vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is a follow-up to my existing complaint regarding accounts on legal hold with XXXX XXXX and XXXX. My accounts have now been restricted for 4 weeks, and I still have not received any clear explanation, documentation, or instructions on how to resolve the issue. I have made multiple attempts to contact both institutions and have only been told that the accounts are under a legal hold, with no further details provided. This situation is causing ongoing financial hardship, as I am unable to access my funds or meet normal financial obligations. I have not been informed of any actions required on my part. I desperately need access to money to pay bills for my family. I am requesting : A clear explanation for the legal hold Any supporting documentation Specific steps required to resolve this matter A timeline for when access to my funds will be restored If this matter involves an investigation, I request confirmation of whether I need to provide any information or take any action. Please add this statement to my complaint record and provide an update as soon as possible. Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: FL

Complaint narrative:
In XXXX I had Fraud on several of my Credit Cards. XXXX XXXX sent me a new XXXX XXXX XXXX that got lost in the mail. Then someone charged unauthorized items in XXXX. The gave me a temporary credit for the Fraud charges that were charged on my XXXX XXXX Credit card. I paid approximately {$57.00} for charges that belong to me, making the account XXXX. Then I received a new statement showing there was a credit. I spoke to XXXX on XX/XX/year>, at approximately XXXX XXXX I asked her about it, and she told me that the account was closed and the funds were mine. I told her I believe that the credit was theirs and she assured me it belongs to me. She said she could refund the credit to my linked bank account in the amount of {$610.00}. I got the funds in a few days. Then I received another statement in XXXX showing I owed {$610.00}. I called XXXX XXXX Credit Card Department on XX/XX/XXXX at approximately XXXX XXXX and spoke to XXXX and he said that she should not have refunded it back to me. I told him I mentioned that to her and she assured me that the funds belong to me and the account has been closed. I let him know that I wasn't happy and it was their mistake not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We have a business line of credit with Wells Fargo that is currently making automatic payments from the line of credit itself, creating a circular balance and increasing the amount owed. We noticed this issue in early XX/XX/2026 when reviewing account activity. Payments appear to be pulling from the line of credit instead of an external account, resulting in additional interest and potential fees. We contacted Wells Fargo by phone and a support ticket was created, but we have not received any follow-up or resolution. We also attempted to contact our assigned business representative, who has not responded. This issue is ongoing and is causing financial harm to our business. We are requesting that these payments be stopped immediately, the account corrected, and any improper charges or interest reversed. We have opened a case ticket the moment we found this out and havent heard back.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I noticed a huge change on my credit report. It said the balance on my credit care account went up {$3300.00}. I threw the card away. I set it up for automatic payments of {$200.00} a month when we put {$5000.00} on the card for my husbands health issue. We had it paid down to just over {$2000.00}. They said that there was a promotional thing that expired. I never saw that. I have used this card before for a vet bill of over {$5000.00} and they never added fake interest on it. I think its a scam that they do this to people and I want to file a class action suit against them. I noticed that they stopped taking the {$200.00}. payments out as well. Was this on purpose?? I have every bill I have set up for automatic payment so I don't keep track. I would have to go to the bank to pull statements. I tried to sign into my account to see my payments but now they have a new sign in and I think they did that so they could trick people and they couldn't see their statement any longer

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
SUBJECT : DENIAL OF {$400.00} PROMOTIONAL BONUS ACCOUNT OPENING ERROR EXECUTIVE SUMMARY : I am filing this complaint because Wells Fargo has failed to honor a {$400.00} checking account opening promotional bonus ( Offer Code : XXXX ) despite my full compliance with the promotional terms. This is a direct result of a processing error by branch staff and a subsequent refusal to provide a resolution. CHRONOLOGY OF EVENTS : XX/XX/year> : I opened an Everyday Checking account in person at the XXXX XXXX XXXX ( XXXX, TN ). I presented the {$400.00} offer code ( XXXX ) that I received via e-mail ( attached for your reference ) to Personal Banker XXXX XXXX XXXX. She helped me open my account, verbally confirmed the code was applied, and that I was " all set. '' QUALIFICATION : I fulfilled the requirement of depositing $ XXXX in qualifying direct deposits within 90 days. I have attached proof of meeting the requirements ( Qualifying direct deposits ). INITIAL DISPUTES : After the bonus failed to post, I opened XXXX support tickets : XXXX and XXXX. Customer service stated the bonus was denied because the banker failed to enter the code during account opening and directed me back to the branch. XX/XX/year> : I returned to the branch to meet XXXX XXXX. She verbally acknowdged that she remebered me and she remembered applying the offer code to my account thus confirming the validity of my claim. However, she claimed that she was busy helping other customers at the time and she instructed me to email her the details to " sort it out. '' PROFESSIONAL NEGLIGENCE : I sent her that e-mail with all the details ( attached here for your reference ) on XX/XX/XXXX and followed up again on XX/XX/year>. I also attempted to contact her official phone number but never actually reached her. XXXX XXXX has ceased all communication and failed to provide the promised resolution.

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 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
I was stuck in the SAVE plan, i was finally allowed to submit a new IDR for a new program XX/XX/year>, it however did not reflect accurately what the payment was to be. I had payment come due XX/XX/year>. I called to delay one month while things were figured out. The agent recommended that go into a forbearance longer than a month is XXXX because i could request to come out at anytime in XX/XX/year>. The new IDR was approved in XXXX. So i requested that I come out of forbearance. I was told this would take 90 business days because i put myself there versus it being an administraive forebearance. Now i am being told it can take 120 business days. its very frustrating to have to beg for someone to let you pay your student loans. I am currently on hold now, having been transferred to 3 different people for an 1 hour long wait because this is an advanced representative question of why I can't come out of forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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: PINNACLE FINANCIAL PARTNERS, INC.
State: CO

Complaint narrative:
I accidentally made two payments, one for {$1000.00} and one for {$50.00} to an old credit card with First Progress -- THAT WAS CASHED. I called First Progress 5 times. They gave me conflicting information regarding a refund every time. I sent them copies of the cashed checks from bill pay. I even got XXXX XXXX XXXXXXXX to call First Progress with me. It took six week. I finally got an answer from a rep at First Progress who told me that they can not give me a refund. Period. They just stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Unauthorized Credit Card Fraud, Improper Denial, and Unauthorized Account Withdrawal BECU I am filing a complaint against BECU regarding unauthorized credit card transactions and improper handling of my fraud claim. The fraudulent transactions occurred between XX/XX/year> and XX/XX/year>. I did not authorize these charges, and neither did my son or any authorized user. I filed a fraud claim in XX/XX/year>. However, BECU denied my claim without providing sufficient explanation or evidence. They stated they would send me documentation supporting their decision, but I never received any written findings. Approximately one month later, I was contacted by DSHS and informed that BECU claimed my son was responsible for fraud on my account. This allegation is false, and no proof has been provided to support it. I believe this false assumption led to the wrongful denial of my claim. Additionally, BECU withdrew funds from my checking account to pay the credit card balance without my authorization or consent, even though the charges were still under dispute. This raises serious concerns under the Fair Credit Billing Act and the Electronic Fund Transfer Act, which require a proper investigation, proof of authorization, and consumer consent for transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding my experience with Upstart and their handling of my request for hardship assistance. I currently have two active loans with Upstart and have maintained a perfect payment history, never missing a payment. Recently, I experienced an unexpected job loss, which has temporarily impacted my ability to make my scheduled payments. I contacted Upstart to request hardship assistance or alternative payment arrangements during this period. During my call, I spoke with a representative ( name unknown ). Unfortunately, I was not provided with any meaningful assistance or reasonable alternatives based on my financial situation. I was not provided any options, just that I am unable to gain a forbearance despite the UpStart website saying " we may have loan assistance options to help you manage your payments. '' As a result of not being offered any viable solutions, I felt I had no reasonable option but to consider stopping payments temporarily, despite understanding the negative impact this may have on my credit and asked them to remove my auto-pay. I am requesting that Upstart review my account and provide a reasonable hardship accommodation, such as a temporary payment pause, modified payment plan, or other relief options, especially given my strong payment history. Additionally, I am requesting a clear explanation of why no options were made available to me under my current circumstances. I believe I made a good faith effort to remain in good standing and communicate proactively, and I am seeking fair treatment and reasonable assistance during a temporary financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In XXXX I opened a PNC checking account online. After experiencing issues with the accounts low limits on wire and bank transfers, I contacted PNC by phone to close the account. The representative refused to process the closure and told me I would need to visit a physical branch, despite the account having been opened entirely online. Because I was unable to close the account by phone or online, I withdrew all funds from the account. PNC then charged me a XXXX XXXX monthly service fee twice over a period of approximately 49 days, bringing the account to a negative balance of approximately {$49.00}. PNC subsequently charged off the account and reported it to XXXX XXXX XXXX XXXX XXXX When I contacted PNC to resolve the matter and request removal of the negative reporting, a representative told me to contact XXXX XXXX XXXX myself. I explained that XXXX can not remove the entry without a request from the reporting creditor ( PNC ), but the representative would not assist further. I requested a formal complaint be filed internally with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA 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: FL

Complaint narrative:
This issue is time-sensitive due to a loan modification deadline of XX/XX/XXXX. I am working with Rocket Mortgage on a loan modification for my property in XXXX, FL. The loan modification documents they provided incorrectly require my ex-spouse to sign as a borrower. My ex-spouse is not a borrower on the loan, is not on title, and has no legal ownership interest in the property. I am the sole borrower and sole titled owner. I am legally divorced, and my XXXX XXXX confirms I was awarded full ownership and responsibility for the mortgage. I also completed a buyout of my ex-spouses interest and provided Rocket Mortgage with the Divorce Decree, buyout agreement, and proof of payment. Despite this, Rocket Mortgage drafted the loan modification to include my ex-spouse as a borrower ( married joined by spouse ) and is requiring her signature. This is incorrect and does not reflect the actual legal structure of the loan or ownership. My ex-spouse has never been a borrower on this loan, including during the refinance and a prior loan modification completed with Rocket Mortgage in XX/XX/XXXX, which did not require her signature. This shows inconsistent handling of my loan. I have submitted a formal grievance and follow-up communications, but have not received a response. Representatives have also been unable to confirm whether my grievance was properly received or escalated. This issue is preventing me from completing the loan modification despite my full cooperation and submission of all requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Charges from XXXX XXXX were posted from my bank account on XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$150.00} & XX/XX/XXXX for {$240.00}. I contacted Wells Fargo on XX/XX/XXXX to dispute. I have never used XXXX XXXX and do not have the app on my device. I was given provisional credit which was reversed XX/XX/XXXX by Wells Fargo. I contacted XXXX XXXX on XX/XX/XXXX to dispute and was emailed on XX/XX/XXXX by XXXX XXXX claiming they could not refund the charges as I have no account with XXXX XXXX. I contacted Wells Fargo again by phone on XX/XX/XXXX, I was transferred several times before speaking with a supervisor. She advised the claim had been denied due to Wells Fargo 's claim that my device was used which is not factual. I filed a Police report XXXX. Wells Fargo 's denial of my claim violates the Regulation E protecting consumers from electronic fraud. I followed the regulation of reporting within 2 business days.

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have no knowledge of this account and believe it was opened fraudulently without my authorization. I am not responsible for debts I did not incur. If this account was the result of identity theft or fraud.

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 2026-04-07 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I cancelled my membership with XXXX but on XX/XX/year> I was charged {$38.00}. Spoke with Cash App they refused to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Beginning in XX/XX/year>, I was charged approximately {$200.00} per month by XXXX XXXX. I believed these charges were related to my application for XXXXXXXX XXXX XXXX as the enrollment emails and process were presented as XXXX Policy Instructions and referenced XXXX XXXX XXXX I signed enrollment documents under the belief I was securing health insurance coverage. The materials prominently referenced XXXX and health coverage, while the separate XXXX XXXX membership was not clearly disclosed as a recurring charge. My actual XXXX premium payments did not begin until XXXX, which contributed to my belief that these earlier charges were part of my insurance coverage. Once I realized the charges were not related to XXXX, I disputed them. Fifth Third Bank denied my dispute twice, stating the charges were authorized, but did not address the misleading nature of the enrollment process or confirm that my submitted documentation was reviewed. I requested proof that the CARE CONNECT membership and recurring charges were clearly disclosed and authorized, but this was not provided. I am requesting a full re-investigation and reversal of these charges due to deceptive enrollment and lack of clear disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I have sent XXXX letters certified mail to them disputing this debt. This account was from Identity theft, I sent the police report and the FTC report along with a debt validation and cease and desist letter. They still are continuing to collect on the debt and they have never responded and continued to report the account on my credit report I do not have an account with this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation for furnishing inaccurate, inconsistent, and unverifiable information to all three major consumer reporting agencies in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ). Credit Acceptance Corporation is reporting an auto loan account ( Account XXXX XXXX, opened XX/XX/year>, original balance {$32000.00} ) with a current past due balance of {$17000.00}. Upon reviewing my credit reports from XXXX, XXXX, and XXXX, I have identified the following material inaccuracies and inconsistencies in how this account is being reported across all XXXX bureaus : XXXX reports XXXX potentially negative months on this account. XXXX reports XXXX potentially negative months. XXXX reports unknown payment history entirely. The same account can not have XXXX completely different payment histories across XXXX bureaus. This inconsistency is direct evidence that the information being furnished is inaccurate and unverifiable. The account status is reported as at least 120 days past due on XXXX, voluntarily surrendered on XXXX, and voluntary repossession on XXXX. These are XXXX materially different account statuses on the same account. A furnisher has a legal obligation under the FCRA to report accurate and consistent information to all consumer reporting agencies. Reporting XXXX different statuses on the same account to XXXX different bureaus is a clear and direct violation of that obligation. The furnisher contact address differs across all XXXX bureaus. XXXX lists XXXX XXXX XXXXXXXX, XXXX MI XXXX. XXXX lists XXXX XXXX XXXX, XXXX MI XXXX. XXXX lists XXXX XXXX XXXXXXXX, XXXX MI XXXX. These discrepancies further indicate a failure to maintain accurate and consistent records in the furnishing of this information. The reported past due balance of {$17000.00} has not been verified with complete documentation. I am requesting a full accounting of this balance including the original signed contract, complete itemized payment history, and documentation of all fees or charges included in this figure.

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