vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft, and several accounts appearing on my XXXX credit report do not belong to me. I submitted a formal identity theft report, proof of identity, and all required documentation under FCRA 605B. Despite this, XXXX  continues to report these fraudulent items. They have repeatedly denied my disputes and marked the information as verified without conducting a proper investigation. Their actions show a clear failure to follow FCRA procedures, including their obligation to block identitytheftrelated information within four business days after receiving the required documents.XXXX  is violating the FCRA and my rights as a consumer. I am requesting the CFPBs assistance to ensure XXXX  complies with FCRA 605B, removes all fraudulent information, and corrects my credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: TX

Complaint narrative:
Description of What Happened : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, three unauthorized transactions totaling {$35000.00} were posted to my Citi credit card ending in XXXX. The charges were : {$10000.00} on XX/XX/XXXX {$12000.00} on XX/XX/XXXX {$12000.00} on XX/XX/XXXX All transactions were processed by XXXX XXXX XXXX XXXX XXXX CA, a merchant with which I have no relationship. 

I was traveling abroad from XX/XX/XXXX to XX/XX/XXXX and did not authorize these charges. During this time, I received alerts from Citi indicating that similar transactions had been declined, which confirms suspicious activity. 
On XX/XX/XXXX, after returning to the U.S., I contacted Citi Banks Fraud Department to report and dispute these charges. During this call, I discovered two unauthorized payments from my checking account toward this credit card via phone : {$11000.00} {$12000.00} Total : {$23000.00} I immediately requested refunds from Citi and my bank. Citi issued a credit refund on XX/XX/XXXX, and the amount was deposited back into my checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from Citi stating that the dispute was resolved and marked as Customer Responsible. On XX/XX/XXXX, I called Citis Dispute Department to contest this decision. I was told that a call on XX/XX/XXXX allegedly accepted all three charges. I did not make any such call and requested the dispute be reopened immediately. 
Despite my repeated efforts, Citi has not provided a satisfactory resolution or explanation for these fraudulent transactions and the unauthorized phone payments. I am requesting a full investigation into : The fraudulent charges totaling {$35000.00} The alleged XX/XX/XXXX call that I did not make. 

I am seeking confirmation that I am not responsible for these charges and that Citi will take appropriate action to prevent further 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 monetary relief
Consumer complaint received 2026-01-13 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
This relates to and a continuation of the following submitted complaints. 
XXXX and XXXX They have not responded correctly to our XXXX, and this is a request for additional information which will prove they did not respond correctly, They have not researched the TaxDelinquency Documentation, they have not properly Verification of PropertyTax Deferral Status. 
They sent us check which got returned. We were charged a fee. 
This is all happened within the last month and XXXX half. 
. TaxDelinquency Documentation A complete copy of any and all letters, notices, billing statements, tax delinquency notices, or other documents issued by the XXXX XXXX XXXX XXXX, or any XXXX  XXXX indicating or alleging that property taxes on the abovereferenced property were delinquent. 

This includes documents showing : The amount claimed to be due The period of delinquency Any communication Shellpoint received, generated, or relied upon in determining that taxes were delinquent XXXX. XXXX of XXXX XXXX XXXX A copy of the most recent verification conducted by Shellpoint regarding whether the property is enrolled in a XXXX  deferral program. 

This request includes : Documentation showing the date Shellpoint last checked for a taxdeferral status Proof or confirmation indicating whether a taxdeferral was approved, denied, active, or inactive Any thirdparty records Shellpoint relied upon in making this determination XXXX. ReturnedCheck Documentation Documentation related to the check issued by Shellpoint that we deposited and that was subsequently returned by your bank. 

This request includes : Proof of the returnedcheck event Any internal or thirdparty records showing why the check was returned Documentation showing any fees assessed as a result of the returned check Any communication from Shellpoint requesting proof of the fee charged or relating to this incident

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of my XXXX credit card account and their unauthorized attempt to withdraw funds from my bank account after I entered into a hardship agreement with them. 

On XX/XX/XXXX, I contacted Capital One to notify them that I was experiencing financial hardship. During that call, Capital One and I reached a hardship agreement under which I would make manual monthly payments of {$120.00} while I worked to stabilize my finances. These payments were explicitly agreed to be manual and not automatic, because my standard minimum payment exceeded {$1000.00} and was not affordable. 

During that same call, Capital Ones representative manually turned off AutoPay on my account while I was on the phone. This action is reflected in their call recording and demonstrates that Capital One had both the ability and the authority to control my AutoPay status. The purpose of disabling AutoPay was to prevent Capital One from attempting to withdraw the unaffordable minimum payment and to allow me to make the agreed-upon {$120.00} manual payments instead. I relied on this agreement and never reauthorized AutoPay after that date. 

However, on XX/XX/XXXX, I received an email from Capital One stating that an automatic payment of {$200.00} was scheduled and that my minimum payment due was {$1100.00}, instructing me to make an additional payment of {$920.00} to avoid delinquency. This email proves that AutoPay had been reactivated without my knowledge or consent.

Capital One had previously manually turned AutoPay off, yet it was manually turned back on sometime before XX/XX/XXXX, without my authorization. I did not request this. I did not consent to this. I did not approve any automatic withdrawals. Capital One re-enabled AutoPay on its own and attempted to collect an amount that directly violates the hardship agreement we reached.

This constitutes an unauthorized electronic funds transfer, a breach of the hardship agreement, and an unfair and deceptive practice under federal consumer protection law. Capital One knew I was in financial hardship, knew AutoPay had been disabled for that reason, and then reactivated it anyway to attempt to extract over {$1100.00} from my account. 

I am requesting that the CFPB require Capital One to : -Immediately confirm that AutoPay is disabled -Reverse any unauthorized payment attempts -Honor the hardship agreement made on XX/XX/XXXX -Correct any account and credit reporting errors caused by this action -Provide a written explanation for why AutoPay was reactivated without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My auto loan account XXXX XXXX XXXXXXXX ] was charged off in XX/XX/year>. I still have the vehicle securing this loan. I requested full debt validation and accounting from the creditor, including the original contract, payment history, and balance calculation, but the creditor refused to provide any documents. 
Despite their refusal, the creditor continues to report this account as accurate to credit bureaus, which is negatively affecting my credit and could put me at risk of repossession. 
I request that the CFPB require the creditor to : XXXX. Provide full debt validation and accounting ; XXXX. Correct or remove any inaccurate reporting to XXXX  credit bureaus ; XXXX. Ensure my vehicle is not unlawfully repossessed. 
I do not have copies of my original request, but I submitted it in writing and its been more than XXXX  day but the creditor refused to provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I am submitting this complaint to formally dispute improper late and NSF fees being repeatedly assessed and shown as unpaid on my auto loan account despite having made payments specifically allocated to those fees. 

On XX/XX/XXXX, I made payments through the lenders online payment portal. After speaking to a Westlake representative days prior. The system allowed me to select and apply my payment directly to the late fee and NSF fee shown as due. I completed the payment as instructed and have screenshots and payment confirmations showing that these fees were selected and paid.

Despite this, the lender continues to show the same late fee ( {$60.00} ) and NSF fee ( {$75.00} ) as outstanding, as if they were never paid. This issue has occurred multiple times in the last few month 's indicating a recurring failure in how payments are applied or how fees are assessed.

Why this is a problem Fees that have already been paid are being reposted or shown as unpaid The lenders system allows allocation of payments to fees but fails to apply them correctly This results in duplicate or improper fee charges My account balance and payment status are being misrepresented There is potential harm to my credit and financial standing This may constitute unfair or deceptive acts or practices ( UDAAP ) under federal consumer protection law Per my loan agreement, late and NSF fees are clearly defined and limited, and I do not agree to repeated or duplicate assessments of the same fees. 

Steps Ive already taken I made payments through the lenders approved online system I contacted the lender directly to dispute the fees The issue remains unresolved and continues to reoccur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
On the XXXX of XXXX XXXX made a withdrawal from an app ( XXXX ) They paid XXXX USD on XXXX of XX/XX/year> but it was not received. I contacted the XXXX banking app which is XXXX formerly XXXX and they said they didn't receive the money. I contacted XXXX app for a payment receipt and I saw I miswrote XXXX number but every other details has my information.I asked XXXX app to initiate a refund, they said the bank requested for XXXXXXXX XXXX  before they can proceed, I paid but after some days, they wrote me back that the Bank rejected the refund without any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am disputing a Retail Installment Sales Contract serviced by Hyundai Capital America d/b/a Kia Finance America. 

I did not agree to the APR or total of payments reflected in the contract. The total obligation exceeds {$60000.00}, which was not disclosed to me prior to delivery and would have prevented me from proceeding. 

The contract reflects a {$5000.00} down payment that was never made. This materially affects the accuracy of the Truth-in-Lending disclosures.

I also dispute that I executed the Retail Installment Sales Contract reflecting these terms. I did not see or sign that specific document, and any signature appearing on it is not mine.

Additionally, an extended warranty/service contract was added without my consent. I authorized GAP coverage only.

These issues constitute inaccurate TILA disclosures and lack of consumer consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Date : XX/XX/XXXX Evidence Index for CFPB Complaint Against Wells Fargo Bank , N.A . {$980.00} Unauthorized Withdrawal The following documents are being submitted to support my complaint regarding the unauthorized withdrawal of {$980.00} from my Wells Fargo account on XX/XX/XXXX : Wells Fargo Bank Statement Shows the {$980.00} transaction labeled as a money transfer adjustment initiated by Wells Fargo. 

XXXX XXXX Statements Demonstrates that I never received or accepted the {$980.00} from Wells Fargo. 

Correspondence with Wells Fargo ( if any ) Records of emails, letters, or call logs documenting my dispute of the unauthorized withdrawal. 

Note : These documents substantiate my claim that the withdrawal was unauthorized and that Wells Fargo failed to provide any valid justification or proof of authorization. I am requesting a paper check for {$980.00}, as I no longer maintain a checking account with Wells Fargo and can not receive funds by account credit. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
2024. I was needing to move in a hurry because I was being flooded out of the place. I was reading my stuff was being ruined in the closets from the flood every time it rained and I seen this on the website which I XXXX  read the reviews on high interest rates XXXX  high interest rate is almost XXXX and now XXXX stuck. Its been a little over a year and I XXXX  even pay it off. Its a {$500.00} loan and XXXX  paid them {$2000.00}. XXXX  had so many complaints. Advanced financial XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
I have submitted a XXXX application on XX/XX/year> that has passed it's legal XXXX business day review. I have not heard back and without this decision, I may overpay by XXXX  of dollars in order to reach forgiveness. Overpayment would put my family in financial distress.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I was recently banned from Cash App and they said for gambling but i do not gamble and my appeal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened a Citi XXXX XXXX card for the XXXX 0 % balance transfer offer. I set up a transfer from my XXXX XXXX ( XXXX XXXX ) during approval. It was accepted along with the application, and I received my card roughly XXXX  days later. Upon activating the card, the balance transfer was still showing as " pending. '' Fast forward to XXXX log into my Citi app while traveling XXXX check the status of the balance transfer. Not only do I find the transfer has disappeared, but there's an inexplicable security lock on my account preventing full access. The option to request any additional balance transfers is also gone. I'm supposed to have access to XXXX balance transfers within the XXXX  XXXX  months. 

Addressing the security issue XXXX, I called Citi and they said I needed to verify my identity with another Citi credit card number. I don't have another Citi card. They asked for other credit card numbers to verify who I was. I gave them XXXX different cards, including the one used for the transfer, but they wouldn't lift the restriction. This was after I already provided secret word answers and other security verification responses. 

I asked to be transferred to a supervisor, and a few minutes into the discussion, the call got disconnected. When I called back, they said because the supervisor call dropped, they couldn't help me over the phone anymore. I'd have to wait XXXX business days for a letter in the mail. They wouldn't tell me why my account was restricted and wouldn't let me try to verify again. 

I escalated things myself and left a voicemail with Citi 's XXXX XXXX team. Never heard back. 

When I finally got into my account at home, I saw the original balance transfer showed as " DECLINED. '' I called the Citi XXXX XXXX number myself yesterday ( XX/XX/XXXX ) and spoke to a frontline rep. I was told a member of the XXXX team would call me back. They never did. 

After doing more research, I found out that XXXX XXXX doesn't accept balance transfers. Citi let me set it up anyway and never told me it wouldn't work. This has apparently happened to other customers before. 

Now I'm paying interest on my XXXX XXXX balance that was supposed to be at 0 %. I took a XXXX  inquiry for a card I haven't been able to use. A strategically beneficial financial decision has been paid for but not delivered.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
In XX/XX/year>, my account with E * TRADE / Morgan Stanley was restricted following routine account activity, resulting in a complete loss of access to my funds. 

After the account was opened and funded, I linked an external financial account for standard XXXX functionality. Shortly after this linkage, my account was flagged and restricted. 

Critically, I had just switched my Social Security XXXX benefits to direct deposit into this account. As a result of the restriction, I am now unable to access my XXXX income, which is my primary means of support. 

I am a XXXX individual with a XXXX XXXX appointment in early XX/XX/year> related to continued eligibility for XXXX benefits. Failure to attend this appointment would jeopardize my income and medical care. 

I immediately contacted customer service and fully cooperated with all verification requests, including providing bank statements and proof of income. I have not been accused of fraud, no unauthorized transactions have occurred, and all activity was initiated by me. 

Despite this cooperation, my account remains restricted, and I currently have no access to my XXXX benefits or essential living funds, creating an urgent medical and financial hardship. 

I am requesting regulatory assistance to ensure this matter is escalated and resolved promptly, as continued delay poses a serious risk to my health and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year>, a transaction of made in the amount of {$1800.00} to a merchant. The merchant did not provide the service, and I notified Wells Fargo to file a claim to recoup the funds from the merchant. Wells Fargo, from experience, do not investigate the claims, but in return states that it was no error found, even when documents are submitted to support the claim.

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