vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: TX

Complaint narrative:
On or about [ XXXXXXXX ], Wells Fargo closed my account after flagging certain transactions as fraudulent. These transactions were not authorized by me and were the direct result of my XXXX XXXX account being compromised by an unknown third party. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am a victim of unauthorized electronic fund transfers and have protections that limit my liability when fraud is reported. I acted in good faith and took prompt steps to secure my accounts once I became aware of the issue. Wells Fargo did not provide me with adequate notice, a meaningful opportunity to dispute the transactions, or a proper investigation before closing my account. Instead, I was penalized for fraudulent activity that I did not initiate, authorize, or benefit from. Closing my account under these circumstances, without fully considering my fraud claim, appears to be a failure to comply with federal consumer protection requirements regarding error resolution and investigation of unauthorized transactions.

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 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Finance is contacting me over a payment owed to them by me, on a car that was part of a total loss accident. The full amount requested by Hyundai Finance was paid to them by my insurance, XXXX, and they were then given the Letter Of Guarantee showing the passing of ownership and full payment. The amount requested is being explained as a payment for the deductible which should not be owed to Hyundai Finance.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Current creditor : LVNV Funding LLC represented by XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2100.00} {$2700.00} The case was dismissed without prejudice due to them not showing up to court, & not having the proper documents such as debt validation, debt verification, etc. Ive asked them several times to remove these from my credit asap. They keep trying to make me pay them even though theyve lost in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or around XX/XX/year>, Citi Bank unexpectedly closed my account without providing a clear reason. At the time of closure, Citi Bank held funds belonging to me in the account. Citi Bank informed me that my remaining balance would be returned via mailed check. Approximately two months later, I received a check from Citi Bank, which I deposited into my account at XXXXXXXX XXXX However, XXXX XXXX later reversed the deposit and returned the check to me as unpaid. I have attached documentation from XXXX XXXX confirming that the check did not clear and was returned unpaid. Despite this, Citi Bank continues to claim that the check was paid. I have contacted Citi Banks Executive Office and spoken with multiple representatives, but the issue remains unresolved. Citi Bank has not reissued the funds or provided a satisfactory explanation. As of today, Citi Bank has been holding my funds since XX/XX/year>, and I have been unable to access my money. This situation has caused financial hardship and significant inconvenience. I believe Citi Bank has failed to properly remit my funds and has provided inaccurate information regarding the status of the check. I am requesting that Citi Bank immediately return my full funds and provide a written explanation of the account closure and the status of the issued check. In addition, I request copies of the check that was allegedly sent, including all available front and back images, issuance records, mailing or tracking documentation, and proof that the check was actually paid or cleared on their end. Account Name : XXXX XXXX Supporting documentation from XXXX XXXX confirming the check was returned unpaid is attached.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: IN

Complaint narrative:
I enrolled in XXXX XXXX XXXX training program financed by Climb Credit. Account # XXXX for {$4600.00} is now with collection agency XXXX XXXX. XXXX materially breached the contract. The instruction was insufficient for me to understand core Manual QA concepts. I could only submit the online exam using outside resources due to inadequate teaching. I notified XXXX during the program and multiple times after that I did not understand the material and requested retraining. XXXX failed to respond and refused retraining, offering only premature interview coaching instead of teaching. Because XXXX failed to provide the competent, instructor-led training, there was a complete failure of consideration. I received no value. Under the FTC Holder Rule 16 C.F.R. 433.2, Climb Credit and XXXX XXXX are subject to all claims and defenses I have against XXXX. The debt is void. Despite this, Climb Credit charged off the account and XXXX XXXX is now collecting {$4600.00} and reporting it to credit bureaus, damaging my credit and my co-signers credit. They are attempting to collect a debt not owed. I have mailed debt validation letters to XXXX, Climb Credit, and XXXX XXXX via Certified Mail on XX/XX/year>. I want : ( XXXX ) Account # XXXX closed with {$0.00} balance, ( XXXX ) All negative credit reporting deleted from XXXX XXXX, and XXXX, ( 3 ) Collection attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: TX

Complaint narrative:
I've been banking banking with XXXX for 22 years. I have never had anything like this happen and I am absolutely appalled. The company has hung up on me 10 times, refuses to lift the fraud or verify my account even when given options to do so. And I've been able to use my account which is a major problem as all my bills are paid out of this account and my direct deposit from the VA is scheduled to come into this account. It will now be rejected I'm sure.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
I have gotten a refund from XXXX XXXX for a phone that I returned it the refund was {$100.00} on XX/XX/year>XXXX at XXXX I didn't even get a chance to see my money before it was Gone unauthorized I thought u guys were supposed to support and stop and protect our account from these actuations but like I said I would like the rest of my my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bilt Technologies, Inc.
State: ID

Complaint narrative:
On XXXX XXXX, 2026, I initiated a {$950.00} rent payment using the rent payment feature provided by Bilt Rewards. The payment was made via XXXX using the account and routing number provided by Bilt and submitted through XXXX XXXX. The payment was later flagged by XXXX as a self-payment and was not processed on their platform. However, despite the transaction not being completed, the {$950.00} was still debited from my account. I contacted Bilt Rewards multiple times to investigate the issue. Bilt initially confirmed that the payment had been processed on XXXX XXXX 2026, but stated that they had not received any reversal from their payments partner. At that time, Bilt did not initiate an ACH trace and instead directed me back to XXXX. After further escalation, Bilt eventually provided an ACH trace number ( XXXX ) and confirmed that the funds were sent to XXXX XXXX XXXX, which is associated with XXXX payment processing system. Despite this, the funds have not been returned to my account, and Bilt did not take timely action to trace, recover, or resolve the missing funds. As the originating financial institution, Bilt is responsible for initiating an ACH trace and assisting in the recovery of funds when a transaction fails or is not completed. At this time : The {$950.00} has been withdrawn from my account The payment was not completed The funds have not been returned Resolution has been delayed for over 40 days I am seeking a full investigation into this transaction and the prompt return of my {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST PRIORITY MORTGAGE, INC.
State: MI

Complaint narrative:
b'I refinanced my property with first priority mortgage XXXX with original loan no. XXXX to XXXX but has always since XXXX been an confusment by XXXX XXXX XXXX XXXX XXXX title saying there illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his daughter XXXX XXXX listed are owners living there with possession 20 years as but now both XXXX XXXX XXXX XXXXXXXX says is a Takeover account and recently a few days ago XXXX in XXXX credit card department and XXXX in the debit card department under XXXX XXXX XXXX XXXX says it is a Takeover account and under CFPB# XXXXXXXX and then urged to call the CFPB and spoke to XXXX and instructed under Regulation E are myself now notifying First Priority Mortgage that I give you full Authorization to move forward. Ftc# XXXX XXXX XXXX. Police reports XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: AP

Complaint narrative:
Beginning in approximately XXXX, I discovered that my American Express XXXX XXXX account was not classified under the Military Lending Act ( MLA ) despite my eligibility as an activeduty servicemember. This misclassification has continued for multiple years. First contact ( XXXX XXXX ) : I contacted American Express customer service to request MLA verification and correction. I was told the issue would be reviewed, but no followup occurred and the account remained misclassified. Second contact ( XXXX. XXXX ) : I contacted American Express again after receiving no update. I was given inconsistent explanations about MLA eligibility and was told the matter would be escalated. No correction was made. Third contact ( XXXX. XXXX ) : I contacted American Express a third time and specifically requested escalation due to the ongoing misclassification. I was informed that a supervisor would review the account. I did not receive a resolution or written confirmation. Supervisorlevel escalation ( approx. XXXX ) : I spoke with AMEX customer service rep and informed me that there is no supervisorlevel representative available when requested. Despite attempted escalation, American Express did not correct the MLA status or provide a clear explanation for the continued misclassification. Current status ( XXXX ) : As of today, my account is still not classified under MLA. Because of this, I may have been charged interest or fees that would not have been permitted under MLA rules. American Express has not conducted a retroactive review or provided written confirmation of compliance. I have made repeated goodfaith attempts over several years to resolve this directly with American Express. The company has not corrected the misclassification or reviewed the account for potential MLArelated adjustments. I am requesting CFPB assistance to ensure the account is properly classified and that any fees or interest charged in violation of MLA requirements are refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Sunrise credit service Purchased a XXXX debt Collection from XXXX online cable company from almost 2 years ago. From XXXX XXXX Collections. WHO DROPPED THE COLLECTION. I had an XXXX credit now XXXX from this action on XX/XX/scrub>XXXX I want the to cease and desist Today! It's Fraudulent!

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 2026-04-13 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: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I paid {$1600.00} for a root canal and the doctor completed a root canal on the wrong tooth. It was completed on the tooth next to it that already had a new crown. The doctor refuses to provide my dental records, take my calls, or see me when I went to the office. I initiated a dispute for {$500.00} on XXXX/26 with Navy Federal and provided documentation that include the X-rays in color of the crown that was destroyed, the crack in the tooth next to the one she repaired by mistake, XXXX reviews from other patients stating they had root canals completed on the wrong tooth, pics of my jaw swollen for days, and confirmation of ongoing investigation from the dental board. Navy Federal sent an email XXXX26 asking for documentation as if nothing was ever sent. I called on XXXX/26 and the rep had to chat with the claims rep who had trouble viewing the images. I had called twice previously to confirm the uploads which had disappeared because they were updating their system. I uploaded again while on the phone and the claims rep to told customer to ask me to upload the receipt again for the transaction and I did. The dispute was closed XXXX/26. I called and the images are not able to opened but they closed the investigation instead of contacting me to upload again. There was no communication and refused to provide me with the merchant 's response or provide a reason why they closed the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Ally Bank has repeatedly denied a valid dispute for Merchandise Not Received From XXXX XXXX ( Order # XXXX ) under XXXX Reason Code XXXX. The bank is misapplying a XXXX billing error window to a merchant dispute that allows XXXX days from the expected delivery date. The merchant ( XXXX XXXX ) has shifted delivery dates XXXX times and has failed to provide a refund despite written requests. '' I submitted additional disputes which have gone unanswered as well as sending emails to their CFO 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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: OK

Complaint narrative:
On XXXX I ordered a product from XXXX, On that same day I cancelled, however I was informed the product was already sent out ( XXXX XXXX supply ). My payment method was through XXXX. I have spent the last XXXX XXXX trying to resolve this matter with XXXX. They indicate they paid the full amount and there was no refund from the vendor. However XXXX advertises, cancel anytime and money back. Now XXXX is stating there is no account for me, how does that happen when XXXX indicates they paid the full amount. To date I only received XXXX shipment, yet they want me to pay the full amount for something I never received. XXXX or the collection company will not provide me with documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MN

Complaint narrative:
I have made XXXX requests requesting an escrow waiver since XXXX XXXX, 2026 without any acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created a PayPal account because a client preferred to pay me through PayPal. I received my first payment of approximately {$61.00}, which was successfully reflected in my account dashboard and subject to currency conversion to XXXX XXXX. Shortly after, I was asked to submit identification and verification documents, which I promptly complied with. I was initially informed that the funds would be released within three days. However, the following day, I received a notice that my account had been permanently limited, restricting all further activity, and that my funds would be held for 180 days. I find this deeply concerning and unfair. The payment is legitimate compensation for work I have already completed, and holding it for such an extended period is unreasonable. I am requesting a clear explanation for this action and immediate assistance in resolving the issue and accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX 2025, I got an email from Chime Financial Inc with a notice of account closure. Although the exact reason for this action was not provided. In the meantime, I had a XXXX term instant loan payment at the time with Chime for {$100.00} balance with a fixed {$35.00} payment. Upon closing the account, i no longer had access to make payment on this loan since payment was usually made through the account. XX/XX/XXXX, I sent an email to Chime customer support to request for means to pay the full balance and I got a response asking to call the support line at XXXX. I called the the support line XX/XX/XXXX, XXXX. XX/XX/XXXX and XX/XX/XXXX and each time after speaking with representatives to allow me make payment if possible, over the phone or send me a secure link to allow for payment, I was being placed on hold for time ranging up to XXXX waiting while the line eventually disconnects. One time, the representative responded since the account is closed, they will not allow me payoff the balance. Meanwhile, Chime has been reporting missed payments on my credit up to 120 days late in payment as of today despite all my efforts to payoff the account. It is a very unfair and malicious practice on their part. Even though I've disputed this with the credit bureau, Chime responded the account is accurate. Attached to this complaint are screenshot of my email to Chime Financials Inc customer support, call log showing dates and times I called support to remit payment on the account and the duration of those calls and also a screenshot of my credit profile where Chime has reported missed payments up to 120 days despite my effort to send them payments dating back to XXXX when I first reached out to Chime via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
dispute a fraudulent collection account reported on my credit file from XXXX XXXX. This account was opened using my personal information without my knowledge or authorization. I am a victim of identity theft and did not open, authorize, or receive services related to this account. I have attached my Identity Theft Report filed with the Federal Trade Commission as supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: TX

Complaint narrative:
I moved and I had a report my changes I did that they sent a new card and I went to turn it on and I verify who I was that was on the XXXX game on the XXXX it was approved I had a death in the family I called back on the XXXX and they said I had to redo it honey on the XXXX on the XXXX honey night on the XXXX and XXXX it was all denied now on the XXXX I don't understand the managers directec. XXXX. Would walk me threw step by step an still denied it XXXX i ki just moved in house but took my entire check last month an still owe on deposit so my entire chec my rent wais due on XXXX. I'm still not a letting me have my checthe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I bought a product from XXXX ( XXXX XXXX of a item ) They said they delivered 2 but I only received one. I tried to talk to XXXX and Bank of America but they would not help me.. I only received one of the product I was charged XXXX on XX/XX/year>XXXX Dispute was finished in 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