vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo sends letter after letter with dubious content. NEVER addressing how their charge is developed. The state empirical numbers as to what was charged or paid in peso to dollar relation.

But not to the ACTUAL COST to the customer. They state a sliding rate that is not disclosed. They charge approximately ten percent in their non stated convoluted conversion to the but pesos from the customer but not how it is actually derived. They charge approximately five percent t
o to sell pesos to the customer. Why the difference?

I was charged nearly {$500.00} dollars to have them butyback the same pesos ( {$5000.00} worth of pesos ) that I had bought three weeks earlier. When I bought the pesos I as charged {$250.00} just to buy. There is no statement on what is charged on so called receipt on either transaction. There is only a rate of the peso they are buying or selling on this same paperwork. I tried to cancel my sell back when learning of thXXXX XXXX XXXX XXXX XXXX  charge but was not allowed to. Why? 

What wells fargo does is make up a sliding scale without DISCLOSING how it was contrived? Why more cost to the consumer when he sales and how were the fees actually derived and why were they not stated on the receipt????

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 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a checking and savings account with Chime for most of the year. It was closed in XXXX, and as a result my account to log in via the app and website were deleted. 

As the savings account generated more than {$10.00} in interest, I should receive a XXXX tax form. I called Chime to ask how to receive this as their website states it is accessible on the app. They stated they will not provide it because I don't have a web login, and refused to send it via any other means. They have my mailing address on file, so there shouldn't be a reason they can not mail the tax form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SC

Complaint narrative:
They closed your account with a remaining balance They promised to mail a check Now theyre saying you must go in person This creates a hardship, transportation, XXXX, The bank is nowhere near me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX for failure to process a valid XXXX insurance claim and wrongful loan servicing on a totaled vehicle. 

My vehicle ( XXXX XXXX XXXX, XXXX XXXXXXXX ) became inoperable on XX/XX/XXXX due to catastrophic engine failure caused by a service provider. It was placed in a repair facility on XX/XX/XXXX and declared not economically repairable by a licensed mechanic. Primary insurance denied coverage because the loss was mechanical, not because the vehicle was repairable. 

I notified XXXX on XX/XX/XXXX and again on XX/XX/XXXX and provided the mechanics total loss documentation and insurance denial. XXXX acknowledged my XXXX claim on XX/XX/XXXX under XXXX XXXX XXXXXXXX. Since then, XXXX has failed to obtain an XXXX, determine a deficiency, place my account into XXXX forbearance, or issue payment or denial. 

Despite knowing the vehicle is a total loss, XXXX has continued to bill me, retain prepaid payments, accrue interest, and increase my payoff from approximately {$7900.00} to over {$8000.00}. This has caused financial harm, blocked me from obtaining a replacement vehicle, and exposed me to credit damage. 

I am requesting that XXXX be required to immediately place my account into XXXX XXXX status, reverse all interest and charges after XX/XX/XXXX, refund or credit XXXX and XXXX payments, process and apply XXXX coverage, and correct any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the servicing of a consumer installment loan originated on XX/XX/XXXX in the amount of {$3000.00} by XXXX XXXXXXXX XXXX, with servicing handled by XXXX XXXX. 

According to the loan agreement, the loan carries an APR of 224.00 % with payments applied first to interest and then to principal. While this interest rate was disclosed, the actual servicing and payment allocation have resulted in a situation where I have made approximately XXXX scheduled payments totaling over {$5200.00}, yet the principal balance remains largely unchanged and continues to accrue interest daily. 

XXXXXXXX XXXX  own statements of account show that the vast majority of each paymentoften over 90 % has been applied to interest, with minimal reduction to principal. As of XX/XX/XXXX, XXXX XXXX  claims a payoff amount of {$2600.00}, despite my total payments already exceeding the original loan amount by a substantial margin. 

I have repeatedly requested a substantive reconciliation explaining how the current payoff amount is calculated and how this loan structure provides any meaningful path to principal reduction. Instead, I have received only restatements of general loan terms and repeated references to credit reporting, without addressing the underlying servicing concerns. 

I formally disputed the balance in writing and requested written-only communication. XXXX XXXX  declined to offer any settlement or alternative resolution and continues to allow interest to accrue daily while the dispute remains unresolved. 

My concern is not that the loan terms were disclosed, but that the servicing and payment allocation result in a potentially unfair, abusive, and unsustainable cycle of debt, where substantial payments do not meaningfully reduce the balance. I am requesting CFPB review of the servicing practices, payoff calculation, and treatment of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
I changed my legal name XX/XX/XXXX. Ever since, I have been trying to update my legal name with Edfinancial. They updated my legal name once... to change it to a butchered version that does not match my previous name, nor my current one. I won't be able to file my 1098 form with it.

I have uploaded the proper documents at least 5 times now ( SSN, driver 's license, birth cert ). I have called them at least 4 times. I called XX/XX/XXXX and was told to check in with them a few days later to ensure they made the change. An employee named XXXX said it would take two business days to process the documents and update things. 

Today, XX/XX/XXXX, they had not done anything. I called again. An employee named XXXX claimed my documents aren't showing up in their system, even though I received confirmation from the system that it had all been uploaded properly.

Edfinancial refuses to correct my legal name despite it being present on my driver 's license, passport, SSN, birth certificate, and all other forms of ID. I have been trying to fix this for well over a year and a half now. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding Upgrade and XXXX XXXX XXXX for a sudden and drastic reduction of my credit limits without proper notice, explanation, or adherence to required consumer protections. 

I have been an Upgrade customer for many years. I previously paid off a {$7000.00} loan in full and have never missed or been late on any payment for my current account. Despite this strong history, my primary credit line was reduced from {$5000.00} to {$500.00}, and a secondary unused account was reduced from {$2000.00} to {$250.00}. 

This reduction was communicated only through email and a brief in-app message. I did not receive a required Adverse Ation Notice, nor any written explanation. The reduction was so severe that my existing balance ( {$2600.00} ) now exceeds the new limit, effectively blocking me from using the card and harming my credit utilization. 

I believe this action was handled unprofessionally and without regard for my positive payment history. I am requesting a full investigation, a written copy of the required Adverse Action Notice, a written explanation for the decision, confirmation that my repayment terms will not be altered, and a review of whether this action was appropriate and compliant. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I'm experiencing a EXTREME CASE of FRAUDULENT CONVEYANCE/ FABRICATED ASSIGNMENT aka XXXX XXXX  that violates state and federal law. The company foreclosing on me lacks standing and does not legally own the mortgage and is attempting to forcibly coerce, manipulate and intimidate agreement to bond out of foreclosure. The scheme of levying a monetary judgment ( BOND ) to deceive and defraud me. They have no legal right to enforce a mortgage they don't legally own. An attempt to put me in debt because of their predatory lending practices after I applied for a refinance which took my mortgage from {$2100.00} to {$2900.00}. I'm currently XXXX XXXX litigant in the matter. I'm being abused by the court and plaintiff attorney. As they attempt to hide and sweep it under the rug. My evidence is beyond belief or doubt.

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 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shepherd Outsourcing, LLC

Complaint narrative:
OFFICIAL NARRATIVE Filed by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Against : XXXX XXXX XXXX XXXX XXXX ( collection agency ) Related creditor : XXXX  Advance Issue type : Debt collection threats, harassment, false representations COMPLAINT DESCRIPTION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is a small healthcare provider that has experienced severe financial hardship following the termination of its XXXX XXXX XXXX XXXX provider agreement and the resulting loss of XXXX revenue. 

XXXX XXXX XXXX XXXX XXXX, acting as a third-party collection agency for XXXX XXXX  XXXX has engaged in false, deceptive, and abusive debt-collection practices, including written threats of immediate asset seizure, forensic audits, IRS notification, Secretary of State filings, and on-site investigations without any court judgment or lawful authority. 

On XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX stated in writing that : Payment in full must be secured today or escalation would occur IRS and Secretary of State may be notified A forensic audit of business and personal assets would be initiated Investigators would conduct site visits and asset identification These statements are false, misleading, and intimidating, and constitute violations of federal law, including : 15 U.S.C. 1692e ( false or misleading representations ) 15 U.S.C. 1692f ( unfair or unconscionable practices ) 15 U.S.C. 1692c ( harassing and coercive communications ) CFPB UDAAP prohibitions under the Dodd-Frank Act The collection agency has no legal authority to : Seize assets Conduct audits Involve the IRS Initiate Secretary of State enforcement Perform investigations Absent a valid court order or judgment. 

Despite receiving a written cease-and-desist and demand for validation, XXXXXXXX XXXX XXXX continued to threaten escalation unless immediate payment was made. 
This conduct appears designed to intimidate a distressed small home care business into making payments through fear rather than lawful process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
I had a dispute. They put the money on my card but the wrong card so I have been calling today to get them to transfer the {$74.00} XX/XX/XXXXthat was taken off a card so now they put it on the old card and I called XXXX days ago and spoke to the supervisor he told me to give it XXXX hours. The money will transfer to the other card so XXXX calling today and now supervisor from the XXXX department named XXXX have blocked me. She have blocked my card. They have blocked my own whole account because of the first representative she was being nasty so I can not speak to her supervisor and her supervisor was nasty also and they blocked my card so now I dont have no use of the card or their online account they got on the phone being nasty and I got slick back with her and she blocked my card now I can not use it. Thats not right you shouldnt come to work with attitude now I just sent them my license now I got to wait XXXX to 6 days before they review it and Social Security is the XXXX that set me up with DirectExpress card so how come they dont know my identity thats not making no sense to me I want the supervisor XXXX and her and the person before her fired they dont need to be working that type of job not being disrespectful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute the account. If you believe you have sent the proper notification per the law, please provide a certified mail with receipt displaying my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
CFPB Complaint Narrative Comenity Bank Company : Comenity Bank Products : Credit Cards ( XXXXXXXX XXXX XXXXXXXX XXXX ) What happened? 

I am filing this complaint regarding Comenity Banks permanent closure of my XXXX Rewards and XXXX XXXX credit card accounts following an identity verification review that was handled inconsistently and without a fair opportunity to resolve. 

In XX/XX/XXXX, Comenity Bank notified me of suspicious activity and requested identity verification documentation. I promptly submitted the requested documents, including a government-issued photo ID and a current utility ( power ) bill, exactly as instructed. 

Despite submitting these documents, I later received notice that the verification was deemed insufficient and that both credit card accounts were permanently closed. 

On XX/XX/XXXX at approximately XXXX XXXX XXXX Standard Time, I contacted Comenity Bank by phone to seek clarification and request reconsideration. I spoke with a supervisor identified as XXXX ( badge number XXXX ), who stated the following : The account closures were automatic system decisions, not the result of a manual fraud determination. 
Documentation was recorded as received for XXXX account but not the other, even though both accounts were linked under the same Comenity profile. 
I was not notified that documentation needed to be submitted separately for each linked account. 
There were no red flags, fraud markers, or negative internal notes visible on my profile. 
There was no appeal or reconsideration process available, and no case or reference number could be provided. 
I was advised I could reapply for a new account after 30 days from XX/XX/XXXX, despite the closures being caused by an internal documentation handling issue. 

I am concerned that Comenity Bank closed my accounts without providing clear instructions, failed to apply submitted documentation consistently across linked accounts, and then denied any opportunity to cure the issue or appeal the automated decision. The lack of a reference number or written explanation further limits transparency and accountability. 

Both accounts were in good standing at the time of closure for several years, no late payments, no misuse, and no fraud on my part. I maintain excellent credit and stable income, and this closure was not caused by any consumer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
Medical financing / Deferred interest credit By XXXX ( financing for XXXX XXXX ) I am submitting this complaint regarding deferred interest that was added to my XXXX account used for my sons XXXX XXXX XXXX treatment. 

This account had a XXXX promotional financing offer with no interest if paid in full that expired on XX/XX/XXXX. I monitored the auto draft each month to be sure it processed but after the last payment processed on XX/XX/XXXX, I logged in to confirm the balance was {$0.00}. However, it still had a partial payment balance left plus all the deferred interest added in. I looked back at my first payment and saw that first payment on XX/XX/XXXX never went through from my XXXX account. 

I paid the remaining balance in full immediately but it did not post to XXXX until XX/XX/XXXX, approximately 12 days after the promotional expiration date. The account is now paid in full. 

Despite the balance being paid off shortly after the promotional deadline, XXXX  charged retroactive interest for the entire promotional period, which was unexpected and disproportionate given the short delay. I did not intend to avoid payment, and this was an honest oversight. The account was otherwise in good standing. 

I am not disputing the terms of the agreement, but I am requesting a one-time goodwill adjustment to remove the deferred interest due to the minimal delay and full payoff of the balance. I have attempted to resolve this directly and am seeking assistance in obtaining a fair and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
oday, XX/XX/XXXX, I received a phone call and a followup letter from a company identifying itself as XXXX. XXXX XXXX XXXX claiming to collect on an old Citi credit card debt allegedly opened in XX/XX/XXXX while I lived in XXXX  ( XXXX XXXX ). The letter states that the amount filed is approximately {$6900.00}, with a settlement offer of about {$2700.00}, and that the account was closed on or about XX/XX/XXXX. During the call, the representative claimed the debt had been validated and pressured me to accept a onepayment settlement with a short deadline in XX/XX/XXXX. 

I do not recall having this particular Citi account and have not received any billing statements or clear documentation showing that the account is mine, the date of first delinquency, or the date of last payment. The company has not provided copies of the original contract, monthly statements, or a clear chain of assignment showing that it has the legal right to collect this debt. Because the account allegedly originated in XXXX and was only closed in XXXX, I am concerned that any claim may already be beyond the statute of limitations for collection lawsuits in the states where I have lived, yet the company has suggested that legal action or liens could be pursued if I do not pay.

I have not acknowledged owing this debt, have not made any payments toward it, and have only asked for additional information and time to review. I am filing this complaint because I am concerned that this may involve either the collection of a timebarred zombie debt or an attempt to collect a debt that may not be mine, using highpressure tactics and nearimmediate payment deadlines. I am requesting that the company be required to ( 1 ) provide full documentation proving the debt is valid and that it belongs to me, including the date of first delinquency and last payment; ( 2 ) confirm whether the debt is timebarred from suit under applicable law ; and ( 3 ) cease any threats of legal action or negative credit reporting if they can not demonstrate that the debt is valid, current, and legally enforceable.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My vehicle ( XXXX XXXX XXXX ) was declared a total loss on XX/XX/XXXX. 
Exeter Finance received the insurance payment of {$17000.00} on XX/XX/XXXX ( claim # XXXX ), yet failed to initiate and process the GAP Insurance that was purchased and paid for at origination.

Despite the total loss being resolved by the insurer, Exeter continued to assess interest and late fees, and is now reporting an incorrect balance of {$8400.00}. These charges occurred solely due to Exeters failure to process the GAP claim in a timely manner.

As a direct result, my credit score has been significantly and negatively impacted by inaccurate reporting. I am requesting : 1 ) Immediate processing of the GAP claim, 2 ) Reversal of all interest and fees assessed after XX/XX/XXXX, XXXX ) Correction of all negative credit reporting related to this account. 

I have attempted to resolve this directly with Exeter in writing.

Company response to consumer: Closed with explanation