vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I needed a local bank instead of a bank 2 hours away. I received a flyer by mail and even verified the flyer online that states {$400.00} to open a new checking account by XXXX XXXX, Deposit {$1000.00} in qualifying direct deposit within 90 days, and after 90 days where qualifications have been met, enjoy {$400.00} deposited within 30 days. I called a spoke to a bank representative because all qualifications were met within the time period listed and received a confirmation XXXX for the {$400.00} bonus but still no bonus. Today is XXXX in XXXX and I called last Thursday to have the bonus deposited. I opened the account XX/XX/XXXX and met qualifications within 90 days and still waited over 30 days for the bonus. I have waited over 7 days to receive the bonus. Still no bonus. False promises and advertising.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-15 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: TX

Complaint narrative:
At XXXX I used my Cash App card to make a purchase at XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX Which is nothing new I have done this for several years. When I reach my max {$1000.00} for the week the atm will deny me and I instead purchase a gaming ticket. In this instance I stood there as the ATM transaction was denied, then with my phone in my hand the XXXX transaction was taken from my account but the atm told me it could not be processed. In theee years this has never happened to me, so I stepped over to the arm next to it withdrew more and waited to see in case a ticket got throw out. When it didnt I alerted their staff who told me if it didnt approve I would get money back to my card. I waited and want happy with the response so I went to their onyx club and asked again, the lady informed me to go to ask again for them to check cameras. I went o it and asked again, and another lady went to security to check cameras. Yes they in fact see me make both transactions l, and show them both denied. They said if it doesnt go back to dispute with my bank, which unfortunately was Cash App but I did. They initially denied me right away, and I thought this cant be right the casino has thousands of cameras and the atm clearly stated it was denied, so I filed an appeal. Then it gets denied again today and I am at a loss for words. {$1000.00} gone and I dont know where else to turn to because they say its final. I know the casino keeps track of their records and has several cameras, how can a company like cash app just steal from me. I know people think oh its a casino she just spent it, I assure you if you even check the casinos cameras and transactions I have gone there for years, I have never disputed anything, and I feel like I was punched in the gut with this latest denial because how can I prove myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Apple credit card via Goldman Sachs took money directly from my bank account without purpose or authorization. They refused to address the issue and actually told me that the transaction was XXXX days old and I shouldnt have waited so long. XXXX days. Companies should not be allowed to withdraw from a bank account without approval. I will avoid any institution that requires a bank account number going forward. Please work to prevent others from suffering the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
There was a discrepancy regarding the recent transfer of my mortgage loan on property from XXXX Mortgage XXXX # XXXX to XXXX XXXX XXXXXXXX : # XXXX which occurred on XX/XX/year>. A principal payment of {$5500.00} was made to XXXX prior to the transfer on XX/XX/year> ; however, this payment is not currently reflected on my Mr. Cooper account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX RE : Formal Demand for Investigation and Deletion Under FCRA 1681i & 1681s-2 To Whom It May Concern, I am formally disputing inaccurate, incomplete, and unverifiable reporting on the following accounts appearing on my consumer credit file : * Jefferson Capital Systems XXXX XXXX XXXX XXXX {$230.00} ) These accounts contain reporting inconsistencies including inaccurate payment history, incomplete status reporting, conflicting charge-off dates, missing worst-payment data, and unverifiable furnishing records. * Ongoing derogatory reporting after closure * Missing worst payment status information * Inconsistent payment reporting history * Potential re-aging and incomplete reporting data Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation using original documentary evidence, not automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX Credit Card number. My account was converted to be a Citibank XXXX XXXX. All my automated charges have now started to fail, but my card still has not been mailed to me. Additionally, I can not login to my online account. I have tried through the website and through the phone and the phone support could not assist. They confirmed I had all the correct information and could not explain the continued errors with registration. So my bill is now due, I can't see it, I can't pay it, I can't register online, I can't fix my autopays because I don't have my new card and card number, and I have billings that are failing.

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 2026-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: State Home Mortgage
State: GA

Complaint narrative:
I have reached out to my lender for the past 7 days. Multiple times per day leaving multiple voicemails. I have yet to receive a response from their office. This not only puts myself and their other customers at a detriment, but is an embarrassment to the state that this is the mortgage representation that they have chosen to facilitate their loan programs. It is extremely unprofessional, and could cause serious issues and damages to their customers and constituents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity fraud. Unauthorized accounts and transactions were opened using my personal information without my knowledge or consent. I have reported the fraud and request an investigation, removal of fraudulent activity, and protection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CapitalJ Inc. dba Juno
State: NC

Complaint narrative:
Im involved with the XXXXonJuno banking dilemma. I provided them with over XXXX of my savings and now I can not access those funds. They will not release the funds, even though it is documented that I have those funds with them. I just want my money back. Please help me get it back. It is crazy that these companies can just take peoples savings who are trying to be responsible and save up, and just get away with it. No one will help us. Nobody with power will do anything about this. Please someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am submitting this complaint regarding Chime Financial and the disappearance of a {$500.00} cash deposit connected to an account that Chime now claims never existed. On XX/XX/year>, I applied for a Chime debit card and XXXX XXXX account and completed all requested identity verification steps, including providing my Social Security number, drivers license, address, phone number, and facial verification. After approval, Chime issued me cards that appeared in my XXXX XXXX. Using the barcode generated in the Chime app, I deposited {$500.00} cash at XXXX XXXX The transaction processed successfully, and XXXX confirmed the deposit was completed correctly. I have the deposit receipt and transaction/reference information. Later that same day, my cards were declined. When I logged back into the app, Chime required me to repeat the entire onboarding and verification process from the beginning and issued entirely new cards. At that point : The original cards disappeared The original account appeared to vanish The {$500.00} deposit disappeared When I contacted XXXX XXXX, representatives repeatedly told me the original account never existed, despite my documentation and evidence that it had. To verify that I had not accidentally used a fraudulent application, I tested the newly issued account by depositing funds onto the new card and successfully using it for purchases. Chime representatives acknowledged the new account and were able to locate it without issue, confirming that I was using the legitimate Chime application throughout this process. My concern is that Chime accepted and processed a cash deposit into an account that later disappeared, and customer service representatives refused or were unable to conduct a meaningful investigation into where the funds went. Representatives dismissed my concerns, stated there was no escalation process available, and provided no practical assistance in recovering my funds. I selected Chime because it is a well-known financial services company, and I would prefer to continue using its services. However, I am extremely concerned that a financial institution could allow deposited funds and account records to effectively disappear without explanation or traceability. While I do not have a screenshot showing the original {$500.00} balance, I do possess : Deposit receipts Screenshots of the replacement account and account numbers Screenshots of the replacement cards Communications from Chime related to the account Records of interactions with customer service I am requesting assistance in recovering my {$500.00} deposit and ensuring that Chime conducts a proper investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Initial amount to open card was {$530.00}. I cut card up and never used again. Have made monthly payments. I XX/XX/year> balance was {$420.00}. Next month balance went to {$1100.00}. No purchases made by me. Now my balance is {$2500.00} again no purchase have been made by me on this account only recurring automatic payments. They stopped sending me statements around the time of the first increase in balance. I have been caring for my elderly mother for the last year and didn't notice the changes. I can not login to my target account because I am locked out of the old email on it and the customer service will not change my email so I can access it. They have been no help keep.telling me it is interest but my interest rate would not cause that kind of increase. I believe my card was compromised and they are committing fraud with their interest rate charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing a consumer complaint regarding Affirm Buy Now Pay Later financing for merchandise that I never received. I made a purchase through a merchant using Affirm financing. The merchandise was never delivered to me, and the tracking information never updated to show delivery or completion. I disputed the transaction with Affirm and informed them that the item was not received. Since then, I have discovered that the merchant website no longer exists, and there is no way to contact the company. Based on these circumstances, I believe the merchant may have been fraudulent or operating as a scam business. Despite being aware that the merchandise was never delivered, Affirm continues attempting to hold me responsible for repayment of the loan. I have requested proof of shipment and proof of delivery, but the issue remains unresolved. I believe it is unfair and improper to require payment for merchandise that was never received, especially when the merchant has disappeared and there is no evidence of delivery. I am requesting assistance in investigating this matter and helping resolve this dispute. I am also requesting that Affirm stop collection efforts and any negative credit reporting related to this disputed transaction until the matter is properly resolved. Thank you for your time and attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BLACK HILLS CHILDREN'S RANCH, INC.
State: LA

Complaint narrative:
When I entered into a debt repayment program with Pioneer Credit Counseling they did not inform me that my credit card accounts would be closed once entering the program, I was not informed of this information prior to joining. They also did not inform me of their initial fee once joining the program. They do not send my payments on time to the credit card companies and I want to remove the cards. I wish I never made this mistake.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
I am disputing a reporting error by BMW Financial Services ( BMWFS ). While I have paid the {$380.00} disposition balance in full ( Conf # XXXX ) to show good faith, I am requesting a Full Deletion of this record due to documented procedural and reporting failures. 1. Digital Billing Failure : For 36 months, I managed this lease via autopay and the MyBMW portal. Upon lease-end, BMWFS failed to upload a formal invoice to this established channel. The " view final bill '' link leads only to an " End of Term Inspection '' which lists " Estimated '' charges and contains no due date. BMWFS admits in XXXX XXXX # XXXX that supplemental emails sent were " alerts '' that lacked any mention of a balance or due date. XXXX. Admission of Reporting Error ( XXXX Evidence ) : Following a dispute, Equifax recently updated my report to remove the " Date Major Delinquency 1st Reported '' field, which BMWFS had originally listed as XXXX exact same day as the " Date of 1st Delinquency ''. While this update removes the technical " same-day '' reporting anomaly, it does not rectify the fact that a " Collection '' status was reported without a 30-day cure period. BMWFS acknowledged the reporting error by removing the date, but they are unfairly maintaining a derogatory " Paid Collection '' status despite failing to provide a formal invoice or a reasonable opportunity to pay. 3. Notice Failure : BMWFS bypassed our successful digital channel to send a high-stakes warning via mail to an outdated address. Failing to provide a clear invoice to a digital customer before reporting a collection is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: West Capital Lending, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Harassing and Unwanted Telephone Contact To Whom It May Concern, I am writing to formally report repeated, unwanted telephone solicitations from your organization, including conduct that I consider inappropriate and unprofessional. Most recently, I received a call from an individual identifying himself as XXXX from West Capital Lending ( NMLS ID : XXXX ). During this call, the representative contacted me without my consent, and the interaction escalated into abusive language, during which I was directly insulted. This behavior is unacceptable and raises serious concerns regarding the conduct of your representatives and the oversight of outbound communications made on behalf of your company. I am also on the National Do Not Call Registry, and I have not provided consent to be contacted by your organization. Despite this, I continue to receive unsolicited calls, including early morning contact from other representatives associated with your company or related entities. I am requesting the following immediately : Cessation of all telephone contact to my number Removal of my number from all internal and third-party calling lists Written confirmation that this has been completed An internal review of the conduct of the representative referenced above I am preserving records of all calls, including timestamps, phone numbers, and notes regarding the content of these interactions. Please consider this formal notice of complaint and revocation of any implied or alleged consent to contact me. Sincerely, XXXX XXXX XXXX XXXX Here is the number the agent reached out from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
Acima has an account under my name with a balance of XXXX dollars. I did not apply for a loan nor did I purchase anything using Acima. I live in Ohio and the purchase was made in Florida XX/XX/year>. Acima told me it was an XXXX XXXX XXXX XXXX purchase from a retailer named XXXX XXXX XXXX XXXX XXXX XXXX. The company has not taken any action yet but they want me to file a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and improper verification of a Kikoff Lending LLC account appearing on my credit file. I disputed this account with XXXX as fraudulent/not authorized and submitted an identity affidavit supporting my dispute. Despite this, XXXX concluded that the account belongs to me without providing any documentary evidence demonstrating that I personally opened or authorized the account. To date, neither XXXX nor Kikoff has provided : * A signed agreement or application * Documentation demonstrating authorization or ownership * Any evidence showing that a reasonable investigation was conducted Instead, the account appears to have been verified through an automated process without proper review of the documentation I submitted. I am requesting : 1. A complete reinvestigation of this account 2. The method of verification used 3. Copies of any documentation relied upon to verify this account 4. Removal of the account if proper verification can not be provided I believe the investigation conducted was incomplete and inconsistent with the requirements of the Fair Credit Reporting Act. I am requesting prompt resolution of this matter.

Company response to consumer: Closed with explanation