vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: PA

Complaint narrative:
I purchased a vehilce through XXXX XXXX in XXXX XXXX towards the end of XXXX of XXXX ... A loan was done through XXXX XXXX. The vehicle had nothing but problems and was traded in on XX/XX/XXXX. A check was overnighted to XXXX financial on XX/XX/XXXX and signed for at XXXX am according to the finance person at XXXX XXXX. Since XX/XX/XXXX I have received multiple phone calls, emails, and text messages stating that the loan was past due. I had called XXXX financial twice on XX/XX/XXXX and provided them an email that I received from XXXX XXXX at XXXX XXXX. I then sent an email to customer service and to XXXX XXXX ( a supervisor ) at XXXX explaining that I no longer have the vehicle. The first rep that I spoke with told me that I needed to contact them and that I needed permission to trade in a vehicle. At this point, I have now recieved XXXX phone, XXXX emails, and XXXX texts messages within a XXXX hour period.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Re : Misapplication of Credit Card Payments Bank of America Admission Without Correction I am filing this complaint regarding Bank of Americas misapplication of my credit card payments and its failure to correct the error after acknowledging it. 

Bank of America has confirmed to me that payments I made in excess of the minimum due were misapplied. Specifically, the bank acknowledged that my over-minimum payments were improperly split and applied to lower-interest balances instead of being applied first to higher-interest balances, including cash advances. This practice is inconsistent with Bank of Americas stated payment allocation policy, which provides that payments made above the minimum due are applied first to the highest-interest balances. 

Bank of America represented that it would audit my account to correct the misapplication and ensure all past over-minimum payments were applied correctly. However, no audit has been completed, no payments have been reapplied, and no corrective action has occurred. 

I have paid thousands of dollars above the minimum payment in good faith, relying on the banks published payment allocation rules. As a result of Bank of Americas failure to properly apply these payments, higher-interest balances continued to accrue interest unnecessarily, causing financial harm. 

Despite Bank of Americas acknowledgment that my payments were misapplied, the bank has failed to correct the account history, reverse improperly assessed interest, or provide written confirmation of any remediation. An acknowledgment of error without corrective action does not resolve the issue. 

I am requesting that Bank of America : Conduct the promised audit of my account ; Retroactively reapply all payments made above the minimum due to the highest-interest balances, as required by its policy ; Correct any improperly assessed interest and fees, and put them toward the high-interest balance Provide written confirmation detailing the corrections made.

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 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received a significant hit on my credit report because of a transfer of my student loans between companies. I was with XXXX when I discovered that I was actually with Nelnet. After transferring to Nelnet, I made a one-time payment for the entire year. However, I later found out that my student loans had been transferred to XXXX. When I made the one-time payment, I had informed Nelnet that I wanted the payment to cover the entire year. This was on XX/XX/year>, and I have since received 12 delinquency notes on my credit report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I made 3 deposits totaling {$3000.00} using certified XXXX  money orders. I was told that the fund would be available next business day ( XX/XX/year> ) and considering that XXXX  money orders are treated like cash I believed them. On XX/XX/XXXX I checked my account to no funds being available and that there was now a week hold on certified XXXX money orders. Upon doing research law states under regulation CC that banks must make XXXX  money order deposits available next business day for their customers. I made my deposit via teller at a Bank of America location where they told me the funds would be available next business day. I proceeded to go to XXXX money order tracking site where I inputted the money orders and all 3 came back as cashed, which means Bank of America has received their funds. This is a terrible practice Bank of America has implemented that is illegal and only benefits them and not their consumers what so ever. Bank of America should be investigated and held liable for this issue and it is not only illegal but an inconvenience for a customer of 8 plus years.

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 2026-01-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I attempted a {$25.00} debit card transaction for what was represented to me as a charitable donation. The payment terminal displayed {$25.00} and based on that representation I tapped my Chase debit card believing I was authorizing a {$25.00} charge. 
Instead, my checking account was debited {$3000.00}, an amount I did not authorize or consent to. I contacted Chase within approximately five minutes of the transaction to report the discrepancy.

Authorization for debit card transactions is amount specific. My consent was limited to {$25.00}, not {$3000.00}. The {$3000.00} debit resulted from misrepresentation or manipulation at the point of sale, not from valid authorization. 
Chase denied my claim stating the transaction was authorized, but did not address the incorrect amount charged or the misrepresentation at the terminal. I am requesting that this transaction be properly reviewed as an incorrect amount / fraud at point-of-sale debit card transaction and that the {$3000.00} debit be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I sent a formal debt validation request via Certified Mail on XX/XX/XXXX. It was received by the collector on XX/XX/XXXX. I have not received the required validation paperwork. On XX/XX/XXXX, I spoke with a representative who was rude and explicitly stated they 'would not send the paperwork again, ' despite my informing them that I never received it. Under the FDCPA, a collector must cease collection efforts until validation is provided. Their refusal to provide proof while continuing to demand payment is a violation of federal law. 

In addition to FDCPA violations, the collector is in violation of the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statute 559.72, specifically by failing to provide validation upon request and misrepresenting the legal status of the debt through their refusal to provide proof.

Note : After several refusals, a different representative recently claimed they would resend the documents. However, given the prior refusal and the length of time this account has remained unverified, I am proceeding with this complaint to ensure my rights are protected and that collection activity stops until proof is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-01-27 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: GA

Complaint narrative:
I am disputing an American Express XXXX XXXX account that appears on my credit report. I did not open this account, and I did not authorize anyone to open it on my behalf. 
On XX/XX/XXXX, I received repeated calls from American Express. When I answered, their representative checked their system and confirmed that there was no account under my name and that I owed nothing. Despite this, my credit report shows an American Express XXXX XXXX account with an opening date of XX/XX/XXXX. 
On XX/XX/XXXX, I reviewed my credit report and discovered this account for the first time. There is no possible way I could have opened it, as I was experiencing homelessness during that period. I can provide proof of my circumstances and timestamps of my communications. 
I contacted XXXX to report the issue and express concern that the application may have been submitted internally by one of their employees. Instead of receiving assistance, I was repeatedly transferred, dismissed, or argued with, and I never received clear information or support. 
I did not apply for this account, I did not authorize it, and I did not make any charges. I am requesting that this account be removed from my credit report immediately and marked as fraud. I also request the removal of any related inquiries or negative information associated with this unauthorized account. 
I will also be filing a police report regarding this identity theft and will provide that documentation as soon as it is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
The bank changed servicing company to Fay servicing company. This bank received the payment on the 15 via electronic payment with a credit card. 
We did the registration and made payment on the account as instructed. this was done on the XXXX of XXXX. I starting receiving phone calls and letter that payment had not been made. I called and spoke with a representative under the name of XXXX under the email of XXXX ; payment was withdrawn from the bank account and as of today this representative has not communicated back to us. This payment was made with the account not being late and all the letter being received indicate that the payment is late. How do you resolve incompetency from a bank or lack of customer service. If my account goes into collection than they will rued my credit. I need help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : ___________________ To Whom It May Concern, This letter is being sent in response to your reporting and/or collection efforts regarding the account referenced above. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 
Please provide the following documentation to verify this debt : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, and fees 2. The name and address of the original creditor 3. Copies of any signed contracts, applications, or agreements bearing my signature 4. Proof that you are legally authorized to collect this debt 5. Proof of assignment or purchase of the debt, including the date of transfer 6. The date of last payment and date of default 7. Verification that this debt is within the statute of limitations Until this information is provided, you must cease all collection activity, including reporting to any credit reporting agencies. If this account is currently being reported, it must be marked as disputed. 
Failure to provide proper validation will constitute non-compliance with federal law. If you can not validate this debt, I request that it be deleted from all credit reporting agencies immediately. 
This is not a refusal to pay, but a request for proof of obligation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: VT

Complaint narrative:
Company Name : Wise ( formerly TransferWise ) Consumer : XXXX XXXX Subject : Erroneous Sanctions Block and Negligent Handling of Time- Sensitive Loan Repayment 1. Background of Dispute : I have utilized Wise for approximately five ( 5 ) years to facilitate monthly tractor loan repayments to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These payments have been processed without incident for over XXXX consecutive months. On or around XX/XX/XXXX, I discovered that my Direct Debit was abruptly cancelled.

2. The Conflict & Administrative Error : Wise claims they sent a compliance request on XX/XX/XXXX ( XXXX XXXX  ). As this is a federal holiday and the email was not received/seen, Wise summarily cancelled my payment. 
The information requested was to " verify '' a recipient I have been paying for XXXX years. Despite providing the companys website, registered address, and invoices on XX/XX/XXXX, Wise staff provided contradictory and harmful instructions : XXXX ( Wise ) requested documentation ( provided immediately ). 
XXXX ( Wise ) then claimed Wise " does not support Direct Debits to XXXX '' ( this is factually incorrect as they have supported them for XXXX  years ). 
XXXX ( Wise ) later contradicted himself, telling me to " try to set up a new payment '' but stated they " can not guarantee the outcome. '' 3. Financial Harm & Negligence : The payment in question was due on XX/XX/XXXX. I alerted Wise multiple times that failure to process this payment would result in : Contractual late fees. 
Negative reporting to credit bureaus ( damaging my credit score ). 
Potential repossession risk of essential agricultural equipment. 
Despite these warnings, Wise " escalated '' the matter to a Complaints Administrator ( XXXX ) on XX/XX/XXXX, who requested a XXXX day window to investigate. A XXXX investigation for a time-sensitive loan default is a gross failure of their duty of care. As of XX/XX/XXXX, Wise ( XXXX ) confirmed that despite my accounts being " active, '' they still refuse to provide a guarantee that my payment will be processed or that they will indemnify me for the damages they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent {$2000.00} on XX/XX/XXXX through cash app to someone and when I spoke to that person who I sent it to they said do not send it to that cash app please cancel. I couldn't cancel the transaction so I called Cash app and cash shop told me it takes two business days for them to have compliance Department process that and I have been calling every since I've been calling more than five times and no one seems to give me an answer they just keep telling me two business days even through emails I got a email from them stating the same exact words and I keep telling them that it's been more than two business days they don't seem to understand and I told them that I will go through consumers to report them and they're still not doing nothing with my money and the money is taken out of my account and it's just sitting there pending and I need it to be canceled and sent back to me. All my bills have been delayed and now I'm not able to do anything. This is to pay some of my bills off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A scammer impersonated Wells Fargo using Caller-ID spoofing and induced me to read one-time passcode. Those codes were apparently used to create/link a fraudulent XXXX XXXX account and transfer {$1100.00} from my checking account via ACH without informed consent. 
Wells Fargo denied my claim by labeling the transaction " authorized '', despite this being account takeover via deception, which is unauthorized under Regulation E. Wells Fargo also replaced my debit card and then suspended it for XXXX XXXX  without warning or explanation. I am requesting reimbursement and correction. 

XXXX XXXX, 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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America debanked me ( for no reason, possibly political ) and made my rewards disappear and has refused to rerun my $ XXXX overpayment. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I opened a PNC Bank checking account in order to start XXXX XXXX XXXX XXXX from XXXX  I have in XXXX. I went into the bank and spoke with XXXX XXXX when opening the account, and explained to him that the first check ( the one I opened the account with ) and the following check will be substantially large, but the remaining payments will trickle in small. I explained that I needed the hold on the new check to be removed so that I can make vital life payments ( rent, utilities, etc. ). The bank proceeded to deposit my funds, then withdraw them ( even money that has cleared ). 
I have sent the bank the following info to reasonably assume that they are conducting an actual fraud investigation : - Tax receipts from XXXXXXXX XXXX XXXX for the rights - payment receipt from XXXX  XXXX for every cent on the check - Contact info for the XXXX XXXX - My attorney in XXXX XXXXXXXX XXXX - My mineral rights rep in XXXX XXXXXXXX XXXX- The affidavit of heirship that was filed in XXXX for the rights I'm not sure what more I have to do in order to free these funds up! It is my opinion that they are scamming me out of an introductory interest rate on the new account that would mean thousands of dollars in interest revenue to me. The money is NOT accruing interest while it sits in this state, and it appears to be withdrawn. The bank is using the fraud regulations to defraud ME!

Company response to consumer: Closed with explanation