between XX/XX/XXXX and XX/XX/XXXX, multiple transactions totaling approximately {$12000.00} were processed on my account that I did not authorize. I disputed these transactions with Bank of America ; however, all claims were denied. The bank concluded that the transactions were authorized, but did not provide sufficient verifiable documentation demonstrating that I personally approved or initiated these transactions. I escalated this matter to the Office of the Comptroller of the Currency ( OCC ), but the OCC relied on the banks response and closed the case without resolving the inconsistencies. I am now submitting new and material evidence : XXXX XXXX XXXX XXXX XXXX XXXX, a national consumer reporting system used by financial institutions, conducted a reinvestigation and determined that the disputed information was incomplete, inaccurate, or could not be verified. As a result, the information was deleted from my consumer file. The account has also been classified as closed and purged. This directly contradicts XXXX XXXX XXXX conclusion that the transactions were authorized. I also requested documentation from the bank showing how the transactions were verified, including authorization records, signatures, or access logs. This information was not properly provided. Given this conflict, I believe the banks investigation was incomplete and failed to meet required standards. I am requesting : A full reinvestigation of all disputed transactions Documentation showing how the transactions were verified as authorized Reimbursement of approximately {$12000.00} I am submitting supporting documentation, including EWS results and account status records. I request a full and fair review of this matter.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
There was a previous balance that was due on a settlement plan for each month in the amount of {$110.00} for about 6 months. Instead of waiting another 3 months, I decided to pay off the settlement plan for the remaining about of {$340.00}. After I paid off the settlement plan in full, I accidentally cancelled it since I figured the settlement plan was already finished. Now Capital One is telling me that I would have to do another settlement plan in order to get rid of the balance which is not what we originally agreed to. I paid off my part in full and should not have to do another settlement plan if they have history of what I paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX I attempted to withdraw {$300.00} from Wells Fargo ATM on XXXX in XXXX. The first ATM did not dispense the money a did not open to dispense the money. It cancelled my transaction. I attempted the second time to with {$300.00} from the ATM next to it. Same issue. I went to an ATM on XXXX in XXXX and was able to obtain the {$300.00}. Wellsfargo account charged me for the {$600.00} I did not receive. I called to let them know on XX/XX/XXXX. They have not resolved this matter and have not provided me with my funds. The ATM has video. It shouldn't take 10 days for them to process or resolve this issue. My account was not low or have any issues.They need to give me the {$600.00} back and stopping playing games. If the ATM didn't dispense the money they shouldn't have charged my account that it did.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One Refuses to Waive Interest Despite Merchants Written Admission That the Charge Was Erroneous ( Case # XXXX ) Complaint Details : I am filing this formal complaint against Capital One N.A. for failing to properly handle my billing-error dispute under the Fair Credit Billing Act ( FCBA ) and for allowing interest to continue accruing on an amount the merchant itself has admitted is not owed.Background On XX/XX/year>, XXXX, XXXX placed a {$6600.00} unauthorized charge on my personal Spark XXXX credit card ( ending in XXXX ). I disputed the charge. Capital One resolved the dispute in the merchants favor. I re-disputed with evidence, including the merchants own written admission that the charge was a mistake. XXXX XXXX : On XX/XX/year>, XXXX confirmed in writing that the full {$6600.00} would be credited back to my Capital One card. On XX/XX/year>, XXXX XXXX ( Manager, Customer Success ) stated that because Capital One had already decided the dispute in the merchants favor, they could not credit the card and would instead issue a refund check. As of today ( XX/XX/year> ), I have not received the promised check, and Capital One continues to charge me interest on the disputed amount ( currently {$72.00} and growing ). The merchant has clearly admitted the charge was erroneous and has agreed to a full refund. Capital Ones refusal to re-open the dispute or accept the merchants attempted credit has directly caused unnecessary interest to accrue on my account. Requested Resolution : I ask the CFPB to require Capital One to : Immediately review and correct this matter. Waive and credit back all interest and fees that have accrued as a direct result of their handling of the dispute. Provide me with a written acknowledgment of the distress and inconvenience this has caused. I have attached : XXXX XX/XX/year> email confirming the full refund. XXXX XX/XX/year> email stating a check would be issued. Capital Ones denial letter. Prior dispute correspondence. Thank you for your assistance. Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am a USDA Single Family Housing Guaranteed Loan borrower ( Loan No. XXXX, Property : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ). I submitted an occupancy waiver request due to a qualifying household relocation. PennyMac denied my waiver but issued a denial letter with no stated reason or regulatory basis. When I called and directly asked the representative to cite the specific USDA guideline requiring the relocating party to be a co-borrower on the loan, she refused to answer yes or no and only repeated that I have an occupancy requirement. PennyMac has failed to provide the specific regulatory or program guideline basis for their denial, making it impossible for me to address any deficiencies or file a meaningful appeal. I am requesting that PennyMac provide the specific USDA HB-1-3555 section or 7 CFR 3555 provision they are relying upon for their denial, and that CFPB investigate whether PennyMac is applying an internal overlay policy that exceeds actual USDA program requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHERRY TECHNOLOGIES INC.
State: KY

Complaint narrative:
Cherry technologies has been calling me incessantly. They have called at least 15 times in less than 7 days. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Transunion XXXX XXXX violated my rights as aconsumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605XXXX. Remove employers ; spa at XXXX XXXX, Date of birth XXXX, crdt account XXXX date ; XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX 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 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA XXXX XXXX ( XXXX XXXX ). As someone who has been affected by identity theft and equifax data breach. I have the right to request that any fraudulent information be removed from my credit report. This law mandates that credit reporting agencies promptly eliminate any information that originated from the identity theft once they receive appropriate notification. Please delete within 4 days. This has caused me to be so sad and depressed as this is taking a toll on my mental health. I am currently in the homebuying process and my anxiety is through the roof. I strongly ask you to promptly take the proper steps to ensure that these protections are fully enforced. Noncompliance with these provisions undermines the integrity of the credit reporting system and exacerbates the harm inflicted on victims like myself. I look forward the assistance of getting these items removed from my credit report.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
On XXXX XXXX, 2025, I purchased a {$200.00} gift card from XXXX XXXX in XXXX XXXX, CA using my Apple Card ( issued by Goldman Sachs ). On approximately XX/XX/year>, the business permanently closed. My wife never used the gift card and we received no services in exchange for the {$200.00} paid. I initiated a dispute with Goldman Sachs and provided extensive documentation confirming the permanent closure, including the business 's XXXX listing marked as permanently closed, a disconnected phone number, and a notice on their own website confirming closure. Goldman Sachs has denied my dispute three times without providing a substantive regulatory or contractual justification for their decision. I am filing this complaint because I paid {$200.00} for services that can never be rendered due to the merchant 's permanent closure, and my card issuer has repeatedly refused to remedy the situation.

Company response to consumer: Closed with monetary relief