vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
If I had knew I would had took care of it some way but I never was told that a credit card from capitol one was in my name for a XXXX XXXX XXXX I think but it turned into slot more then that and among empty ward bill I never bought any thing from but by the time I found out about the bills they were charged off but IV told them Nemours times for over two years or more now that I did not get this card my six num is very easy to rem and I need this taken care of bed I can't buy notHing or get a way to get my credit back on. Track I had almost a XXXX before this happened I was going to buy a home now I can't do any thing I just need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had my synchrony accounts closed for high risk and a few bounced payments well thats fine and all but before hand they held all my payments and didnt tell me then there app site and XXXX  credit app wasnt syncing so I made a payment on one waiting and when I checked the others and it didnt show I placed a payment well they closed my account. And all my payments hit at the same time and they owe me XXXX and doing everything in there power not to pay it

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 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
Around 2 years ago I lost my wallet in XXXX XXXX XXXX and unfortunately it included my wallet that had my social security number in it. Unfortunately this person was able to rent apartments, surrender my ID in a different state, get my birth certificate along with much more information. I never stepped foot in an XXXX  XXXX, nor have I authorized them to use my information to secure a loan. I have submitted all documentation to them to prove that I have been dealing with identity fraud and that this person is not me.

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 2026-01-22 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: CA

Complaint narrative:
My card was used XX/XX/XXXX with chime bank for a transaction for an XXXX and another for a XXXX  in XXXX XXXX. I live in XXXX  and have tried to dispute the charges twice, both have been denied and I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is fraudulently reporting on my credit report. I do not have a contract with this company and they have illegally obtain my information. I requested this be removed from my credit report immediately or legal action will be pursued. This is a clear violation of my rights. 


LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX Ford XXXX ( XXXX, XXXX ) sold me a XXXX  Ford XXXX XXXX via an online-initiated transaction with arranged delivery. I paid a {$3500.00} down payment and have made $ 720 monthly payments since ( total ~ $ XXXX so far ). 
The dealer never provided me ( the buyer/borrower ) with a copy of the retail installment contract physically, digitally, or otherwise at delivery or afterward, despite my requests. The only contract was on a USB given to my cosigner ( son ) before my arrival, and it was never shown to me. 
Ps im having trouble uploading my documents is their an email i can send them to please advise. Thank you! 
The contract file timestamps ( XXXX XXXX. and XXXX XXXX  next day ) prove it was altered after my son signed but before he left at ( XXXX XXXXXXXX ), misrepresenting execution time and terms ( $ XXXX instead of agreed $ XXXX ). It lists only my son as borrower/owner, excluding me despite my payments and possession. 
This violates TILA/Reg Z disclosure and delivery requirements ( 1026.17 & 1026.18 ), misidentifies the borrower, and involves deceptive financing practices. 
I have open complaints with OCCC ( # XXXX ), XXXX, XXXX, and FTC. I seek cancellation of the fraudulent contract, refund of payments, clean title in my name, and cessation of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Olympus1 LLC
State: NC

Complaint narrative:
I was promised the moon and the stars and given a reduction of credit score by XXXX points along with monies removed from my checking account to which day state that I may or may not receive my money back from the third-party account that is due to my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Deatrick & Spies PSC
State: IN

Complaint narrative:
On XX/XX/XXXXXXXX  I received correspondence from XXXX XXXX representing Deatrick and Spies XXXX  saying my wage garnishment was paid off, they were in process of closing and I would receive refund for overpayment. The judgement was for {$11000.00} ( 8 % annual interest ) so about {$12000.00}. I paid {$19000.00}. XXXX XXXX stated over payment would be sent to my address and verified my address. I received a payment with 2 checked dated for my XX/XX/XXXX and XX/XX/XXXX paychecks. I emailed XXXX XXXX inquiring about further payment. He stated that would come from the clerk. The garnishment release was signed XX/XX/XXXX. I spoke with XXXX clerk on phone, and she stated they had not received a payment for this garnishment since XXXX. I emailed XXXX XXXX again to inquire and he stated they would no longer have anything to do with this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My unemployment was direct deposited to Wells Fargo on the XXXX and I have confirmation from the government that they did do that Wells Fargo refuses to even talk to me about it saying there's something they can do XXXX XXXXXXXX  XXXX  to tell me to call the company which I did call the company which is the government and they said that was for sure sent and I have to call my bank. XXXX  uses XXXX  XXXX so they send it to XXXX  XXXX  and so I called XXXX XXXX and I called her an appointment and XXXX XXXX and an appointment says the money was sent to my Wells Fargo account they have it and they refuse to do anything about it. The direct deposit of {$670.00} was sent on the XXXX XXXX  my checking 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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I was victim of a scammer, I moved money on their advice on XXXX, I raised this with my bank HSBC on XXXX when realised it was scam, all evidence on my account, contacted fraud team at HSBC, told them whole story of event, offered evidence - this was declined as not necessary, was told it takes 5 days for HSBC to investigate, called again XXXX to update, was told waiting on reply with investigation and could take between 5-35 working days to write to me. On XXXX received letter from HSBC, dated XXXX ( day raised scam with fraud team ) saying they can't see anything wrong and won't refund my money taken. Letter sent out same day as initial phone call - where was the investigation, why was I lied to on 2nd phone call when letter had already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: GA

Complaint narrative:
I got scammed twice by online shops XXXX different ones and got denied twice even with proof of purchases and photos of the merchants not responding back the vids time was back sometime during XXXX or XXXX XXXX cant see exactly when since cant go back to XXXX the seconds time was XX/XX/XXXX and I never got my money back and nobody is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> I noticed 21 separate transactions from XXXX stores across Connecticut for {$99.00} each. I reside in Virginia and have not traveled to or through Connecticut in 5 years. Additionally, approximately 20 minutes prior to the transactions occurring in Connecticut I had purchased fuel from a gas station near my home in Virginia, followed by purchasing groceries at a local grocery store in Virginia. I was physically present at both locations when making the purchases. There is no possible way I could have simultaneously been physically located in both Connecticut and Virginia making purchases with my debit card. 
I lodged a fraud complaint with USAA and they initially provided a provisional credit for the stolen money. However, on XX/XX/year> USAA concluded its half-hearted investigation and stated there was no fraud and has now debited approximately {$2100.00} from my checking account, leaving me- {$920.00}. 
Whether due to incompetence, laziness, or mal intent, this needs to be rectified. 
I trusted USAA to take care of me after being defrauded, they did the opposite.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am trying to acquire a XXXX release from Ally financial since XX/XX/XXXX on a vehicle that my deceased father left to the family. The death certificate for my father have been sent into Ally per their request. I have received a confirmation verbally over the phone in XXXX of XXXX from the deceased department stating that they have received the death certificate and would be working on getting the lien release. The vehicle has been paid off since XXXX, so Ally stated that they would have to submit a request to the XXXX department to find the title and issue a lien release. In XXXX of XXXX I called Ally to check on the progress and they stated that it would take months for the XXXX department to get this resolved. It is now XX/XX/XXXX and I have still not received the lien release from Ally. I am seeking help as this has been an ongoing issue since XXXX of XXXX. I have submitted all of the paperwork they have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Their is people using my information on vehicles and cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX XXXX was contacted because I wanted to move my XXXX Account to a XXXX XXXX account. I was instructed to complete their XXXX  form, open an XXXX account, and liquidate my investments at HSA Bank. These items were completed. 

XX/XX/XXXX XXXX faxed XXXX to HSA Bank. 

XX/XX/XXXX I received a letter from HSA Bank that I had an investment account linked to an XXXX Account and that I needed to discontinue auto-sweeps, etc. I verified that my accounts holdings on their website showed {$61000.00} in cash and {$0.00} investment. 

XX/XX/XXXX Called XXXX  Bank, and the agent said that the XXXX was received from XXXX, but was in the incorrect department. She said she would transfer the paperwork to the correct department. 

XX/XX/XXXX Called XXXX  XXXX  again. They said the XXXX was received on XX/XX/XXXX, and it was approved on XX/XX/XXXX. The XXXX XXXX : XXXX. The agent advised that the XXXX XXXX was behind schedule. 

XX/XX/XXXX Called XXXX  Bank again. The first agent put me on hold, and I waited XXXX minutes before hearing from them. I called back. I spoke with XXXX. He put me on hold over XXXX times and said that after XXXX minutes of calling different departments, he processed the XXXX himself. After the XXXX hold, he said the issue was that I had pending investments. I asked him to look at my account, and he saw that my cash balances were over {$61000.00} and that there were no investments. He said he would call the department again. He returned and stated that the XXXX  was completed and that I should receive an email within XXXX business days confirming the transfer. He was unable to provide me with a confirmation number. He said the conversation was recorded. 

XX/XX/XXXX I have not received an email confirmation as promised by XXXX  Bank. They are holding over {$61000.00} of my money. I contacted XXXX Bank via email and received a generic email reply asking me to contact client services again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Mr Cooper / XXXX XXXX failed to pay my flood insurance policy at renewal in XX/XX/XXXX. As a result, the policy was cancelled. I discovered this issue when my HELOC bank purchased forced flood coverage- this was discovered XX/XX/XXXX. I immediately contacted all parties involved to determine what happened. I discovered that no renewal payment was made by Mr Cooper / XXXX XXXX  for my flood policy and my flood policy was cancelled. The escrow had adequate funds to pay the premium. 

My agent immediately placed a new policy on XX/XX/XXXX and provided the information to Mr Cooper / XXXX XXXX. Unfortunately, the policy terms were not as good as what I had in place prior to the cancellation. To keep the same terms would cost an additional {$1200.00}. 

On XX/XX/XXXX I tried to confirm payment of the new policy with MrCooper / XXXX XXXX. I have been unable to resolve the issue with Mr Cooper / XXXX XXXX. 

I imagine I am not the only person with this issue. They have held my money and not made payment on the flood policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Reached out to the American Express loan account ending in XXXX through CRA and CFPB throughout XXXX  One account was removed, but a second account still reports negatively on my credit reports. I have resubmitted the information that this company has requested several times to no avail. Upon receipt of my information, AmEx updated the fraudulent account to match the identification I resubmitted. This incorrect process continues to negatively impact my credit. I didn't apply for the accounts in question, and this company just ignores all correspondence. It's to the point that none of the bureaus paid by said company will even dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Since XXXX of XXXX, I have tried to get unauthorized charges taken off of my checking account with Chime. This last time I reported the disputes, they closed my checking account and still denied my disputes! I never authorized the charges, the Chime Company knows this and under the fair trades act I am protected from unauthorized charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
I have been receiving phone calls and email correspondence from XXXX XXXX XXXX XXXX for a couple of months now trying to collect a debt. At first, I ignored the messages thinking it was SPAM email and robo dialer. However, the collection agency sent me documentations that a Line of Credit was approved on XX/XX/year> by Title Max of Kansas with the credit limit of {$1500.00}. Upon reviewing the document, the address used in the application was XXXX XXXX XXXX, XXXX  XXXX KS XXXX.The email address used was XXXX and driver license in in KS. I have never lived or been in XXXX  XXXX and the email address dose not belong to me. XXXX XXXX XXXX also provided a copy of the statement which show that while the credit limit was only {$1500.00}. TitleMax allowed additional cash advances which resulted in the the total debt of {$5900.00}. This loan was obviously obtained fraudulently. Its apparent TitleMax did not performed their due diligence and allowing the line if credit to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputed accounts must be resolved in accordance with legal time limits.

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 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I was promised student loan forgiveness and I have not received it

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 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: AL

Complaint narrative:
Chime willingly let someone take my account 4/5 months back I lost my wallet and bag .Now through out past months my funds was being tampered with in the account also being used without my permission or knowledge .. Im in the military on base .. Transactions from weird places and weird random people is on the transaction statements I also have for proof, I talked to XXXX, XXXX all with chime dispute and security team.. they brushed me off didnt try help me, Chime sucks and they liers, they not helping at all other then trying to make me forget that this happened to my account and they almost closed the account without my permission .. like thats weird, you closed the account but didnt let me know my account was being used unauthorizedAnd there really rude, Why they act like they are trusted and a secured bank when there not .. I lost over XXXX and being played with in the account .. Also using the banks I had connected to remove moneyidk how they even get in chime supposedly at least picked up the weird transactions .. there unknown and there customer service is really rude.. They dont care.There not even trying to help.. asking the same question Ive being stuck with for 4 days total never anything different.. Same questions abt trying to reopen the account Im talking about my funds I dont care about the weak account that they actually also told me they cant re opened even though there the ones who closed itWeird right?? So I tryed asking how and who can I talk to who can help me because Im on base I have bothering because chime loose banking That bank needs to be sued and shut down immediately omggg I never went through any thing like this with, XXXX  XXXX, or XXXX.

Company response to consumer: Closed with explanation