vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Account Timeline Santander Consumer USA Account opened : XXXX Loan term : XXXX years ( expected payoff around XXXX ) Date of First Delinquency : XX/XX/XXXX Account charged off : XXXX Last known payment/activity : XXXX Issue : Santander Consumer USA is reporting this account with recent activity and/or a recent charge-off date in XXXX. This is inaccurate and misleading, as the account is several years old and should not be reported as a current or recently defaulted account. This reporting appears to be an improper re-aging of the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). Impact : This inaccurate reporting caused a significant drop in my credit score of approximately XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent them a cease and desist letter stating I needed proof of this account like a contract with my signature they couldn't prove it .very upset with all this stuff on my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
My exwife used my information and opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX CBNA XX/XX/XXXX and XXXX CBNA XX/XX/XXXX these companies on these dates ran a copy of my credit report without my consent. I am a victim of identity theft and these are not my inquiries reporting on Transunion and Equifax

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I made my required mortgage payment, plus an additional {$190.00} towards my principle, {$1600.00} total, to bring my balance under $ XXXX. However, the additional payment was not applied towards my principle, it was applied towards my following month 's payment. Again this month, I paid {$1500.00}, with {$1200.00} being the balance of the payment due, so I attempted to pay {$280.00} towards the principle. They owe me interest and they need to correct the payment appropriation correctly. I do not trust these people! Every post on their FB page is people with complaints ... many of whom, like me, were Mr Cooper customers. I will attempt to contact them tomorrow. Interestingly, if you want a new loan, they are available until midnight, but if you're an existing customer, they close their phone lines at XXXX to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am filing this complaint regarding my auto loan account for a XXXX XXXX XXXX. On XX/XX/XXXX, sent certified written requests to both Bridgecrest ( loan servicer ) and XXXX ( selling dealer ). These letters were delivered and requested specific documentation and clarification regarding my loan. As of today, I have not received any response. My request included : -A complete payment history and breakdown of how each payment has been applied -Documentation supporting all add-on products included in my loan -Copies of any signed agreements authorizing the purchase of those add-ons -A clear explanation of how interest is being calculated and applied to my account My loan includes several add-on products, including a service contract, GAP coverage, and a vehicle tracking product, which increased my amount financed by over {$6000.00}. I was told at the time of purchase that these items were " included, '' and I am requesting proof that I knowingly and voluntarily agreed to purchase them. I am also concerned about how my payments are being applied. Despite making all payments on time, the majority of each payment is applied to interest rather than principal. Additionally, I was informed that making early or timely payments would reduce the interest amount, which has not been reflected in my payment breakdown. To date, I have paid a significant amount toward this loan, yet only a minimal portion has been applied to the principal balance. I am requesting a full and transparent explanation of how my loan is being amortized. I am requesting that Bridgecrest and XXXX : 1. Provide all requested documentation, including signed agreements and full account history 2.Verify the accuracy and validity of all add-on products and charges 3. Provide written instructions and eligibility for canceling any optional add-on products and applying refunds to my principal balance 4. Provide a detailed explanation of how interest is calculated and applied to my loan 5. Conduct a full review of my account for any errors or misrepresentations and correct the if found I expect a prompt and complete written response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name XXXX XXXX and i have account with citi XXXX XXXXXXXX XXXX i deposite some cash ( XXXX $ ) visit in branch after deposite the lady said your account is closed/Freeze.she denied to gave me my fund back due to this. she give me reciept and said that call to customer support they may be help you.Around XXXX month i visit every week in the same branch and they just said that you got your money between XXXX days.After one month then i visited in bank the employee said you didn't have any amount in your account and you can call to fraud dept.i have total money like XXXX on the last day when i deposite cash But now anyone can not respond then i visit other branch but they help me a lot on the other hand they can not also provide my money back last XXXX months i just waiting for it as well i borrow money from my friends also because i am thinking i get money in a week or XXXX weeks But it just imagination i didnot pay anything i am not able to pay back my friend he is like a brother he helps me alot Now i am also so nervous if you can help me XXXX bless you live long. XXXX more thing everyone says that it may be problem by check bit i deposite check to visit in bank and they give me receipt as well also i got some money of this check as the same time i got it from one of my friend to pay the rent of XXXX months i collect all money in this acccount.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I am filing a complaint regarding an interest charge that resulted from a failure of Bank of Americas autopay system. I enrolled in automatic payments in XX/XX/year>XXXX specifically to ensure my credit card payments would be made on time. Despite this, the payment due on XX/XX/year>XXXX did not process. As a result, Bank of America charged me {$22.00} in interest on XX/XX/year>XXXX on a balance of {$95.00}, which consisted solely of the annual fee. Because autopay was already established prior to the due date, the missed payment was not due to any inaction on my part, but rather a failure in processing. I contacted Bank of America by phone on XX/XX/year>XXXX and sent a written request for consideration on XX/XX/year>. I followed up again on XX/XX/year>XXXX after receiving no resolution. Bank of America has denied my request and has not adequately addressed the autopay failure. I am requesting a refund of the {$22.00} interest charge as a reasonable courtesy adjustment given that I took appropriate steps in advance to ensure payment. I would like Bank of America to : Reverse the {$22.00} interest charge Confirm whether there was a failure or issue with autopay processing Ensure this does not negatively impact my account standing or credit. Charging interest after a customer has proactively enrolled in autopay undermines trust in the system and is not consistent with fair billing practices.

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 2026-03-31 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a credit card account ending in XXXX, for which I am being held responsible for charges that I did not authorize. This is a case of fraud. I have repeatedly contacted the financial institution to report these unauthorized transactions, both by phone and in writing. Despite my continuous efforts, the company has failed to conduct a proper investigation and has not provided any valid evidence to support their claim that these charges are legitimate. I have clearly stated multiple times that : - I did not authorize these transactions- I do not recognize this debt - I have filed a police report regarding this fraud- I refuse to pay any fraudulent charges Additionally, the institution has continued to attempt collection and has allowed the account to go overlimit, adding fees and negatively impacting my financial standing. I formally requested documented proof of their investigation, including the evidence used to determine that the transactions were valid ( such as IP logs, authorization records, or any verification method ). To date, they have failed to provide this information. Their lack of response, failure to investigate, and continued attempts to collect this fraudulent debt constitute a serious violation of my consumer rights. I am requesting the CFPB to intervene and require the company to : 1. Conduct a proper and documented investigation 2. Provide full evidence supporting their claims 3. Remove all fraudulent charges from my account 4. Confirm that I am not responsible for this debt 5. Correct any negative information reported to credit bureaus I am exhausted from trying to resolve this issue directly with the company and receiving no resolution. I appreciate your assistance in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my wife and I visited a Wells Fargo branch in person and requested closure of all my accounts, including checking, savings, and credit card accounts. I made final payments toward any remaining balances and was told that all accounts were closed. I was instructed to cut up my cards. Multiple accounts, including checking and savings, were properly closed. However, my credit card account was not closed, despite my request and the assurances I received in person. Wells Fargo only sent emails and paper mail after automatic payments were processed and fees had been incurred, rather than informing me at the time of my closure request that the credit card account was still active. As a result of this failure, the account continued to accrue fees and late marks, which caused my credit score to drop significantly and created financial and personal stress. I have since paid the remaining balance to prevent further damage. I request that Wells Fargo acknowledge the error, update policies to prevent similar mistakes, and consider adjustments for customers harmed by account closure errors.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. No loner XXXX XXXX XXXX, but cant change it on here. Due to a very long divorce, I have some credit card debt. I applied for a Chase Slate card with 0 % financing to pay off my XXXX XXXX XXXXXXXX card with a balance of {$5700.00}. Chase was supposed to pay {$5700.00} when I applied XX/XX/XXXX. Ive cchecked balances regularly to see if it has been paid. Finally, I called Sunday XX/XX/XXXX and asked Chase when it would be paid. They told me it is going through and should be paid in two business days. Monday morning, a balance showed on my Chase card of {$6000.00} ( $ XXXX in transaction fees ). I immediately checked my XXXX XXXX XXXX balance and it was the same, {$5700.00}. Now I owe double the amount on my credit! I called Chase to see what was going on. They said the transfer was initiated XX/XX/XXXX and went through on XX/XX/XXXX. He gave me a tracking # XXXX. He told me I had to contact XXXX XXXX XXXXXXXX. I asked him to contact them and we will talk to them together and straighten it out rather than me go back and forth. He said they didnt do that. I called XXXX XXXX XXXX. They had no record of payment or transfer. Only the original transfer I had made to them a year before. Told me to call Chase. Didnt even let me give them the tracking number ( guess it was useless ). Called Chase back and asked to speak to a supervisor. Supervisor said it will be 21 business days at least until transfer goes through. I said why did your person tell me it went through on the XXXX? Im feeling like you are all lying to me? Also, why am I being charged the balance and transaction fees, when no money has been paid out? Now I have double the amount owed!! He said he tried to remove the transaction fees but couldnt. I told him to remove everything until it is paid. He said he couldnt. He said he would note my dissatisfaction. I asked what that even meant. Who does he tell? He couldnt give me a real answer. It was a brush off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CapitalOne Case ID : XXXX I am requesting assistance with a Capital One credit card account that has been locked for over a month due to identity verification issues. My account contains approximately XXXX XXXX XXXX rewards points, and I am currently unable to access or use them. Capital One requested identity verification, and I have fully cooperated by submitting multiple forms of identification, including : My drivers license ( multiple submissions, including a newly issued replacement after my original drivers license was damaged ) My passport ( Uploaded in Secure Link and PDF Sent in Mail ) My Social Security card ( Copy Sent in Mail to Fraud Department ) Despite these efforts, my verification continues to fail, and I have been told that no further information can be provided and that my account will remain locked. I understand that my original drivers license was damaged and may have caused this to fail. I have gotten a new drivers license and the uploads still continue to fail. I believe the issue may be due to a name formatting mismatch, as my account may list my name as XXXX XXXX XXXX while my government-issued drivers license shows XXXX XXXX XXXX without XXXX XXXX XXXX I have not been given a way to confirm or correct this discrepancy. On previous CapitalOne emails, I see my name as XXXX XXXX with no hyphen. Additionally, I have another Capital One account that remains active, which further suggests this is a verification issue rather than fraudulent activity. I am requesting that Capital One : Provide a clear and workable method for me to verify my identity ( including manual review if necessary ) Review whether a name formatting mismatch is causing the verification failure and correct it if needed Restore access to my account and associated rewards upon successful verification I am fully willing to provide any documentation or complete any verification process required to resolve this issue, including video call, in-person visit, etc. I am concerned about losing access to a significant rewards balance without being provided a reasonable opportunity to verify my identity. All of my calls to the fraud team have led to them saying there is nothing more they can do, any my account will be indefinitely closed, with my rewards not available to me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
" I am reporting severe harassment by individuals claiming to be from Honda XXXX XXXX ( XXXX ). They are calling my workplace, XXXX XXXX in XXXX XXXX, FL, daily. Today, XX/XX/year>, they called my managers at XXXX XXXX and XXXX XXXX falsely claiming I owe money. This is a lie. My payments are set to autopay and my last payment of {$350.00} was made on XX/XX/year>. This is a violation of the FDCPA and Florida 's FCCPA. " One of my booses tol me that they're practically calling me every day, and it's the employer who answers when they ask for me .They did the same thing to me last year.ltold a police officer who was passing by outside my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am pursuing Public Service Loan Forgiveness ( PSLF ). My PSLF employment certification has been processed, but my payment tracker is missing a block of months from XX/XX/XXXXXXXX through XX/XX/XXXX. These months do not appear as qualifying or ineligible they are not displayed at all. My XXXX XXXX shows I was placed in administrative forbearance in XXXX XXXX related to XXXX processing, followed by repayment status. I contacted MOHELA and was told they no longer handle PSLF counts and that I should contact Federal Student Aid. However, no action was taken to correct or review the missing months. The Federal Student Aid website continually crashes and will not allow a request for PSLF reconsideration or recount. I am requesting a formal review and correction of my PSLF payment count to ensure all months are properly evaluated and reflected.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Sent a cease and desist to company never sent correct info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I took out a loan and was making payments. I see my balance keeps increasing as I pay off my loan. My loans balance was at XXXX XXXXXXXX now its at XXXX XXXXXXXX. The last time I took out a loan was early XXXX. There were previous loans taken out in my name in XXXX GA a 1st Franklin branch and I never took out a loan in XXXX GA. When I asked about it they erased the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: NY

Complaint narrative:
From Subscription payment history Subscription Payment XX/XX/year> Subscription Payment XX/XX/year> {$9.00} Subscription for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9.00} Subscription for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Are all unauthorized transactions ) Then when I tried to access the account to get contact information to reach out, once again I was charged {$39.00} which I also did not authorize. I asked for a refund explained my issue and at each point the representative refuse to refund me with no explanation just assuring I will not longer get billed, although I never signed up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Why do u is you this amount of money. What is it from cable? Phone? How did XXXX get to this amount? This no way I owe this amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
XX/XX/year>XXXX My husband who is a USAA Member transferred {$3500.00} from his USAA account to my USAA checking account via his USAA app. His transfer transaction showed completed and yet never showed up to my account. After several phone calls to USAA and a USAA filed dispute, it still hasn't showed up. The representatives say there is a glitch, we can't help you. They told me to file a dispute despite the fact that it was a USAA member to another USAA member electronic transfer that they lost.

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