vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, unauthorized debit card transactions totaling {$5600.00} were made on my Wells Fargo checking account. The charges were for Off the XXXX XXXX XXXX in Florida, while I reside in Pennsylvania and did not authorize, attend, participate in, or benefit from any of these transactions. 

I discovered the fraud and reported it to Wells Fargo on XX/XX/XXXX, and I also filed a police report. Despite reporting promptly, Wells Fargo did not provide any provisional credit, did not contact me for follow-up, and did not meaningfully investigate with my participation. 

Instead, I later received a denial letter stating the claim was denied because the shipping address matched my home address and that no further charges occurred after my card was closed. These are not valid bases for denial. The transactions were for digital tickets, not physical shipments, and a police investigator confirmed the purchases were associated with another individuals email address and resale activity, showing I did not receive or benefit from them.

Under the Electronic Fund Transfer Act ( Regulation E ), these were unauthorized electronic fund transfers. Wells Fargo failed to meet its obligations to properly investigate, provisionally credit, communicate, and reimburse unauthorized debit card transactions. The burden is on the bank to prove authorization, which Wells Fargo has not done.

I am requesting that Wells Fargo reverse its improper denial and reimburse the full {$5600.00} and correct its failure to comply with Regulation E.

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 2026-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: LA

Complaint narrative:
We signed up for JG Wentworths services in XXXX The premise was they were going to contact all our creditors and to stop making payments to them. Since then, after stopping payment to the creditors, we have been sued by XXXX creditors. JG Wentworth did not contact them and the creditors just thought we stopped paying them. Now we are trying to contact all of our creditors to ensure we do not get sued by anyone else. This is a big mess that could have been avoided if JG Wentworth did what we signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FirstKey Holdings, LLC
State: MD

Complaint narrative:
I am in receipt of the promissory note that was provided ; however, the document does not reflect or evidence any transfer or assignment of the loan from XXXX  XXXX XXXX to XXXX XXXX XXXX XXXX, which is identified as the current claimed loan owner and holder. 

I am formally requesting the following documentation from XXXX XXXX XXXX XXXX, or its authorized servicer, to substantiate its authority and standing with respect to this loan, I am requesting XXXX things : XXXX. Promissory Note since it was transferred to include : Endorsements, or Reference to assignments/allonges. By itself, a promissory note does NOT prove current ownership unless properly endorsed or tied to transfer documents. 
XXXX. Assignment or Transfer Agreement. Written document showing the loan was sold or assigned. Identifying : Transferor ( seller ), Transferee ( buyer/current owner ), Effective date of transfer. Assignment of Loan, Loan Sale Agreement, and Transfer and Assumption Agreement XXXX. Bill of Sale / Purchase Agreement. Evidence the loan was included in a pool or portfolio sale. Must clearly reference : The specific loan, or A schedule or loan number list that includes your loan XXXX. Chain of Title Documentation. A complete record of each transfer from the original lender to the current owner. No gaps allowed. Each transfer must be supported by documentation.

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 2026-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I am filing this complaint regarding damage to my vehicle, loss of personal property, and improper conduct that occurred during and after the repossession of my vehicle by agents acting on XXXX XXXX Santander Consumer USA. 

After repossession, I discovered the following issues : Unauthorized tracking device ( XXXX ) : An XXXX XXXX was placed inside the passenger-side window area of my vehicle during repossession or auction handling. I recorded a video showing the XXXX and its removal and provided this evidence to Santander. The placement of a tracking device inside the vehicle without my consent raises serious privacy and safety concerns. 

Loss of personal property : My personal belongings inside the vehicle were discarded by the auction facility, despite my intention to retrieve them. I was not notified, given an opportunity to collect my belongings, nor did I authorize their disposal. 

Physical damage to the vehicle : When the vehicle was returned/recovered, it was making a loud abnormal noise caused by damage underneath the car that did not exist prior to repossession. This damage is consistent with improper handling, transport, or storage by the repossession or auction agents. 

Santander denied my claim ( Reference # XXXX ), stating there was a lack of evidence linking the damage to the repossession. This conclusion is incorrect. I provided video evidence, a clear timeline, and documentation directly linking these issues to the repossession and auction process. 

Repossession agents and auction facilities act on behalf of the lender. Damage, loss of personal property, or unauthorized conduct occurring during that process remains the responsibility of Santander Consumer USA and its contractors. 

Santander closed the case without providing a meaningful explanation of : What evidence was reviewed Why my video evidence was dismissed How the XXXX placement and disposal of personal belongings were deemed unrelated to repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: MI

Complaint narrative:
I can not log in on the way2go website or the app. I do not know why neither is working on my phone. They havent answered my call and Ive been on hold over XXXX XXXX. I need to pay a bill that is due TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I am following up on my CFPB complaint regarding Exeter because the dispute remains unresolved and the harm continues to escalate. 

I am not refusing payment. I am disputing the contract. I have repeatedly requested a complete copy of the signed retail installment contract and final loan terms and still have not received them. Until the contract is produced, I can not review or accept the loan. 

I still do not have access to my Exeter loan account. Exeter has refused to provide account access and has declined to accept or review documentation I have submitted in support of this dispute. 

My original lienholder confirmed that the loan was closed as a direct result of the XXXX settlement and could not be used to refinance a replacement vehicle. However, they placed all payments and delinquency reporting on hold until the matter is resolved. 

Exeter has stated that they have no involvement in the total loss determination. Despite this, they initiated repossession activity while the loan remains disputed, the contract has not been produced, and I do not have account access. 

Exeter has also stated that they take full ownership of the vehicle. However, when I disputed dealership errors and provided documentation, Exeter refused to address the issues and instructed me to take the matter up with the dealership. 

I offered to take on the negative equity created by the unauthorized settlement in order to secure a replacement vehicle and resolve the matter. That request was denied.

I also requested reasonable disability accommodation related to communication and documentation, and that request was denied.

As a result of these actions, I went from owning a vehicle outright to having two unauthorized auto loans. One loan was closed without my consent due to the insurance settlement. The second has been disputed since the beginning due to lack of contract access and authorization. My vehicle is now in a repossession status despite the active dispute. 

I went from owning approximately XXXX XXXX dollars in vehicle assets to carrying approximately XXXX XXXX dollars in disputed auto debt, with no ability to secure transportation or obtain a replacement vehicle. 

Despite all of this, Exeter has continued negative credit reporting and collection activity. 

I am requesting CFPB assistance to require immediate production of the contract, restoration of account access, suspension of repossession and reporting during the active dispute, correction of inaccurate credit reporting, and appropriate resolution of this matter. 

Thank you for your continued review. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/XXXX XXXX is charging predatory fees and interest that make it impossible to pay down the principal. They charge about XXXX late fee every month even though my husband calls on the due date to make the payment. They also charge about XXXX in interest each month. The minimum payment requirement is {$39.00} per month. I will never pay this off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
For the past 6 months I have paid on my CitiBank XXXX XXXX card. Each month the account would come back with a late fee. I would call every month to have this situation resolved. Every month the same problem. Pay the late fees and they said they fixed the problem. Month after month until after this month 's on time payment with this months payment and last months payment ( which it does look like I missed on my end ). They decided to send a letter closing my account. I do not have this problem with any other of my collectors. I keep a very good credit score. When asking for a supervisor, I was directed to a person that I could not understand. I asked politely to please speak to someone else that I could properly understand. I was not rude, just simply stated that we can not reach a resolution if I could not communicate with her. She continued to say what I understood to be, " I am the manager. '' Everyone has a boss. She would not get me to her supervisor. It is unacceptable that I could not communicate with someone and get a resolution. I work hard for my credit score and I had to call them every month because of issues with them and them continuing to tell me they corrected the problem. Now they have affected my credit score and I can't a competent resolution through CitiBank. 

Thank you

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 2026-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: IA

Complaint narrative:
Deceptive Mortgage Solicitation Misrepresenting Economic Status and Funding Amount I received a letter that appears to be an official funding or economicstatus notice. It states that my economic status has changed and assigns a new funding amount of {$1800.00}. The letter claims that I have an updated status and that I could qualify for more funding if I call. 
The company identity is hidden in extremely small print at the bottom, and the letter falsely implies a change in my financial status. This violates the FTC Mortgage Acts and Practices Rule ( Regulation XXXX ), Truth in Lending Act advertising rules ( Regulation Z ), and SAFE Act identification requirements. If this was based on prescreened credit data, it also violates FCRA requirements for firm offers of credit. 
The letter is highly deceptive and misrepresents loan qualification, funding amounts, and my economic status. It is designed to look like an official notice rather than a marketing solicitation. 
I am requesting investigation into : Misrepresentation of loan terms Misrepresentation of consumer economic status Misuse of funding amount terminology Failure to clearly disclose advertiser identity Possible misuse of prescreened/triggerlead data Deceptive formatting intended to appear as an official notice I have attached an image of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have an open fraud dispute regarding an unauthorized debit card transaction. I also have an active complaint already filed regarding the transaction itself. This new complaint concerns the banks failure to properly investigate and provide required documentation. 

TD Bank has contacted me by phone but has not provided any written explanation, denial, or investigation results. They have not uploaded documentation to the CFPB portal or provided merchant verification. They are attempting to handle this matter off-record by phone instead of providing formal written findings. 

The bank claims I made a purchase at XXXX over XXXX days prior and that the merchant charged my account later. The merchant has stated this transaction does not appear in their system. Despite this, the bank has not provided proof of purchase, a signed receipt, merchant transaction log, or any documentation supporting their position. 

I have requested documentation and formal findings in writing. The bank has not complied. I am formally requesting that TD Bank provide all documentation used in their investigation, including merchant verification, transaction records, and the basis for their claim that this transaction was authorized. 

I also do not consent to resolving this matter solely by phone and request written communication only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
XXXX Mortgage is advertising materially false mortgage payment terms. The advertisement states that a Principal and Interest of {$1200.00} is based on a {$400000.00} loan with a XXXX fixed rate at 6.375 % interest / 6.443 % APR. As disclosed, this combination of loan amount, rate/APR, and term is mathematically impossible : a {$400000.00} loan amortized over 30 years at approximately 6.4 % necessarily produces a monthly principal and interest payment of approximately {$2500.00}, not {$1200.00}. The additional information confirms the same loan amount, rate, APR, and term, and does not disclose any alternative structure ( e.g., interest-only, teaser payment, different loan amount, or extended term ) that could reconcile the stated payment. Because the disclosed APR and loan terms can not produce the advertised payment, the advertisement is internally inconsistent and objectively false, constituting a materially misleading mortgage advertisement under applicable federal and Maryland consumer protection and mortgage lending regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX charged my account for the amount of {$680.00}. 

I did not make any purchase with XXXX, and I did not receive any notifications related to the transaction from Apple Card ( Goldman Sachs ). 

On XX/XX/XXXX, an automatic payment was processed for the amount of {$730.00}. This is when I first found out about the transaction from XXXX. When I found out about the fraudulent transaction, I immediately reached out to Apple Card Customer Service to open up disputeXX/XX/XXXX XXXX. 

On XX/XX/XXXX, I received notification that dispute XX/XX/XXXXXXXX had been closed and the disputed amount would remain on my account. 

On XX/XX/XXXX, I reached out to Apple Card ( Goldman Sachs ) customer service again to ask why the dispute had been closed and why the decision had been made. I was told that the resolution was that the transaction had been " Approved ''. I told them that was incorrect and that the transaction was NOT approved by me. The agent reopened the dispute and advised me to contact XXXX. 

I contacted XXXX and was told that they could not help me because I do not have an account with them. They used my name, email and phone number to try to locate an account but could not locate XXXX. After that I reached out to Goldman Sachs again and told them to provide the evidence that I had approved the transaction since they claimed XXXX had told them I approved the purchase. They did not provide that information. 

The dispute was closed again on XX/XX/XXXX. I reached out to Goldman Sachs again and reopened the dispute. Asked for it to be escalated and requested the documents again. 

On XX/XX/XXXX I called again and I was told that the dispute had been opened and closed on the same day it was opened ( XX/XX/XXXX ). I am still waiting for the requested documents and neither Goldman Sachs nor XXXX will provide me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I leased jewelry from a merchant on XXXX. The merchant repeatedly told me to remind him to ship the item. On the XXXX day, my messages stopped going through and I could no longer contact him. I contacted Acima Leasing, who said they would give the merchant 30 days to respond before I could cancel the lease. I want the lease canceled immediately because the merchant has not shipped the item and is unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management , Inc.s continued attempts to collect an alleged credit card debt after failing to provide proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent Midland Credit Management a written dispute and request for debt validation pursuant to 15 U.S.C. 1692g. In that letter, I disputed the debt in its entirety, requested proof of ownership and standing, and notified Midland that the alleged debt is time-barred under Florida law XXXX 

On or about XX/XX/year>, Midland Credit Management responded. However, their response did not constitute proper validation. Midland failed to provide a signed contract or application, a complete and authenticated chain of title, or proof that they own the debt or have legal authority to collect it. Instead, they provided only computer-generated account summaries and billing statements, which are insufficient to establish liability or ownership. 

Despite failing to properly validate the debt, Midland continues collection activity and has not clearly disclosed that the alleged debt is time-barred or that they can not sue to collect it. This constitutes continued collection of an unvalidated and disputed debt, as well as misleading and unfair practices.

Midlands actions violate the FDCPA, including 15 U.S.C. 1692g, 1692e, and 1692f, and applicable federal regulations governing time-barred debt disclosures. I am requesting that Midland cease all collection activity, correct or delete any related credit reporting, and provide written confirmation that the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My mortgage was transferred to Mr. Cooper. 
I have been unable to locate my loan online or by phone. 
Because of this issue, I have not been able to make my mortgage payment. 
I contacted customer service, but the issue is still unresolved. 
I am requesting immediate assistance to locate my loan and ensure I am not marked late due to this servicing transfer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One restricted my account for alleged unusual activity I tried several times to go through their verification process but it continuously failed, I later received an official letter from Capital One stating that the account had been closed. 
Despite confirming that the account is closed, Capital One is still holding the funds that were in the account at the time of closure. 
I have attempted to contact Capital One to request the release and return of my funds, but they have not returned my money or provided a satisfactory explanation for the delay. 

Capital One has closed my account but is continuing to hold my funds with no clear timeline or justification. This is causing financial hardship and preventing me from accessing money that rightfully belongs to me. I have attached my ID and benefit letter from Social security, which is where the money originates. The letter received from Capital one 3 times which is the same form letter.

Company response to consumer: Closed with explanation