vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: CA

Complaint narrative:
Formal Response and Demand for Documentation Claim XXXX To Whom It May Concern, I acknowledge receipt of Wells Fargos response regarding claim XXXX. 

Your response states that the disputed transactions were authorized by me or someone with authorization and that a XXXX XXXX XXXX was set up inside a branch on XX/XX/XXXX. However, this response provides conclusions without evidence and does not establish that I authorized the transactions or the digital wallet activity. 

I formally dispute this determination. 

As previously requested on XX/XX/XXXX, I am again requesting the specific documentation relied upon to reach this conclusion, including but not limited to : Branch records showing who set up the XXXX XXXX XXXX XXXX presented and verification procedures used at the branch Any signed or electronic authorization linking me to the wallet setup Device information, timestamps, and access logs related to the wallet Any documentation showing that I authorized another person to use my card or digital wallet Absent this documentation, Wells Fargo has not demonstrated a reasonable investigation or proof of authorization. Statements that a wallet was set up in-branch do not establish that I personally performed or authorized that action. 

Please consider this a formal written dispute and a renewed demand for documentation. Failure to provide the requested records will be relied upon as evidence of inadequate investigation and inaccurate determination.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
Old phone broke, replaced with new phone as of XXXX XXXX XXXX  Logged in to account I've had since XXXX timeframe. Put a hold on current card and ordered replacement card and attempted to update account information to reflect new phone number and email address. They dispute I just created a new profile, can only have one, valid IF that's indeed what happened. Find card on vehicle floorboard and login to account on new phone to activate card around the new year I'm not positive on exact date. XXXX XXXX ask partner to send money and they confirm via text at which point I start a chat conversation via the app at which point a representative calls me and we regain access to old account, explains there's 2 accounts, policy is one, " new '' account is under identity review and to process DL through email linkage. Processed, reviewed, regain access to appropriate account with funds on it. {$120.00} and some change. At that time the process would be I can access funds and process payments digitally until new card came in and once the current phone number which is tied to the other account frees up through normal verification procedures I'll be able to update my correct account with my correct phone number. Next interaction was an hour later when I could still login to my account via the app but couldn't make the online purchases. The associate acknowledged the mix up but refused to divulge fixing steps or to transfer to a member who could. Was completely unaware of any pending card or account discrepancy at all. Next morning I can't log in to the account as the representative took me through, none of my email or phone number or password changes are appropriately applied and when I call customer service all they do is try to force me to confirm one account over the other and flat out refuse to look up anything applicable for the correct account. I have recent transactions with email confirmation numbers for XX/XX/XXXX and XX/XX/XXXX and relevant emails going back years on an account they completely deny exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was interested in buying a car from XXXX XXXX and I found this page that sold cheap nice cars they apparently got from auctions, they had free shipping and looked extremely convincing, I was supposed to pay half before and half after but after I paid the initial XXXXXXXX XXXX they told me I needed to pay for insurance and I said that I would put it under mine then they started saying a lot of things that didnt make sense so I was more sure it was a scam, they then said that if I didnt pay for the insurance We are going to contact the XXXX and XXXX vehicle will be impounded and you will be detained. After being threatened XXXX submitted the other XXXX XXXX for insurance with the promise they would pay back in cash then they asked XXXX $ for taxes and other fees so then I was sure it was a scam and tried getting my money back and was sent another message saying the same XXXX and you wont get your money back. The vehicle will be impounded and you will be detained and you can ask the agency for the penalties. Then I tried getting this fixed thorough Bank of America since they insisted they could help me recover my money after a lot of time spent on calls and claims l then recently received an email from them saying that my claim was rejected. I worked really hard for that money and I seriously hope to recover 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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a high credit utilization and am working to pay it down. Every time I make a payment, Barclay reduces by available balance. Although I have no intention to continue to put money on this card, they reduce it to within {$200.00} of my current balance. Then, prior to my next payment, the monthly interest is applied which then puts me over my limit. This has incurred extra fees but mostly, keeps my credit score low as I ALWAYS show 101 % utilization on this card, no matter how much i pay. I believe this is Barclays way of forcing me to stay in a position where I can not get caught up on the card. They are only doing it because they are aware ( from my credit report ) that I'm working on paying off debt and they want theirs first. This is predatory and dishonest in the worst way.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint against Citibank regarding the denial of my dispute on my Citibank XXXX account ending in XXXX, related to a charge from XXXX XXXX in the amount of {$2300.00}. 

This charge was the second payment made to the same vendor for services related to a wedding event that was ultimately canceled due to unforeseen and devastating personal circumstances. No event took place, and the services associated with this payment were never rendered. 

Despite providing Citibank with documentation and a detailed explanation that the wedding was canceled and that XXXX XXXX did not perform the contracted services, Citibank denied my dispute ( not once twice ). Their decision failed to take into consideration that : - The services tied to this payment were never provided. 
- The vendor retained funds without delivering goods or services. 
- This payment was directly connected to the same canceled event for which another payment had already been disputed with a different financial institution. 

XXXX refusal to credit this charge places the full financial burden on me for services that were never received, which I believe is inconsistent with fair consumer protection practices and the intent of the Fair Credit Billing Act. 

I respectfully request that the Consumer Financial Protection Bureau review XXXX handling of this dispute and assist in ensuring a fair and equitable resolution. Consumers should not be held financially responsible for services that were never rendered, especially in cases involving unavoidable life events. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
b'Due to my neighbor (XXXX XXXX XXXX  and XXXX  my child. The XXXX  has admitted to the XXXX  and I have documentation of this. I got a temporary protection order against her in the matter. I had to move. I had notified my landlord in XXXX  I was moving out of XXXX XXXX XXXX XXXX ME, XXXX. I gave my landlord XXXX XXXX  a 30 day notice via text and social media message. As well as the landlord stopped by the residence and I notified her face to face. My wife notified the landlord as well. I then moved and I have proof of the new lease agreement XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. I can provide the lease document. My landlord then went on to take the situation to court in which I was never served. She said I was staying at the residence XXXX, XXXX, XXXX  which is a lie and she knowingly committed fraud. In person XXXX XXXX said "Im gonna do what I\'m gonna do". Now I have a fraudulent debt of XXXX on my credit on XXXX XXXX. I am XXXX XXXX in thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(debt Collector) XXXX XXXX XXXXXXXXnVictim (XXXX XXXX) XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I purchased a vehicle from a licensed dealer with an agreed selling price of {$27000.00}, which was confirmed to me prior to signing and reflected in dealer documentation at the time of sale. The vehicle was also publicly advertised in the {$27000.00} {$27000.00} range.

After the transaction was completed, I discovered that additional dealer-added charges and add-on products had been rolled into the financed amount, increasing the total cost well beyond what I understood and agreed to. The loan reflects a purchase price of {$29000.00}, along with additional charges that were not meaningfully disclosed as optional or clearly explained during the sales or finance process.

These charges include : Vehicle Service Contract ( VSC ) : {$4500.00} GAP insurance : {$1500.00} Windshield protection : {$490.00} Certified Pre-Owned ( CPO ) : {$1500.00} Reconditioning : {$980.00} Collectively, these items total {$9100.00} and significantly increased the amount financed beyond the agreed vehicle price.

I contacted the dealers finance department in writing to dispute these charges and requested corrected loan documentation, cancellation of the add-on products, and confirmation of any refunds to be applied to the loan. The dealer acknowledged that cancellation requests were submitted for some add-on products and stated that processing could take 26 weeks.

However, the dealer did not provide written confirmation, cancellation reference numbers, revised loan documentation, or proof that refunds were processed. I followed up multiple times requesting confirmation and received no further response.

The dealer also refused to correct or refund certain charges, stating that CPO and reconditioning fees were disclosed and non-refundable, and declined to address the vehicle price discrepancy.

As of now, I have no documentation confirming that any cancellations were completed or that refunds will be applied to the loan, and the loan balance continues to reflect disputed charges. I am requesting assistance to ensure the loan accurately reflects agreed pricing and that unauthorized or disputed add-on charges are properly reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
This complaint concerns a residential property located at XXXX XXXX XXXX, XXXX, XXXX, which has been marketed, listed, and promoted for sale as a habitable single-family residence despite the absence of required permits and the absence of a Certificate of Occupancy on record with the City of XXXX XXXX XXXX 

City records reflect no issued Certificate of Occupancy and no final permits authorizing lawful residential occupancy for this property. Notwithstanding this, the property was repeatedly listed for sale at prices ranging from approximately {$1.00} XXXX to {$1.00} XXXX and promoted through multiple platforms, including MLS listings, online real estate portals, and video marketing, as a completed and habitable dwelling suitable for immediate residential use. 

The seller and marketer of the property is XXXX XXXX XXXX ( XXXX  ), which acted in coordination with broker and listing activity associated with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Public listings, marketing materials, and video tours presented the property as a lawful residential dwelling without disclosing the lack of required permits, the absence of a Certificate of Occupancy, or the resulting legal restrictions on occupancy and financing. 

In addition, XXXX engaged in collection, enforcement, and dispossession activity while a federal bankruptcy stay was in effect. Specifically, XXXX filed and pursued a dispossessory action before it possessed a valid, undisputed deed to the property and while the deed it later relied upon was under active dispute. These actions occurred despite notice of the bankruptcy stay and without lawful authority to enforce possession. 

XXXX  conduct included asserting ownership and rental rights based on a deed that was not yet in hand, was later disputed, and was derived from a foreclosure process whose validity had been challenged. The dispossessory filing and related enforcement actions occurred before XXXX had lawful standing and in violation of the automatic stay protections under federal bankruptcy law. 

Taken together, the conduct described reflects a pattern of misrepresentation and omission in the marketing and sale of a residential property, the promotion of a structure as habitable despite the absence of required governmental approvals, and the pursuit of enforcement and collection activity without lawful authority and in violation of a bankruptcy stay. These actions raise concerns regarding deceptive practices, improper disclosures, and unfair enforcement conduct connected to a consumer mortgage transaction and related housing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Complaint Details : I am filing this complaint due to repeated failures by Wells Fargo to properly notify me of returned payments, the improper closure of my credit card account, and the assessment of unjust fees despite corrective payments being made.

I have been a Wells Fargo Active Cash credit card customer since XXXX  with a perfect payment history I have never made a late payment and have always paid my balance in full.

Timeline of Events : XX/XX/XXXX : I submitted my monthly payment. Due to an unexpected charge on my external bank account, the payment was returned for insufficient funds, but I received no notification from Wells Fargo that the payment failed. 


XX/XX/XXXX : Wells Fargo emailed saying my payment was not made and due that day. Believing I had simply forgotten, I made the payment again, still unaware that the prior payment had been returned. 


XX/XX/XXXX : I received Wells Fargo emails confirming that the XX/XX/XXXX payment was unsuccessful due to insufficient funds and that my external bank account was suspended for bank-to-bank transfers this was the first notification of any returned payments. 


I contacted customer service immediately. A representative stated that the payment appeared as paid on their side and noted that no late fees or interest should be charged while the issue was investigated. 


XX/XX/XXXX : I logged in to find that my credit card account had been closed without proper notice or opportunity to correct the issue, despite payment being made that same day once I became aware of the problem. 


I spoke with an executive office representative who confirmed the account closure was final due to the two returned payments, even though I was never properly notified of those returns. 


XX/XX/XXXX : I received a call that disconnected immediately with no voicemail or callback instructions. I have repeatedly requested managerial follow-up with no satisfactory resolution. 


Despite making the payment on XX/XX/XXXX, Wells Fargo assessed a {$25.00} late fee and {$49.00} in interest, even though I was previously assured these would not be applied and payment was completed. 
Impact : Wells Fargos failure to notify me in a timely manner, closing my account improperly, and charging unjust fees threatens to negatively affect my perfect credit score ( XXXX ). This has caused financial stress and potential credit harm through no fault of my own. 

I am submitting this complaint after repeated attempts to resolve the issue directly with Wells Fargo have failed. I am requesting CFPB assistance to ensure this matter is investigated fairly and resolved promptly.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I was issued a 3 day notice for a violation of my son 's car calling it a nuisance. He was not a tentant at the complex and parked on the street. The manger refused rent payments from Mr for 2 months. Locked me out of my online profile I couldn't pay rent on line. He issued a 3 day notice but for 2 months would not accept rent from me. I gave a 30 day notice to avoid eviction. I was never sent any mailing of past due rent. I believe refusing rent from.a tentant is against California laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This account is supposed to be closed it's stopping me from opening up a business account with XXXX, a family member used my in some years ago and got, I believe a cell phone and home Internet service, I never used anything... I'm a XXXX XXXX  small business owner just trying to make it and I deserve for this to be removed from my credit so that I can continue with the onboarding process opening up a new business account and bettering my life and company... Please remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and object to the unlawful debt collection practices currently being conducted in connection with an alleged account held with Synchrony Bank.

It has come to my attention that Synchrony Bank has permitted or authorized two separate collection agencies to attempt to collect the same alleged debt simultaneously. This practice is improper, deceptive, and may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) as well as applicable state and federal consumer protection laws.

Specifically, this conduct raises serious concerns regarding : Unlawful double collection efforts Failure to properly validate and assign the debt Misrepresentation of the legal status and ownership of the account Potential violations of the Fair Credit Reporting Act ( FCRA ) if inaccurate or duplicated reporting has occurred Please be advised that I formally dispute the validity of this alleged debt in its entirety. 

Accordingly, I hereby demand the following : XXXX cessation of all collection activity by any and all third-party collection agencies until this matter is properly investigated and resolved. 

Written documentation identifying the current legal owner of the debt, including the full chain of assignment or sale, if applicable. 

Written confirmation explaining why multiple collection agencies were permitted to pursue collection simultaneously. 

Verification of the debt as required under the FDCPA, including the original account agreement and an itemized accounting of the alleged balance.

Failure to address these issues may leave me no choice but to pursue further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as exploring all legal remedies available to me.

Please note that this letter is not a refusal to pay, but a formal notice disputing the debt and demanding compliance with applicable law. All future communication regarding this matter must be made in writing only.

I expect a written response within 30 days of receipt of this letter.

Sincerely,

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint because an inaccurate and unrecognized collection account is being reported on my Experian credit file. The account is listed under Portfolio Recovery Associates, Account Number : XXXX, for the amount of {$160.00}. 

I have no record of any financial agreement or contract with Portfolio Recovery Associates for this amount. I do not recognize this debt and believe it is either a reporting error or a result of identity inaccuracies. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request a full validation and verification of this information. To date, this item remains on my report despite it being unverified and unrecognized.

Company response to consumer: Closed with explanation