vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I disputed XXXX separate collection accounts reported by LVNV Funding LLC and serviced by Resurgent Capital Services. The accounts were opened on or around XX/XX/year>, XX/XX/year>, and XX/XX/year>, with reported balances of approximately {$1500.00}, {$2300.00}, {$1000.00}, and {$1400.00}. 

After disputing these debts, I requested documentation proving ownership of each account, assignment from the original creditor, and any contract authorizing collection and credit reporting. In response, the company provided only internal account summary statements and prior billing information, but did not provide proof of assignment, ownership, or contractual authority. 

Despite failing to provide this information, LVNV Funding LLC and Resurgent Capital Services continue to report these accounts to XXXX, XXXX, and TransUnion. All XXXX accounts are currently under active dispute with the credit bureaus. 

I am requesting that the companies either provide proper documentation establishing their legal right to collect and report these debts, or cease collection and credit reporting in compliance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Concora Credit ( Indigo ) has been charging a monthly fee without explaining what the fee is for which is in contradiction of Regulation Z ( 12 CFR 1026.7 ). Every billing statement under the monthly fee category only states how to cancel the fee, however, it fails to provide an explanation of what it is. For over 2 years, I have maintained a XXXX balance and still have to pay the monthly fee every month. In addition to the fee, the fee is only placed on the account on the XXXX, but the statement closes the day before on the XXXX. The XXXX is also the same day Concora Credit sends an update to all credit bureaus. This does not allow me time to make a payment in time which causes a negative impact on my credit score until the XXXX XXXX  monthly fee is reflected on the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a hard inquiry on my credit report from my bank and from XXXX  and XXXX.. I was told that someone turned in an application using my identity to get a capital one credit card. I called them and they filed it with their claims department and is investigating the situation. I froze my credit immediately. I saw that there are several unfamiliar addresses on my credit report that I dont recognize. I would like this to be investigated and the individuals responsible be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was receiving pandemic unemployment on a reliacard and my card was froze for months. After weeks of being on phone and still applying weekly for benefits I was allowed into account but I was already behind on bills dramatically. I was then informed after the pandemic I was apart of a class action lawsuit but all the mail with the info was goin to the wrong address a neighbors home and I wasn't allowed to file any 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 2026-01-18 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: NC

Complaint narrative:
I have MOHELA for my loan provider but have received demands for payments even though I applied for forbearance, I was on a hardship ( loss my job ), I was given inaccurate information about my loans, my loans are recorded several times as duplicates on my credit report, I was charged large amounts of interest, and my credit report has inaccurate reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I keep receiving spam calls from Portfolio Recovery Associates. These calls tend to be from around XXXX calls a day. Less or more depending on the day. It also states that I owe more than the debt I began with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Climb Credit Inc.
State: IL

Complaint narrative:
I talked to an XXXX XXXX associate called XXXX XXXX, I was swayed to giving him my SSN to enroll me, but I never touched a course because I never put my credit card in there in the portal, nor did I touch a course. Now XXXX from the same company is contacting me saying I should pay $ XXXX  monthly for XXXX months. I can not afford this, nor do I have the time for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding Chimes handling of my debit card dispute. 

I made a purchase on XX/XX/year> for over {$170.00}. The merchant advertised the items as in stock and ready to ship. In reality, the items were not manufactured or shipped until approximately XX/XX/year>, nearly two months later. 

This constitutes merchant misrepresentation and a violation of FTC shipping and advertising rules. Chime denied my dispute without providing a written denial reason, merchant evidence, or a meaningful opportunity to appeal, as required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
Account was proven to be fraudulent and deleted from my credit report account has been sold and submitted again. I have attached a FTC report that originally had the account deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Attached is a single, chronological PDF compiling all written correspondence between XXXX  XXXX XXXX and JPMorgan Chase Bank concerning a credit card account opened by a former officer and maintained without current authorization. Despite repeated written requests, Chase has declined to provide records, confirm closure, or allow the organization to mitigate ongoing financial risk. The attached timeline documents these efforts and Chases responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/year>, I sent {$180.00} via XXXX through Bank of America to a phone number by mistake. The payment was intended for a different person. The recipient is enrolled with XXXX under the name XXXX XXXX. 
As soon as I realized the error, I contacted Bank of America and requested recovery of the funds. I also attempted to contact the recipient, but the recipient blocked communication and did not return the money. 
Bank of America informed me that the transfer was considered authorized and denied my claim. I requested confirmation of recipient bank outreach and documentation supporting the decision, but I did not receive clear information or evidence that recovery efforts were successful. 
I am requesting assistance to ensure proper escalation, transparency regarding recovery efforts, and reconsideration of my request for reimbursement or recovery of the funds.

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 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: CT

Complaint narrative:
I originated a personal loan ( Account # XXXX ) with Pinnacle Bank ( serviced by XXXX XXXX ) in XX/XX/year>. The loan amount was approx. {$130000.00} with an APR of 17.37 %. At the time of signing, I had a credit score of over XXXX, yet was sold a product with sub-prime pricing. 
Due to medical hardship and other extenuating financial circumstances, I can no longer afford the {$2700.00} monthly payment. I proactively contacted the lending servicer ( XXXX XXXX ) as instructed on XX/XX/year>, to request a hardship modification to avoid default. The lender refused to assist. In writing, their representative stated : " XXXX  does not have any hardship programs or modifications for loans that are in good standing. '' They explicitly advised that I could refinance my loan for a lower rate and new terms acknowledged that they saw I recently did and got denied, and said I could get a payoff letter and pay them off with another loan from another lender. This was an unacceptable response. 
The lender is engaging in an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) by : XXXX. Incentivizing default : They are requiring me to damage my credit history and incur late fees before they will discuss loss mitigation options. 
XXXX. Refusing reasonable accommodation : Despite being notified of extenuating financial circumstances and my intent to potentially file bankruptcy if a resolution isn't found, they have refused to engage in good-faith modification efforts while the account is current. Ive made 7 payments, but the terms of this loan and the interest are barely making a dent and its not possible for me to continue making these huge payments. 
I am seeking a modification of the interest rate to lower my payment to an affordable level ( $ XXXX ) to avoid default and potential bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a transfer from my bank in XXXX for the amount XXXX Which on that day, the bank XXXX XXXX had the transfer rate of XXXX from euros to dollars. 
I walked into a Wells Fargo bank to request information needed for that transfer and was told there is no fee when they receive that money. I paid all my fees to the bank in XXXX for the transfer from beginning to end when the transfer arrived to Wells Fargo the amount of dollars I received was {$93000.00}. Which should have been {$96000.00} aprox at that days rate. 
I contacted Wells Fargo and walked into a branch to discuss this and complain and they sent me several letters telling me that the rate at the time of the transaction was affected and that a standard markup would be applicable to my transaction and that markup wouldve been {$1.00} instead of the {$1.00} of that days euro/US dollar rate. 
A {$2500.00} ( more or less ) difference in that exchange rate and this markup affected my transfer. I have complained several times and kept receiving the same letter that the case is closed and that they have nothing else to do for me. I have done international transfers to XXXX and from XXXX for many years and I have never seen a markup like this. Usually theres a rate that they use, but its never this large the difference and sometimes its only a fee and a small difference in the rate! I feel that Wells Fargo cheated me did not give me the correct information when they told me there is no fee to receive money as I paid over {$700.00} to make that transfer from XXXX to the XXXX, meaning I assumed all the fees for both banks! 
I will be closing all my accounts with them, but I would like to put this case to rest. My complaint is genuine, and I feel that it should be looked into no bank should have to take that kind of money from their own customers upon transferring money from a foreign Country.

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 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
My wife and i orginally purchased the house from XXXX XXXX  in XX/XX/XXXX. XXXX XXXX  wrote the XXXX  refinance loan for the home in XX/XX/XXXX, that they were not suppose to write, due to condition problems that was disclosed by there assessors report from the company XXXX XXXX  hired. When I tried to refinance after my wife and I divorced, around XXXX, XXXX XXXX  said that they couldn't refinance for the same reasons as on the original condition report. But they did refinance it XXXX XXXX before when my wife and I were married. I lost {$86000.00} in home equity and had to sell the home for less than I paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo changed the minimum daily balance requirement on my Everyday Checking account from {$500.00} to {$1500.00} and increased the monthly service fee from {$10.00} to {$15.00} without providing me any advance written notice by mail, email, or secure message. 

I only became aware of the change after being charged a {$10.00} service fee on XX/XX/XXXX. When I contacted Wells Fargo, they acknowledged I had not been notified and reversed that fee on XX/XX/XXXX. 

Because I was never informed of the new requirement, I did not transfer funds to meet the {$1500.00} minimum until XX/XX/XXXX. Wells Fargo then charged me a second monthly service fee of {$15.00}, claiming I failed to meet the new balance requirement in time. They are refusing to reverse this fee, stating I already used my one-time courtesy refund even though the fee directly resulted from the same undisclosed account change. 

This is not a courtesy issue. This is a disclosure failure under Regulation DD. The XXXX fee occurred solely because Wells Fargo did not provide required advance written notice of the change in account terms. 

I am requesting reimbursement of the {$15.00} fee and confirmation of when and how Wells Fargo claims notice was provided 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 explanation
Consumer complaint received 2026-01-18 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am submitting this complaint regarding a serious billing error on my Wells Fargo credit card account. 

My correct outstanding balance should be {$2200.00}, however Wells Fargo has incorrectly reported and billed me for {$4900.00}. There are no valid purchases, fees, or authorized transactions that justify this inflated balance. 

I carefully reviewed all my statements and transaction history and could not find any charges that explain this discrepancy. This appears to be a clear billing error. 

I contacted Wells Fargo customer service to resolve this issue, but the problem was not corrected and no proper investigation was conducted. 

I am requesting an immediate correction of my account balance to the correct amount of {$2200.00}, a full investigation into this billing error, and written confirmation that my credit report will not be negatively affected due to Wells Fargos mistake.

This incorrect billing has caused financial stress and must be resolved immediately.

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 2026-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I purchased a XXXX truck and have a XXXX  % apr. And my monthly payments are going straight to interest instead the actual truck my interest is almost the cost of my monthly payments. The way this is going XXXX never own this truck XX/XX/XXXX the total price was {$49000.00} I pay {$690.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I went out of town when I got to my destination I used my card to buy pizza it declined the teansaction I got a message asking if it was me I said yes then I was able to complete the transaction. 10 minutes later I got to my hotel they told me it was declined again. I called Huntington they told me my card was blocked until XXXX the next morning I got a supervisor who said it would be fixed in two hours. On the XXXX I tried again my card was still blocked called again they told me I will have to use an alternative financial institution because my card will be locked until Tuesday because that department is closed until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I was monitoring my credit report and noticed that my score dropped XXXX points on XX/XX/year> .When I noticed the drastic change i looked further and realized that a credit card account with XXXX  appeared stating it was open on XXXX XXXX with a credit limit of {$200.00} which closed on XX/XX/year> with a reported balance of {$150.00}. It also shows that the account was current. I never opened this card nor authorized anyone else to use my information. I reached out to them and they told me there was never an account opened and they couldn't give me any further information because the account was never opened .I need this account removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Received a notification on my credit report but never received any letters or calls that it was in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My vehicle was repossessed by Chase Auto in early XX/XX/XXXX. I did not receive a proper pre-sale notice informing me of the time or place of the sale. 

On XX/XX/XXXX Chase sent me a deficiency balance letter stating the vehicle sold on XX/XX/XXXX for {$14000.00}, and that I allegedly owe a deficiency of {$10000.00} after adding interest through XX/XX/XXXX. However, Chase is reporting a different charge-off balance of {$9900.00} to the credit bureaus, which does not match the deficiency Chase claims in writing. 

Chase did not apply the GAP refund even though I purchased GAP at the dealer and the deficiency letter states I may be entitled to a refund. There was no itemization of fees, no explanation of how sale proceeds were applied, no calculation showing how interest was determined after repossession and after sale, and no documentation supporting the sale price. 

I requested information about how the deficiency was calculated, including itemization, GAP refund credits, and sale documentation, but the response was incomplete and unresolved. The deficiency calculation appears inaccurate, inflated, and potentially uncollectible under UCC Article 9, and furnishing an inaccurate charge-off balance to the credit bureaus is misleading and causing credit harm. 

I am requesting that Chase provide validation of the alleged deficiency balance including : ( XXXX ) pre-sale notice, ( XXXX ) itemized deficiency calculation, ( XXXX ) GAP refund credit, ( XXXX ) sale documentation, and ( XXXX ) an explanation for reporting XXXX different deficiency balances. If Chase can not verify that the deficiency is accurate and legally owed, I am requesting that the trade line be deleted from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX ) This charge for medical testing is fraudulent. It is not supported by an invoice despite multiple requests. XXXX XXXX can be covered by insurance but not without an invoice. 

XXXX ) Only part of the test results ordered were provided and were provided LATE. 

XXXX ) Amex ignored the dispute, recharged, provided no proof or supporting documents. This charge is obviously illegal without a supporting invoice and without providing ALL of the services paid for. 


Date Status Description AmountView Transaction Details XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  {$150.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Torriere Holdings INC
State: TX

Complaint narrative:
I would get calls to my job stating that it was in my best interest to call them back because I could get sued for not taking action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation