vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am requesting assistance with a billing dispute that was not properly resolved by Comenity Capital Bank- XXXX XXXX XXXX XXXX In XX/XX/year>, I purchased a XXXX package from a merchant with the understanding that any unused services would be refundable or credited if I chose not to continue. After completing XXXX session, I experienced significant and ongoing XXXX XXXX and decided not to proceed with further treatments. I contacted the merchant to request a refund for the unused portion of the services. The merchant has since refused to issue a full refund, stopped responding to my communications and my calls are blocked, they refused to provide a copy of the signed contract outlining any refund or cancellation terms. I filed a dispute with Comenity Capital Bank. However, the investigation resulted in only a partial credit, The card issuer stat3ed that the refund was adjusted based on a " discounted package price '', despite the merchant failing to provide any documentation supporting this claim. I am disputing this outcome because : The services were not fully rendered The terms of the refund policy were misrepresented at the time of purchase The merchant has not provided a contract to support their position I experienced ongoing physical pain after the initial service, preventing further use I am requesting that the credit card company Reopen and fully investigate this dispute Require the merchant to provide a signed agreement showing any non-refundable or prorated terms Issue a full refund for the unused services if such documentation can not be provided This matter falls under billing protections for services not rendered and misrepresentation under the Fair Credit billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I wired funds from my business account to my personal checking account at TD Bank on XX/XX/XXXX. I regularly wire funds from my business banking to my personal checking account without issue. This wire was to cover my XXXX IRA contributions. On XX/XX/XXXX I received wire confirmation with Federal Reference Number confirming that the funds have been successfully sent so I made my contributions. On XX/XX/XXXX I received an email that my TD Bank account was overdrawn. I immediately called and was told that the funds were received by their wire department and would be deposited to my account by end of day XX/XX/XXXX. I was also told that no withdrawals would be returned. On XX/XX/XXXX I again received emails that my account was still overdrawn. When I called TD Bank again they are now telling me that the withdrawals are being reversed because they haven't cleared my funds yet due to an ongoing issue with the Federal Reserve. This is untrue because I send and receive funds from my business account daily and have had no issue with week. I was told by XXXX XXXX at TD Bank that there is nothing TD Bank can do about it and that it was my problem. This is now costing me my XXXX IRA contribution so I have tax liabilities as well as returned check fees on both accounts. Wire confirmation with Federal Reference Number highlighted is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: NY

Complaint narrative:
On XX/XX/year> I reported to well Fargo bank that I had been a victim of a robbery scam whereby XXXX XXXX XXXX took me XXXX in a car from a bar called XXXX XXXX and used my debit card to make XXXX debit card atm withdrawals totaling {$2600.00} and only when they drained the card and were carelessly I managed to escape the moving vehicle at XXXX XXXX and XXXX XXXX XXXX and I made a complaint to dept of justice for XXXX abuse and provided bank with complaint number and they denied my case. I was a XXXX of a scam and I am asking for your agency to intervene and get my money back this is an injustice and the bank is making it worst!!

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX XX/XX/year>, I attempted to withdraw {$180.00} doing a Cash advance on my Chime credit card. It was approved and just as my funds were given there was a power failure in the entire store ( XXXX ) in XXXX. When the power was restored the ATM machine controlled by XXXX bank did not give me the {$180.00} that was approved. Both banks keep giving me the run around. I am told it would take up to XXXX days to fix this problem. The withdrawal was to pay bills. Is there any way you can help in straightening out this problem? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CONTRACT CALLERS INC
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XXXX of XX/XX/year> at XXXX I received a call from Wells Fargo regarding a credit card application that I did not submit. The application was submitted in XXXX Texas and I live in California. According to XXXX It didn't look right to them because the application was from XXXX and I am in XXXX. He called from ( XXXX ) XXXX. He asked if I had made the application and I said no. He said he denied the card application. He had my social security number. All of that seemed OK, but then he asked me about XXXX charge on each of my credit cards, but those cards are with XXXX XXXX XXXX XXXX and not Wells Fargo. He had the card numbers. I got a little suspicious of that, so I called the number we were talking on with another phone. It said it was a Wells Fargo number. I did verify again today, XXXX XX/XX/year> about XXXX AM. I called XXXX XXXX at XXXX XXXX on XXXX XX/XX/year> to close my cards. I then called XXXX at XXXX. Then I called XXXX at XXXX XXXX on XXXX XX/XX/year>. I opened a dispute and started an account to monitor my credit. That cost {$140.00} a month. I started to think the bank call was the SCAM and not an attempt to open a credit card without my permission. XXXX encouraged me to open a complaint to have record of the proceedings to keep me from being liable. I also wanted to inform every XXXX of the credit card fraud. Also, maybe ask Wells Fargo to not bring other banks into it. I am very thankful that the called to inform me, but I had doubt because they mentioned my other bank and credit cards. They informed me so fast that was able to go to olden XXXX and close my XXXX credit cards and get new cards so I do appreciate that.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have asked for this account to be closed since XXXX. They continue to refuse to allow me to close this account stating that I have to come in. The closest location is XXXX hours away from me. I opened the account online and did all of my banking online. I no longer use this account and have even turned off my debit card, but they are continuing to charge me a {$15.00} service fee for the past XXXX months. I want my money refunded and my account closed. They can mail or fax me any paperwork that needs to be signed. I am being price gouged and this needs remedied. This doesn't need to be a difficult situation. Of note, I chose to close the account after I reported a fradulent charge that they still paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
In XXXX, I originated a XXXX mortgage with XXXX XXXX. A material inducement was the " DIRECT Home Rewards '' program. I was provided with a DIRECT Home Rewards Calculator disclosing that a monthly reward of $ XXXXpaid into a dedicated account at XXXX XXXX XXXX result in a Net Effective Interest Rate of XXXX %, despite a Note Rate of XXXX %. From XX/XX/XXXX through XX/XX/XXXX, I successfully received these monthly rewards. They stopped providing the rewards in XXXX, saying they would restart in XX/XX/XXXX due to a process change and would provide the missing XXXX through XX/XX/XXXX after the change in XXXX. They never provided these credits. Emails with XXXX XXXX said they would look into it and provide the missing credits. After Rocket Mortgage acquired XXXX XXXX in XX/XX/XXXX, the rewards were paid for all of XXXX, but ceased in XX/XX/XXXX. This default followed a written admission of debt from XXXX XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, confirming my compliance and promising to process back rewards. When I followed up further on this, on XX/XX/XXXX, the company issued a " XXXX XXXX '' notice stating they would no longer honor back rewards. On XX/XX/XXXX, a XXXX XXXX verbally claimed the agreement did not transfer. I reject this. By terminating this {$97.00} monthly credit, Rocket Mortgage has unilaterally increased my cost of credit from the disclosed XXXX % back to XXXX % in violation of TILA. Desired Resolution : A one-time principal credit of {$13000.00} to settle all past arrears and the present value of future rewards through maturity in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was targeted in a sophisticated bank impersonation scam. The caller claimed to be from my banks XXXX XXXX and already had detailed information about my recent transactions and debit card activity, which made the call appear legitimate. Because I had recently experienced actual fraud on my account, I reasonably believed the call was real. The caller instructed me to go to a XXXX branch in XXXX XXXX, Texas, as part of what I was told was an active XXXX investigation. I was told the transaction would show on the XXXX side but be blocked on my banks side. I followed those instructions because I believed I was helping stop fraud. I later learned the transaction was actually processed as a debit card cash advance on XX/XX/year>. The transaction amount was {$19000.00}, plus a {$10.00} XXXX fee, for a total of {$19000.00}. I did not knowingly authorize a debit card cash advance of that kind. The transaction as processed was materially different from what was represented to me. I reviewed my banks Account and Service Fee Schedule, which states that the debit card cash advance limit is {$1000.00} per card, per XXXX hours. I requested a written explanation of how a {$19000.00} debit card cash advance was approved, whether any limit override occurred, who authorized it, and what XXXX review was performed. I also mailed a formal written dispute letter to the bank. The company has not provided that information as of yet.

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 2026-04-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
received a call 3x's-listed as spam, ignored the first 2 calls, but when they called back a 3rd time I answered. Call received from XXXX. Advised it was American Express Card. Advised I don't have an American Express Card and asked to be removed. Caller advised a credit card was issued on XX/XX/XXXX, # XXXX, exp XX/XX/XXXX. Provided, my name, the last 4 of my ss #, email address, DOB ( which was incorrect ). said the card was issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Said a purchase was made online from XXXX XXXX for ( XXXX ) guns and shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Person calling was a XXXX XXXX, gave an American Express ID # XXXX, Fraud Analysis. And then advised that I would be transferred to the FBI. Asked for a number in case we were disconnected and said she could not provide a number. Waited and was connected to the 'FBI '' asked for a number to call back as was given XXXX not answer in a professional manner. Directly called American Express XXXX and spoke with XXXX who confirmed I did not have an account opened with American Express-that it was a fraud call, full # not given out and no employee id # 's. Will be contacting the reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I am writing to formally dispute a charge of {$180.00} for lender-placed insurance. Despite providing conclusive proof of continuous hazard insurance coverage for the entire period in question, First National Bank of PA is refusing to refund the premiums charged. While the policy was eventually canceled after I provided my declarations page, the {$180.00} premium remains unrefunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2026-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Westcreek Financial
State: CO

Complaint narrative:
I purchased my XXXX repairs {$1900.00} from XXXX and they [ rescribed Koalafi to fund the repairs under a supposed " lease agreement ''. I paid the {$350.00} monthly pmts in a timely manner for a total of within XXXX days which Koalafi stated no interest charges would accrue. Two weeks ago they showed payoff of $ {$700.00} andI was willing to pay the unpaid balance of {$350.00} and {$340.00} plus any finance charges. Then last week XXXX stated my payoff was now changed to $ XXXXwhich is more than I originally borrowed for the XXXX repairs. Therfore, I emailed the complainy to their Customer Support, calledvCustomer Support and got phone call hung up several times, wrote XXXX with the complaint noting their demand was usury and demanded the payoff charges be rectified to show the remaing {$700.00} or finance charges ... but, they processed the {$1900.00} payoff. Therfore I will have paid {$3600.00} against {$1900.00} purchase and been charged {$1700.00} in charges for a ninety day loan. Please help to rectify!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am submitting this complaint regarding two vehicle loans serviced by Mountain America Federal Credit Union, both of which have unresolved title issues that have prevented me from registering my vehicles and legally operating them. Vehicle XXXX : XXXX XXXX XXXX For over 200 days, I have been told the title is in route to XXXX XXXX XXXX branch and will arrive by Monday XX/XX/XXXX Vehicle XXXX : XXXX XXXX XXXX I was informed that the title had been sent but was lost in the mail around XXXX. Despite this, a duplicate title was not requested until XX/XX/XXXX. This delay is unreasonable and has significantly prolonged the issue. I am no longer able to legally operate this vehicle as I have surpassed the legal temporary registration allowed. As a result of these failures, I have experienced the following impacts : I have purchased multiple temporary registrations ( two 90-day permits and one 30-day permit ). I have surpassed the legal limit for temporary registrations under Arizona law. I am unable to legally operate my vehicle. My registration period will effectively be shortened due to backdating once registration is completed. I have spent significant time and effort attempting to resolve these issues. I have been without access to this vehicle for over a week, which has directly impacted my ability to work. I have incurred additional out-of-pocket expenses for a rental vehicle due to the lack of access to my own vehicle. Despite repeated contact with the credit union, these issues remain unresolved, and I have not been provided with clear answers, documentation, or a reliable timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am being sued by Wells Fargo, I was working with alleviate financial to help me pay off the debt that I currently have. And they are the ones that spoke to Wells Fargo to settle the debt, but they are saying that nothing has been resolved. But I checked on my credit report from all three agencies and that all say the same, that the account has been settle and it has been charged off. I dont think its right that they can do that. I was told that once they write off a debt, they are suppose to send me a 1099 and I report it as income. But I never received it. I am being sued for {$15000.00} plus court fees. I have no clue to what arrangement alleviate came to with wells Fargo. Yesterday I fired them, they were not doing their job. I asked for the payment history, or some type of paper that would help me continue paying my debt, but they gave me nothing, and I am currently looking for an attorney that will help me with law suit. But I am currently unemployed, so this is going to be a challenge. The account number to wellsfargo is : 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 explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Since approximately XXXX of last year, I have been in ongoing communication with the company regarding my auto loan. During this time, I have repeatedly requested clear and complete information about my account, including my balance, payoff amount, and overall loan status. The company has provided some information during this period. For example, a payment history was previously provided, and another updated payment history was sent in XXXX of this year. However, despite these partial responses, I still do not have clear and consistent information regarding my full loan details. The main unresolved issue is related to a deferment. I was informed by the company that I qualified for a deferment, but I have never received any deferment agreement or official documentation. When I follow up regarding this, I continue to receive unclear or inconsistent responses, and the issue has not been resolved. As a result, I remain uncertain about the status of my loan and am unable to properly manage it or move forward with options such as refinancing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My ( Chase bank ) mortgage escrow account has been closed for years with the mortgage company & they keep requesting my property tax bill from the county tax office as if they're still the lien holder. I have requested they stop but they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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