vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
YOUR COMPLAINT I called XX/XX/XXXX to pay off my car loan, XX/XX/XXXX was when the payment came out of my account, I was waiting on the title after being told I should receive it 10 days after that payment comes out. I have a sale pending on the car and called them today XX/XX/XXXX to see where my title was, I was then told it would take 6-8 weeks and that my account didnt close until XX/XX/XXXX, I asked where in the process my title was and couldnt get an answer on that. I atleast checked on my XXXX website XX/XX/XXXX in Ohio because we do have electronic lien release and it still says on the XXXX site that my lien is still active and that they have not even released the lien yet so I cant even finish the sale of my car because they still havent even released it. XXXX Today I reached out to the company for a lien release letter since being told it would be 6-8 weeks on the title, again I was given the run around on getting this letter and talking about the title taking 6-8 weeks. Again I called to get a lien release letter faxed to my title office it was brushed off and they did not even ask for the information required for this letter and could not get an answer on timing of this letter as I do have a pending sale on this car. They could email it to me or even fax it but they didnt even ask for the fax # needed to get this done. If its too much for their poorly ran business to do to fax it there they could at least email it to me. The last response was pushing responsibility off of themselves and blaming it on check clearing time, bmv processing and their own mailing delays. In the year XXXX this XXXX poor company is still using paper titles when 30+ states have this option maybe its time to update your systems so you arent out here screwing people over on property that is theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I was contacted by a person named XXXX stating she was with a law firm stating that she has a case opened from Total Visa and they have a court date for me and that I will have my wages garnished 30 %. I told her that I will contact the nc Attorney Generals office and report her for harassment and she said what are they gon na do? She then contacted my father and harassed him which was completely unacceptable. I have blocked the number and told my father to do the same. They have been repeatedly calling me and leaving me threatening messages. The number they are calling from is XXXX.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed my Bilt credit card was not able to make any purchases so I called customer service and asked for a reason. I was told my account is locked due to suspicious activity and was asked to provide informations to the security team who can verify my identity in order to unfreeze/unlock my card. On XX/XX/XXXX, I received an email requesting for a certain type of selfie that showed myself holding my government issued ID. I immediately sent it back to the credit card team with what they requested. On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have called their number and emailed the credit card company multiple times to follow up. Every time the answer they provided is the same, as they are still looking into the issue and no estimated timeline they can provide me. As of today, after a month, my card is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Pinnacle Lending Group, Inc.
State: NV

Complaint narrative:
I DON'T WANT A LOAN. I DO NOT NEED A LOAN. I NEVER REQUESTED OR APPLIED FOR A LOAN. THERE SHOULD BE NO LOAN APPLICATION IN THE " WORKS '' FOR ME ANYWHERE. I receive calls every day since XX/XX/year>. Sometimes they call up to 4 times a day, but I get a call at least XXXX a day. These calls are robocalls claiming to be some financial institution or lending or funding corp whatever. I file with the FTC and XXXX. I am on the do not call list. I block their number, and report it as spam on my iphone. I have XXXX. They just call the next day with a different number. It's the same robocall voicemail just with a different call back number. I'm hoping maybe you can look into this. I've received the most calls from a XXXX XXXX XXXX. They also call claiming to be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can't even find any information about these lending companies or banks or whatever, and I have not applied for a loan with them or anyone for which I would be waiting for a response in the past year. Today it was XXXX XXXX - again - I've never heard of them and I never filed an application. I have an XXXX sheet documenting all the calls and voicemails I have been able to record with the time, date, numbers they called from, the numbers they request I call back, and if there is a financial institution name they include, I note that as well. I also have recorded any FTC claim numbers in my sheet. They call every day claiming to be a different company- but it's the same thing. The transcription of the voicemail from today says " The documents prepared for signature. Hi this is XXXX calling from XXXX XXXX concerning your unsecured personal loan application. We've gone ahead and preapproved you for up to {$30000.00} and we're looking at payments around {$270.00} a month. I'd like to discuss the details with you and address any questions before we get the documents ready. Feel free to give me a call back at XXXX whenever you have a chance. Once more, the number is XXXX. Looking forward to helping you out. Talk soon. '' Some are even crazier like offering {$60000.00} for {$450.00} a month. Yea right. Something needs to be done. They call before XXXX XXXX sometimes, and even after calling them back and pressing XXXX to be removed from the list, they still call.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I submitted a written request via verified mail for more information about this alleged debt and have not received a response. USPS confirmed delivery of the letter on XX/XX/year>. I have received no communication from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: OH

Complaint narrative:
I receive Social Security benefits through a XXXX XXXX prepaid debit card account administered by Comerica Bank. Beginning around XX/XX/year>, the card stopped functioning and I have been unable to access my federally deposited benefit payments. At this point, approximately 2.5 months of Social Security benefits have accumulated in the account and remain inaccessible. I have made repeated attempts to contact XXXX XXXX customer service, including extended hold times and multiple calls, but have been unable to obtain a clear resolution or timely access to the funds. This situation has created significant financial hardship because these Social Security payments are my primary source of income for essential living expenses. I am requesting immediate assistance with : * restoring access to the account funds, * issuing emergency access to the deposited benefits, * or transferring the account balance to my bank account or by check without further delay. I also request a clear explanation for why access to the account has been restricted and what specific steps are required to resolve the issue permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am a XXXX XXXX XXXX XXXX with over XXXX years of qualifying employment under the XXXX XXXX XXXX XXXX ( XXXX ) program. My loans are serviced by MOHELA ( total balance {$78000.00} across XXXX loans ). I have experienced the following servicer failures : MISREPRESENTATION REGARDING SAVE FORBEARANCE. A MOHELA representative explicitly told me that my {$0.00} SAVE plan payments would count as qualifying payments toward my XXXX XXXX payments. I documented this call contemporaneously, including the representative 's name and date. I relied on this representation in good faith. Approximately XXXX XXXX ( XX/XX/XXXX through XX/XX/XXXX ) are not counting toward my qualifying payment total, directly contradicting what I was told. I was placed in this forbearance involuntarily I did not request it. UNDERCOUNTED QUALIFYING PAYMENTS. My current count is XXXX/XXXX despite continuous full-time employment at qualifying public schools since XX/XX/XXXX first at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX, and currently at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both employers have been certified as qualifying. I have an active FSA Reconsideration Case # XXXX disputing the count. XXXX ECF REJECTION OVER DATE FORMATTING. XXXX Servicing rejected my XXXX XXXX XXXX in XX/XX/XXXX because an employer begin date used the wrong date format ( dashes vs. slashes ) a minor formatting issue, not a substantive error causing qualifying payments to go uncredited for an extended period. INACCESSIBLE CUSTOMER SERVICE. Repeated attempts to resolve these issues by phone resulted in multi-hour hold times, a callback system that never called back, and on multiple occasions representatives disconnected calls without resolution. INCOMPLETE PAYMENT HISTORY. In response to my payment history request, MOHELA provided XXXX letters dated XX/XX/XXXX. The first showed all payment columns blank for their entire servicing period with a summary reading " NO PAYMENTS. '' The second provided XXXX pages of prior servicer history ( approximately XXXX XXXX XXXX ) but MOHELA 's own servicing period remained completely blank throughout both letters. I have filed complaints with the FSA Ombudsman ( Reconsideration Case # XXXX ), the Michigan Attorney General ( Case # XXXX, which referred me to the CFPB ), and sent a cease telephone communication letter to MOHELA via certified mail delivered XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 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: IA

Complaint narrative:
b'I opened my Wells Fargo Active XXXX XXXX XXXX Card on XX/XX/XXXX.\nI have an impeccable on time payment history and continued to pay off balances repeatedly. I have an outstanding credit score of XXXX. I utilized my WF credit card for daily purchases and automatic payments for the 2% cash back rewards over the last 2 1/2 years.\n\nOn XXXX XXXX XXXX XXXX, I went to use my WF credit card and it declined the purchase. I opened my WF Credit card app, and it stated ACCOUNT IS CLOSED. I immediately called WF card services and it was stated to me they sent a letter on XXXX XXXX XXXX with explanation. I received the letter and it DID NOT state the specific reason as to why WF closed my account. \n\nI called again to WF card services and stated I wanted the specific reason as to why my account was closed. The XXXX spoke with their team lead, and I was told they did not have the reason as to why my account was closed.\n\nI escalated the matter to executive office and again, I was not given as to WHY my account was closed within their letter and they simply resent the original letter dated XXXX XXXX.\n\nMy account was closed unjustly, without merit or justification! Wells Fargo took the entire Rewards amount I had accumulated in the amount over XXXX! My rewards are implemented on the XXXX of each month and WF unethically without valid reason or notification, closed my account on XXXX. \n\nWith this WF bank-initiated Closure of my account, my credit report is going to be negatively impacted IMMENSELY!'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened a Chime account through a XXXX promotional offer for a {$350.00} bonus. I successfully completed the required direct deposits. I was subsequently informed via the app of a requirement to activate a physical debit card in order to receive the bonus. This requirement was not clearly disclosed at sign-up. Because I was traveling internationally, I contacted Chime support via in-app chat to explain my situation. The Chime representative explicitly stated in writing that my deadline was extended. They assured me that after I activated the card, I would receive the {$350.00} bonus, regardless of the original date. Relying on this official representation, I went to great lengths to have a friend retrieve my card and send me the info so I could activate it. XXXX weeks later, after seeing that the bonus had still not posted to the account, I reached out again, and the in-app agent also confirmed, " I've reviewed your account and confirmed that you've successfully enrolled in the {$350.00} promotional bonus. It looks like you've met the key milestones, including the qualifying {$200.00} direct deposit and the activation of your physical card. In this case I need to transfer you to a specialized department that can credit the bonus in your account. '' Despite fulfilling all requirements and the agreed-upon extension, Chime is now refusing to honor the bonus. Today, a supervisor dismissed the clear evidence of these chat logs after her agent suggested I " call XXXX, '' which is a deflection. Chimes refusal to honor the written promises made by their own authorized agents constitutes a failure to provide the promised promotional funds. I have screenshots of the entire chat history proving the extension was granted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As far as I remember I paid my bill on time. They sent me a bill with a late fee on it. I paid {$30.00} for the late fee which I didn't think I owed. But I paid it. I have a written a letter to XXXX XXXX XXXXXXXX and Comenity Bank said that I paid the late fee late. Comenity Bank sent me a letter that I should call them and I did call them and they just wasted my time. They told me the late fee was XXXX and I paid XXXX. It says XXXX on the envelope. If I knew it was XXXX I would have paid XXXX. I now have a {$180.00} late fee. This fee is just on 1 item! which I feel I paid on time. I said I would be willing to negotiate. They didn't. I would like to see paperwork how they came up with this late fee. I would like to settle this matter. Comenity Bank is a disgraceful company. I am a XXXX years old, and I can not deal with his matter. Please help me resolve it. I would pay them but I would like to see paperwork that I owe them the late fee. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
i have attached 2 complaints. i attempted months ago to address this iissue yet this agency took no action and the bank continued to come down upon me and now i am in a crisis i have done nothign wrong yet am at risk of losing my home! i asked over the phone for information regarding my previous complaint and was hung up on by a woman who pretended she had no idea what i was talking about. this is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding Capital Ones handling of my fraud dispute involving a charge from XXXX in the amount of {$1200.00} posted on XX/XX/year>. Capital One concluded that the transaction was valid and belongs to me, yet failed to provide any meaningful explanation or supporting evidence for that determination. In their written response, the company explicitly stated that they were unable to provide any documentation. I find this extremely concerning. A financial institution should not be able to deny a fraud claim involving a significant amount of money while refusing or failing to provide the documentation, investigative findings, or evidence used to reach that conclusion. The response I received was largely generic language regarding interest charges and cardmember agreements, rather than a detailed explanation of the actual fraud investigation. At this time, I still dispute the transaction as unauthorized and continue to question the adequacy and transparency of Capital Ones investigation. I respectfully request that Capital One provide : * The basis for determining the transaction was authorized. * Whether the transaction involved chip insertion, tap-to-pay, manual entry, or any PIN verification. * Any receipts, merchant records, or investigative documentation relied upon. * Any evidence connecting me personally to the transaction. * A detailed explanation of how the conclusion was reached. A consumer should be allowed to understand the evidence used against them when a fraud claim is denied, especially when the institution claims certainty while simultaneously stating that no documentation can be provided. I am requesting a proper reinvestigation of this matter and a more transparent explanation of Capital Ones findings. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/year>, I deposited funds into a Marcus by Goldman Sachs account. I was unable to access the account and contacted Marcus approximately ten days later for assistance. On XX/XX/year>, I was informed that my account was being closed and that I would receive my deposited funds within 10 business days. As of XX/XX/year>, well beyond the stated timeframe, I have not received my funds. When I contacted Marcus again, I was told that the account closure has not yet occurred and that there is no timeline for returning my money. Marcus refuses to provide any explanation or estimated date for the release of my funds. I am requesting immediate release of my funds or a confirmed, written timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
Last week my phone broke on me by cutting off and never cut back on again, I woke to go use a insurance claim but was unsuccessful, had it get a whole tire new phone with new service, fast forward to yesterday I called cahsapp twice, to try and recover my old account using my log in credentials but was denied by the device, they said the wound call me the next day to help me recover and they never called, I called twice today expecting help, but all they did was tell me we sending a email enter you're login information for you're account which failed as well, I called back they said they could not send me a email for account recovery which also XXXX, they are acting like they are leading me on and making me jump through hurdle just to say the can they can help me mean while I have direct deposit with my money stuck. I will take legal action because y'all know better then to do bad service y'all are going to get hurt real badly.

Company response to consumer: Closed with explanation