vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Final Version ( Use This ) My Wells Fargo credit card account was recently closed after XXXX returned payments. These returned payments were not intentional, but occurred because I had recently switched my direct deposit and primary banking to a new account. During this transition, I mistakenly believed my credit card payments were being drafted from my new account, when in fact they were still being drafted from my previous account, which no longer had sufficient funds. This was the first time I have ever experienced returned payments, and I was not aware that this situation was occurring until after the fact. As soon as I became aware of the issue, I took immediate steps to correct it and contacted Wells Fargo to explain the situation. This credit card account is one of my oldest accounts, and I have always managed it responsibly. I have a consistent history of on-time payments, have not carried large balances, and have maintained the account in good standing prior to this incident. The account has since been brought current. I made a good-faith effort to resolve this directly with Wells Fargo and explained that this was an honest mistake during a banking transition, not an attempt to avoid payment. Despite this, my request to have the account reopened was declined. At the time, I had sufficient funds available in another account and believed my payments were being processed correctly, which contributed to the delay in recognizing the issue. I understand the banks policies regarding returned payments ; however, I am respectfully requesting a reconsideration and a one-time exception to reinstate the account given my history and the nature of this error. The closure of this account may significantly impact my credit profile due to the loss of account history and is particularly concerning as I am currently preparing to purchase a home.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I noticed several unauthorized charges on my Citi credit card ( See below ) on XX/XX/year>. I called and chatted, several times with their reps & were transferred to their Billing, Dispute, and Fraud departments since XX/XX/year>. Each time, they kept telling me that my payment is due, then they will ask for the unauthorized charges, the police report number, etc. once I told them about the disputed unauthorized charges. I also explained to them each time, that I was not in that area and which company would charge XXXX times ( {$100.00} ) in one day and then the same amount the following day. Then, same with the gas company. They kept telling me that they will investigate ( since XX/XX/year> ) but they keep racking up the late fees and interest charges. They did put on my statement that they're all " Disputed '' but it has also affected my credit report due to the past due balance. XX/XX/XXXX, XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX- {$100.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX- {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- {$100.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$36.00}

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
IN XX/XX/year> I REACHED OUT TO ALL CREDIT BUREAUS TO NOTIFY THEM OF IDENTITY THEFT ALONG WITH MY FTC REPORT. XXXX XXXX DELETED THE DEBT FROM MY CREDIT REPORTS AND TURNED AROUND AND SOLD IT TO LVNV FUNDING KNOWING MY IDENTITY HAD BEEN STOLEN AND THEY COULD NOT VERIFY THE INFORMATION. THE CFPB SHOULD LOOK INTO BOTH COMPANIES POLICIES AND PROCEDURES ON SELLING DEBT AND HANDLING DEBT AFTER BEING NOTIFIED OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
Complaint : I am filing this complaint regarding the continued negative reporting of an account by Vanderbilt Mortgage and Finance that does not reflect my current financial standing and is causing significant harm to my ability to secure housing. I have made multiple good-faith attempts to resolve this matter directly with Vanderbilt, including requesting a goodwill adjustment or reconsideration of how this account is being reported. Despite these efforts, my request was denied without meaningful review or consideration of my current circumstances. At this time, I am actively preparing to purchase a home within the next 3060 days. This account is the primary negative item preventing me from qualifying for a mortgage, despite the fact that I have taken responsible steps to improve my financial situation and address my obligations. I am requesting that Vanderbilt Mortgage and Finance conduct a thorough review of this account and consider a goodwill adjustment or removal of the negative reporting. This request is based on the following : * I have demonstrated a commitment to resolving my financial obligations * My current financial profile reflects stability and responsibility * This account, as reported, is disproportionately impacting my ability to secure housing Additionally, I request that Vanderbilt verify the full accuracy and completeness of all information being reported to the credit bureaus. If any aspect of this account can not be properly verified, I request that it be corrected or removed in accordance with applicable credit reporting standards. I am seeking a fair resolution that reflects both my efforts to resolve this matter and my current financial position. I respectfully request a timely review and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: FL

Complaint narrative:
Purchased a car license plate renewal with an online company named XXXX. State DMV denied the renewal. Contacted the company XXXX for a refund and they stated they could only offer a partial refund. Initiated a dispute with Goldman Sachs Apple Card and provided all the information. Even chatted with an agent to explain I wanted a refund on the portion not refunded. Goldman Sachs doesnt have a process to speak directly with the disputes department and automatically sides with the merchant. CFPB needs to review in detail the disputes process ( or lack of ) that Goldman Sachs is using.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I received notification from my credit monitoring that I had a collection from XXXX XXXX for a debt I do not recognize. I have received any letters from this company in the mail. This violates my 30 day right to dispute per the FCRA. I am requesting validation for this debt.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA informed me two days before I received my direct deposit from the VA that they were going to be closing my account, and that I would not have access to any funds deposited for at least 60 days, and then they would send me a paper check. This is my only source of income, I am a XXXX veteran and will be homeless if this money does not get access to me.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In recent months, the XXXX XXXX BOA credit card changed due to company changes. Therefore, we were sent a new BOA XXXX card. We made the payment of {$3900.00} on XX/XX/year>, and it was applied to the previous Alaska Credit Card. We called BOA to resolve the mistake and were advised that the only way to correct this was for them to issue a refund of {$3900.00}, and it had to be refunded the same way BOA received it. It was going to take 4-7 days for the refund. After a week, we called BOA to find out where our refund was, and they advised us that it could not be processed electronically and that it was mailed to us. After 15 days of waiting for the paper check to arrive, we called BOA to find out where our refund was. They advised us that they needed to place a stop payment on the check and issue a new refund. They declined to waive the interest charges of {$64.00} that were charged to the new XXXX XXXX XXXX while we were waiting for our refund. The late fee of {$29.00} was refunded. In additional phone calls to BOA regarding the interest charges for {$64.00} we were told that there is no one we can speak to regarding this matter and that once the department had declined the charges, that was it and no one could help us. In the meantime, it took Bank of America over 30 days to mail us a check for {$3900.00}. Customer service is a dead end, and there is no escalation process at BOA to address such a simple issue and provide good customer service to a loyal customer. In conclusion, it took Bank Of America from XX/XX/year> until XX/XX/year> to mail a check to a customer. There was no way for them to transfer the money electronically. This is extremely difficult to believe that a BANK this size is unable to issue a refund the same day to a customer who has a BOA checking, savings, and two BOA credit cards.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Columbia Collection Service, Inc.
State: UT

Complaint narrative:
I received notification from my credit monitoring that I had a collection from Columbia Collections for a debt I do not recognize. I have received any letters from this company in the mail. This violates my 30 day right to dispute per the FCRA. I am requesting validation for this debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX, I paid off the balance on my auto loan in the amount of {$1400.00} for a used XXXX Honda accord, with Capital One as the lender. I was never sent the title or received any statement of lien release. On XX/XX/XXXX, I requested a duplicate title for the vehicle in preparation for selling the vehicle to a friend. I received the title, but noticed the title stated there was still a lien against it and that capital one was the lien holder. I have attempted numerous times to contact capital ones auto department to request they send a lien release to the state, but in every attempt, their automated phone service has disconnected me or been otherwise unable to connect me with anyone who can help. When requesting to speak with a live agent, the phone system will flat out refuse to connect me with anyone and hang up my call. As the lien has been fully paid off, I no longer have an account with capital one, and providing my old account number or SSN is met with a we cant find this account message from the system. Capital One has failed in their very basic responsibility to release the lien and this inconvenience is actively preventing me from providing for my family with the money the sale of this vehicle would provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: CO

Complaint narrative:
I enrolled with Beyond Finance 1 year ago to consolidate my debt, and pay $ XXXX monthly to pay then off The debt is now on my credit report as charged off, this was not in the agreement, I make biweekly payments towards the debt. I was led to believe this was goi g to the debtor, They have not received any money and my credit score is worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute a XXXX XXXX account that has been reported under my name. This account is fraudulent and was opened without my knowledge, authorization, or consent. I did not apply for this account, I did not authorize its opening, and I have not benefited from it in any way. Any application, signature, or documentation associated with this account is unauthorized and the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent me {$1000.00} for money that they owe me due to a loan. Later this person mistaken submitted a dispute, and together we went to XXXX XXXX bank and they withdrew the case. On XX/XX/XXXX XXXX notified me that my number and email were good to go with no restrictions, but XXXX XXXX XXXX hasn't released the Lock and its causing me really hard time.

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 2026-04-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I paid {$100.00} for a Vanilla card on XX/XX/XXXX. The card was defective/compromised. The company admitted fault but sent a replacement with the wrong name. Since XX/XX/XXXX, they have promised verification emails that never arrive, effectively stealing my {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against XXXX for wrongfully closing my account based on alleged fraud & Reporting incorrect information on my consumer report which is hindering me from accessing futures accounts with other institutions. I have never committed fraud or knowingly participated in fraudulent activity. I previously spoke with XXXX representatives who informed me this issue would be corrected, but the matter was never resolved and my account was still closed. Discovers actions may constitute unfair or deceptive practices under the Consumer Financial Protection Act, which prohibits unfair, deceptive, or abusive acts or practices by financial institutions. I am requesting : 1. A written explanation for the account closure 2. Removal of any unsupported fraud-related notations or restrictions tied to my name 3. A formal review of this matter and written resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
FORMAL ESCALATION COMPLAINT UNFAIR AND DECEPTIVE SERVICING PRACTICES Borrower : XXXX XXXX Loan Number : XXXX Date : XX/XX/XXXX To : Federal Trade Commission RE : Escalation Complaint Select Portfolio Servicing , Inc . I am submitting this escalation complaint regarding the mortgage servicing conduct of Select Portfolio Servicing , Inc . The servicer has continued to treat my mortgage loan as a standard performing obligation despite the fact that the underlying property has been rendered hazardous and uninhabitable due to environmental contamination following a catastrophic fire. Testing confirmed the presence of asbestos, dioxins, and furans. The property has remained vacant since XX/XX/XXXX. Despite receiving documentation of these conditions, the servicer continued to impose reinstatement demands, trial payment requirements, and adverse credit reporting. In response to my complaint, the servicer has focused on insurance disbursements and repayment obligations, while ignoring the material fact that the collateral securing the loan is severely impaired and unsafe. The servicer has also alleged that I executed a repair or hold harmless agreement, which I dispute and have requested verification of. Foreclosure proceedings were initiated and later cancelled, and the matter was placed into loss mitigation review following notice of these conditions. The continued imposition of financial demands and servicing actions under these circumstances may constitute unfair or deceptive practices. Enclosed is the invoice for testing of furans and dioxins. I respectfully request review of this matter. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently discovered that EverBank flagged activity involving me as suspicious or fraudulent after I transferred money via XXXX between accounts that I own. This was a legitimate transaction involving my own funds, and at no time did I engage in any fraudulent activity. This matter has gotten to my other bank and now my account is blocked from any activity. As a result of this flag, I have experienced significant consequences, including : * My personal bank account being frozen or restricted * Loss of access to online banking services * Negative impact on my ability to conduct normal financial transactions * Third-party institutions taking adverse actions based on this allegation I was never contacted for clarification before this action was taken, nor was I provided any documentation or explanation supporting the fraud claim. I am requesting the following : * A full investigation into this matter * A written explanation of the specific reason my activity was flagged as fraud * Immediate removal of any fraud flags or internal designations associated with my name * Confirmation that no negative information has been reported to third-party systems such as XXXX XXXX XXXX or XXXX ; or, if it has, that it is immediately corrected and removed * Written confirmation that I have been cleared of any wrongdoing This situation has caused financial hardship and reputational harm, and I expect it to be handled with urgency and fairness. Please provide a written response within 15 days. If this issue is not resolved, I am prepared to escalate this matter further!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased and financed a vehicle on XX/XX/XXXX, through XXXX XXXX XXXX XXXX The loan was fully paid off on XX/XX/XXXX, and XXXX XXXX XXXX XXXX issued a notarized lien release confirming that there was no remaining balance and no security interest on the vehicle. After the loan was paid and the lien released, a new contract appeared in XX/XX/XXXX with Ally Financial. I did not sign or authorize this contract. Any electronic signature associated with this agreement was not authorized by me and may have been reused from a prior transaction. On XX/XX/XXXX, Ally Financial acknowledged that this account was under fraud investigation, reassigned it to the dealer, and requested that it be removed from my credit report. Despite this, my vehicle was repossessed. This repossession occurred while the account was under fraud review and after Ally had already acknowledged issues with the validity of the account. I have attempted to resolve this matter directly with Ally Financial and the dealer, but I have not received a clear explanation or resolution. I have been transferred between departments without answers. This situation involves a vehicle that was already paid in full, a disputed and unauthorized contract, and a repossession that occurred without a valid basis. I am requesting a full investigation, immediate clarification of responsibility, and appropriate 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