vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was unjustly charged overdraft fees on XX/XX/year> as well as XX/XX/year>. I called and was not able to get the issue resolved.

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 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan of {$30000.00} from Citi Bank. After my loan was approved, I received the {$30000.00} loan disbursement in my Bank XXXX XXXX account on XX/XX/XXXX. However, on XX/XX/XXXX, Citi Bank reversed the loan disbursement. As shown in my Bank XXXX XXXX account history, the {$30000.00} deposit disappeared from my account. After that, I called Citi Bank XX/XX/XXXX. Citi told me that the funds were being held by Bank XXXX XXXX and had not yet been returned to Citi. I then contacted Bank XXXX XXXX, and they told me that they had no reason to hold the funds, and they were very certain that the money had already been returned to Citi. My first payment due date is XX/XX/XXXX. It is completely unreasonable that I may be required to make payments on a loan that I never actually received. I find this situation extremely unfair and unacceptable. Citi Bank has not provided me with any clear explanation. They only keep saying that the funds were successfully disbursed. However, in my Citi Bank transaction history, I can still see that this loan appears to be in a pending status. I am now extremely confused and concerned. Since I never actually received or kept the loan funds, I would like to know : Am I still expected to make payments on XX/XX/XXXX for a loan that I never actually received?

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
Complaint Against : Prestige Financial Group Name : XXXX XXXX XXXX Address : XXXXXX/XX/XXXX, XXXX XXXX, AZ XXXX Email : XXXX Phone : ( XXXX ) XXXX Complaint Narrative : My name is XXXX XXXX XXXX, and I am filing this complaint regarding inaccurate credit reporting and account servicing issues related to my auto loan with Prestige Financial XXXX ( Account Number : XXXX ). I have identified that my account is being reported with late payments that I believe are inaccurate, incomplete, or not supported by verifiable documentation. I have submitted a formal dispute directly to the company requesting a reasonable investigation and supporting records. I am concerned that : The reported late payments may be the result of payment misapplication, delayed posting, or internal servicing errors The company may not be maintaining sufficient documentation to verify the accuracy of what is being reported My dispute may not be receiving the level of investigation required under federal law Under the Fair Credit Reporting Act, companies that furnish information to credit bureaus are required to ensure that the information they report is accurate and must conduct a meaningful investigation when a consumer disputes that information. The continued reporting of potentially inaccurate late payments is negatively impacting my credit profile and financial standing. I am requesting the following resolution : A full and proper investigation into the disputed late payments Verification of the accuracy of all reported delinquencies Removal of any late payments that can not be fully substantiated Correction of any servicing or payment application errors Accurate updates to all credit reporting agencies I am seeking a fair resolution and expect full compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
My servicer is not following the rules for loss mitigation / dual tracking ServiceMac recorded a Notice of Trustees Sale on XX/XX/XXXX while my loss-mitigation application was already officially marked complete in their Loan Solution Center portal on XX/XX/XXXX at XXXX XXXX ET. The Notice of Default was recorded on XX/XX/XXXX, so the XXXXday period did not expire until XX/XX/XXXX. The XXXX was therefore recorded prematurely ( on Day XXXX of the XXXX period ) and while a complete application was pending. This is a material dual-tracking violation under California Homeowner Bill of Rights XXXX and XXXX and federal RESPA XXXX XXXX XXXX. Even though XXXX XXXX XXXX ( a ) ( XXXX ) contains a narrow XXXX safe-harbor provision for recording a NOTS slightly early, that safe harbor does not override the separate and stricter prohibition on recording a NOTS once a complete loss-mitigation application has been received. ServiceMacs own letter dated XX/XX/XXXX ( attached ) explicitly acknowledges that my application is complete and that I am entitled to certain foreclosure protections. A ServiceMac representative today incorrectly claimed the protections only began on XX/XX/XXXX when the file was sent to underwriting ; this contradicts both the law and ServiceMacs own records. I sent a formal demand letter today ( attached ) demanding immediate rescission of the XX/XX/XXXX XX/XX/XXXXand cancellation of the XX/XX/XXXX auction. I am requesting that ServiceMac immediately rescind the defective Notice of Trustees Sale, cancel the XX/XX/XXXX auction date, and provide written confirmation of the rescission.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called Chime yesterday on a recorded line ask them I need to transfer money from external bank account, XXXX XXXX. They said it takes XXXX business days to get the money. They also told me I have XXXX bodiless day to cancel the transaction. Today I noticed money had left my XXXX XXXX account and after calling chime they told me the money ring be there till next Tuesday first they said tomorrow then after I saw The inconsistency and asked for supervised the supervisor said not it is there on Tuesday this bank has been misrepresent facts andXX/XX/XXXX to me on several occasions including this one. I asked them to cancel the transfer they said because it's coming from XXXX XXXX they are the one who have to cancel but after calling XXXX XXXX they told me it's incorrect because money was requested by chime they are the one who have to cancel it so all morning I have Been trying to ask XXXX to either make this money available today or by tomorrow like they initially had promised or reverse and cancel it but still they are not doing it they are making excuses please help I am Also looking to taking legal action against XXXX Bank who owns Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding a billing issue and failure to honor repeated reimbursement commitments on my XXXX credit card issued by Wells Fargo. In XX/XX/XXXX, my credit card autopay failed due to a technical error on the XXXX XXXX banks side. As a result, I missed a payment and was charged both a late fee and interest. I contacted Wells Fargo immediately upon noticing the issue. The late fee was promptly waived, and I was informed that the interest charges would also be fully reimbursed. I was told to wait one statement cycle for the adjustment to appear. After waiting one statement cycle, no reimbursement was issued. I contacted Wells Fargo again and was advised to wait another statement cycle. This pattern repeated multiple times, with representatives consistently assuring me that the full interest amount would be reimbursed. In late XX/XX/XXXX, I visited a local Wells Fargo branch. The branch manager personally assisted me and called customer support on my behalf. During that call, both the manager and I were told that the full interest amount would be reimbursed. Based on this confirmation, I again waited a full statement cycle, but no reimbursement was processed. I then escalated the issue through Wells Fargos complaint process. In late XX/XX/XXXX, I received a response stating that my complaint was partially approved, and I was credited {$50.00} out of the total {$83.00} in interest charges. The remainder was denied without sufficient explanation. I returned to the same branch, and the branch manager confirmed that he had heard the prior commitment for full reimbursement. He submitted a second escalation on my behalf in late XX/XX/XXXX, which was also denied. At this point, my concern is not only the remaining balance of {$33.00}, but also the repeated failure by Wells Fargo to honor clear and consistent commitments made by its representatives. I relied on these assurances and made multiple good-faith efforts over several months to resolve this issue through their internal processes

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I got a call from a man that ask for me by name. He said his name was from XXXXXXXX XXXX fraud department that someone was trying to take {$2800.00} out of my account I gave him last 4 of my social to prove I was who I said I was the man then asked for my husband I got him on the phone. The man told us that we could walk in to the bank and they would verify all information. We continued talking he told us that he needed to run a code XXXX on the account and had asked up to move the money else where and that the cards we had on file would then be shut off. He asked if we moved the money and we said yes I took money out and so did my husband. I transferred mine to my husband and the man gave him a temporary card and said we could transfer the money back into the account once we did the card came back to a XXXX XXXX XXXX and he hung up. I called the bank and filed a fraud claim with them and disputed the transactions with Cash App XXXX times they denied it ever time. I filed a report with the county and XXXX. I sent the bank a letter with everything that happened so did my husband along with all the reports. Cash App approved my claim threw the bank and is now making me pay back the money. The claim my husband has open is still being processed but can be denied. If Cash App accepts that claim then my husband will be made to pay back little over {$10000.00}. I called Cash App and they are telling me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Received a call from a XXXX XXXX XXXX ( XXXX ) XXXX from the CBB Inc. attempting to collect debt for XXXX accounts from hospital visits. I informed the debt collector I can not pay at this time, debt collector began asking why I had a credit card with a huge balance/credit limit and can not pay him, I told him that was not his business/or concern and he responded with, Im a debt collector I can look at your credit information I told him he was unprofessional and should be ashamed for asking questions that are not related to the debt he is collecting, his response was if you dont pay today I am marking your accounts as refusal to pay I told him I never said I refused to pay, I just can not pay the amount owed that hes pushing for. Harassing families over medical bills that were unexpected, bringing up other credit accounts that are not about the debt he is trying to collect is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a personalized offer from American Express to earn {$500.00} if I opened a new American Express XXXX XXXX Savings Account ( HYSA ) before XX/XX/XXXX, deposited {$25000.00} into the account, and maintained the balance for XXXX days. I followed the terms and conditions of the offer but did not receive the {$500.00} cash bonus. Below is a copy of the complete terms and conditions : To earn the cash bonus of {$500.00} you must : XXXX. Apply for a new XXXX account by XXXX pm ET on XX/XX/XXXX a. A " new '' account is an account for which you submit a completed application within the offer period and is subsequently approved by XXXX XXXX during or after the offer period ; b. Customers must apply using the credentials attached to the Card listed in the targeted offer. 2. Have XXXX or more deposits totaling at least {$25000.00} ( " Threshold Amount ) that are available to you in your new XXXX by XXXX pm XXXX within the first XXXX days of account opening. a. Only posted transactions ( credited and shown in Available balance ) will count towards your Threshold Amount. Please keep in mind that linking your external bank account to fund deposits to your XXXX can take up to XXXX ( XXXX ) business days. After your external bank account is linked to your new XXXX, transfers may experience a " Hold '' period of XXXX days until funds become " Available '', but the exact timing is dependent upon your external bank 's processing time b. Other methods of depositing funds may result in longer hold times. Please consult the American Express National Bank Consumer Deposit Account Agreement and Savings Schedules for specific funds availability timing. XXXX. The direct recipient must maintain the Threshold Amount, in available balance, every day, for a period of 60 days ( " Holding Period '' ). a. The Holding Period begins on the day that the Threshold Amount requirements are successfully met ; b. If, at the end of any business day ( XXXX pm ET ) during the Holding Period, the available balance in the XXXX is below the Threshold Amount, the XXXX will no longer be eligible for the cash bonus ; 4. Your XXXX must remain open and be in good standing until we award you your welcome bonus. If your XXXX account is closed prior to such time, you will not be eligible for the welcome bonus a. If we determine, in our sole discretion, that you have violated the Deposit Account Agreement and Savings Schedule or have engaged in abuse, misuse, or gaming in connection with your account, we may determine that you are not eligible for the bonus. In such circumstance, we may rescind or decline to award you the

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
To Whom This May Concern, I XXXX XXXX is submitting this complaint regarding Rent Recovery Solutions and their handling of my account. I was in communication with Rent Recovery Solutions ( XXXX XXXX ) about resolving an alleged debt, and during those discussions, they agreed to place my account on a payment plan {$230.00} monthly. Based on that agreement, I understood that my account would be handled accordingly and that I would be able to make payments under the agreed terms. However, the payment plan was never properly established or honored due to being told I would not receive clear confirmation, documentation, or consistent communication indicating that the account is in fact on a payment arrangement as discussed.This lack of clarity has caused confusion and concern about how to move forward with resolving this debt and whether it is being reported or handled correctly. I am requesting that Rent Recovery Solutions : Provide written confirmation of any payments made on my account. Supply all documentation related to the terms of the agreement. Correct any errors if the agreed-upon payment plan was not properly implemented. I believe consumers have the right to clear, accurate, and transparent communication regarding debt collection and repayment agreements. I am seeking resolution and proper documentation to ensure this matter is handled fairly. Thank you for your attention to this issue.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX transmitted an XXXX payoff of {$12000.00} to Wells Fargo to satisfy an auto loan in full as part of a total loss insurance settlement. Payment was sent via XXXX Transfer # XXXX, Invoice # XXXX, Routing Number XXXX, Account ending XXXX through XXXXXXXX XXXX lienholder portal. As of XX/XX/year> XXXX days later Wells Fargo has been unable to confirm receipt of this payment or confirm that the loan account has been closed. When I contacted Wells Fargo 's lien release department, the representative stated she could not access back office records and transferred me to XXXX coverage, which is entirely unrelated to this matter. I have documentation from XXXX confirming the payment was transmitted on XX/XX/year>. The vehicle has already been surrendered as a total loss. There is no dispute about the payoff amount. Wells Fargo has failed to locate, process, and confirm a payment they have already received and has failed to close the loan account and confirm a XXXX balance.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was sent a notice at an address that I did NOT GIVE TO THE COMPANY AS A WAY TO CONTACT ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue : Unauthorized electronic transfers/ XXXX fraud I am filing a complaint against Chase Bank regarding repeated unauthorized XXXX transactions that have not been reimbursed. Within the past XXXX months, my account has been used to send XXXX unauthorized XXXX payments, including a {$1000.00} transfer in the most recent incident. I did not authorize these transactions and did not knowingly provide access to my account. Chase Bank has denied my claims, stating that the transactions came from my device. However, I dispute this conclusion. The repeated nature of these incidents strongly indicates an account takeover, compromised credentials, or a security failure. These transactions should be classified as UNAUTHORIZED electronic fund transfers under Regulation E. Chase has failed to properly investigate and continues to deny reimbursement. I have taken the following step s : Reported the fraud to Chase multiple times Filed a police report Secured my accounts and devices Despite this, the fraudulent activity has continued, and Chase has not provided a resolution. I am requesting : Reimbursement of all unauthorized XXXX transactions A full investigation into how my account was accessed Written documentation of their findings Assurance that my account is secure I believe Chase is improperly classifying these transactions as authorized to avoid liability, despite clear evidence of ongoing unauthorized access. This situation has caused financial loss and significant distress. I am requesting immediate regulatory review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Law office send notice of debt. I sent validation request and was suited XXXX days later after letter sent. Law office refused to produce all information from validation, discovery, good faith limited discovery and identity attribution. Only responses resived was refusal to produce. Also citing adjournment at the same time of refusing to procced citing discovery. I have trail packet prepared upon further request. Also attached a snapshot for your records and information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payactiv, Inc.
State: TX

Complaint narrative:
On XX/XX/year> someone remotely used my card to make a purchase at XXXX # XXXX for XXXX. I called PayactivXXXX XX/XX/year> and let them know about the fraudulent activities and they told me not to use the card anymore and that they would look into the incident. And on XXXX XXXX they told me they found no fraud and that they would not be returning my money to me. And so I called and emailed them again and asked how did they reach this conclusion. And I was told because no one tried to use my card again that it must have been me cause I knew the card had been deactivated. To which I explained to them I would have not reported it if it was my purchase I could have simply returned the item '' that I have no idea what it is '' to XXXX XXXX and got my money back. And the day I found out I was paying a bill and that's how I found out that the card had been used because I had that specific bill coming out of my pay day card only. Cause when I get paid my lawyer gets paid.

Company response to consumer: Closed with explanation