vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I co-signed and purchased a vehicle from XXXX XXXX and received dealership financing and specifically XXXX insurance in XX/XX/year>. In XXXX, the truck we purchased was totaled in an accident in which a driver t-boned my husband as the driver on a XXXX XXXX XXXX. After my personal insurance declared the vehicle totaled, I was instructed to contact XXXX to find out what remaining costs were on the loan. I hadnt missed a payment at that point, there was nothing rolled over and added costs to my knowledge that XXXX XXXX cover. When my husband and I attempted to contact our XXXX insurance provider, they were radio silent and ghosted us. Each time we communicated with our lender- Regional Acceptance- we were told they would contact XXXX on our behalf. They never successfully did to my knowledge. We never received any paperwork or confirmation from the XXXX provider through XXXX XXXX. At XXXX point my husband went into the dealership to ask personally why their XXXX provider was unable to contact to which they voiced concern and said theyd be in contact. To our knowledge this NEVER happened. We were expected to pay a remaining $ XXXX on our loan. When we signed up for the GAP at the dealership, the financial XXXX essentially told us GAP would COVER any negative equity etc post accident. Now we are months delinquent and have a charge-off from Regional XXXX of $ XXXX. I want to get to the bottom of this.

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 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: FL

Complaint narrative:
CFPB Complaint Description ( Revised for Clarity and Impact ) I am submitting this complaint regarding repeated and excessive collection calls, as well as unprofessional conduct by a representative. During the week of XX/XX/, 2026, I received multiple calls from your company, many of which were flagged as spam. I answered the initial call and spoke with an agent who confirmed that the required information had already been sent to me. I acknowledged receipt of the information, and the agent advised that I would be able to make my payment online. Despite this clear communication, I received additional calls the following day and on subsequent days. Each time, I informed the representatives that I had already received the information and was aware of how to proceed with the payment. On XX/XX/, 2026, I received another call. During this call, I again explained that I had received the information and stated that I was currently recovering from a recent XXXX. I informed the agent that I intended to make the payment, but needed additional time due to my medical recovery. The agent, identified as XXXX, responded in a dismissive and inappropriate manner. She stated words to the effect of, Oh, you just had XXXX XX/XX/XXXX days ago, and youre still under anesthesia? and made a mocking or sarcastic sound. This comment was unprofessional, disrespectful, and insensitive to my medical condition, she terminated the call while I was still talking to her This complaint is based on : XXXX. Repeated and unnecessary calls after I had already confirmed receipt of the information and intent to pay. XXXX. Failure to respect my stated medical condition and recovery period. XXXX. Unprofessional, inappropriate, and disrespectful behavior by the agent. These actions caused unnecessary stress and distress during my recovery from XXXX. I am requesting that this matter be reviewed, that appropriate action be taken regarding the agents conduct, and that communication practices be adjusted to prevent repeated and excessive calls after a consumer has already acknowledged and responded. Additional information provided by consumer : XXXX Please send this to : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am filing a complaint regarding unauthorized credit card transactions that Bank of America denied after investigation ( Claim # XXXX ). The disputed transactions occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, in XXXX, XXXX, and XXXX, Arkansas. These locations are approximately XXXX miles from my home in XXXX XXXX, Arkansas. These were in-person transactions. At the same time these transactions occurred, I was physically present in XXXX XXXX. This is supported by : My legitimate credit card transactions in XXXX XXXX on the same dates My work timecard confirming my presence locally Because these transactions were conducted in person and occurred far from my location, it is physically impossible for me to have authorized them. I reported the fraud promptly. The bank initially issued a temporary credit, then reversed it after denying the claim. I contacted the bank again and requested a re-investigation, but the claim was denied a second time. The bank stated that the chip was read and/or PIN entered. However, this does not prove authorization, as card cloning, skimming, or PIN compromise can result in fraudulent in-person transactions. The banks investigation failed to consider the clear geographic conflict and supporting evidence. I request that Bank of America : 1 ) Reopen and properly investigate this claim 2 ) Reverse the unauthorized charges 3 ) Provide documentation used in their decision Under the Fair Credit Billing Act, I am not liable for unauthorized charges, and I request a fair and reasonable investigation based on all available evidence.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Ive disputed this months ago and got denied i tried to contact crown coins and never got reimbursed i purchased coins and they charged me for XXXX $ i disputed that i never Received what i purchased they decided to accept a couple XXXX dollar charges but cant do the right thing and refund me for the whole XXXX XXXX im still out XXXX $ wells fargo Is refusing to understand i never received what I purchased on top of that issue crown coins continued to charge my account and now im struggling getting another dispute filed i am more then frustrated with wells fargo and just what my money back for the items i never received

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 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo sent me a letter on the first week of XXXX saying that theyre closing my account due to fraud I have proof that I did not do fraud and not the person who sent me money willingly sent it but the bank didnt care about that they still were closing my account. My account was scheduled to be closed on the XXXX. They kept pushing the date further and further every time I spoke to someone on the phone they were so rude to me and no one gives me the answers XXXX looking for they keep giving me a runaround every single day I call and I get a different answer. XXXX tell me XXXX day to call back later call back tomorrow and then I wait and do so and I call back and its the same thing all over again. Just call back the next day so I dont understand how many days XXXX gon na have to call back until I get my money. The account has been closed out. I spoke to the XXXX office today at exactly XXXXXXXX XXXX the call was recorded. spoke to someone by the name of XXXX who is extremely rude and unprofessional. I asked him to escalate the call. He said that hes the top person and cant escalate the colon any further and then I asked him if he could help me with my situation he said he has no idea about anything thats going on and that he can not help me and then he laughed in my face when I asked to be put on the phone with someone who knows what theyre talking about and then he proceeded to talk over me and then hang up the phone. I dont know what XXXX supposed to do here. I want my money back. I even said to him on the phone I feel like they are playing around with me and that theyre doing this to me on purpose and he went silent for about XXXX to XXXX seconds and didnt really know what to say so I feel like they are doing it on purpose so I want someone to do something about this please. thank you

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 2026-04-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: CO

Complaint narrative:
We been trying to make arrangements since XX/XX/XXXX with Vanderbilt Mortgage to pay off an existing loan and receive title to complete the sale. Issue : the original mortgage company ( XXXX ) did not transfer the title from the seller when the property was purchased in XXXX. Nor did they secure their lien on the property. In the meantime, the loan was sold to Vanderbilt. Appears Vanderbilt did not audit their incoming files to make sure they were complete or correct. The property is under contract for sale and Vanderbilt has not returned calls or emails to the title company so we can complete the sale, payoff Vanderbilt and get a title. the property was purchased by my sister, XXXX XXXX XXXX have copies of the original mortgage and will listing me as beneficiary. I have attached the original morgtage documents, email from the title company and a copy of the will.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
On or around XX/XX/year>, my checking account at Trustmark Bank began reflecting an incorrect negative balance of approximately {$1200.00} despite receiving a direct deposit of {$1900.00} on XX/XX/year>. Upon reviewing my transactions, I identified multiple duplicate debits, including XXXX XXXX transactions and other payments, which caused my balance to be significantly lower than it should be. I conducted my own reconciliation and confirmed that my total legitimate spending from XX/XX/XXXX to present is {$1500.00}, which should leave my account balance at approximately {$370.00}. However, my account is currently showing only {$66.00}, leaving an unexplained discrepancy of approximately {$300.00}. I contacted Trustmark Bank multiple times and received conflicting and inaccurate information. I was told by a phone representative that my account was correct and that I had approximately {$2500.00} in pending charges, which was not true. I was later told that my account was the first one they had seen that did not balance itself after a system update, and that the issue would be sent to another team with no timeline for resolution. Additionally, duplicate debits have already posted to my account while the corresponding reversal credits remain pending, resulting in an artificially reduced available balance. This is my only bank account, and I have been without access to my funds for several days as a result of this issue. Due to the lack of resolution, I was forced to open a new bank account and redirect my direct deposit in order to access my income. This situation has caused significant financial hardship and distress.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I made a monthly car payment in the amount of {$530.00}, which was intended to be applied toward my regular car loan payment. However, I later discovered that the company applied this payment to miscellaneous charges instead of my scheduled monthly payment. It was informed to me that the charges would refelct for XXXX and XXXX. I was not clearly informed that my payment could be applied in this manner, nor did I authorize the payment to be used for anything other than my monthly obligation. As a result, my account now reflects that my regular payment was not made as expected. After noticing the issue, I contacted the company to request an explanation and a breakdown of how my payment was applied. The response I received did not clearly justify why my payment was redirected or point to any agreement terms that allow this.\ I request that the payment be correctly applied to my monthly loan balance and that any associated fees, penalties, or negative impacts on my account be fully reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Called on XX/XX/year> to request a refund of late fee that was waived by a Wells Fargo employee. XXXXmployee said that the late fee was waived and I would not be responsible for it, the statement balance included the balance before the late fee was removed and another late fee was tacked on top of my account balance, employees I called claimed that there was no option to remove another late fee as the first removal was a one-time courtesy. I fully paid my balance, my refunded late fee did not show up in my statement balance.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am filing a complaint regarding Bank of Americas inaccurate reporting of a XXXX late payment on my credit card account. I have always maintained an excellent payment history and have never missed a payment prior to this incident. Bank of America switched my account to paperless statements without my authorization. After this change, I stopped receiving email notifications and was unable to view my statements online. Because I had no access to my billing information, I was unaware that a minimum past due amount of {$26.00} was due. As a result of not receiving statements or notifications, the account became 30 days past due. Bank of America then added late fees, increasing that minimum to {$210.00} These fees were charged even though I did not receive the required disclosures or have access to my statements. This delinquency was caused by Bank of Americas failure to provide proper billing statements and system access, not by negligence on my part. Under the Fair Credit Reporting Act, information furnished to credit bureaus must be accurate, complete, and verifiable. Because I did not receive statements or have the ability to view them, the reported late payment is inaccurate and unfair. I am requesting that Bank of America correct this error and remove the XXXX late payment from all credit bureaus. I am also requesting removal of the associated late fees, as they were incurred due to the banks servicing failures. I am attaching any available documentation showing the lack of statements and my attempts to access my account. Thank you for your attention to this matter. -- -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding serious issues with the handling of my husband 's auto loan account, including payment mismanagement, threat of repossession, and failure to return funds. On XX/XX/XXXX, I was granted possession of my vehicle through a TPO. Following this, my daughter, XXXX, made payments on my behalf to ensure the account remained in good standing. XXXX payments of {$510.00} each were sentone in XXXX and XXXX in XXXX. The handling of these payments has been inconsistent and has directly led to financial harm and risk of repossession : The XXXX payment was not accepted and was returned. The XXXX payment was accepted and cashed, as confirmed by records. After cashing the XXXX payment, the company attempted to return the funds to XXXX. XXXX rejected the returned check, and as a result, the {$510.00} has not been returned to me. I am now missing {$510.00} that was taken from my daughter 's account and never properly refunded. In addition, when I initially contacted the company in XXXX, I attempted to resolve the situation and provide documentation of the XXXX. At that time, the company refused to communicate with me or review my documentation. Despite making payments in good faith and attempting to resolve the issue early, I have been : Threatened with repossession Denied access to my daughter 's funds after they sent it back to her bank. Her bank wouldn't accept it. Given inconsistent and unhelpful information about my account Only after a complaint was filed did the company begin communicating with me. This situation is unacceptable. I made every effort to comply and prevent escalation, but due to the companys actions, I am now facing repossession and financial loss. Desired Resolution : Immediate halt to any repossession activity, as payments were made in good faith and errors were caused by the companys payment handling. Immediate return of the {$510.00} that was cashed but never properly refunded. A full and accurate accounting of my loan, including how payments were applied. Written confirmation that my account will be reviewed in light of the TPO dated XX/XX/XXXX and the payments made. I am requesting prompt resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I requested a formal validation of the debt and a corrected ledger audit. Specifically, I disputed the {$4700.00} Early Termination Fee and legal fees that were accrued while I was under involuntary medical and legal incapacity ( Baker Act/Incarceration ). I also requested written confirmation that a settlement would result in a 'Satisfied ' judgment and a joint motion to vacate. Ideal Collection Services is attempting to collect a debt of approximately {$5000.00} originating from a rental dispute ( XXXX XXXX XXXX XXXX ). I am formally disputing the validity and amount of this debt under the FDCPA. The underlying judgment was entered during a period where I was under involuntary medical and legal incapacity ( Baker Act hospitalization followed by incarceration ). During this timeframe, I was physically and legally unable to respond to court summons or mitigate damages. The collection agency is asserting a 'legal right ' to a balance that is factually incorrect. The ledger includes an 'Early Termination Fee ' of {$4700.00} and significant legal fees that were accrued while I was incapacitated and denied due process. Despite my attempts to resolve this via email, the company has failed to provide a corrected ledger or acknowledge that these charges are legally questionable given the circumstances of my involuntary absence from the property. They are using an inflated balance to pressure a settlement while I am in a vulnerable position regarding my housing record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America denied my claim of fraudulent charges/cash advances saying it must have been me or someone I know. It wasnt me and even if it was someone I know, I dont know who did this!!! It seems like very lazy investigative work. They claim to have zero fraud liability which turns out they dont.

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