vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Beginning in XXXX of last year, Wells Fargo XXXX XXXX began charging recurring PCI non-compliance fees to my merchant account. These fees continued monthly. 

I was not effectively notified that my account was considered non-compliant or that recurring PCI fees were being assessed. I did not receive any clear or actionable email notice, and the merchant portal does not clearly surface compliance issues or provide reliable guidance to resolve them. 

I contacted Wells Fargo XXXX XXXX today and was informed for the first time that the issue was related to an incorrect address on file. I corrected the address immediately once this was disclosed. Wells Fargo issued a refund for XXXX months of fees, however the charges began in XXXX of last year, and no explanation was provided for limiting the refund period. 

Additionally, the PCI compliance and scanning website used by Wells Fargo is not intuitive and contains technical issues that make certification and scanning difficult. The process includes confusing navigation, unclear instructions, and system behavior that creates unnecessary barriers to completing compliance, contributing to the continued billing. 

I acted promptly and in good faith once the issue was clearly communicated. The ongoing fees from XXXX of last year forward were the result of lack of effective notice and system/process failures, not refusal or neglect on my part. 

XXXX requested : Refund of all PCI non-compliance fees charged from XXXX of last year, not only the XXXX months already credited. 

Written confirmation that the PCI fee has been removed going forward and that the account is compliant. 

Written explanation and evidence of any notifications Wells Fargo claims were provided, including the method and timing of delivery.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Citizens Bank regarding the improper closure of my business credit card account and unauthorized interest charges. 
Account Details : Product : Business Credit Card Account Opened : XX/XX/XXXX Promotional Offer : XXXX 0 % XXXX introductory rate Summary of Issues : Unexpected Interest Charges : In XX/XX/XXXX, I noticed my autopay withdrawal was significantly higher than expected. Upon reviewing my statement through the XXXX XXXX XXXX XXXX ( which I had difficulty accessing ), I discovered I had been charged interestdespite being within my XXXX 0 % XXXX promotional period. 
Account Closure Without Notice : When I contacted Citizens Bank to inquire about the interest charges, I was informed that my account had been closed approximately XXXX months prior. I received no written notification of this closure, nor did I receive any statements in the mail during this period. 
Inadequate Explanation : The reason provided for the closure was " adverse action. '' However, I have no negative marks on either my personal or business credit reports. In fact, both reflect excellent credit standing. No documentation or specific justification has been provided for this decision. 
XXXX Customer Service : I made multiple calls to Citizens Bank attempting to resolve this matter. During my first call, a representative opened a ticket and indicated someone would contact me. During my second call, I was simply informed the account was closed. No one has been able to adequately explain the situation or provide a resolution. 

Timeline : XX/XX/XXXX : Account opened with XXXX 0 % XXXX promotional offer Approximately XX/XX/XXXX : Account allegedly closed ( no notice received ) XX/XX/XXXX : Discovered higher autopay charge ; learned account was closed and interest was applied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Enium Capital Group LLC
State: VA

Complaint narrative:
I was a victim of fraud and a XXXX XXXX  with XXXX XXXX used me and my daughters information to apply for a home improvement loan with Enium Capital Group LLCXXXX XXXX XXXX and had no knowledge of it. We did not sign any paperwork, XXXX XXXX  stated that he was signing us up for the free program, which we then learned he signed loan docs and credit union application to become a member of XXXX  XXXX XXXX XXXX. We are victim of Solar Panel Scam. He mentioned that the panel are free because of the government program that was happening in my area. I did not agree to a loan nor did I receive any disclosure stating that this was a loan. He did everything on his tablet. We were misled and taking advantage of. Attached you will find a XXXX  XXXX XXXX application with the wrong info ( mothers maiden name ) and a signature that is not my signature. You will also find a conversion with XXXX XXXX and a potential client of him acknowledging that he tell clients about a free government program to mislead and use this as a way to sell solar panels. He also mentioned to me about $ XXXX tax credit that the government is giving to those who sign up the the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
The company is Paypal. A dispute was taken out against me by another Paypal customer. This was resolved in my favour, but Paypal took all the money out of my account without my permission.They gave me no reason for doing this. The money was gone for a week. 
I had been resolving the other customers complaint with the help of XXXX, and we had actually reached agreement before the customer laid the complaint with Paypal. 
I can provide all emails with XXXX. 
Also a file of my conversations with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I submitted online and called my mortgage lender ( Newrez ) to request for my PMI to be removed back around XXXX of XXXX. 
I had called multiple times for updates every month requesting updates and no one could help me. I just recently ( first week of the new year XXXX ) called again and was told by a customer service agent that my request was denied. The lender never notified me by email, paper mail or a phone call. They also never requested me to do a reappraisal, considering my thought was that may have been a reasoning and I would be willing to do since my loan was sold over to them from my local credit union soon after we closed on the house. I asked XXXXwhy it was denied and they could not give me an accurate answer. I asked to speak with the Departmant that handles PMI and the lady on the phone told me they dont take phone calls or have a contact ( phone or email ) that I can reach out to to back up my reasonings why it should be removed I will start off with saying that My house was was originally appraised for {$470000.00} by a certified appraiser back in XXXX of XXXX. Me and my wife currently only owe around $ XXXX on the mortgage which has us hovering right around 20 % of the loan paid off. according to data collected in our state county, on average homes goes up in value 3-5 % which would put our mkt value of our home well over {$480000.00}. I have also done about {$4000.00} in home updates which should also support my disagreement with them. Between not communicating with me, or giving me notice or reasoning I truly believe they are making it difficult on purpose because of greed. I have never missed or been late on a payment and me and my wife just had a XXXX  and even a few XXXX dollars a month saved helps us a lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PRONTO FINANCE INC.
State: GA

Complaint narrative:
First and foremost I have the title to my car and there is no lien or lien holders listed at all. Back in XXXX  of XXXX I purchased a XXXX  XXXX XXXX from XXXX XXXX in XXXX, Ga. I have been paying for this car since XXXX. All of a sudden at the end of XXXX I get a phone call from Pronto Finance stating that I should continue to pay for my car note to them and through their portal. I was unaware that XXXX XXXX and their finance company closed down. I suppose Pronto Finance bought all of XXXX XXXX  file but how if they are not listed on my title when I received it through mail from my local DMV. Pronto Finance only have my payments listed from the time they supposedly took over. They have my payments listed in XXXX of XXXX. Remember I had the car since XXXX  and the entire XXXX. Why arent all of the payments I ever made on the car isnt listed on my credit report? Ive requested that they prove they have my payment history and actual contract/loan installment. They have been harassing me every single day and threatening to take my car when they have no legal right to do it at all. My car is paid off thats why I have the title. Pronto Finance is predatory and must be stopped!!! They are ruthless and aggressive. They have my information wrong on XXXX XXXX. I sent letters certified mail to every credit agency. These people have yet to provide proof to me about everything. I have so much proof that these people are crooks. On my credit report they have listed that Ive only paid XXXX. Ive paid way more than that. Remember, Ive had the car since XXXX. Ive paid that much in XXXX  alone so what are they doing this for?? For greed?? Money?? They even acted out as if I am scheduled for repossession. I was like come and take the car then so I can press criminal charges against them. They threatened me continuously but never take the car because they have no legal right to do so. Please help me get rid of these people. They harass me and leave text and messages everyday. I told them by law to stop demanding a payment until they provide the necessary documentation and information I need. They never did. They ignore all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Date XX/XX/year>XXXX  On this date my wife called and made a payment to Capital One credit card which was not due until XX/XX/year>, after that the wife checked the bank account and saw they post it on XX/XX/year>XXXX  10 days after she paid it, my wife called and they told here that the due date was XX/XX/year>, so they added a late charge to and payment, we argued with them about it and they said they removed it, then in the mail we received a statement showing we owed {$100.00}, which is {$39.00} more than our month payment of {$70.00}, we called again and they said they removed it but they added back on payment, we told them to remove it but they said no ( we were talking to a supervisor ) so when they said they could not do anything we told them that we would pay them what we owed. the payoff and closed the account, they didn't seem to care after we had been with them for about 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I received text message about owing over {$9000.00}, I checked my credit report and there is no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened an XXXX Credit card on a written offer of XXXX bonus miles. I met the spending requirement. Barclays claims the miles were sent on XX/XX/25 ( XXXX ), but they have not been received in my loyalty account. Miles from earlier statements and later statements have posted correctly. Barclays has failed to ensure delivery of the sign-up bonus, which constitutes a failure to deliver the product as advertised. I have attempted to resolve this with the Barclay and was directed to XXXX and then to XXXX. I have an open ticket ( # XXXX ) with XXXX  ( XXXX ) for 13 days with no 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 explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am requesting full validation of the alleged debt you claim I owe. This is not a refusal to pay. It is a request for verification under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following : 1. Proof that I am legally responsible for this debt, including my signature on any original contract.

2. The name and address of the original creditor.

3. A detailed breakdown of the amount you claim is owed, including principal, interest, fees, and how each amount was calculated. 
4. Proof that JEFFERSON CAPITAL SYSTEM LLC is licensed to collect debts in my state. 
5. A copy of any judgments, if applicable.

6. Verification that this debt is within the statute of limitations for collection in my state.

7. Proof of your legal right to collect this debt, including documentation of the assignment or sale of the account. 

Until I receive all requested documentation, you must cease all collection activities, including phone calls, letters, credit reporting, or legal action, as required by federal law. 

If you can not validate this debt, you are required to : Stop all collection efforts, and Delete any negative information you have reported to the credit bureaus for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
CFPB Complaint Narrative Mortgage Servicing / Successor-in-Interest I am the documented successor-in-interest following the death of the original borrower. The mortgage loan is serviced by Select Portfolio Servicing , Inc. ( SPS ) on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is secured by a property located in Pennsylvania. 

Successor-in-interest review was initiated by SPS in XX/XX/XXXX following submission of the death certificate and estate documentation. SPS correspondence at that time identified me as the successor and outlined required documents. Additional Required Information Notices issued in XXXX again addressed me as successor-in-interest and indicated foreclosure activity would be held while documentation was under review. On XX/XX/XXXXXXXX XXXX SPSs automated system confirmed successful upload of a signed assumption-related document. 

Despite these acknowledgments, SPS continued to request categories of successor documentation that had already been submitted, including re-requests made in XXXX and again through estate counsel in XX/XX/XXXX. Certain documents previously provided were later described as missing or illegible, resulting in prolonged review without resolution. 

Foreclosure activity continued during periods when successor documentation was under active review. Communications in XX/XX/XXXX placed foreclosure counsel on notice that successor documentation had been provided and that a cure/reinstatement payment had been tendered and returned. SPS later stated that all required successor documentation was complete as of XX/XX/XXXX, yet foreclosure activity proceeded during this timeframe. 

A cure/reinstatement payment in the amount of {$22000.00} was tendered in XX/XX/XXXX and returned without explanation. Subsequent servicer responses did not address the attempted cure or the reason for its return. 

In a written response dated XX/XX/XXXX, SPS made representations regarding document receipt, foreclosure activity, and payment history that appear inconsistent with earlier acknowledgments and records. This complaint is submitted to address these discrepancies and ongoing concerns regarding successor-in-interest handling, payment processing, notice practices, and the accuracy of servicing records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Fidem Baltimore Holdings LLC
State: NY

Complaint narrative:
I was trying to transfer my credit card balance from The credit card company so called Ignite ( previously held by XXXX XXXX ) to my newly opened another credit card account by XXXX XXXX XXXX Balance transfers are commonly electronic but Ignite refused to accept any electronic balance transfer payments and instructed me to have XXXX XXXX XXXXXXXX send the check to transfer my balance from Ignite. The check was in the amount of {$1500.00} with posting date of XX/XX/year>XXXX  and check number XXXX. This check was dated on XX/XX/year> and delivered to the exact address Ignite provided for balance transfer payments purposes and already cashed out but Ignite never acknowledged or could not verify that and never removed this amount from my credit card balance with Ignite. The address Ignite provided to make such balance transfer payments was XXXX XXXX XXXX XXXX, PA XXXX which was confirmed as correct address by Ignite multiple times after the fact. I contacted Ignite agents and two supervisors multiple times last two months but no valid solution or any positive results followed. They kept saying that they dont have sufficient information and knowledge regarding this check or payment and only kept apologizing with promises to fix the issue soon but no progress. They never emailed or called or texted with any updates. I also requested XXXX XXXX XXXX  to investigate but they notified me that they couldnt reach Ignite or cooperate with them to resolve the issue. XXXX provided me with a copy of the check which I am attaching here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Chase Bank closed case without accounting for missing {$500.00} transfer Complaint : On XX/XX/XXXX and XX/XX/XXXX, I sent two separate {$500.00} payments from my Chase Bank account via XXXX to the same receipt XXXX XXXX, who is a XXXX XXXX XXXXXXXX ( XXXX  ) customer. 

But XXXX XXXX never received either payment. XXXX XXXX XXXXXXXX provided written confirmation that neither of the XXXX {$500.00} payments was received. 

Because the recipient urgently needed funds, on XX/XX/XXXX and XX/XX/XXXX my nephew, XXXX XXXX ( a XXXX  customer ), sent XXXX separate {$500.00} payments to help me to XXXX XXXX. All four payments were received immediately, and I have confirmation of receipt. 

This clearly shows that the recipients BOA account was able to receive funds without issue. 

Chase Bank informed me that they do not know where one of my {$500.00} payments went. Despite being unable to account for the missing funds, Chase refunded only {$500.00} and closed my case. 

I believe this is an improper resolution. A bank should not close a case when it can not explain the destination of a consumers funds. 

I respectfully request CFPB assistance to require Chase Bank to fully investigate and account for the missing {$500.00} and provide a complete resolution. 

Thank you for your assistance. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I purchased an XXXXXXXX XXXX XXXX XXXX froXXXX XXXX XXXX financed through Bread Pay in the amount of approximately XXXX XXXXwith monthly installment payments. 

Because the device was not available in store, XXXX XXXX shipped the phone to me via XXXX. 

On XX/XX/year> the package was delivered. Upon opening the box, the XXXX was not inside. The package appeared to have been tampered with, and the device was never received. 

On XX/XX/year> I immediately contacted XXXX XXXX to report the missing device. I was instructed to file a theft claim with UPS and a police report. 

On XX/XX/year> I filed a UPS theft claim for the missing device.

On XXXX XXXX XXXX, I filed a police report for theft of the shipped phone. 

Despite completing all requested actions and providing documentation, XXXX XXXX has refused to cancel the order or replace the device. 

Bread Pay continues to hold me responsible for the installment payments and has instructed me to resolve the issue directly with the merchant, despite the product never being delivered. 

I am requesting : XXXX. Immediate suspension of all payments XXXX. Cancellation of the remaining balance XXXX. Written confirmation that my credit will not be negatively impacted I can not be held financially responsible for a product that was stolen in transit and never delivered to me.

Company response to consumer: Closed with explanation