vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had HAND WRITTEN two checks to pay the property taxes for both vouchers. I took them to the post office personally and dropped them off. The checks were somehow intercepted and washed, the intended recipient was " XXXX XXXX XXXX XXXX XXXX  '' in my own handwriting. The Checks were subsequently washed and the name was changed and STAMPED as " XXXX XXXX ''. The parcel ID number in the memo was washed. The amount was not changed, the rest of the check was kept as original. Wells Fargo cashed the checks for them. They did not call to confirm if that is the correct check and if the name is correct. Who writes a checks and puts someone else 's stamped name??? Also how many people go on line and open the cashed checks picture to see if it was to the intended receiver????? 
Since the amount was correct in my books, and Wells Fargo does not send you a cancelled check or a print anymore it went unnoticed by me till I did my book keeping. When I brought it up to the Wells Fargo claims department and escalated it up I was told that procedures were followed by Wells Fargo and it is past 30 days and they denied my claim.

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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am submitting this complaint regarding Synchrony Banks handling of fraudulent activity on my PayPal Credit account. 

On XX/XX/year>, fraudulent activity totaling {$2500.00} occurred on my PayPal Credit account. The transaction was recorded as a person-to-person transfer, to someone I had no knowledge of. I became aware of the unauthorized charge on XX/XX/year> and immediately filed a dispute with PayPal on the same day. The PayPal case number is XXXX XXXX 

In addition to promptly reporting the fraud to PayPal, I took appropriate steps by : Filing a report with my local police department, and Submitting a complaint to the FBIs Internet Crime Complaint Center ( IC3.gov ).

Despite the immediate reporting and supporting documentation, PayPal whose credit products are serviced by Synchrony Bank claimed it could not detect fraudulent activity and denied my dispute. I appealed this decision and provided additional information, yet the appeal was also denied without a clear or satisfactory explanation.

Synchrony Banks handling of this matter failed to provide reasonable consumer protection against unauthorized charges. The investigation process lacked transparency, and I was effectively held responsible for clearly fraudulent activity despite timely reporting and law-enforcement involvement.

As a direct result of this experience, I closed my PayPal Credit account and will no longer conduct business with PayPal or its affiliated credit services.

I am requesting that Synchrony Bank : Conduct a full review of how my fraud claim and appeal were handled, Correct any errors related to the disputed fraudulent charge, including credits, interest, or fees, and Provide a written explanation of the findings and final resolution.

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Yes we deposited my husband 's payroll check on XX/XX/XXXX a hold was placed on it and also our online access has been restricted we were told when the check cleared on XX/XX/XXXX our online access would be restored and it has not we have called in a dozen or more times and nothing has been resolved it's XX/XX/XXXX and the online access is still restricted

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
I am submitting this complaint because Aldous and Associates is reporting and/or attempting to collect an alleged debt that is inaccurate and can not be properly validated. 

My credit report dated XX/XX/year> reflects at least XXXX account being reported with status XXXX, which is damaging my credit profile. 
XXXX XXXXXXXX XXXX XXXX  Aldous and Associates appears as a collection agency associated with my credit file. 
XXXX XXXXXXXX XXXX XXXX I have not been provided proper validation of this debt, including the original creditor, complete account documentation, or proof that Aldous has the legal right to collect or report this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), a debt collector must provide validation and must not report unverifiable or inaccurate information. 

I am requesting Aldous and Associates to : Provide full written debt validation, including the original creditor, contract, and itemized balance. 

Cease reporting any collection account to the credit bureaus unless properly verified. 

Delete any inaccurate or unverifiable collection tradeline immediately. 

Stop all collection activity until proper validation is provided. 

This collection reporting is causing significant harm to my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a sauna from XXXX XXXX XXXX for {$7200.00} using my Citi credit card ending in XXXX. I received an order confirmation ( Order # XXXX ). 

On XX/XX/XXXX, I received an email from the merchant falsely claiming I had canceled the order and that a refund had been issued to my credit card. I never requested a cancellation. No refund was ever posted to my account. 

I called Citi on XX/XX/XXXX to dispute the charge and provided : my order confirmation, the fraudulent cancellation email, and my credit card statements proving no refund was issued. 

On XX/XX/XXXX, Citi requested additional documentation. I responded the same day with all requested information plus evidence that this merchant has a pattern of fraud : the XXXX  rates them " F '' with 6 unanswered complaints, and the merchant 's website has since been shut down. I followed up on XX/XX/XXXX and have received no response. I called in again on XX/XX/XXXX where the Citi rep confirmed it was still open but I have heard nothing since. 

I paid {$7200.00} for merchandise I never received. The merchant fabricated a cancellation and falsely claimed a refund. This is documented fraud, and Citi has failed to protect me under Regulation Z. 

DESIRED RESOLUTION : Full credit of {$7200.00} to my account.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has treated me in a dismissive and degrading manner regarding a simple and immediately corrected clerical mistake. When I opened my XXXX XXXX credit card, I accidentally linked an incorrect bank account while attempting to make a payment. I realized the error, corrected the payment information, and successfully paid my full balance using my legitimate bank account. Despite this, Capital One froze my account and has kept it restricted for approximately three months. 

I have contacted Capital One more than 15 times seeking a reasonable resolution. Representatives repeatedly insisted that I provide a bank statement for the incorrect bank account, even after I clearly explained that the account does not belong to me and that I do not have legal access to it. I have already provided bank statements for my legitimate account, yet Capital One continues to demand documentation that I can not legally obtain and has failed to provide any viable alternative verification process. During several interactions, I was treated in a dismissive and disrespectful manner and felt that I was being unfairly penalized for an honest mistake. They verbally said to me until we dont get a bank statement with the name of the owner of the wrong account, your account will remain restricted. 

Capital One has the ability to verify that I do not own the incorrect account through standard banking verification procedures or by contacting XXXX Bank directly, and my account has been fully paid with no outstanding balance or financial risk to the company. Nevertheless, my account remains frozen without a clear path to resolution. 

Additionally, I have already spent approximately {$4000.00} on this card in order to meet the welcome bonus spending requirement within the first three months of account opening. Because my account has been restricted for three months, I am at risk of losing the bonus before the XX/XX/XXXX deadline, which represents a significant financial loss. I am also facing a {$390.00} annual fee due in XXXX for a card that I am currently unable to use. This prolonged restriction has caused financial harm, loss of earned benefits, and a substantial amount of time and stress attempting to resolve an issue that I corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Credit Karma and its handling of my Spend account following the filing of my XXXX taxes. 

After filing my XXXX tax return through Credit Karma and using their XXXX account, my account was suddenly frozen without warning. As a result, my tax refund is currently inaccessible. I have received no clear explanation for why my account was frozen or when the issue will be resolved. 

I have attempted to resolve this matter multiple times through XXXX XXXX automated live chat system and by telephone. Each interaction has ended with representatives stating that the issue would be escalated to the XXXX XXXX. Despite these repeated assurances, I have never been contacted by this team, nor have I received any substantive response explaining the freeze or providing a timeline for resolution. 

The continued lack of communication and denial of access to my tax refund is causing significant financial hardship and is negatively impacting my ability to meet my financial responsibilities. 

I am requesting assistance from the CFPB to help obtain : XXXX. A clear explanation for why my account was frozen XXXX. Immediate access to my tax refund, or a definitive timeline for resolution XXXX. Accountability for the lack of communication and failure to resolve this issue after repeated escalation requests Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Summary : Following the closure of three previous CFPB complaints ( XX/XX/XXXX ) with an agreement to allow reinstatement, MBFS manufactured a default by withholding payment information, imposing an impossible 24-hour holiday deadline, and subsequently claiming to refund a full tender of payment that they held for 27 days.

Detailed Timeline : XX/XX/XXXX : MBFS closed previous complaints with a formal agreement to allow reinstatement following an internal " hold '' to investigate a contested tow in XXXX. 

XX/XX/XXXX XX/XX/XXXX : The vehicle remained on hold. Despite MBFS being notified of my XXXX residency on XX/XX/XXXX, no written updates regarding arrears or the status of the hold were provided. 

XX/XX/XXXX XX/XX/XXXX : MBFS established a reinstatement window but failed to communicate the specific payoff amount. I proactively emailed MBFS on XX/XX/XXXX and XX/XX/XXXX requesting the payoff figures and payment instructions. MBFS ignored both inquiries until the window expired. 

XX/XX/XXXX : MBFS finally responded, unilaterally adding unposted XX/XX/XXXX arrears to the demand. They imposed a XXXX deadline on XXXX XXXX XXXX. 

XX/XX/XXXX : I tendered {$4500.00} via wire. MBFS accepted and credited these funds. 
XX/XX/XXXX XX/XX/XXXX : A technical banking error occurred with the remaining balance. I cured this via a second wire on XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX : MBFS held the full {$6000.00} for 10 days. During this period, MBFS agents provided conflicting information : one agent confirmed the payoff was available, while another agent subsequently claimed the first was " confused '' and denied the reinstatement. 

XX/XX/XXXX XXXX : MBFS claims they issued a refund check via XXXX. I have not received this check, and MBFS has failed to provide a XXXX  tracking number or proof of delivery. 

Statutory Violations : Illinois 30 % Rule ( XXXXXXXX XXXX XXXXXXXX ) : As a consumer who has paid over 30 % of the vehicle value, I have a mandatory statutory right to reinstate. MBFS bypassed the required 21-day window. IL law is very specific : the 21-day clock only starts when the borrower is served a valid, accurate notice that includes the Illinois Affidavit of Defense.

Bad Faith ( UCC 1-304 ) : MBFS manufactured a default by withholding the payoff amount until a federal holiday eve and provided contradictory instructions through their representatives.

Title Fraud & Notice Violation : MBFS is attempting to obtain a repossession title while withholding the mandatory Affidavit of Defense form and ignoring an active Illinois Commerce Commission ( ICC ) Police investigation ( XXXX XXXX XXXX ) into the initial tow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
I don't know exactly when all this started, because XXXX never notified me of anything until the changes to my account were already there, and they refused to investigate and constructively fix the problem or allow both parties to reach an agreement to resolve it. However, everything continued to get more complicated when on XX/XX/year>, XXXX experienced a major data breach, resulting in the exposure of the private information of many of its users. Following this, unexpected and unauthorized changes began appearing in many of these users ' accounts. In my case, unauthorized equipment and services were ordered, which XXXX didn't even notify me about and failed to secure against, leading to debts on my account that didn't belong to me. I immediately had to close my account with XXXX XXXX XXXX off all the debts, even though most of the debt wasn't mine. Despite this, XXXX continues to try to collect money after all this mess. They have illegally sold the debt to several collection agencies since the end of 2021, and each time they sell it to a new collector, it negatively impacts my credit, and the dispute process starts all over again. Even XXXX years later, XXXX is still selling my information to collectors and affecting my credit after their data breach and serious security problems in XX/XX/year>. 
These companies refuse to send me the documents containing the information that relate to me to this debt. 
XXXX was sued and ordered to pay for these damages to the affected customers, including me. It is an abuse and a violation of the law that they continue to sell and manipulate the personal information of former customers, thus affecting our credit and public records.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NH

Complaint narrative:
Aargon agency has 2 collection accounts on my credit file ( all three bureaus ). I have called them on 2 occasions and each time I was faced with profanity despite my very dignified tone/demeanor.

I worked for the XXXXXXXX XXXX XXXX  with many moves and relocations during the past few years. 
* My goal was to settle these 2 debts, with the condition of " pay for removal from all 3 credit bureaus ''. I offered to send a check for each one of these accounts, XXXX them and below the money order or check it will say " pay for removal with all the legal verbiage to protect myself ''. 
If Aargon is truly a decent debt collector, then why do they use profanity when someone is calling to settle the debt. Is harming people a goal? As a debt collection agency, they should be concerned about getting paid and not making a matter so personal. I know I have a very XXXX first and last name. The tone of the person who has picked up the phone at AArgon twice, completely changes when I mention my first and last name.

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 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter Finance LLC XXXX XXXX XXXX on XX/XX/XXXX without issuing a valid and timely Right to Cure or Notice of Default as required under XXXX  XXXX. My online account records show no statutory notice issued in XXXX. The only notice on file is dated XX/XX/XXXX, which is stale and legally inapplicable. 

Exeter granted payment extensions through late XXXX, requiring issuance of a new cure notice before enforcement. Despite this, Exeter repossessed my vehicle without lawful notice or opportunity to cure. 

I paid over {$12000.00} in payments and an {$8000.00} down payment. As a direct result of this unlawful repossession, I lost scheduled employment paying {$22.00} per hour due to lack of transportation. 

On XX/XX/XXXX, I sent a certified written demand requesting proof of compliance. As of today, Exeter has failed to provide any proof of mailing or statutory compliance. 

Exeter Finance LLC XXXX XXXX XXXX on XX/XX/XXXX without issuing a valid and timely Right to Cure or Notice of Default as required under XXXX XXXXXXXX. My online account records show no statutory notice issued in XXXX. The only notice on file is dated XX/XX/XXXX, which is stale and legally inapplicable. 

Exeter granted payment extensions through late XXXX, requiring issuance of a new cure notice before enforcement. Despite this, Exeter repossessed my vehicle without lawful notice or opportunity to cure. 

I paid over {$12000.00} in payments and an {$8000.00} down payment. As a direct result of this unlawful repossession, I lost scheduled employment paying {$22.00} per hour due to lack of transportation. 

On XX/XX/XXXX, I sent a certified written demand requesting proof of compliance. As of today, Exeter has failed to provide any proof of mailing or statutory compliance. 

This conduct constitutes wrongful repossession, breach of contract, and unfair and deceptive collection practices. I am requesting regulatory review, correction of my credit reporting, cancellation of any remaining balance, and financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Lendumo provided loan illegal in my state ( NJ ) at interest over and above state usury limits. I have repaid the principal amount with them and any interest and fees they have charged me is illegal. I want the CFPB to investigate this business and work to have these predatory businesses shut down. I would like my complaint posted for all to see that this business is predatory and illegal. I have paid them {$460.00} towards the principal of {$390.00} and they claim my loan balance is now {$1600.00} for a loan that originated on XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo
State: MO

Complaint narrative:
I recently found out about the XXXX  and XXXX data breach so I filled out information & realized I was impacted so I decided to order a copy of my credit report on annualcreditreport.com and realized ( 4 ) fraudulent accounts on my XXXX, ( 4 ) fraudulent accounts on my XXXX  & ( 5 ) fraudulent accounts on my XXXX reporting that I didn't open nor belong to me & is a obvious result of identity theft ... the perpetrator also applied with multiple names and addresses that I never associated with the only name and address that I associate with Is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX! There's a lot of inconsistent information reporting on my credit file. 
The accounts that needs 2 be removed or deleted are : XXXX : ( 1. ) XXXX XXXX, ( 2. ) XXXX XXXX XXXX  , ( 3. ) XXXX XXXX XXXX XXXX, ( 4. ) kovo inc, ( 5. ) XXXX XXXX XXXX XXXX XXXX ( 1. ) XXXX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX, ( XXXX. ) XXXX XXXX XXXX XXXX, ( XXXX. ) XXXX XXXX XXXX  XXXX  : ( XXXX. ) XXXX finance company, ( XXXX. ) XXXX XXXX XXXX XXXX, ( XXXX. ) XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX  XXXX

Company response to consumer: Closed with explanation