vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I went inside the branch, provided all documentation requested divorce decree, social security card, drivers license, and signed updated information as a profile from XXXX and I have not banked with them for years and opened my business bank account online with Wells Fargo after many calls due to my card declining in the gas station after getting a new card in the mail after leaving branch a day later my account still was closed over something I am not able to see on my end. The toll free agent number in card was called multiple times and called local branch where I was advised after a call back I would but have known to do so and it wasnt done when I came in the branch and this is affecting my business. And hi matter how much money I had in the account it wasnt returned either. I opened a personal checking after being told the first time everything is fine with my account and yet I had a fraud alert still there and no bank to deposit as I was told before my account was fine and not to worry by multiple people and yet there is no trust that I have due to being lied to and treated like a scammer. Yet I made a deposit the same day everything was advised to be cleared up with my business account and I let them know I opened a personal, and still flagged for fraud after.

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 2026-06-01 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: Aqua Finance, Inc.
State: VA

Complaint narrative:
In XX/XX/2024, I cancelled an extended service warranty on my vehicle through the originating dealership, XXXX XXXX in XXXX. A refund check in the amount of {$3700.00} was subsequently issued and sent directly to my lienholder, Aqua Finance, to be applied directly to my loan 's principal balance. The dealership has verified and confirmed that this check was successfully delivered and cashed by Aqua Finance. However, Aqua Finance has failed to credit the {$3700.00} to my loan principal. Because Aqua Finance failed to apply these funds, my principal balance has remained artificially high for roughly 18 months, resulting in me being charged ongoing, compounding interest on a balance I do not legally owe. I have reached out to Aqua Finance multiple times to request a full principal balance ledger and a correction to my account, but they have failed to provide the ledger and have completely stopped responding to my inquiries for the past several weeks. To resolve this issue, Aqua Finance must locate and apply the {$3700.00} refund check to my principal balance retroactive to the exact date the check was cashed, and perform a full account recalculation to credit back all overpaid interest charges resulting from their processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX EST, I made a manual payment error on Affirm Loan # XXXX from a bank account with insufficient funds. I contacted Affirm Customer Care immediately to cancel the pending ACH file. A front-line supervisor named XXXX explicitly refused to escalate my request to the Resolutions Team, mocked me by sarcastically spelling his name, and falsely claimed he had no tools to place a hold. On the same day, I sent a formal written dispute to resolutions @ affirm.com and legal @ affirm.com, explicitly revoking authorization for subsequent extraction loops and demanding a payment hold. Today, XX/XX/year>, Affirm completely ignored my legal notice, issued a generic automated email response, and initiated an unauthorized secondary re-draft attempt on my account. I am experiencing financial hardship and Affirm is intentionally causing predatory, cascading Non-Sufficient Funds ( NSF ) bank fees on my account after explicit revocation of consent. I demand Affirm immediately place an administrative hold on Loan # XXXXXXXX, cease all automated collection attempts, and review the recorded call from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
I had made a partial payment for my mortgage XX/XX/year> in the amount of {$1400.00} and advised the other half would be paid by the end of XXXX for {$1400.00} .. the total payment is approx ... $ 2965 monthly. I wasn't aware that Village Capital and LLC Investment was closed on the weekends. I attempted to use their online system but because I had previously refinanced my mtg the system would only pull up the paid off account information. I researched my records and located a previous email with the refinanced information and loan counselor so I attempted to email him to alert the issues I was having. When attempting to call the phone continuously dropped the calls. After multiple attempts I was finally able to get through however the system wouldn't allow a partial payment nor the attempt to make the full {$2900.00} payment which would have at least resolved XXXX and another partial to the upcoming XXXX. I reached out 1st thing Monday morning XX/XX/year> to encounter multiple rude employees. I requested to speak with a manager but was advised only a call request could be made. The employee wouldn't process the partial payment although now my account would be considered late for the 1st time. As a disabled veteran dealing with multiple health and mental issues this is extremely stressful and honestly I just want to walk away from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Finance LLC
State: DE

Complaint narrative:
I am a victim of identity theft. Several financial accounts were opened in my name without my authorization. I did not apply for, approve, or use any of these accounts. The fraudulent accounts include American Finance LLC, XXXX ( XXXXXXXX XXXX XXXXXXXX. ), XXXX XXXX, and XXXX XXXX XXXX XXXX. I discovered these accounts on my credit reports and immediately disputed them. These accounts are negatively affecting my credit history. I request a full investigation into all accounts and supporting documents used to open them, including applications, signatures, and any identifying information used by the companies. I have not made any payments or taken any action related to these accounts because they are not mine. I am requesting removal of all fraudulent accounts from my credit reports under the Fair Credit Reporting Act ( FCRA ) and confirmation in writing once the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
In so many words I had XXXX on XX/XX/XXXX there were no payroll deductions going into my account. Upon my return to work all of a sudden because of two open complaints I made regarding disputes because one was for XXXX that I canceled my insurance because my car no longer worked so I wanted the funds return in the amount of XXXX. XXXX was a dispute for {$200.00} for my fee for my surgeon for the XXXX I had on XX/XX/XXXX. Although, I paid it after my deductible was met I was told that I didnt have to pay it via writing. Explain all these situations to Chime and the {$200.00} dollar dispute kept getting denied. It was based off the typed information that was put in from the agent. Now my dispute case was opened 3 times and they kept denying it. Chime never clears the XXXX dispute but yet decided to close my account with no proper notification. Now my direct deposit from my job will be rejected and I will have to wait 5 business days just to get it via paper check now. This is crazy. When I asked chime what the reason for my account closure they cant provide that information or refuse to provide that information. I need a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
I called XXXX XXXX XXXX let them4uld n't pay my loan on XXXX XXXX the gentlemen ask me why I explained it to him. He was very rude said I just took the loan I made XXXX payment. I explained to him he refuses to make changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Derogatory mark on credit score. I never received written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : Robinhood XXXX, LLC Complaint Type : Account Restriction / Access to Funds Summary of Complaint : On XX/XX/XXXX, I received a notice from Robinhood stating that my recent crypto transfers allegedly violated the Robinhood XXXX Customer Agreement. The notice informed me that Robinhood would no longer support crypto transfers for my account and that the decision was final. However, Robinhood did not identify the specific transfer, wallet address, service, or activity that allegedly violated its agreement. I transferred cryptocurrency to my Robinhood account on XX/XX/XXXX. Since that time, my activity has been limited to transferring my assets to Robinhood, depositing funds from my personal XXXX XXXX XXXX checking account to purchase additional cryptocurrency, and making a small withdrawal involving my own bank account. Robinhood has not provided a meaningful explanation of what specific action triggered this restriction. The notice references " continued transfers to these services '' but does not identify the services, transfers, or transactions at issue. As a result of Robinhood 's actions, I have been unable to freely access and manage my crypto assets. I have not been given a detailed explanation, supporting evidence, or a meaningful opportunity to appeal or challenge the determination. Robinhood has stated that its decision is final. I believe consumers should be provided with clear notice regarding the specific basis for account restrictions that affect access to their assets. In this case, Robinhood has not explained what conduct allegedly violated its agreement, making it impossible for me to understand or respond to the accusation. Resolution Requested : I am requesting that Robinhood : 1. Identify the specific transaction ( s ), wallet address ( es ), or service ( s ) that allegedly violated the Robinhood XXXX Customer Agreement. 2. Identify the specific provision ( s ) of the agreement that Robinhood believes were violated. 3. Provide a meaningful review or appeals process. 4. Restore my ability to access and manage my assets if no violation occurred. 5. If Robinhood intends to permanently restrict my account and refuses to restore access, provide a lawful method for me to recover my funds and assets, including withdrawal to my verified bank account or another approved method. I am seeking transparency, due process, and full access to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Urgent Update for CFPB Case XXXX New fraud transfers " continue '' Please provide assistance. On XX/XX/2026 through XXXX XXXX, my USAA banking profile has been subjected to a severe external digital account takeover and identity theft breach. An unauthorized third party bypassed USAA 's security protocols, gained access to my online banking portal, and executed numerous unauthorized transfers. Police report XXXX XXXX police report Case number XXXX and all federal agencies notified and credit agencies notified. USAA Federal Savings Bank Attn : Executive Consumer Complaints XXXX XXXX XXXX XXXX XXXX, TX XXXX This is an urgent supplement regarding an ongoing, active security breach at USAA Federal Savings Bank.i USAA Number XXXX XXXX XXXX XXXX XXXX, SC XXXX Disscovered additional fraud yesterday afternoon XXXX. after I had filed complaint.. Despite reporting the initial {$19000.00} digital account takeover on XX/XX/2026, USAA failed to secure my account profile. While actively on the phone with the USAA CEO Customer Relations Team trying to resolve this issue, the unauthorized perpetrator executed two additional fraudulent transactions through the compromised online portal : Thursday Transfer : {$1000.00} ( Unauthorized ) XXXX XXXX, USAA case number XXXX, XXXX XXXX Friday Transfer : {$990.00} ( Executed while actively speaking to USAA Executive Support ) XXXX XXXX, USAA case umber same as above The total theft now stands at {$21000.00}. USAA 's failure to lock down a compromised account after explicit, repeated notifications constitutes gross negligence. I demand that someone CFPB immediately intervene, as USAA is allowing an active cybercrime to continue on their platform while explicitly denying the consumer the ability to stop it. I demand immediate provisional credit for the new total of {$21000.00} under Regulation E. Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Complaint Number : XXXX I am following up regarding my complaint. The company provided a letter ; however, the letter does not meet the requirements necessary to register my vehicle in New York. To help resolve this issue, I sent XXXX XXXX two letters by certified mail with return receipt requested on XX/XX/XXXX. Included with those letters was a copy of a previously issued Letter of Permission that contained the specific New York requirements. That document had been provided approximately one year ago and serves as an example of the information needed. As of today, I have not received a corrected Letter of Permission that satisfies New York registration requirements. I am requesting assistance in obtaining the proper documentation from XXXX XXXX so that I can complete the vehicle registration process. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We are current with our mortgage. Our insurance agent contacted them a few weeks ago with an updated insurance bill. PNC mortgage statement shows they were to pay the home owners insurance. PNC chose to not make the payment. No reason why. We have called and tried to find out. Several people said- oh we're sorry, but we cant help you. One said the payment was made to XXXX XXXX and was rejected. That was interesting as we now have slide - and have never had a policy with state farm. After arguing, she said that was a mistake. She said no payment was made. Another said the payment was made last week- when pressed for tracking info, she then said- oh we just requested today. Hours of fighting. Many different answers. What we know is they have our escrow. More than enough to cover the payment. They refuse to make the payment when it was due and have ZERO reasons why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I owe XXXX but it wasnt even me who had that debt my identity was stolen and there making me pay it off even tho it wasnt even me and it affected my credit score and Im trying to fix and I called and told them to dispute it and I filed a dispute but they never helped me out and still on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Klarna AB
State: WA

Complaint narrative:
XXXX. Summary of the Issue Across multiple Klarna XXXX in XXXX plans, Klarna : Charged duplicate installments Added extra installments beyond the required XXXX Split single installments into XXXX separate charges Bundled unrelated payments together, hiding duplicates Listed the same purchase twice with different totals Misapplied payments, refunded them, then re-added the debt Charged late/service fees caused by their own system errors Sent a disputed balance to a thirdparty debt collector Provided contradictory internal records and inconsistent totals These actions violate XXXX consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
In early XX/XX/year>, I requested Wise to cancel XXXX wire transfers totaling {$170000.00} USD. Wise successfully returned {$72000.00}, but I have not received the remaining {$100000.00}. XXXX Complaints Officer later admitted it was caused by a system error on their end. They upheld my complaint, gave me a XXXX reference number ( XXXX ), and paid me {$800.00} in compensation. However, almost 3 months later, I still have not received my {$100000.00}. I have contacted Wise multiple times by email and phone with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime has advised that they do not investigate cash transactions. I was able to submit a claim only after they established that I did not initiate the transfer. Chime also did not want to put any restrictions on the account associated with stealing from me. No cash was exchanged, it was through their platform that the criminal ( XXXX ) were able to use my funds for their illegal criminal enterprise. I would like an investigation into Chime and the practices that they take to stop encouraging illegal criminal enterprise transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint Against Synchrony Bank Deferred Interest Financing Practices I am submitting this complaint regarding a deferred interest financing promotion offered by Synchrony Bank that I believe was misleading and resulted in unexpected and excessive charges. In XX/XX/XXXX, I purchased a mattress for approximately {$2500.00} and enrolled in a 24-month deferred interest promotional financing plan. At the time of purchase, I understood this promotion to mean that if any balance remained at the end of the promotional period, interest would begin accruing on the remaining balance going forward. I was not aware that interest was accruing retroactively during the promotional period and would be applied in full if the balance was not paid off completely within 24 months. I set up autopay and consistently made all required minimum monthly payments. However, the minimum payment amounts were variable and decreased significantly over timefrom approximately {$97.00} per month down to as low as {$41.00}. This declining payment structure created the impression that my balance was being reduced appropriately and did not signal that I was at risk of triggering significant deferred interest charges. As the promotional period ended around XXXX XXXX, I did not receive clear or sufficient notification that the deadline was approaching or that failure to pay the full balance would result in retroactive interest being applied. When the promotion expired, Synchrony Bank applied approximately two years of backdated interest at an APR of 29.99 % in a single billing cycle. As a result, my account balance increased dramatically from {$1100.00} to {$2600.00} in one month. This increase was entirely due to retroactive interest charges that I did not reasonably expect based on my understanding of the promotion. The use of the term deferred interest is misleading, as it suggests that interest is postponed rather than accruing in the background and applied retroactively as a lump sum. Had I clearly understood that failing to pay off the balance in full would result in the application of all accrued interest, I would have paid the remaining balance before the promotional period ended. Additionally, the structure of declining minimum payments appears to contribute to this issue by allowing balances to remain higher for longer periods, increasing the likelihood that consumers will not pay off the balance in time and will incur retroactive interest charges. I believe these practices are deceptive and do not provide consumers with a clear understanding of the financial risk associated with these promotions.

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