vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Issue : Wrongful Repossession and Willful Violation of Automatic Stay Company : Wells Fargo Bank , N.A . Relevant Case Number : XXXX ( Filed XX/XX/XXXX ) Description : On XX/XX/XXXX, Wells Fargo wrongfully repossessed my vehicle despite my being under the protection of an active XXXX XXXX XXXX filing ( Case No. XXXX ). Wells Fargo was served with the Electronic Bankruptcy Noticing ( EBN ) on XX/XX/XXXX, providing the bank with formal, electronic notice of the active stay XXXX days prior to the repossession. This constitutes a willful violation of the automatic stay. On XX/XX/XXXX, the repossession agent ( acting on behalf of Wells Fargo ) acknowledged via text message that they were aware of the bankruptcy filing. Subsequently, on XX/XX/XXXX, Wells Fargo issued a formal written admission of " error, '' confirming the repossession was illegal and should not have occurred. The bank 's failure to act on the EBN notice resulted in significant damages, including : Physical Property Damage : The repossession agent caused visible damage to my driveway ( drag marks ) and exterior damage to the vehicle during the illegal seizure. Loss of Property : Non-fungible personal items, professional equipment, and family necessities were improperly seized and/or damaged. Severe Hardship : As a sole provider for XXXX children, the sudden and illegal loss of my primary transportation caused extreme emotional distress and household instability. I am aware that Wells Fargo has a documented history of systemic failures regarding wrongful repossessions, as specifically addressed in the XXXX CFPB Consent Order. This incident appears to be a direct continuation of the negligent practices for which the bank has already been penalized. Desired Resolution : I am seeking full compensation for the physical damage to my property and vehicle, as well as damages for the mental anguish and hardship caused by this willful violation. Given the banks written admission of fault and the documented EBN notification, I am requesting an XXXX review of this claim for a fair and final settlement.

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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I canceled my Capital One credit card and was issued a {$200.00} refund check on XX/XX/year>. As of XX/XX/year>, I have not received it. I have contacted customer service and have not received a resolution. I am requesting that the check be reissued or the refund be provided immediately. I was initially told my refund was issued XX/XX/XXXX, but later told it was only issued on XX/XX/XXXX. I have received inconsistent information and still do not have my {$200.00} refund.

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 making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Against BMO XXXX Bank of Montreal ) Failure to Honor Promotional Bonus I am submitting this complaint regarding BMOs refusal to honor a {$400.00} new checking account bonus that I believe I qualified for under the terms of the promotion. I opened my BMO checking account on XXXX XXXX, 2025, specifically to participate in this promotional offer. Beginning XXXX XXXX, 2026, I arranged for my regular income from XXXX, my primary source of income as a self-employed seller, to be directly deposited into my BMO account using my account and routing number. Between XX/XX/XXXX and XX/XX/XXXX, I received multiple consistent electronic deposits. These deposits were legitimate income, not transfers between my own accounts, and were made within the required timeframe. I have documentation showing the dates, amounts, and source of these deposits. After completing the requirements, I contacted BMO and was informed via chat that my deposits did not qualify because they were not considered qualifying direct deposits, which were described as coming from an employer or similar third party. I then contacted BMO by phone to request further review. During that call, I was given a different reason for denialspecifically that I did not meet the required deposit amount. Additionally, the call quality was extremely poor, with significant background noise and communication difficulty, making it challenging to clearly understand the representative. These conflicting explanations are concerning and suggest that the promotional terms are being applied inconsistently or that undisclosed internal criteria are being used to determine eligibility. The promotional terms as presented to me did not clearly exclude self-employment or platform-based income such as XXXX payouts. XXXX is a third-party platform distributing earned income, and I reasonably relied on the plain meaning of the promotion when completing the required actions. I made a good-faith effort to meet all conditions of the offer and to resolve this issue directly with BMO, but I have not received a clear or consistent explanation. I am requesting : A formal review of my eligibility for the promotion Payment of the {$400.00} bonus A clear explanation, referencing the original promotional terms, of why my deposits are being excluded Clarification regarding the inconsistent reasons provided by BMO representatives Thank you for your time and 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 explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
This company says I owe a company called XXXX XXXX {$810.00} from XX/XX/year>. I did no business with this company last year. If do they need to provide the contract or paperwork along with payment history to show proof of this debt. None of this has been supplied.

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: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas refusal to reverse an interest charge that resulted from repeated failures in setting up automatic payments on my account. For approximately XXXX months, I have made multiple attempts to enroll in eBills and AutoPay through Bank of Americas platform. Each attempt was unsuccessful due to system or process issues, despite my continued efforts to ensure my account was properly configured to make timely payments. As a result of these failures, I was charged {$210.00} in interest on XX/XX/year>. I requested a refund of this charge, explaining that I had been actively trying to set up automatic payments specifically to avoid this outcome. Bank of America declined my request and stated their decision was final. This situation is unacceptable. I made good-faith efforts over an extended period to comply with payment requirements and utilize the banks tools to ensure timely payment. However, due to failures in the banks systems or support processes, I was unable to do so and was financially penalized. Consumers should not be charged fees or interest when they are actively attempting to set up safeguards like AutoPay, especially when those safeguards fail due to the institutions systems or lack of support. Desired Resolution : Reversal of the {$210.00} interest charge Assistance from Bank of America to successfully set up eBills and AutoPay Confirmation that steps have been taken to prevent similar issues in the future I request that Bank of America review this matter again in good faith and provide a fair 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 monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: NC

Complaint narrative:
They promised to increase my credit score by self-financing a loan that I could start or stop when even I liked. I paid monthly for a loan that I never received in other words. However, when I wanted to stop the loan, I was sent numerous late notices, and they reported negative payments to my credit bringing down my score instead of it increasing my score.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I made an overpayment to my Capital One Quicksilver CC in the amount of {$5800.00}. I realized it immediately and called them the same day. They told me the only thing they could do is send a refund check which I would get in a week. I have called repeatedly and have been told ( XXXX ) the check was returned because of the wrong address ( XXXX ) the mail is sometimes slow ( XXXX ) and as of last night ( XX/XX/XXXX ) its going to be another week because I can see a check has never been issued. I asked to speak to a supervisor and asked the check be overnighted to me and was told that is something that can not be done. I am requesting immediate issuance of the refund by expedited check or electronic transfer. I also ask that your organization investigate this company. I am appalled by the incredible lack of service and the unscrupulous manner this has been managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED 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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank has repeatedly restricted, unrestricted, then re-restricted my checking account and is currently holding approximately {$10000.00} of my funds. My account was suddenly frozen without prior notice, and I am unable to access, withdraw, or transfer my money. I have contacted Ally Bank multiple times regarding this issue, but I have not been given a clear explanation for the restriction or a definitive timeline for when my funds will be released. This lack of transparency and access to my own funds has caused significant financial disruption - including my mortgage payments. At this time, my funds remain inaccessible, and Ally Bank has not provided a reasonable resolution or timeframe. This is not the first time this has occurred, and I no longer have confidence in Ally Banks ability to safely manage my 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 non-monetary relief
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 — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My Name is XXXX XXXX. I HAD A CAR ACCIDENT, I HAD MY ENSURANCE FULL COVERAGE, MY ACCIDENT WAS 100 % TOTAL LOSS. I was paying my car normal to SAntander Bank until the accident. the ensurance and the bank deal. now I still having a record on my name. I have the total loss letter or anydocumentdo you require me. I need they take me out from the system.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Improper handling of dispute for {$150.00} in seat selection fees for involuntarily cancelled flights Timeline of Events : XX/XX/XXXX : I purchased flights through Capital One Travel with XXXX XXXX, total {$1100.00} including {$290.00} in seat selection fees across four flights. XX/XX/XXXX : XXXX XXXX involuntarily cancelled my return flights ( XXXX to XXXX XXXX and XXXX XXXX to XXXX XXXX ). I was rebooked on an alternative airplane ( which was eventually cancelled ) and never used the cancelled seats. XX/XX/XXXX : Capital One Travel refunded {$440.00} covering base fare ( {$280.00} ) and partial taxes ( {$150.00} ) only. Zero seat fees were refunded. XX/XX/XXXX : I filed a dispute with Capital One for {$150.00} - the seat fees for the two cancelled return flights only. XX/XX/XXXX : Capital One denied my dispute multiple times despite clear documentation showing the {$440.00} refund and {$150.00} disputed amount cover entirely separate charges with zero overlap. Amount Disputed : {$150.00} Reason for Denial Given by Capital One : None provided clearly Evidence Submitted : Itemized receipt showing {$290.00} total seat fees Proof of involuntary cancellation Capital One Travel 's own cancellation policy confirming seat refunds Mathematical breakdown proving no double claiming Credit Card Statements Summary : Capital One has failed to properly review the evidence submitted and has repeatedly denied a legitimate claim without adequate explanation. This is not the first time that a dispute has not been resolved in my favor even in the presence of ample evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recieved a check from my 401 K account I requested $ from. I deposited in my checking account. It said available Tues. XX/XX/year>. The check is coming from XXXX XXXX. US bank sent me an email saying they were holding my check with my $ for 10 days. There is no reason for this. I took the $ from my 401 k to pay bills due. I cant do anything with my own money because they will not release the funds into my account for 10 days. All it takes is one phone call to see if check is clear. Its from XXXX XXXX XXXX. It has really messed me up financially having to wait so long for my own XXXX Please help.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: UT

Complaint narrative:
I am submitting this complaint as a follow-up because the company failed to properly validate an alleged debt that I have identified as the result of identity theft. I previously disputed this account and provided an FTC Identity Theft Report. In response, the company did not provide any documentation showing that I opened or authorized the account. Instead, they stated they purchased the account from a third party and offered a settlement in exchange for deletion. This response does not constitute validation of the debt. The company has not provided any original service agreement, application records, or identity verification documentation linking me to this account. A balance amount and settlement offer do not establish that I incurred or authorized this debt. Despite failing to validate the debt, the company continues to attempt to collect and report this account, which is inaccurate and the result of identity theft. I am disputing the companys continued collection activity and reporting of this account without providing substantiated proof of contractual obligation or authorization.

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
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Company : XXXX ( PayPal, Inc. ) Issue : Incorrect balance / debt collection for funds not received Complaint : I am filing a complaint regarding an incorrect {$5000.00} balance being claimed by XXXX. On XX/XX/year>, I mistakenly initiated a {$5000.00} Add Money transfer from my bank account to my XXXX account. I contacted my bank the next business day on XX/XX/XXXX to stop the transfer, however it was already in pending status, and eventually the {$5000.00} was deducted from my bank account at the end of business day of XX/XX/year>. In order to protect myself from over-draft, I disputed this transaction and subsequently the bank processed this as an ACH return ( classified as an unauthorized transaction ), and the {$5000.00} was credited back to my account on XX/XX/year>. Critical facts : - The {$5000.00} never appeared in my XXXX balance at any time- I never used, transferred, or withdrew any funds - My bank records show only one {$5000.00} transaction ( the reversal ) and no additional deposits ( attachment included ) - XXXX has provided no evidence that any funds were successfully delivered to me Clarification regarding the bank dispute : While my bank processed the transaction as an unauthorized ACH return, no funds were ever credited to my XXXX account, and I received no benefit from this transaction. The transaction was effectively returned without any completed transfer of funds to my XXXX account. Additional context : During a phone call with a XXXX dispute agent, I was informed that XXXX believes two separate {$5000.00} transfers were sent to my bank. However, my bank records clearly confirm that only one {$5000.00} credit was ever received ( I've included bank statement as proof ). No proof or trace information for a second transfer has been provided. Since XX/XX/year>, I have proactively contacted XXXX at least six times via chat, phone, and email in an effort to resolve this issue in good faith. Despite these efforts : My case was incorrectly categorized as a billing dispute and denied without addressing the underlying issue. I have received repeated requests for repayment without any proof that funds were delivered and My account remains frozen. Nature of the issue : This appears to be an ACH reconciliation or internal ledger error. XXXX is treating a returned/failed transfer as a completed transaction and attempting to collect funds without demonstrating that I ever received them. I am willing to further cooperate to provide additional banking information if needed. Attachments included are : XXXX. My multiple formal dispute request for investigation. XXXX. Multiple email requests from XXXX seeking non-founded repayment XXXX. Redacted bank statement showing reversal and no additional deposits XXXX. Bank dispute confirmation letter

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 using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Complaint against Chime Failure to Properly Investigate Unauthorized Transactions ( EFTA / Regulation E ) I am filing this complaint regarding Chimes handling of unauthorized transactions and their repeated denial of my dispute despite clear and contradictory evidence. On XX/XX/year>, at approximately XXXX XXXX, I received a fraud alert from Chime asking if I attempted a transaction for {$58.00}. I responded NO, indicating that the transaction was unauthorized. Chime then responded stating that the transaction was blocked and that no funds had been taken from my account. Despite this, XXXX transactions were processed and posted to my account : * {$58.00} at XXXX XXXX. * {$41.00} at XXXX XXXX. At no point did Chime explain how a transaction could be marked as blocked while still resulting in funds being withdrawn. These transactions total approximately {$100.00} and were not authorized by me. This creates a clear contradiction : * I denied the transaction in real time * Chime confirmed the transaction was blocked * Funds were still removed from my account Additionally, I provided evidence showing I was physically located in Ohio on the same day. Specifically, I completed a {$400.00} cash deposit at a XXXX location in XXXX, Ohio later that day, which confirms my physical presence in Ohio and not California, where these transactions are associated. I have disputed these transactions multiple times, and Chime has denied my claim on XXXX separate occasions. However, their responses have failed to adequately address : * The fact that I denied the transaction in real time * The contradiction between their fraud alert response and the actual posted charges * The location-based evidence placing me in Ohio Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation into unauthorized transactions. Based on the repeated denials without addressing the evidence provided, I believe Chime has failed to meet this obligation. I am requesting : 1. A full reimbursement of the unauthorized transactions totaling approximately {$100.00} 2. A detailed explanation of how these transactions were approved after being denied in real time 3. Documentation of the investigation conducted, including what evidence was used to deny my claim If this matter is not resolved, I am prepared to pursue further action, including arbitration if necessary. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation