vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Requested to close my account, was redirected to a phone number and was placed on hold for extended periods of time. Blatantly banking on you hanging up to avoid closing your account.

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 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
sheriff sale for wells fargo bank on my home on XX/XX/year>. 

there attorneys wont contact me back wells fargo bank na is the XXXX who has set up this sale & they sttae they sold my loan to mr.copper who is now rocket morgage wells fargo bank na is permenetly closed

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> i recieved a phone call, text messsage, and also an email stating that my Chase banking account was at risk and there was an unauthorized transaction of {$9900.00}. 
I recieved a phone call with a caller id of Chase Bank, the caller had my name, phone number, bank account number, and my email adress associated with my account. They stated there was fraudelent activity on my account and that i needed to have my available funds added to a newly opened Chase Bank account that was secured for me and available for me to use. I contacted the Chase banking department immediately when i could not access my account funds of {$20000.00} explaining my situation they were unable to give me information on where my funds went and i have not been able to get acces since this occured i have not received any help with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> IC Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It XXXX Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. 
Despite my lawful demand made pursuant to XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title, including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state ; XXXX. XXXX bond information, if required by law in your jurisdiction. 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 
Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : XXXX U.S.C. XXXX False or misleading representations XXXX XXXX. XXXX Unfair practices XXXX XXXX. XXXX Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( XXXX ) calendar days, I will proceed with legal action against your agency under XXXX XXXX. XXXX and XXXX, including but not limited to statutory damages, punitive damages, legal fees, and court costs. 
This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, 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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I asked Rocket Mortgage to refinance my property, but they declined. I inherited the mortgage in XX/XX/year>. They said they'd evaluate my ability to assume the loan. The poinXXXX is I have been paying since XXXX but I am not eligible to assume the loan. I am not eligible to refinance the loan. 

My only option with Rocket Mortgage is to exhaust my savings and then forfeit the property to them for none payment..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AE

Complaint narrative:
MOHELA has failed to remove an administrative/processing forbearance despite my written request and active IDR application. 
This is preventing XXXX qualifying payments. 
I am an active-duty service member requesting supervisory review and immediate correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: OR

Complaint narrative:
I was the victim of an online scam involving merchants operating through XXXX ( XXXX XXXX and XXXX ). I received no goods or services for either transaction. I immediately notified USAA Federal Savings Bank on the same day the transactions posted and requested stop payment and dispute. 

USAA assigned Dispute ID XXXX for {$57.00} and Dispute ID XXXX for {$37.00}. USAA denied both disputes, repeatedly stating only that a reasonable investigation was performed and that no error occurred. 

I repeatedly requested copies of the documentation and records relied upon in making this determination. USAA failed to provide any documentation and instead sent the same form denial letter multiple times.

Under Regulation E ( 12 CFR 1005.11 ( d ) ( 2 ) ), when a financial institution determines no error occurred, it must, upon request, provide copies of the documents relied upon in making that determination. USAA has not done so. 

USAA has provided no merchant evidence, no proof of delivery, no transaction validation, and no explanation supporting its decision. This constitutes a failure to conduct a reasonable investigation and noncompliance with Regulation E.

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 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I request to know why my money transferred from my checking between my savings was on hold. I was told it would be 24 hours ( XXXX  ) I called everyday and was given a litany of excuses. No explanation, I was then told it would be between 5-7 business days now going on day 8.

Within in this time frame they have been releasing it in small increments ( {$10.00} ) ( {$4.00} ) ( {$110.00} ) I wake up to my account being $ -89.74 everyday I was told by a customer service rep or supervisor it will be released shortly. I was transferred over to the fraud department ( no holds no issues ) transferred to the customer services department ( no holds no issues ) Its not a lot of money being that I have other bank accounts with no issues. But this is making me second guess the integrity of Citi Bank to where I have been actively not putting money not depositing money due to their intentional negligence and litany of excuses. 

The gentleman on the phone ( XXXX XXXX ) stated they just intentionally made the account negative today ( XXXX XXXX ) which placed a hold. 


I asked for the reason he stated he could not tell me the department not give me information. Which promoted me to ask for a supervisor or someone in their executive office along with filing the proper complaint.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I disputed a {$35.00} charge in XX/XX/year> for XXXX, which is a gaming app that I would never use because I am not a gamer. I got an email that the Apple Card XXXX payment would be processed and because I closed my account I am unable to see the charges leading to the payment. I called Apple Customer Support today and requested an email of the XXXX statement. XXXX charged ANOTHER {$35.00}! After I disputed the charge with Apple Customer Service from XX/XX/year>. I closed my Apple account because of this MineDeath fraud and in NO WAY did I authorize ANOTHER CHARGE. My account has been closed and I am requesting reimbursement of the {$35.00} by Goldman Sachs mailing a check to my house, or something. THIS IS RIDICULOUS! I disputed the fraudulent charge and Apple allowed ANOTHER FRAUDULENT CHARGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TomoCredit Inc.
State: MI

Complaint narrative:
I applied for the Tomo credit card and paid a {$300.00} enrollment fee. I was later denied, and I never received a credit card or access to a usable account. The company stated that the card was paused or closed due to internal system updates. 

Because the credit card was never issued and the service was never provided, I contacted Tomo to request an explanation and a refund of the {$300.00} fee. The company responded but did not explain the denial and refused to issue a refund. 

I am requesting a full refund of the {$300.00} for a credit card service that was never issued or provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing a complaint regarding multiple collection accounts being reported by Jefferson Capital that are duplicates and inaccurate.

Jefferson Capital is reporting six separate collection accounts, but only three debts actually exist. The remaining accounts are duplicate listings with the same amounts and dates. These duplicates are causing my credit report to show six derogatory items instead of three, which is inaccurate and misleading.

On or around ( use approximate month/year ), I sent Jefferson Capital a Debt Validation ( DV ) letter for one of the accounts. They did not respond and did not mark the account as disputed, which they are required to do under the FDCPA. Because I can not determine which account they received the DV for, and because several accounts are duplicates, they are not properly validating or updating any of them.

Jefferson Capital is also reporting themselves as the original creditor, which is incorrect. This is misleading and does not match the required reporting standards.

I attempted to dispute these items through XXXX, but the system will not allow me to submit disputes because an existing dispute is still pending. Therefore, I can not correct my report through the normal dispute channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I entered into a 48 month lease on XX/XX/year> with Ally Financial for a XXXX XXXX XXXX. I'm in the process of getting approved for a mortgage to buy a home for myself, my fiancee, and my XXXX XXXX XXXX son, and the lender requires a written document stating that I've completed all payments for the account, returned the vehicle, and have a {$0.00} balance in my account with no further payments. My account is currently in a " closed '' status on their website, and all these requirements have been met. 

They're refusing to release this letter and citing the reason being having to wait for the vehicle to be sold at auction. After reading over my lease, there is NOTHING in the lease that states we must wait for the vehicle to be sold at auction for account settlement. This is hindering my ability to obtain approval for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On, I applied for financing for a preowned vehicle through the dealerships recommended lender. The total amount I requested was approximately {$15000.00}. I provided all required documentation at the time of the application, including proof of income, employment information, and identification. 

After submitting the application, I was told by the dealership that the lender had denied the loan. I was not given a clear explanation for the denial, nor was I provided with any written notice outlining the specific reasons, despite being told that I would receive one. As of today, XX/XX/year>, I still have not received an adverse action notice or any communication directly from the lender explaining the decision. 

I attempted to follow up with the dealership and the lender to understand the basis for the denial and to confirm whether my application was reviewed accurately. I was unable to obtain any meaningful information from either party. I am filing this complaint because I believe I am entitled to a clear explanation of the decision, as well as confirmation that my application was handled properly and in compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: TX

Complaint narrative:
I contacted Wells Fargo on XX/XX/year>, and requested information to prove I opened the credit card account, including phone calls and video footage.

I gave them over 90 days, but received no response. This debt is not mine and I demand its immediate removal and not sold to a debt collector.

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 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Klarna AB
State: NY

Complaint narrative:
Filed for XXXX  XXXX bankruptcy and they will not stop adding interest or stop trying to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint against Wells Fargo Bank for gross negligence, failure to safeguard my funds, and refusal to correct their own error. 

Wells Fargo mailed a check owed to me in the amount of {$13000.00} to the wrong address. As a direct result of their mistake, the check was intercepted and fraudulently cashed by an unknown individual. I never received the check, never endorsed it, and never authorized anyone to negotiate or deposit it. 

This loss is entirely the result of Wells Fargos failure to send the check to the correct address and to protect my funds. They had both a legal and ethical obligation to ensure the check reached only the rightful payee. They failed in that duty. 

I reported this immediately to Wells Fargo. Their internal case number is XXXX. Despite having full knowledge that the check was misdirected due to their error, Wells Fargo has refused to reissue my money. This decision wrongfully places the financial burden on me for a loss they caused. 

Wells Fargos conduct has caused me severe financial harm, stress, and hardship. Withholding {$13000.00} from me because of their own negligence is unacceptable and unjust. 

I am demanding that Wells Fargo : Immediately reissue the full {$13000.00} to me Complete a formal fraud investigation into the improper negotiation of this check Provide written confirmation of the resolution If Wells Fargo continues to refuse reimbursement, I am requesting CFPB intervention to compel corrective action. 

Thank you for your prompt attention to this serious problem

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 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Credit collection services has called and texted me repeatedly from XX/XX/year> until Now. Claiming I owe XXXX which I do not. They have texted me XX/XX/year> at XXXX XXXX then called same day at XXXX, XXXXXXXX XXXX  and XXXX, XX/XX/year> at XXXX then called at XXXX and XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and called at XXXX, XXXX : XXXX XXXX. It continues every week XX/XX/XXXX, XXXX XXXX and i could keep going as i have everything screenshot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I agreed to purchase a couch from a seller on XXXX XXXX, with delivery scheduled for XX/XX/year> for an additional fee. Over the course of approximately one week, the seller and I exchanged messages about the item, and nothing appeared unusual. 

On XX/XX/year>, the seller requested a {$100.00} deposit, stating that she had received multiple offers and wanted to secure the sale. I agreed and sent {$100.00} via Chime using the payment information she provided. 

Immediately after I sent the payment, the seller removed the XXXX listing and blocked me from further communication on XXXX. The couch was never delivered, and I have had no ability to contact the seller since. 

I reported the transaction to Chime as fraudulent and filed a dispute, providing screenshots of the listing, our messages, proof of payment, and evidence that I was blocked. On XX/XX/XXXX, Chime denied my claim, despite clear evidence that the seller engaged in fraud by deception and never intended to deliver the item. 

I am requesting that Chime reconsider this decision and reimburse the {$100.00}, as the payment was induced by misrepresentation and fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have deposited in my account a check for {$3000.00}, and chase took out that money from the sender, but they never gave me the money, they closed my account and didn't gave me that money. i attached here a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Disputed charges in a formal letter. No reply, still reporting to all credit bureaus.

Company response to consumer: Closed with explanation