vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have been the victim of identity theft since XXXX when my ex-wife ( XXXX XXXX ) & I checks were stolen, there is a police report on file at the XXXX, Tx police department. As well as man was arrested in XXXX XXXX XXXX Tx for renting a hotel room in my name and being in possession of my personal checks. As well in XXXX a waitress used my identity at XXXX XXXX in XXXX, Tx by using g my info from my debit card. I was in incarcerated from XXXX till XXXX, before that I was using XXXX XXXXXXXX XXXX XXXXXXXX for phone services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On our tv we tried to sign up for one month of the XXXX and we were charged for the annual fee {$200.00} on XX/XX/year> instead of the XXXX month {$19.00} fee. I disputed XXXX the charge with Citi and they investigated for several months and eventually came back and ruled against me. I called XXXX directly and explained what had happened and they agreed to refund the full {$200.00}. XXXX sent an email approval which I sent to Citi after Citi did not provide a simple way to send it. They eventually received it which XXXX has acknowledged they received it and still Citi still has not agreed to credit the refund to my account- I am still waiting. They continually say they ruled in merchants favor saying it is closed. I opened a new dispute # XXXX. All I seek is the credit the merchant has agreed to pay {$200.00}. I have sent multiple correspondence to Citi including the XXXX refund approval to no avail. I will attach multiple files showing various correspondence and especially the XXXX approval for my refund. This should have been taken care of in a week or 2 and now it has been months.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im the founder Director of a charitable nonprofit organization. A legitimate 501 ( c ) ( 3 ) Nonprofit. Recently, Wells Fargo bank decided to begin charging increased monthly fees to all of their customers the hire the bank account balance waves the fee! They will not waive the fee for a charitable Nonprofit organization! Some charitable nonprofits have thousands of dollars in their account with many donors, smaller charitable profit like animal rescues are not so fortunate often times to have large donations and have a large bank account. One month maybe {$5000.00} the next month maybe {$10.00}! Regardless, we are a humanitarian organization in our community, providing the opportunity to save the lives of animals who will otherwise be euthanized in the shelter system we rescue them we rehabilitate them we provide them with surgery, vaccines, microchips medications, and the last thing that any Nonprofit in any community should have to do is pay a bank fee of {$15.00} a month if our balance is under {$2500.00}!! For Wells Fargo to charge such a fee to a nonprofit organization is unethical! I have further verified that other banks such as XXXX XXXX do not charge a fee for Nonprofit organization to have a checking account!! However, I have been with Wells Fargo with the same Nonprofit business account for nearly 15 years! And now they want to charge a {$15.00} a month service fee?! I have referred many other rescues to Wells Fargo. One of my largest donors is with Wells Fargo bank as a result.!! Wells Fargo does not seem to care what clientele they lose or what reputation they gain as a result of being greedy. These fees are a result of a lawsuit that Wells Fargo lost for overcharging, insufficient funds fees to their customers, and now they are pushing their penalties down to their customers once again. Why would Wells Fargo charge a fee on a Nonprofit account when other bank banks do not? Sure, I can change banks!, However, I should not have to endure the hassle and inconvenience of having to go to all of our Donor platforms and social media pages to change the Donor information!! Therefore, I am filing this complaint against Wells Fargo bank!

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a transfer issue and the extremely unprofessional conduct of a Chase representative. I attempted to transfer {$10000.00} from my Chase business account to my XXXX XXXX XXXX account. The transfer appeared as pending online, so I called customer service to confirm its status. I was told the transfer had failed and was instructed to send the transfer again. I specifically asked whether there was any risk of duplication, and I was clearly told there was no risk. Based on this incorrect information, I sent another {$10000.00} transfer. As a result, {$20000.00} is now in limbo and not available in either account. When I called back to resolve this issue, I was told it would take up to 5 days to return the funds, which is causing financial harm as I need to make an urgent payment to a supplier. What is most concerning is the conduct of the representative I spoke with during my last call. She was extremely rude, dismissive, and unwilling to properly address the situation. When I asked for clarification about where my {$10000.00} was and how this would be resolved, she did not provide a clear answer and ultimately hung up on me. While I understand that mistakes can happen, the refusal to acknowledge the error and the unprofessional behavior are unacceptable. I was left without answers and without access to my funds. This level of service is extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
The incident involving The XXXX XXXX, XXXX and the Service Finance Company LLC in XXXX on a significant violation occurred when the loan was executed " in the dark, '' as I was presented only with a signature screen on a mobile device without any prior access to the full contract or mandatory disclosures. Under XXXX, lenders are legally required to provide clear, written disclosures regarding the Annual Percentage Rate ( APR ), finance charges, and total payment amounts before any consumer signs a loan agreement. By only providing a signing screen at XXXX outside in the dark, XXXX XXXX denied me my right to review the financial terms. This lack of transparency and the failure to provide a physical or digital copy after the fact further confirms the predatory nature of the transaction. Despite repeated requests, the lender has failed to provide a copy of the loan agreement or the required Truth in Lending Act ( XXXX ) disclosures. Although I notified them via email that the digital link provided would not open, they never sent a functional copy or a physical alternative. To date, I have received no written documentation regarding the terms, penalties, or total cost of the loan. This failure to deliver disclosures prevents me from understanding my financial obligations and constitutes a significant violation of consumer protection laws.

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 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
My XXXX account from XXXX XXXX was sold to XXXX, the balance was inflated once transferred with no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing a complaint against Hunter Warfield , Inc. ( also operating as XXXX XXXX ) regarding an invalid debt they are attempting to collect and reporting on my credit file. This account relates to a former rental property. I was not evicted for nonpayment of rent and was current/paid ahead at the time possession of the property was returned. Despite this, the company is attempting to collect charges that include cleaning fees, damages, and rent-related amounts that are not legitimately owed. The alleged damages involve carpet damage that was caused by a rodent infestation that the landlord failed to address. These conditions were outside of my control and fall under landlord maintenance responsibility, not tenant liability. I have previously disputed this account and recently contacted the company again to request validation of the debt. Their representative claimed that documentation was provided in XXXX ; however, I never received such documentation, and they have failed to provide it again upon request. Despite my dispute and request for validation, the company continues to report this account on my credit file without providing supporting documentation such as a signed lease, itemized charges, move-out inspection reports, or proof that I caused the alleged damages. As of now, the company has not provided sufficient evidence that this debt is valid or that I am legally responsible for the charges being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Called into the institution numerous times and spoke with representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: ME

Complaint narrative:
I have a chime account and they're refusing to resolve 6 duplicated {$150.00} authorizations causing a negative {$900.00} balance I have proof of a payment inside receipt agents are hanging up on me on the phone this is a violation of regulation ease error resolution requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Wanted to know if I could see whats happening with my credit. Need to know what happened with my accounts.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I canceled my TD Bank credit card account in XXXX of XXXX. In XXXX of XXXX they approved a charge to my account. Representative via phone confirmed my account was closed by me in XX/XX/XXXX. TD Bank then approved a charge from XXXX for {$670.00}. TD Bank then charged my account XXXX more times for penalties and interest, {$29.00}, {$9.00}, and {$0.00}. This account was closed and no more charges should ever be approved on this account. The cardholder agreement has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
A debt collection agency repeatedly contacted my family members, specifically my XXXX and my XXXX, in an attempt to obtain my phone number. These calls occurred on multiple occasions over the past Month including today XX/XX/year>. During these calls, both individuals clearly told the caller to stop contacting them. Despite this, the company continued to call them multiple times. The caller disclosed that the reason for the calls was related to a debt I allegedly owe. This information was shared without my consent, which caused distress to my family members and is a violation of privacy. I have not authorized this company to contact third parties regarding my personal financial matters. The repeated calls after being told to stop, along with the disclosure of debt-related information, are inappropriate and appear to violate the Fair Debt Collection Practices Act. Actions taken : My family members explicitly told the caller to stop contacting them. Despite this request, the calls continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My checking account was suddenly closed by USAA without a clear explanation. I did not make any unusual or suspicious transactions. There were no transfers, withdrawals, or activities that could be considered risky. The account was being used normally. I contacted USAA to understand the reason for the closure. During the call, I had some difficulty communicating in XXXX and had someone assisting me. However, I am the legitimate account holder and all information belongs to me. Despite my request, USAA did not provide a clear explanation and refused to reopen my account. I also asked if I could verify my identity, but I was not given a proper opportunity to do so. I believe my account was unfairly closed based on a misunderstanding. I am willing to fully verify my identity and cooperate with any security procedures. I request a detailed explanation for the closure and a review of my case.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I was told that I exceeded the numbers of modification allow.

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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I went to the Secretary of State with my grandson to try and transfer ownership of my XXXX XXXX XXXX XXXX to him. When I got there and started the process, I was told that I need a lien release from TD finance. I reached out to the company on XX/XX/XXXX and was told multiple times that the paper had been sent out to me, todays date is XX/XX/XXXX and I still havent received anything after multiple times of reaching out and even going up to the corporate building in XXXX Michigan. I have yet to receive my lien release from this company and its been a full two months and counting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
I do not acknowledge this debt and request that you provide proper documentation to verify its legitimacy. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. An itemized statement showing how the amount claimed was calculated 4. Copies of any contracts, agreements, or signatures proving I am legally obligated to pay 5. Proof that your company is licensed to collect debts in my state ( if required by state law ) 6. Documentation showing you have the authority to collect on this debt Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease all collection activities until you provide the requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Payfare International Inc.
State: GA

Complaint narrative:
I been trying close my XXXX Dasher account for past months. they keep saying I have to withdrawl or consume the balance I have first before I can close my account. according their deposit agreement it clearly stated that if account wanted to be close they will send a via check for the remaining balance with a XXXX fee .. which I accept. I spoken with the support team and a supervisor didn't get any help. and still they refuse to close my account and send me a via check to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Wave Financial USA Inc.
State: CO

Complaint narrative:
I have had wave invoicing for over a decade they have recently implemented an upgrade fee from the free package which I have I have chosen not to upgrade because of that choice my account has been disrupted continually they have repeatedly forced me to change my password over and over again counting 11 times now in the past two weeks they have declined client payments I do not have any access to any of my client information none of my recurring upcoming invoices none of my client data nothing it's all gone this last time they have finally just wiped everything away

Company response to consumer: Untimely response
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a written debt validation request to XXXX XXXX XXXX regarding a {$690.00} collection account they claim is owed to XXXX XXXX. They acknowledged receipt on XX/XX/XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX, reiterating my request for validation under the FDCPA ( 15 U.S.C. 1692g ). In each response, Credence stated they were reviewing my concern but would provide updated details. As of XXXX XXXX XXXX, over 18 months later, Credence has never provided any validation of this debt. Despite failing to validate, they continue to report this collection account on my XXXX XXXX and XXXX credit reports. I am requesting removal of this unvalidated tradeline from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief