vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I made a reservation with XXXX XXXX for travel from XXXX to XXXX, via XXXX, in XXXX, on my Wells Fargo XXXX XXXX for over {$5000.00}. I cancelled the reservation the same day, and XXXX XXXX issued a refund on XXXX XX/XX/year>. When the refund did not show up in my account, I opened a claim with Wells Fargo to dispute the transaction on XXXX XX/XX/year>. I have sent the claims department a considerable amount of documentation to justify the claim. Wells Fargo denied the claim on XXXX XXXX 2026. I also escalated via Wells Fargo XXXX escalations and the Better Business Bureau. The XXXX XXXX : Wells Fargo has formally stated they will not resolve my billing error dispute until XX/XX/year>. This explicitly exceeds the maximum XXXX resolution timeline mandated under 12 CFR 1026.13 ( c ) ( 2 ). This is a clear violation of Federal banking lawspecifically Regulation Z of the Truth in Lending Act ( 1026.13 ) which dictates that a card issuer must resolve a credit card billing error or dispute within XXXX complete billing cycles, Wells Fargo is stalling to protect itself from missing Visa network chargeback deadlines.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
The dealership subjected me to high-pressure sales tactics and rushed physical paperwork in front of me before allowing me to inspect or test-drive the vehicle ( a XXXX XXXX ). The only interaction I had with the automobile was sitting inside it for approximately XXXX minutes while parked. I was told the vehicle would be moved for a XXXX XXXX, but was instead funneled directly into the office to sign papers. Upon leaving the office, I realized I was rushed into paperwork without a XXXX XXXX or inspection. Over the weekend, I researched the specific model and discovered severe mechanical issues. At XXXX XXXX on Monday morning ( when the dealer opened ), I issued an explicit written cancellation via text message to the salesperson, stating I was refusing delivery and directing them to destroy the paperwork. Despite my written cancellation, no down payment being made, no keys being handed over, and the vehicle remaining physically on the dealer lot, the dealership submitted an unexecuted contract to Credit Acceptance Corporation. When I called Credit Acceptance to report an unexecuted, non-delivered transaction under Virginia law, customer service stated the deal was " finalized '' and refused to flag the account for non-delivery. The dealership is attempting to force an unexecuted loan on an asset I do not possess and have explicitly rejected.

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 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
This collection account is for AARgon AGRNCY account number XXXX for a XXXX debt is being reported in error. I was not living at the billed address during the time period this account covers. I previously provided Aargon Agency Inc with proof of my move-out date via a written letter from my landlord, and they did not respond back to me regarding this evidence. I am not responsible for this debt and am requesting it be investigated and deleted from my credit report immediately. If Aargon Agency Inc can not provide proof I was responsible for the account during the period being billed, I will need to take legal action. I am requesting this account be permanently removed from my credit file.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX Wells Fargo repossessed my car. Now I am trying to retrieve it and the are stating I have to pay any remaining repossession related fees, and any late fees. I advised them that they sent me a letter advising me that I am only required to pay XXXX of the repossession fees and the past due principle amount. I advised Under the Ohio Revised Code, my right to reinstate only requires me to pay my past-due principal installments and an upfront fee capped at {$25.00}. The remaining balance of the repossession fees must be deferred to the back of the loan. They refuse to go by the Ohio law and is requiring me to pay the unapplied amount and late fees which should not be due for my reinstatement.

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 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I identified a fraudulent account/collection on my credit report in the amount of {$15000.00} associated with an unauthorized XXXX XXXX XXXX XXXX XXXX ) loan. This account was opened as a result of identity theft, and I did not authorize, open, or receive funds for this account. I filed an identity theft report with XXXX on XX/XX/year>, and notified XXXX XXXX XXXX XXXX XXXX of the fraudulent debt. Despite these actions, the {$15000.00} fraudulent account continues to be reported on my credit file.

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 2026-07-20 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
Complaint Regarding Unresolved Credit Balance Refund I am filing this complaint regarding a credit balance refund owed to me by Home Depot Credit Services, issued by Citibank. On XX/XX/year>, I was issued a credit balance refund of {$95.00}. I was provided with a refund reference number confirming that the refund had been processed and was told that a refund check had been mailed to me. More than four weeks have now passed, and I have never received the check. I contacted customer service to report that the refund had not arrived. During that conversation, I was told that someone would call me back regarding the issue. No one ever returned my call. At this point, I have made a good-faith effort to resolve this matter directly with Citibank, but I have been unable to obtain the refund that is rightfully owed to me. I respectfully request that Citibank : * Investigate the status of the original refund check. * Determine whether the check was ever actually issued and mailed. * Verify that the check has not been negotiated or cashed. * If the original check is outstanding, place a stop payment on it and promptly issue a replacement refund. * Provide written confirmation that this matter has been resolved. I have attached the refund reference number associated with the XX/XX/year> refund that was never received. Thank you for your attention to this matter. I simply request that the {$95.00} credit balance owed to me be refunded without any further unnecessary delay.

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 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I filed a complaint against XXXX XXXX for attemtpting to collect exempt funds and now they have sent me numerous letters by mail telling me that my claims of financial hardship are invalid and another letter telling me that my complaint against them for not providing validation of debt after first contact is invalid. They do not have to right to harass me because I filed a complaint against the company. I have informed them numerous times that I am a permanently and totally XXXX veteran and my income is exempt from the claims of creditors so they shouldn't be sending me a letter telling me that this is insufficient. I will not tolerate being harassed by XXXX XXXX and Resurgent because I file a consumer complaint. I also sent a cease and desist two weeks ago which means they should not be mailing me mumerous letters.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MIDFIRST BANK
State: VA

Complaint narrative:
In 2019, Midland Mortgage instructed me to deliberately skip XXXX payments to qualify for FHA XXXX relief. They subsequently executed an FHA XXXX Deed of Trust ( Partial Claim ). The total of my XXXX missed monthly payments was approximately {$2000.00}. However, Midland Mortgage has attached a balance of {$52000.00} to the back end of my loan via this subordinate XXXX. This calculation violates FHA XXXX XXXX guidelines under HUD Mortgagee Letters, as the servicer is only permitted to claim actual arrearages ( XXXXI ) and allowed legal costs. I am requesting an immediate federal audit of MidFirst BankXXXX XXXX XXXX XXXXXXXX of this FHA Partial 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 2026-07-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
i have no clue what happened or how anyone got access to my social but someone did and they started opening bank accounts with it which i dont bank with any banks other than XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
In 2014, I took out a loan from CashCall with a principal amount of {$5000.00}. That principal was fully paid. However, CashCall claimed that with interest and fees, the balance had grown to more than {$35000.00}. The interest rate was extremely high and would now be considered illegal under XXXX later consumerprotection laws regarding loansharking and excessive interest rates. CashCall sued me in California and obtained a judgment, but California determined that CashCalls loan program fell into a category of unlawful lending practices. Because of this, CashCall was prohibited from collecting on the judgment. Despite that prohibition, CashCall later sold or transferred the account to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. This debt is now more than XXXX XXXX XXXX. I am XXXX XXXX XXXX and on Social Security XXXX. I am being contacted about a debt that was already found to be uncollectible under California law due to CashCalls illegal lending practices. I am requesting CFPB assistance because a thirdparty collector is attempting to collect a debt that should not be collectible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
Payment of XXXX every two weeks Asked for extended payment or refinance since its XXXX percent. Struggling to pay XXXX a month. Emails sent XX/XX/XXXX and XX/XX/XXXX. Asked for email or written letter in mail instead of phone call. They denied the action and asked to call. Tried to get a payment plan to finish paying as of XX/XX/XXXX still in good standing. I revoked my arc payment with bank in email to them and paid the fee with my bank. Uprova did send email and removed the payments but left it open with account information with bank. I don't trust that. Filed complaint with provision of banks in 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 2026-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good Afternoon. The issue is as follows : My mortgage provider, Wells Fargo failed to make a timely escrow disbursement to my home insurance provider ( XXXX XXXX XXXX ) for the XXXX term, causing my hazard policy to lapse. Because of their own processing delay, they are now penalizing me by force-placing a massive {$4200.00} insurance charge onto my account for that period. My actual remaining outstanding principal mortgage balance is only {$1500.00}, while my current escrow balance is fully funded at {$3800.00}. Wells Fargo held more than enough of my funds to pay the insurance premium on time. This force-placed fee is nearly triple my total remaining mortgage debt and is being used as a predatory billing practice that effectively blocks me from paying off my home free and clear.I have already purchased a brand-new policy for the XXXX term to ensure continuous coverage moving forward. Today, I also mailed a formal RESPA Notice of Error via XXXX XXXX Mail directly to the lender. I want Wells Fargo to immediately remove the {$4200.00} charge so I can apply my valid escrow funds, pay my true {$1500.00} balance, and completely close this account.

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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I recently pulled my credit reports and noticed an invalid account reported by you all. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: GA

Complaint narrative:
Made XXXX deposit on XX/XX/XXXX, ( XXXX ) {$2000.00} and ( XXXX ) {$1500.00} total {$3500.00} from my bank, Was told it takes XXXX working days to clear. On the XX/XX/XXXX a hold was placed on the account, On XXXX a XXXX deposit of {$3000.00} was made to the account,, still reading pending In total there is an hold of {$7300.00} on the account. I have tried to getting resolve but to no avail

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> my account became inaccessible to me for any transactions, although I could still see a balance. Very soon after the restriction ( not even a month if memory serves me correctly ) I was told by a fraud department agent ( while sitting at the desk of a US Bank manager ) that there was an investigation about the remaining funds that were in my account, {$39000.00}, and it would take XXXX months from the account restriction date to when they would provide me with an answer to what would happen ( they would cut me a check for the remaining balance, etc. ) On XX/XX/year> I started back visiting the bank to see if I could get that account closeout check for the remaining balance of my assumed closed account. They wouldnt provide a check but in addition to that, US Bank still would not provide me with any answers as to why my account was restricted and when I would see a closeout check for the remaining balance. I have since been back to the bank twice, once on XX/XX/XXXX and again on XX/XX/XXXX with the hope that I would be able to get answers or a closeout check. The bank manager at XXXX De XXXX XXXX in XXXX, CA ( XXXX XXXX has been decent saying that hes in my corner and he would get to the bottom of this, and there would be a closeout check provided to me at the bank rather than sent through the mail. After todays visit I have come to the conclusion that US Bank has no plan to provide me with a closeout check for my restricted or closed account, I have had contradicting communications with several customer service agents whether its closed or restricted. The last words that I heard from the customer service agent in the due diligence department today after my visit to the bank was that the account is still in review. Ive been waiting for over XXXX days and they still have no answers and continue to hold onto my money. I have explained in detail the complete story to at least a dozen customer service agents, bank managers, and bank tellers to try to access my funds or receive my funds through a closeout check to no avail. I have been waiting patiently for the bank to do the right thing whether its allowing me to access my money or provide me with a closeout check but they have not acted professionally or efficiently in this situation. I sincerely and as accurately as possible provide all of this information. PLEASE HELP

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 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Failure to properly cancel my full wireless account despite explicit request, resulting in improper continued billing and collections. Details : In XX/XX/year>, I requested complete closure of the account ( all lines and devices ) when switching to XXXX. XXXX own XX/XX/year> bill clearly shows Service disconnected on the XXXX line and Plan removed language, with other lines suspended. This proves disconnection processing occurred. Despite this evidence, XXXX left lines in limbo, continued generating bills, applied late fees, and later accelerated device payoffs inflating the balance dramatically. XXXX executive review acknowledged the XXXX port-out but claimed no closure request was ever made, contradicting their own billing records. The account was placed with Diversified for collections. I have disputed the debt previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
" I am disputing a systemic pattern of transaction manipulation to perform illegal fee harvesting on my account. Across last week and this morning, I was charged XXXX separate overdraft fees totaling {$210.00}. I have physical ATM receipts and app screenshots proving my balance was positive at the close of business on these exact nights. Wells Fargo authorized these small transactions when funds were available, but applied overnight fees during batch processing. Wells Fargo has made absolutely XXXX attempt to resolve this issue. I have been banking with Wells Fargo for 30 years and this is an ongoing problem. This account is a XXXX Account for a XXXX nonprofit corporation, helping XXXX veterans obtain and care for service dogs. We assist veterans as XXXX commit suicide on a daily basis. Once they have a dog, that is no longer an optionthe theft of funds from our organization directly impacts our veterans programs, putting lives at risk. I am requesting a full reversal of the {$210.00}. ''

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NV

Complaint narrative:
I moved from XXXX XXXX to XXXX with family this week went to update information with net spend who I been with XXXX now froze my account that my XXXX sons XXXX government issued benifets go to for bills and their care and food that money is being held from us and the account frozen because my id expired XXXX won't let me re new till my appointment on XX/XX/XXXX and befor that we get paid next week and rent at new apartment is due and we can't sat or pay bills the kids XXXX money being withheld I even have there social security papers proving the money going to this account is for them net spend knows this and knows I'm me but based on expired id withhold our money and frozen account until I get new id and since then stopped responding to my emails I emailed the XXXX even the account resolution team no one is responding I can't log in just stolen my kids XXXX money currently in the account and plan ti take their future money as well I have XXXX boys in diapers XXXX and XXXX both non verbal in wheel chair I walk no car it's hot in XXXX nv XXXX degrees and pushing them in wheelchair I need help I gave them my lease my marriage certificate my id idk what to do because they are not even responding to me anymore at all

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