vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding an unexpected monthly service fee charged to my checking account by Wells Fargo.My case number is XXXX and another different department case number is XXXX On XX/XX/XXXX, a monthly service fee of {$15.00} was deducted from my account. When I originally opened the account, I was informed that the monthly service fee would be waived if my account maintained a minimum balance of {$500.00}, which I have been following in good faith. However, I was recently charged this fee without receiving any clear or proactive notification via email, mail, or phone regarding any changes to the accounts fee waiver requirements. After noticing the charge, I contacted Wells Fargo representatives on XX/XX/XXXX and XX/XX/XXXX to dispute the fee and request a refund. Both times, I was informed that the fee could not be reversed and that I would need to wait 12 months, without a reasonable explanation or consideration of my account history or prior understanding of the account terms. While the bank stated that the fee information is available in monthly statements, I was not clearly notified of any change in the fee waiver policy, and I was relying on the original account requirements when managing my balance. I believe this fee was unfairly applied due to a lack of clear communication regarding changes to account terms and inconsistent application of the fee waiver policy. I have already attempted to resolve this with the bank twice without success.I am requesting a refund of the XXXX XXXX monthly service fee as a corrective adjustment and a review of the accounts fee waiver handling to ensure proper disclosure and fair application of account terms going forward.

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 2026-05-06 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX withdrew from wells .I am submitting a complaint regarding my banks handling of a dispute involving payments made to XXXX for a franchise/business opportunity. I disputed the transaction after discovering misrepresentations and failure to provide promised services/support connected to the purchase. I provided documentation to the bank showing that the services and business opportunities represented were not delivered as expected and that I suffered substantial losses. My bank denied my dispute solely on timing grounds without fully reviewing evidence of misrepresentation, ongoing harm, and later-discovered material facts.

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 2026-05-06 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: SC

Complaint narrative:
I discovered unauthorized transactions on my checking account and reported them to Wells Fargo as soon as I became aware of them. I filed fraud claims with the bank, which were assigned Claim # XXXX and Claim # XXXX. After reporting the transactions and requesting reimbursement, Wells Fargo completed an investigation and denied the claims. I did not authorize these transactions and believe the denial was incorrect. I requested additional information about how the bank determined that the transactions were authorized and asked that the claims be reinvestigated. As of now, the issue remains unresolved and the unauthorized transactions have not been reimbursed. I believe my account should be credited for these fraudulent transactions and that the bank should provide a clear explanation of the investigation and decision.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint regarding check fraud that Bank of America has refused to properly resolve. In XX/XX/XXXX, I issued a single legitimate check to an employee for the amount of {$750.00} check number XXXX. Approximately one year later, I discovered that this check had been fraudulently duplicated and/or altered and was negotiated multiple times without my authorization. A total of three transactions were processed against my account stemming from this one check using the following check numbers : Check number : XXXX. XXXX {$750.00}. Date : XX/XX/XXXX Check number : XXXX. XXXX {$750.00}. Date : XX/XX/XXXX Check number : ( no number ). XXXX {$750.00}. Date : XX/XX/XXXX The XXXX checks look exactly the same as the one I legitimate issued. I did not authorize these additional transactions under any circumstances. This is a clear case of check fraud involving duplicate and/or altered instruments. When I brought this to Bank of Americas attention, they denied my claim based solely on the amount of time that had passed. However, this is not a standard late-reported transaction. This matter involves fraud and improper payment of unauthorized items. Under applicable banking rules, including Uniform Commercial Code ( UCC ) provisions, a bank should not charge a customers account for altered, forged, or duplicate checks. Despite this, Bank of America has failed to : Reimburse the unauthorized transactions Provide a satisfactory explanation of how the same check was processed multiple times Demonstrate that proper fraud prevention procedures were followed I am requesting that Bank of America : Reimburse all unauthorized transactions related to this fraudulent activity totaling : {$2200.00} Provide copies of the front and back of all negotiated checks, including endorsements Conduct and share the results of a proper investigation into how these items were processed This situation represents both financial harm and a failure to protect my account from fraudulent activity. I am requesting the CFPBs assistance in ensuring this matter is properly investigated and resolved.

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 2026-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Earnest Inc.
State: FL

Complaint narrative:
I received a letter in the mail dated XX/XX/XXXX from Earnest Loans introducing me to my new loan for {$100000.00}. When I went on my XXXX XXXX account, I saw that XXXX of my student loans were paid in full by Earnest. I can not explain why or how this has happened. I never applied for loan with Earnest or anyone else as I am a XXXX XXXX XXXX XXXX XXXX in XXXX XXXX I have several student loans with XXXX being served by XXXX. Apparently a loan application was completed using my social security number, name and address though another company called XXXX. They told me the information on the loan application, such as drivers license #, phone number, email address and employment information and income that were all fraudulent. I am unemployed and have been a student at XXXX since XXXX of XXXX. I never refinanced my student loans. I filed a police report with my local authority for identity theft, I filed a report with the FTC, I filed a complaint with Studentaid.gov, I filed a complaint with Earnest Loans and I filed a complaint with XXXX. I also filed complaints with all XXXX credit bureaus which approved my complaint and removed the loan from the reports. However, Earnest loan denied my complain of identity theft and XXXX XXXX XXXX XXXX claims there is nothing they can do as the loans were paid off. I have no documents related to this loan, I can not log into the online portal as it was originally set up through a fraudulent email address. I did not consent to this loan and do not want it with this company who I believe to be shady. I now no longer have my benefits of a government student loan with the protections it offers. Earnest has been very difficult to deal with. I am a victim of identity theft and did not apply for this refinance in the middle of my studies as a grad student.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I owed the military star card XXXX dollars and after several attempts with this company to arrange a reasonable payment plan, the company put me in collections with XXXX systems. XXXX systems began garnishing my wages without a court hearing or notification. After garnishing my wages and refusong to explain or give me access to any information of fees and penalties I am being charged. After garnishing my wages for a year and me paying over XXXX dollars they stop garnishing my wages. I contacted my HR department and they said I must have paid them off because they ended the garnishment. XXXX XXXX now say I owe them over XXXX dollars. I feel that there will never be any end to this financial assault.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I spent several hours editing my traveler infor, to include XXXXXXXX XXXX XXXX XXXX and known traveler numbers. After adding this info, I went back into the app and booked a round trip flight, hotel and rental car. After booking I noticed the flights did not successfuly appear within the XXXX XXXX. I called Capital One XXXX in an attempt to resolve this isse, The representitive said the information was successfuly added after I submitted the info once again ( fron my XXXX ), but the rep stated I would not get the points on this booking but would on future. I informed him this was not acceptable. He refused to confirm if the information was attached. I asked to speak with a manager and he refused. This is related ot my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
We have experienced ongoing and significant issues with BSI Financial throughout this short sale process. The short sale process began with BSI Financial on XX/XX/year>. The file was deemed complete on XX/XX/year>, and since that time, we have been waiting for BSI to order the required appraisal for this XXXX short sale. We were originally advised that we would be contacted regarding the appraisal within XXXX business days. However, weeks have now passed with no appraisal ordered and no meaningful updates despite multiple follow-up calls and escalations. There was already a foreclosure sale date scheduled during the review process. BSI did postpone that sale date, but we have been advised that another foreclosure date may be scheduled if the file does not continue moving forward. The delays and lack of action by BSI are placing the borrower at continued risk of foreclosure. We have also repeatedly received inaccurate and conflicting information from BSI representatives. For example, on XX/XX/year>, XXXX representative advised us that another foreclosure sale date had already been scheduled. We later confirmed with another representative that this information was incorrect. Nearly every representative we speak with provides different information regarding the file status, timelines, and next steps. Additionally, there is a second mortgage associated with this property that BSI representatives appear to have little to no knowledge of. The second mortgage was originally with XXXX XXXX We were then advised it had been transferred to XXXX XXXX XXXX XXXX. However, when we contacted XXXX XXXX XXXX XXXX, it's the same number as BSI. Despite this, BSI representatives have been unable to locate or provide accurate information regarding the second mortgage account. Overall, the servicing and handling of this file has been extremely disorganized. Communication has been inconsistent, inaccurate, and delayed throughout the process. We are also currently experiencing similar issues and delays on another short sale file involving BSI Financial, which suggests this may be a broader servicing and operational issue rather than an isolated incident. The assigned representative with the file has never responded to anything we've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
CITIbank / AAdvantage business world elite Mastercard account ending in XXXX. This account was closed with a {$100.00} credit needing to be refunded to us. On XX/XX/year> a check was issued to us in the company name. Since all business accounts have been closed, there was no way to cash the check. The company said it would not re-issue the check in an individuals name, but rather have to be in the company name. Since the bank would not deposit this check, the next route was to attempt to try to direct deposit it into my checking account. XXXX been talking to them for XXXX weeks, twice a week, waiting on hold for XXXX to XXXX minutes, and trying to get our money back. They keep going around the bush by saying they would re-issue the check which they did, but once again in the company name making it useless. On one occasion in trying to get the money directly deposited into my checking account nothing happened and when we called back, they issued another check to the wrong name and told me they were going to cancel it so it would go into my account. Then I find out that there is a problem with the routing number and so instead of letting me know the number was off they just issued another check. I was told this check was canceled and they could now retake my routing and checking account number and direct deposit it. When I called today, I was told the check was never canceled and the funds wont be available until that cancellation goes through and the money is available to direct deposit. They wont even take the responsibility to still get it into my checking account but saying we have to wait another XXXX days to make sure that the check is canceled, which shouldve been done XXXX times already, and then they want me to wait another XXXX to XXXX days to get the money into my account. This is getting ridiculous and a very painful experience.

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 2026-05-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In reviewing my credit card statement, i noticed a charge for {$280.00} on XX/XX/year>. I did not recognize this charge, so i called Chase and spoke with the XXXX department. They said the charge was done in-person around XXXX that evening using XXXX XXXX. I confirmed that I was at home with my newborn child that evening and was a ) not able to make a charge in person and b ) had no idea who the vendor was ( XXXX XXXX XXXX XXXX ). I further researched the vendor and there is absolutely not online presence. Chase reversed the charge and later called me to tell me they were upholding the charge because it was done using XXXX XXXX and that XXXX XXXX is secure. I was adamant that I did not make this charge and they said it is not their responsibility to confirm the vendor ( even though there is XXXX online presence ). I proceeded to call XXXX who confirmed it is very possible for fraud to occur using XXXX XXXX and that Chase should not be able to rely on that as their only basis for not reimbursing me. They said there are multiple ways fraud can happen through XXXX pay and they've been seeing more and more of it. I then was told via Chase that the original payment was made via XXXX XXXX to a XXXX payment processing. I then called XXXX and opened up a complaint to report the XXXX XXXX XXXX with them. They can not find any details related to this vendor ( the report is still pending/ in review with them as they escalate this ). They also said you do not need to be in person to make a payment to XXXX. I have relayed all of this information to Chase, who i have been a loyal customer for almost XXXX years, have multiple cards with them, have my home mortgage with them, and spend a very large amount via my credit cards annually. I would have expected them to take my case into more consideration, but XXXX consistently gotten push back that they are upholding their decision because " XXXX XXXX is secure and i still have my phone in my possession '' which XXXX and XXXX have both confirmed as not being the case. It is also important to note that i was subject to identity theft shortly after this charge. i filed my complaint with all credit bureaus, the FTC and filed a police report. I provided the police report that indicated i was a victim of identity theft/ fraud to Chase , and they still have not reversed the fraud charge under the claim that " XXXX XXXX is secure and i still have my phone ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased a couch through XXXXXXXX XXXX XXXX XXXXXXXX. Within less than XXXX months of normal use, the couch began sagging significantly and making loud squeaking noises. The product became defective very quickly despite normal use. I contacted the merchant and requested assistance and a refund, but they refused to help because their 30-day return policy had expired. I then opened a dispute with XXXX, but XXXX denied my claim. After that, I contacted Wells Fargo and filed a dispute regarding defective merchandise. However, Wells Fargo denied my claim and treated the transaction as authorized instead of properly addressing the defective merchandise issue. This is not a fraud claim. I did authorize the purchase, but the product was defective and not as described. I made multiple attempts to resolve this issue with the merchant, XXXX, and the bank, but I was unable to receive assistance or a fair resolution. I am requesting that this matter be reviewed fairly as a defective merchandise dispute.

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 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: IL

Complaint narrative:
XXXX am filing on behalf of XXXX XXXX XXXX (authorized representative: XXXX XXXXProfessional Credit Service (PCS) is attempting to collect XXXX for services at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. XXXX was fully insured under a XXXX XXXX XXXX. XXXX issued an Explanation of Benefits (Claim No. XXXX) confirming XXXX patient responsibility the full XXXX was absorbed by the network discount. The patient owes nothingXXXXhe debt was improperly constituted: XXXX filed the claim late, XXXX denied it for untimely filing, and XXXX then applied an erroneous "Self-Pay/Uninsured" discount on XXXX before referring the residual XXXX to XXXX on XXXX XXXX was not uninsuredXXXXTimeline of disputeXXXX XXXX XXXX called XXXX, dispute logged, collection paused, certified mail dispute letter sent (tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified mail delivereXXXX XXXX XXXX sent an account itemization not a dispute resolutionXXXX XXXX Updated FDCPA demand sent via email with full documentation including XXXX and hospital ledgerXXXX XXXX XXXX responded: "our client has advised our office that this outstanding balance is your responsibility" no investigation, no engagement with evidence\XXXX has failed to meaningfully investigate this dispute as required under the FDCPA. They deferred entirely to their client despite documented evidence that the debt has no legal basis. The XXXX confirms XXXX patient responsibility. A second provider from the same ER visit XXXX XXXX XXXX XXXX) successfully billed XXXX for the same date of service and was paid on XXXX proving XXXX coverage was identifiable without patient intervention.XXXXRequested resolution: Close and remove account from collections. Confirm no adverse credit reportingXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
XX/XX/year> I owed {$2600.00}, I request payoff on XX/XX/XXXX took it out of bank .. now they said I owe {$270.00} more.... rip off company

Company response to consumer: Closed with explanation