vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
There are several problems with Honda Finance and the XXXX XXXX XXXX in XXXX The first car I purchased and paid off was never reported to the creditors at all. I realized it to late, but also I was ripped off from XXXXXXXX XXXX XXXXXXXX {$1800.00} with a warranty I was never able to use. My alternator went out 3 times in 6 years and XXXX refused to fix it the first time. I took that car turned it in and was not given the XXXX value and financed another XXXX XXXX at XXXX XXXX XXXX who ripped me off with the interest and making my payments go up. Now XXXX has their phone system rigged indicating they have not received my car payments, which is a lie I have all proof to my payments. Customer service is horrible and they are refusing to let me speak to a manager or someone at the headquarters level. Customer Service is lazy and hangs up on me. XXXXXXXX XXXX XXXXXXXX dealership lied to me on the paper work about the interest and some other option I don't understand but I told XXXX who was pressuring me to pay for it I don't want it. He put it on my paper work anyways behind my back and it made my payments go up. The interest was changed behind my back at % 16 when I was told it was 11 %. When I confronted this scum XXXX at XXXXXXXX XXXX XXXXXXXX he lies and said I shouldn't have agreed with it. I TOLD HIM I NEVER DID. He is a liar I complained to the manager he didn't care and they refused to change the paper work. XXXX XXXX and sales people are financial thieves! Now they have their phone system rigged saying I have not made my car payments. This is a FAT LIE!! They are trying to XXXX me over more than they have!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I authorized an ACH payment of {$49.00} to an online merchant ( XXXX ). The merchant refused to provide the expected service and withheld my funds, claiming I violated their terms of service. These terms were not clearly disclosed or reasonably understandable at the time I authorized the transaction. This came after merchant had advised that my redemption was in queue to be processed. They closed my account on XX/XX/year>, after claiming I violated their XXXX. I sent follow-up emails from XXXX to ask for clarification after they stated on XX/XX/year> that their decision was final and no further action would be taken. They did not respond to my initial question regarding the refund request or further emails asking them to clarify. On XX/XX/year>, I contacted Wells Fargo to dispute the transaction, explaining that the authorization was obtained under deceptive or unclear terms. I requested that the transaction be investigated as an unauthorized or improperly authorized ACH debit. This was after several attempts to contact the merchant to resolve. Wells Fargo denied my dispute, stating that they do not process ACH chargebacks, and did not provide a meaningful investigation into whether the authorization was valid given the circumstances. I have to claim numbers pertaining to this dispute. Here is the one pertaining to ACH as this is the claim I am currently disputing. I was given two claim numbers for the ACH dispute so I am including both here : XXXX and XXXX. I believe this transaction should be reviewed under the Electronic Fund Transfer Act, as the authorization was obtained through deceptive practices and may not constitute valid authorization.

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 2026-04-08 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: Chime Financial Inc
State: NJ

Complaint narrative:
My Chime account was closed and I had money remaining in the account. I was told that my remaining balance would be refunded within 14 days after the account closure. However, I did not receive the refund within that timeframe. I waited several weeks and contacted Chime customer support to ask about my refund, but I continued to experience delays. Because the refund was not issued within the promised 14-day period, I had trouble accessing money that belonged to me. This caused financial hardship and uncertainty about when my funds would be returned. I believe Chime did not follow their stated policy for returning account balances after closure. I am submitting this complaint because my refund was delayed beyond the promised timeframe and I want the issue reviewed and resolved. Chime is XXXX XXXX that's my chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Im writing this letter to Inform the dispute department about the transaction on my card from XXXX XXXX in XXXX Texas on XX/XX/year> I booked a rental car thru XXXX XXXX XXXX which totaled was XXXX & some change I was then sent a confirmation email which stated paid in full and where to pick up the rental car. When I arrived at the place after waiting in line I was told I needed a card on file to hold for security for the car which was for XXXX $ which would be put back on my card when I returned. I asked for a contract or paperwork they told me it would be emailed to me and I never received it. after my trip and returning the car when I got my billing statement there was XXXX $ charge and other charges for tolls. I contacted XXXX XXXX XXXX and was told by them that when I arrived at the XXXX XXXX I was not supposed to pay or be charged anything extra & that they would contact the rental car company and get back with me. When XXXX XXXX XXXX contacted the rental car company XXXX XXXX told XXXX XXXX XXXX that when I arrived there I didnt pay anything and wasnt charged anything.when XXXX XXXX XXXX contacted me back they asked for a contract ( which I never received ) & my bank statement which as you can see is there along with everything else. XXXX XXXX XXXX then said they could not further help the situation without a contract thats why since XXXX I have been contacting different departments to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
I was trying to apply for an apartment when the XXXXXXXX DEBT COLLECTIONS account that was brought to my attention on my credit. Like I explained to Jefferson Capital and XXXX on the phone that it was in fact NOT MY ACCOUNT AN FRAUDULENT. The last I spoke to mentioned that it was opened in XXXX and I DO NOT live close to a XXXX. Ive been living XXXX in Nebraska and now ( XXXX ) Wisconsin since XXXX. I would like to get this taken care of and removed asap. Its hindering my process on finding an apartment. Please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, Will Train, To Transfer, Wire Transfer, Money, To my Out The First Time The Money West Transfer, I Have To That my Money Return After Another Information The Call. Me From The Bank There Find Information The transfer With The Money never Alright, To my account Open tomes With Wells Fargo Day Stay That XXXX XXXX my When You my account Return Water Return on my account The Money The Last, XXXX XXXX, XXXX XXXX Dollars Where never and Remote From my account

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 2026-04-08 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: Rocket Mortgage, LLC
State: MN

Complaint narrative:
XX/XX/XXXXXXXX i was with XXXX XXXX XXXX XXXX for 24 year XXXX I was in a terrible accident that I was in the XXXX XXXX XXXX XXXX I file for a forbearance plan XX/XX/XXXX and in the process XXXX XXXX sold the loud to XXXX XXXX XXXXXXXX XXXX and they are charging XXXX and requesting a payment of XXXX for XX/XX/XXXXXXXX or Im going foreclosure and they are going to increase the monthly payment to hire payment for me to pay the rest the it could be XXXX from XXXX that I payed XXXX XXXX for 24 years before the forbearance plan to XXXX and XXXX months payment is impossible I retire with a fix income I think some its not right on the process of transferring the loan mortgage if you can help me to investigate if they didnt broke the forbearance plan you can contact me in Spanish or my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the nys attorney general. Someone stole all my info and used it to open up credit in my name and buy many things. I cant remember the dates or times because I have short term memory loss but I have written notes on what I called about and disputed. This isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Nationwide Capital Services, LLC
State: DE

Complaint narrative:
I received a call from Structured Settlement Debt collection stating that I owe a debt that they purchase from XXXX XXXX XXXX increased by {$1000.00}. He proceed to call me a thief and a liar, stated that he knew how much my house was worth a that he would be calling my job sending paper work to have a wage garnished. They proceed to contact family member and call my work cell stating you thought I was joking. He stated that if my son took out this loan they would press charges against him. He was very rude and condescending. I paid him {$300.00} just to buy some time for them to leave me alone. He called my husband phone as well.

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 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
XXXX XXXX XXXX sold my debt to True Accord. I have a payment plan that finishes on XX/XX/year>. I am calling XXXX XXXX XXXX to unlock the device associated with this debt and they will not. The debt is paid as far as XXXX XXXX XXXX is concerned, and even if it mattered, my debt to True Accord is currently between {$46.00} and {$47.00}. XXXX XXXX XXXX customer service today, XX/XX/XXXX at about XXXX claimed my debt to them is XXXX XXXXXXXX without having made contact regarding this debt in a number of years. Someone is violating my rights between XXXX XXXX XXXX and True Accord and both have my money and/or property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Please Provide Phone Records of call attempts including the phone number/s used to make the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: MA

Complaint narrative:
On XX/XX/year>, my student loans were placed into forbearance without my request. Due to a servicing or system issue, my automatic payments were stopped, and I was not notified in advance that my account would be placed into forbearance. Because of this unexpected forbearance, a significant amount of interest accrued on my account that would not have accrued if my automatic payments had continued as scheduled. I did not request this forbearance and would have continued making payments if the system had not stopped my autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: CA

Complaint narrative:
I had a bad situation and got a {$500.00} loan. They've been taking money from my bank account, sometimes twice a paycheck. These guys have been putting me into more debt, and it was only {$500.00}. I looked to see how far I was from paying them off, and I found out I'd already paid them over {$2000.00}! I called and asked ( because I'm struggling ), " Can we stop payments and call it even? '' No, they couldn't even do a 50 % cut. This is very unfair, and they're taking advantage of someone who is barely making it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Initially XX/XX/XXXX of XXXX I did a bank transfer of funds XXXX for {$100.00} and XXXX for {$92.00} it was never processed I canceled the card and told them that it was no longer necessary they cancel the card for me and went about my business then in XXXX of XXXX I get a notice stating that my account is negative because they allowed both transactions to go through on my canceled card so I contacted the bank that I had originally transferred the money to which is XXXX XXXX and they stated that there was no money in any of my accounts with them so I had them look through each account none no money deposited in any of them and then when I contacted BMO again to notify them that go to bank has no idea where this money is they said that I would have to go back to go to bank and figure it out that way then they sent me their investigation had concluded and they had evidence that I had made the transactions and I said I would like a copy of that I've said that to repeated customer service representatives for BMO with no success in getting any evidence mailed to me they say they did and nope they sent me one piece of paper that said that their evidence showed that the transaction was deemed plausible and so I don't know how that's possible considering I canceled the card and they also charged me two overdraft fees one for each transaction so that's another {$40.00} I can't afford and they took money out of my account that I could not afford and it was their mess up not mine I called canceled the card and they did not do as they said they allowed the transactions to go through months later and I believe they should be held accountable as should go to bank who supposedly can not find this money so I'm just out {$190.00} that doesn't sit well with me I can't afford that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am a wells Fargo customer, the problem is stemming from the PNC Bank. I am writing in response to the dispute associated with Case # XXXX regarding a XXXX transfer in the amount of {$470.00}, which has been inaccurately reported as an unauthorized transaction. I am formally contesting this claim, as the transaction in question was fully authorized, completed in person, and verified through multiple layers of authentication. Please review the following factual details : Transaction Details : Date : XX/XX/year>XXXX Time : XXXX XXXX ( XXXX XXXX XXXX ) Total Purchase Amount : {$570.00} {$100.00} paid in cash {$470.00} paid via XXXX XXXX Facts Supporting Authorization : The customer was physically present inside my business at the time of purchase. The XXXX transfer was completed by the customer on her personal device in front of me. The customer successfully completed two-factor authentication, including : A verification code sent to her device Biometric authentication ( facial recognition/fingerprint ) These steps confirm that the sender had full control of the account and knowingly approved the transaction. Additional Supporting Evidence : A signed invoice ( attached ) clearly outlining all purchased items and the total amount, as well as the reference number. The invoice includes the customers signature, acknowledging the transaction and forfeiting any rights to dispute the charge. The timing of this disputenearly three ( 3 ) months after the transactionis highly irregular and raises serious concerns regarding the validity of the claim. Given these facts, it is evident that this was not an unauthorized transfer, but rather a legitimate, completed in-person transaction. The claim being made is demonstrably false. I respectfully request that : This dispute will be immediately reviewed in light of the provided evidence. The claim of unauthorized transfer be denied. The full amount of {$470.00} be reinstated without delay. This situation is being taken seriously, and I am prepared to escalate further if necessary, including providing additional documentation or pursuing legal remedies. Please confirm receipt of this email and advise on next steps. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OPTUM BANK, INC.
State: MS

Complaint narrative:
This complaint is being submitted by the borrower, XXXX XXXX, regarding a XXXX XXXX loan used to pay for XXXX XXXX treatment at XXXX XXXX XXXX XXXX in XXXX, TN. This issue was previously disputed ; however, the company failed to properly investigate and has continued reporting negative information, including threats of charge-off, despite the account being in dispute. The underlying services financed by this loan were not delivered as promised and resulted in significant medical harm to the patient, including XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and the need for XXXX XXXX. These services were incomplete, unsafe, and medically unusable. XXXX XXXX was formally notified of this dispute and provided with notice that the services were defective and caused injury. Despite this : * The company relied solely on the providers denial and did not conduct an independent or reasonable investigation * No documentation of any investigation has been provided to the borrower * The account has not been properly marked as disputed across credit reporting agencies * The company continues to report negative information and has threatened to charge off the account This is not a standard billing dispute. This is a dispute involving failed XXXX XXXX and resulting harm, which directly impacts the validity of the financed charges. The borrower has made multiple attempts to obtain details of the investigation and dispute outcome but has been provided no meaningful information. The companys actions constitute failure to investigate a disputed account and continued inaccurate credit reporting. This matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: NJ

Complaint narrative:
I was in XXXX on a short family vacation when on XX/XX/XXXX a cab driver picked me up on the XXXX XXXX XXXX XXXX. He dropped me at my hotel on the XXXX XXXX XXXX ( a short ride that probably should have cost around {$14.00} ). I tried to pay with my XXXX XXXX XXXX, but he told me it didn't work. I then have him my Citibank XXXX and the charge went through. I did not get a receipt. When I got back to my room about 10 minutes later, I saw a fraud alert from XXXX. I immediately texted my husband at home in XXXX, New Jersey and asked him to call XXXX. I then saw the charge on my XXXX of {$3500.00} made for consulting services in XXXX, XXXX. I then asked my husband to call XXXX as well. Both credit card companies shut down the card and sent new ones to my home. XXXX XXXX took the charge off my account immediately, but I can not get XXXX to do the same. XXXX is insistent that I should have filed a police report, but I did not know the driver 's name, nor his ID or the car 's license plate -- I had no way to identify him. The card was in my possession, a fact which seems to work against me. I have been a Citibank customer for more than 40 years with an excellent creidt rating and I feel as if I am being treated as a dishonest person or cheat.

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