vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: CA

Complaint narrative:
I am disputing a collection account related to a rental with XXXX XXXX XXXX in XXXX, Arizona from XX/XX/XXXX to XX/XX/XXXX. After the rental, XXXX claimed there was a scratch on the windshield identified through an automated scan. The only documentation provided was a blurry image that does not clearly show any damage. I made multiple attempts to resolve this directly with XXXX. I emailed several times requesting supporting documentation, including clear photographs, an itemized repair invoice, and proof that the damage occurred during my rental period, but received no response. I also spoke with three different representatives ( two in customer service and one in billing ), each of whom stated someone would follow up with documentation. No one ever did. Despite these repeated attempts, no documentation was provided and the charge was sent to collections. I received a collection notice from Viking Client Services , LLC dated XX/XX/XXXX, for {$520.00}, and I disputed the debt within the required timeframe using the form they provided. To date, no validation or supporting documentation has been provided. This debt is unverified and unsupported. I am requesting full validation of the debt, including clear evidence of damage, a repair invoice or estimate tied to the specific vehicle, and documentation linking the alleged damage to my rental period. If such documentation can not be provided, I am requesting that this collection be withdrawn and that no negative credit reporting occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Greenlight Financial Technology, Inc
State: CA

Complaint narrative:
I am submitting a formal complaint regarding a significant delay in receiving funds owed to me following the closure of my account with Greenlight Financial XXXX. On XX/XX/year>, I closed my XXXX parent account, which included XXXX custodial accounts for my daughters. Each custodial account contained a checking account, a savings account, and a brokerage account. At the time of closure, I was informed of the following : The balances from the checking and savings accounts in both custodial accounts would be consolidated into my parent account and returned to me via my linked XXXX XXXX account. All securities in the custodial brokerage accounts would be liquidated, and the proceeds would be sent to me within XXXX business days after closure. As of today, it has been 23 days since the brokerage accounts were closed, and I have not received the funds. The total amount owed to me is {$2700.00}. I have contacted XXXX customer service weekly since the closure, spending approximately XXXX minutes per call. Despite these repeated efforts : No clear status updates have been provided. My case has been escalated internally, reportedly to their engineering team. I have been told there is an internal issue preventing the release of my funds, with no estimated resolution timeframe. A representative recently indicated that it could take an unspecified long time before I receive my money. This situation is unacceptable. The delay appears to be due entirely to internal operational issues within XXXX, yet I am being deprived of access to my funds. In the meantime, I am unable to use or invest this money elsewhere, resulting in financial loss and inconvenience. I am requesting immediate action to : Release the full amount owed to me ( {$2700.00} ) without further delay. Provide a clear explanation of the cause of this issue. Ticket # XXXX Ensure that other customers are not subjected to similar delays in the future. I appreciate your assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
Date : XX/XX/XXXX. Amount : {$100.00}. Worldremit ( XXXX ) agreed and confirmed the money sent was transferred and received by Receiver on XX/XX/XXXX. This is far from the truth. The full amount was delivered to the XXXX bank, XXXX account that did not exist. Hence, Receiver did not receive the money as intended. XXXX reversed the money back to XXXX on XX/XX/XXXX. XXXX failed to notify me but kept the money. On XX/XX/XXXX, I was made aware Receiver didnt receive remittance. I called XXXX bank on XX/XX/XXXX. XXXX shared the document of fund reversal. I called XXXX and shared documents and Receivers bank statement. I called XXXX XXXX XXXX and Mgt multiple times ( more than XXXX times ) to reclaim my money. All to no avail. No refund after XXXX plus days of reversing the money to XXXX. I continued to receive the same generic email ( see excerpt highlighted below ) that XXXX is waiting for confirmation from its local partner in XXXX. Summary : The full amount sent ( {$100.00} ) was reversed to Worldremit on XX/XX/XXXX. I have been asking for the refund since XX/XX/XXXX. All attempts failed to yield the expected resolution. Hi XXXX, Thank you for your patience while we investigate your reported transaction error. We have contacted our local partner to gather the necessary details and are currently awaiting their confirmation. We appreciate your continued understanding as we work to resolve this for you If you have any questions or concerns, the best way to reach us is by replying directly to this email. Regards, XXXX XXXX XXXX XXXX XXXX, This is XXXX from WorldRemit, We are writing to follow up on the error you asserted in regards to funds sent to a wrong bank account number with tracking ID ( Case Ref ). We very much appreciate you bringing this to our attention. We have contacted the relevant team to investigate this issue further and will follow up once we receive feedback. Thank you for choosing XXXX Regards Your XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a new car with a loan on it. It was a XXXX XXXX XXXX XXXX XXXX and I also found out later from other dealerships and other companies that the loan company I had was XXXX of the worst banks ever Wells Fargo auto loan but back to XXXX XXXX I was paying everything was fine. XXXX day the car got broken into get their fixed. Later that month XXXX got broken into again. Then a XXXX months later, my car was stolen I reported i I got my car back. Just some time go by maybe another month or XXXX my car was stolen again and I wasnt able to retrieve it back. The whole time I was still paying. But the last time I let it be known I cant get the car back. We have no clue where it is. Ill let the loan people know that and they pretty much told me it ended up to me. Theres nothing they can do on their end and still wanted me to pay but have no car so I stopped paying because I did not like the outcome. It rubbed me wrong. This was in about XXXX so all this time I havent been able to go to the dealership and get a new car because the loan is pretty much on there so its kind of like a repossession but its not in a way I dont really fully understand it enough to tell you possibly the full correct way but every time I go to the dealership if a car is XXXX they want me to give them XXXX to XXXX because of the car loan being on my account and with the loan coming from the same bank that I was bank with, I lost XXXX of my accounts as well and now Im having trouble opening up a bank account at banks so my XXXX main concerns is can I get this car off of me completely and whatever is making me look bad to banks where they wont let me open up a account could I get help with that?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
Product : Student Loan Issue : Dealing with your lender or servicer Sub-issue : Trouble with payment processing / Incorrect information Complaint : I am submitting a formal complaint against my student loan servicer, MOHELA, regarding improper handling of my Public Service Loan Forgiveness ( PSLF ) eligibility, payment count, and repayment plan status. I have been enrolled in the PSLF program for approximately eight years and have consistently made payments while working in qualifying public service employment. Despite my compliance, MOHELA has failed to properly service my account and has caused significant harm to my progress toward loan forgiveness. Specifically : - I contacted MOHELA multiple times through their Contact Us portal in XXXX and again in XXXX requesting a review of my account and payment status. I did not receive any response. - Payments made in XXXX were not counted toward PSLF without clear or timely explanation. - I was not informed that I was allegedly on an ineligible repayment plan until after payments had already been made, resulting in those payments being disqualified. - I applied for an Income-Driven Repayment ( IDR ) plan in XX/XX/XXXX and was denied without sufficient explanation, preventing my ability to continue making qualifying PSLF payments. As a borrower acting in good faith, I relied on my loan servicer to provide accurate information and proper guidance regarding PSLF requirements. MOHELAs failure to communicate and correctly administer my account has resulted in lost qualifying payment credit and has jeopardized my progress toward forgiveness. This conduct raises concerns about servicing errors, lack of transparency, and potential violations of federal consumer protection standards. I am requesting the following resolution : - A full audit of my PSLF payment count - Retroactive credit for all qualifying payments that were improperly excluded - A clear written explanation for the denial of my IDR application - Correction of my repayment plan status to ensure ongoing PSLF eligibility - Discharge of my remaining loan balance if my corrected payment count meets or exceeds 120 qualifying payments If these issues are not resolved, I will pursue further escalation through XXXX XXXX XXXX and the XXXX Ombudsman. I request a prompt and thorough investigation into this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
ON XX/XX/XXXX, I HAVE DOCUMENTATION SHOWING I HAD NO INTENTIONS OF RUNNING MY CREDIT OR OPENING A CREDIT CARD. THERES A TEXT THREAD BETWEEN MYSELF AND A ROBINHOOD AGENT, I ASKED THEM CLOSE THE ACCOUNT IMMEDEITLY, PLEASE REVIEW THE RESPONSE. I LOGGED IN 2 MONTHS LATER SUPRISED TO SEE {$500.00} BALANCE ON IT ALREADY, I ASSUMED I DID SOMETHING WRONG IN THE APP AND MAYBE PURCHASED CRYPTO USING THE CREDIT LINE. THERE IS NO WAY TO MY KNOWLEDGE OF LOGGING IN TO CHECK YOUR STATEMENTS ON A WEB BROWSER, STATEMENTS CAN BE FOUND ONLY IN THE HARD TO NAVIGATE APP. AS A BUISINESS OWNER AND A FATHER, I LOST TRACK OF THIS ACCOUNT AND IT WAS LEFT ON AUTOPAY. I CHECKED MY XXXX TODAY XX/XX/year> SHOCKED TO SEE A MASSIVE BALANCE ON THIS CARD. I RESET MY PASSWORD AND LOGGED I TO SEE THIS MAXED OUT CREDIT BALANCE ( {$5000.00} ), AND NONE OF THE CHARGES LOOK RECOGIZEABLE! THESE ARE ALL FORIGN SITES CHARGING THE CREDIT LINE WITHOUT MY KNOWLEDGE! I NEVER WANTED THIS LINE OF CREDIT. I NEVER NEEDED OR INTENDED TO OPEN THIS ACCOUNT AND NOW I HAVE {$5000.00} BALANCE! I HAVE ALREADY REPORTED TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am disputing an unauthorized wire transfer of {$3800.00} from my bank account that resulted from account takeover and computer compromise, not consumer authorization. I did not initiate, approve, or benefit from this transaction. At the time of the wire transfer, my personal computer had already shown signs of compromise, and I had recently been the victim of confirmed financial fraud involving other accounts. I reported suspicious activity to the bank and requested that the transaction be reversed ; nevertheless, the wire was completed without my consent. The bank denied reimbursement without requesting additional information from me and relied solely on the fact that the transaction originated from my IP address. This reasoning ignores well recognized forms of fraud, including malware and remote access attacks, which can produce transactions that appear technically valid while remaining unauthorized by the consumer. To document this incident as a criminal matter rather than customer error, I filed a police report ( XXXX Police Department, Case No. XXXX XXXX ), an IC3 report, and an FTC fraud report ( No. 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 monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I previously opened a CFPB complaint with CIT Bank because I can't send wire transfers. The solution they offered was to let me send XXXX wire transfer, which is the same as doing nothing at all. CIT Bank, if they cared about their customer who's been with them for over XXXX years, would contact XXXX XXXX, or whatever company that they're using to confirm that the number that I own is my number and not brush me off and tell me that they don't care about my problem. CIT Bank has the complete power to resolve this problem, but they are choosing not to. I just want the record to state that they don't care about their customers and they did not resolve my issue. And apparently, they have no intention to do so. Just so that everybody that looks at this complaint in the future sees it. If you can't send a wire transfer with CIT Bank, it is because the verification system that they use is broken. Even if you contact them, and even if you file a CFPB complaint, they will do nothing to fix it because they don't care. CIT Bank is not reliable for wire transfers because the system that they use for verification is not reliable. If you run into an issue with them, their solution is that there is no solution and they will take no action to resolve it. Please keep this in mind if you ever choose to bank with CIT Bank and need to do wire transfers. They are unreliable at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Illegal withholding of funds and unfair account closure - Account # XXXX " My name is XXXX XXXX XXXX XXXX. I am filing this formal complaint against Bank of America for the illegal withholding of {$5600.00} and the subsequent closure of my bank account ( ending in XXXX ). On XX/XX/2026, I deposited a legitimate payroll check issued to XXXX XXXX by XXXX XXXX XXXX Bank of America closed my account, labeling it as 'fraud. ' It has been three months. The issuing company proved the funds were successfully cleared from their XXXX account ( see attached ). While only the payee signed the back, Bank of America already received the funds. I demand that Bank of America immediately issue a cashier 's check for {$5600.00} or return the funds to the sender. I also demand the removal of the fraud report filed in my name. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am filing this complaint regarding the closure of all of my accounts by Navy Federal Credit Union, including my credit card, based on an alleged fraud determination that is inaccurate and unjustified. I was informed that the issue relates to a {$200.00} XXXX transaction. I want to clearly state that I did not initiate this transaction. The funds were sent to me, and I did not request, authorize, or solicit them in any way. I had no involvement in any fraudulent activity. Despite being an unintended recipient, Navy Federal closed all of my accounts without warning and attributed fraud risk to me. This action has caused financial disruption and reputational harm. I have taken immediate action by filing a police report with the XXXX Police Department regarding identity theft related to this matter. This further supports that I am a victim of unauthorized activity, not a participant. I am requesting that Navy Federal : Conduct a proper reinvestigation distinguishing between an inbound transaction recipient and an actual fraud participant. Provide a written explanation of how I was determined to be associated with fraud. Confirm whether any consumer reporting agencies ( including XXXX XXXX XXXX or XXXX ) were used or notified. Correct any inaccurate internal or external fraud reporting associated with my name. Provide written confirmation that I am not being reported as a fraud risk. Review and reconsider the closure of my accounts based on the corrected facts. This situation reflects a failure to properly assess my role in the transaction and a misclassification that must be corrected. I expect a prompt and thorough response and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am submitting this complaint regarding repeated late fees that have been applied across multiple billing cycles on my American Express accounts. After reviewing my statements, I identified the following late fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$29.00} These charges reflect a recurring pattern across multiple accounts rather than isolated incidents. During this time, I consistently made payments and ultimately paid my statement balances in full, including shortly after any late fee was applied. This demonstrates my intent to remain current on my accounts and not carry a balance. Additionally, I have always relied on XXXX for at least the minimum payment across all of my credit accounts as part of my standard financial management. I believed XXXX was active on these accounts as well ; however, after reviewing my account settings following these charges, it did not appear to be active. Given my consistent use of XXXX and my payment history, this raises concern that there XXXX have been a setup, visibility, or system-related issue contributing to these repeated late fees. As a customer of approximately XXXX years, I have maintained a strong payment history and take my financial responsibilities seriously, including as an XXXX XXXX service member. Given the pattern across multiple billing cycles and accounts, along with my consistent payment behavior, I respectfully request a full review of these charges and a resolution that includes removal of the late fees and any associated interest. I am seeking a fair and reasonable outcome to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Complaint Against BMO Harris Bank Account Freeze Without Notice I am filing this complaint against BMO Harris Bank regarding the sudden restriction of my bank account without prior notice or adequate communication. My account was frozen, leaving me with no access to my funds. I was not provided with a clear explanation for the restriction, nor was I given a timeline for resolution. This has caused immediate financial hardship, as I am unable to pay essential expenses including rent, transportation, and basic living costs. All transactions on my account are legitimate and authorized. The funds in question were received as payment for services rendered, and I am fully prepared to provide documentation to verify the source of these funds, including communication with the sender, proof of work completed, and payment records. Despite my attempts to resolve this matter directly with the bank, I have not received clear guidance or timely assistance. I am requesting regulatory assistance to ensure this matter is handled fairly and promptly. This situation has placed me in an urgent and financially vulnerable position. I respectfully request that this complaint be reviewed and that appropriate action is taken to resolve this matter quickly.

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