vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I scheduled a one-time auto loan payment with Ally Financial for XX/XX/year>. On XX/XX/year>, I canceled this payment and received confirmation that the cancellation was successful. According to Allys stated policy, future-dated payments can be canceled any time prior to XXXX XXXX XXXX on the scheduled payment date. My cancellation was completed several days before this deadline. Despite this, the payment was still processed and withdrawn from my bank account after authorization had been revoked. I am requesting an immediate ACH reversal and return of the funds to my bank account. A credit applied to the loan is not an acceptable resolution, as I require access to these funds due to a pending insurance claim involving the vehicle. I have documentation confirming the cancellation and request that this matter be reviewed 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 explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I am reporting a major servicing error and data mismatch by Nelnet. My official XXXX XXXX XXXX XXXX XXXX ) master data shows I am on an XXXX XXXX XXXX XXXX XXXX XXXX plan with an anniversary date of XX/XX/XXXX. Despite this federal record, Nelnet has unilaterally moved me to a XXXX XXXX, increased my payment from {$31.00} to {$110.00}, and generated a fictitious {$1000.00} past-due balance. This has resulted in XXXX derogatory marks on my credit report. On XX/XX/XXXX, I spoke with a Nelnet supervisor who acknowledged that my federal record shows a XXXX date but refused to honor the {$31.00} payment amount or apply the Department of Education 's XXXX Recertification Extension. This is a direct violation of the " Hold Harmless '' mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding what I believe to be excessive and unjust fees and interest charges assessed on my credit card account. XXXX of Events : On XX/XX/XXXX, an automated payment of {$130.00} was charged to my XXXX credit card for an XXXX XXXX subscription. On XX/XX/XXXX, an automated minimum payment of {$35.00} was processed. The following day, XX/XX/XXXX, I paid the remaining balance of {$97.00} and applied {$6.00} in cashback rewards, leaving only a {$35.00} balance outstanding. On XX/XX/XXXX, my autopay failed because XXXXXXXX XXXX had unilaterally closed my bank account without adequate notice, a circumstance entirely outside my control. This single missed payment triggered the following charges from XXXX : XXXX statement : {$30.00} returned payment fee + {$1.00} interest XXXX statement : {$30.00} returned payment fee + {$0.00} interest XXXX statement : {$41.00} returned payment fee + {$0.00} interest Total assessed : {$100.00} in fees and interest on a {$35.00} outstanding balance Basis of Complaint : This {$100.00} in cumulative charges represents nearly XXXX times the underlying balance of {$35.00}. The missed payment was not the result of any negligence or unwillingness on my part it was a direct consequence of XXXXXXXX XXXX closing my account at their sole discretion. I had no intent to miss this payment and no reasonable means to anticipate the account closure. I have been a XXXX cardholder in good standing for over XXXX years with a near-perfect payment history. This was an isolated, involuntary missed payment, yet XXXX applied punitive fees across XXXX consecutive billing cycles without any apparent consideration of my account history or the circumstances involved. I would also note that during this period I was managing serious personal hardships, including significant legal and health challenges. On XX/XX/XXXX, I underwent a major cardiac procedure, which severely limited my ability to actively manage financial matters in the months that followed. Relief Requested : I respectfully request that the CFPB investigate this matter and consider whether XXXX 's fee assessment practices particularly the repeated application of returned payment fees across multiple billing cycles arising from a single incident constitute unfair, deceptive, or abusive acts or practices ( XXXX ) under applicable consumer protection law. I ask that XXXX be directed to reverse the {$100.00} in fees and interest, and that appropriate action be taken to deter similar conduct toward other consumers facing hardship circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
b'I am filing a formal complaint regarding inaccurate credit reporting by Comenity Bank in connection with my XXXX XXXX XXXX account.\n\nI submitted full payment for the entire balance of $XXXX via check, which was mailed on XXXX XXXX XXXX, through XXXX Priority Mail. According to XXXX tracking (Tracking # XXXX XXXX XXXX XXXX XXXX XXXX), the payment was delivered to the creditors processing facility in XXXX, Texas on or around XXXX XXXX XXXX\n\nDespite confirmed delivery of my full payment, Comenity Bank failed to process the payment in a timely manner and reported my account as delinquent. As a result, my credit score dropped approximately XXXX points.\n\nThis negative reporting is inaccurate. I fulfilled my financial obligation in full and on time. The delay in processing the payment is entirely due to the creditors internal handling procedures.\n\nI have contacted the creditor directly and was informed that an investigation has been opened; however, I was told it may take up to 30 days to resolve. Given that they are already in possession of my payment, this delay is unreasonable and continues to cause harm to my credit profile.\n\nI am requesting:\n\n- Immediate correction of all inaccurate reporting with all credit bureaus\n- Removal of any negative marks associated with this issue\n- Confirmation that my account reflects as paid in full as of the date payment was received\n\nI have supporting documentation, including proof of payment and XXXX delivery confirmation.\n\nThis situation represents inaccurate reporting under the Fair Credit Reporting Act (FCRA), and I am requesting immediate intervention to ensure compliance and correction.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Under my rights pursuant to the Fair Debt Collection Practices Act, I am requesting validation of this debt. I dispute this debt in its entirety and request that you provide verification before any further collection activity. Please provide the following : 1. The name and address of the original creditor 2. The full amount of the alleged debt, including an itemization of any interest, fees, or charges 3. Copies of any documentation bearing my signature that show I agreed to this debt 4. Proof that your agency is authorized to collect on this debt 5. Documentation showing the chain of ownership if the debt has been sold or transferred Until you provide proper validation, you must cease collection efforts and refrain from reporting this debt to any credit reporting agencies. If you have already reported this account, I request that you notify those agencies that the debt is disputed. Please note that I prefer all communication regarding this matter to be in writing. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
navy federal closed my business and personal checking accounts do to fraud that I didn't commit which resulted in me being responsible for around {$5000.00} dollars which was paid in full eventually and I was told I could never open another account with them and that I would remain on some type of security list to never be able to reopen a account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, I purchased a high-voltage electric scooter ( XXXX XXXX ) for {$840.00}. The merchant falsely advertised the product with an XXXX Waterproof Certification. ' After purchase, the merchant confessed to me in writing that the XXXX rating is fake and 'not yet certified. ' Furthermore, the unit suffers from a 67 % battery capacity failure ( delivering 18 miles vs. the advertised 55 miles ). I initiated a dispute ( XXXX XXXX ) with American Express XXXX XX/XX/year>, and provided chat logs proving this material misrepresentation. However, Amex recently closed the dispute in the merchant 's favor simply because I refused to ship the item back in standard consumer cardboard packaging. Because the battery has a 67 % defect, it is legally classified as a Damaged/Defective ( DDR ) lithium battery. Shipping a DDR battery in standard retail packaging is a severe fire hazard and a direct violation of DOT safety regulations ( XXXX XXXX XXXX ). American Express ruled that a store 's 'original box ' return policy overrides federal hazardous shipping laws and documented false advertising. I am holding the unit safely for a legal, HazMat-certified pickup, but I refuse to break the law to process this return. I am requesting the Amex Executive Resolution Team review my uploaded evidence and restore my permanent credit of {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Issue : Failure to validate alleged debt and continued reporting of unverified information I am filing a complaint against TD Bank regarding their failure to properly validate an alleged debt associated with a Target credit card account and their continued reporting of this account despite insufficient verification. On XX/XX/year> I sent a formal written dispute and request for validation to TD Bank concerning this account. In my request, I asked for comprehensive documentation, including but not limited to : - A copy of the original credit agreement bearing my signature ; - A complete payment history of the account ; - Documentation showing the date of first delinquency ; - Proof of TD Banks legal standing to collect on this account ; - Documentation demonstrating the procedures used to ensure maximum possible accuracy of the information being reported ; -Chain of Assignment. TD Bank has failed to provide adequate validation of this alleged debt. They have not supplied competent evidence establishing that I have a legal obligation to pay, nor have they provided sufficient documentation to verify the accuracy of the account. Despite this failure, TD Bank continues to report this account to consumer reporting agencies, which is negatively impacting my credit profile. This conduct appears to violate the Fair Credit Reporting Act, including : - 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after receiving a dispute - 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Additionally, to the extent TD Bank is acting as a debt collector in this matter, their failure to provide proper validation raises concerns under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Requested Resolution : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation that the account has been closed and will no longer be reported 3. A complete and proper investigation into this disputed account 4. Cessation of all collection activity unless and until proper validation is provided This matter is time-sensitive due to the negative impact on my ability to secure housing. I expect full compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, I am filing a complaint against Capital One regarding serious and unexplained discrepancies in my checking and savings accounts. Over a recent period, I have identified multiple transactions that are either missing entirely from my account history or do not accurately reflect the movement of my funds. In addition, there are instances where money appears to have been deducted without any corresponding transaction record or authorization on my part. This situation is extremely concerning, as it raises questions about the accuracy, transparency, and security of my financial accounts. I have not authorized any unusual activity, and these discrepancies have caused financial stress and uncertainty regarding my available balance. I have attempted to review my account statements and transaction history, but the inconsistencies remain unresolved. At this time, I am requesting a full investigation into my accounts, including a detailed audit of all transactions, as well as a clear explanation for the missing funds and records. I am also requesting that any missing funds be promptly restored and that appropriate measures be taken to ensure this issue does not occur again. Financial institutions have a responsibility to maintain accurate records and safeguard consumer funds, and I believe this situation reflects a failure to meet those obligations. Please treat this matter with urgency and provide guidance on the next steps for resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: UT

Complaint narrative:
I am a victim of identity theft and did not open or authorize this credit account reported by Self Financial / Lead Bank. I have no knowledge of applying for, agreeing to, or using this account, and I did not provide consent for it to be opened in my name. Despite submitting an FTC Identity Theft Report and disputing this account, it continues to be reported as accurate on my credit file. I requested full account opening documentation, including any signed agreement, electronic authorization records, application details, and identity verification materials used to open and approve this account. These records have not been provided. The account continues to be reported as valid based on furnisher verification rather than verifiable proof of authorization or identity confirmation linking me to the account. As a result, this account remains on my credit report without documented evidence that I initiated or authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX : I purchased a XXXX XXXX XXXX from The XXXX XXXX XXXX ( XXXX, MD ). The contract stated the mileage XXXX. However, upon delivery, I discovered the odometer was higher than represented. I took a time-stamped photo at the dealership to document this discrepancy and there was no buyers guide in the window of the vehicle prior to purchase of the car. XX/XX/XXXX XXXX : I notifiedCredit XXXX XXXX ( CAC ) of this fraud via email and phone multiple times. I provided the photographic evidence with metadata proving the date and location. CAC refused to investigate the primary evidence and insisted I purchase a third-party XXXX report to " prove '' the fraud. When I did not provide the third-party report, they closed my dispute and refused further communication on the matter. Mechanical Failure & Deceptive Warranty Denial : During the warranty period ( XXXX miles ), I reported mechanical issues to the dealers service center. They falsely claimed " nothing was wrong '' and blamed software settings. I have since discovered the timing and serpentine belts were failing. The dealer is now falsifying my mileage recordsclaiming I have driven XXXX miles when I have only driven XXXX avoid paying for these repairs. Current Status : Due to the vehicle 's failure and the dealer 's fraud, I lost my employment and fell behind on payments havent seen my family or daughter since XXXX and Ive been having to physically walk everywhere in a city that Im not from or aware of. Despite being notified of the fraud under theFTC Holder Rule, CAC has placed the vehicle in repossession status. I am currently working with XXXX XXXX XXXX XXXX a criminal odometer fraud case against the dealer.

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 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX now known as bread financial is charging a minimum fee of XXXX dollars for interest that is less than XXXX dollars. While I asked why it was not listed under interest the sales/customer service rep could not explain this to me, but only kept repeating the same thing that if I made consecutive payments for two months that there would be no fee. I paid off the balance in total, so there should not have been interest and should not have been a XXXX dollar fee. I have subsequently closed this account which was a XXXX XXXX card because I believe they are stealing money from people by charging a minimum fee for interest that is less Than the fee amount. To me that sounds like fraud to me. So being as I did not owe XXXX dollars, but was charged XXXX dollars for interest amount of {$1.00} and now Im wondering since I close my account if I would ever see the difference between the fee and my interest. Did I just forfeit {$1.00}? This company has some pretty shady practices and their customer service can not explain their business practices to the customer. Absolutely infuriating and theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
My lender has been collecting approximately {$600.00} per month in excess escrow based on an incorrect assumption that my property taxes were significantly higher than they actually are. The actual tax amount is lower, and as a result, a substantial overage has accumulated in my escrow account. Despite this discrepancy, my lender has refused to conduct an updated ( early ) escrow analysis or adjust my monthly payment to reflect the correct tax amount. I have disputed this issue four separate times and provided information indicating the correct tax obligation, but my requests have been denied each time without a meaningful resolution. As a result, the lender continues to collect more than necessary each month and is holding an excessive escrow balance. I am requesting the following : An immediate escrow analysis based on the correct property tax amount A refund of any surplus funds being held beyond allowable limits An adjustment to my monthly payment to reflect accurate escrow requirements I believe my lender is not properly managing my escrow account and may not be complying with applicable escrow regulations. Please let me know if any additional documentation is needed. I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: IL

Complaint narrative:
On XX/XX/XXXX, I made several purchases from XXXX XXXX which included a mixer. I specifically informed the agent that I had electrical limitations which precludes me from using XXXX items. Imade a purchase for a XXXX XXXX XXXX that is XXXX as I do not have a XXXX XXXX XXXX current in my kitchen and I actually made that known to them. They shipped me a XXXX v instead of a XXXX v item. I tried severally to obtain a remediation number, which they would not provide. Based online reviews, this company perpetuates fraud against consumers by refusing to take back their nonconforming goods because they can count on incompetent and careless disregard by credit card companies that keep them in business and allows them to do this. I had to hire someone to put the mixer on a pallet, buy the shipping materials and told them they had XXXX days to send an Return Authorizations or RA or I will junk their product as I am not a storage facility. I run a bakery and space is limited. I charged just XXXX XXXX return fee for cost of hiring a handy man and materials and storage for XXXX days since they charge XXXX XXXX restocking fee. Cost of equipment {$2400.00} Tax. {$250.00} Restocking fee. {$620.00} Total {$3300.00}. I then sent the dispute to Citibank and they kept requesteing the same information repeatedly. I had provided pictures of the invoice, the picture of the item that was shipped to show they sent the wrong product. Finally on XX/XX/year>, I was informed by Citicards, representative that the company is choosing not to return the amount, hence there is nothing they can do. What os the point of a dispute process? They expected the company to willingly without compulsion to do the right thing? This is insane. Where is the relief for the consumer? No wonder fraud is rampant because these fraudsters know they can count on companies like Citi to do the bare minimum and enable them in their fraud.

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