vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Under went loan modification XXXX for a new 32 year loan with the amount of {$460000.00}. XXXX M & T bank changed the loan amount to {$430000.00} ultimately decreasing my credit amount by {$26000.00}. I started a dispute XXXX and it was investigated and reported back with no changes. I requested the loan modification documentation that was signed by myself, my wife, and XXXX XXXX ( M & T bank Assistant Vice President ) agreeing to the new loan amount of {$460000.00} on XXXX. My credit has been reflecting the new amount until altered on XXXX. Called M & T bank XXXX where no one could provide information as to why it was changed, who made the change, why it was altered, and how long it would be to fix the issue.

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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, a vehicle transaction was processed through a dealership ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and financed through Ally Financial. I was not provided the opportunity to review or approve any retail installment contract or add-on agreements. The only documents shown were limited DMV/title forms. During the process, I was sent a one-time PIN and instructed to read it back. I was not informed that this PIN would authorize legally binding agreements, nor did I enter it myself. I was then asked to sign blank signature fields, and I believed I was signing only the visible documents. On XX/XX/XXXX, after receiving notice of the loan, I contacted Ally Financial because the financed amount ( {$22000.00} ) was significantly higher than expected, and no contracts had been provided. I later obtained documents showing my name and signature on agreements I never reviewed or authorized, including add-ons totaling {$4300.00} ( service contract and GAP ). Within one hour of leaving the dealership, the vehicles check engine light activated. By approximately XX/XX/XXXX, the vehicle became inoperable. I incurred costs for diagnostics, towing, and insurance. After disputing the transaction on XX/XX/XXXX, and continuing follow-up into early XXXX, the add-ons showed irregular activity. Following media coverage on XX/XX/XXXX, both add-ons were repeatedly canceled, reinstated, and backdated without my authorization : * Service contract ( ~ {$2800.00} ) voided, reactivated ( XX/XX/XXXX ), then canceled again ( XX/XX/XXXX, retroactive date ) * GAP ( ~ {$1500.00} ) canceled ( XX/XX/XXXX ), reinstated ( XX/XX/XXXX ), then canceled again ( XX/XX/XXXX ) On XX/XX/XXXX, Ally Financial credited {$4300.00} after the dealership failed to respond to refund inquiries, indicating the add-ons were not properly validated. I have paid approximately {$2500.00} toward this loan and incurred additional expenses, with a negative credit impact. I dispute this loan due to a lack of informed consent, unauthorized use of my electronic signature, and post-transaction manipulation. I am seeking cancellation of the loan, correction of credit reporting, and reimbursement of all losses.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One regarding my Capital One checking account, which was unilaterally closed by Capital One on XX/XX/XXXX. After the account was closed, I called Capital One customer service in XX/XX/XXXX. I was told that my account was under investigation and that the investigation would take approximately three months to complete. On XX/XX/XXXX, I called Capital One customer service again. During that call, the representative told me that Capital One could convert the remaining balance in my closed checking account into a check and mail it to me. The representative also confirmed my mailing address with me over the phone. Based on that confirmation, I reasonably expected Capital One to send me a check for the remaining account balance. However, as of today, XX/XX/XXXX, I still have not received any check from Capital One. Today, XX/XX/XXXX, I called Capital One customer service again to follow up. This time, I was told that Capital One could not mail the check to me and that I would have to go to a bank branch in person to receive the funds. This is extremely unreasonable and unacceptable. Capital One previously confirmed over the phone that my remaining balance could be issued as a check and mailed to me. I relied on that information and waited for the check, but after a long delay, Capital One changed its position and refused to mail the check. This has caused me serious inconvenience, wasted my time, and prevented me from accessing my own funds. I believe Capital Ones handling of this matter is unfair and misleading. If Capital One was unable or unwilling to mail the check, it should not have told me on XX/XX/XXXX that the balance could be converted into a check and mailed to my confirmed address. Capital Ones inconsistent information and delay have caused unnecessary hardship and have effectively prevented me from receiving my remaining account balance in a timely manner. I am requesting that Capital One immediately issue a check for the full remaining balance of my closed checking account and mail it to my confirmed mailing address. I also request that Capital One provide a written explanation of why the check was not mailed after the XX/XX/XXXX phone call, and why I was later told something different on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I received a phone call that appeared to be from my bank, but it was later determined to be a scam. After answering the call, not giving out any information, my account was compromised without my authorization. A total of {$2500.00} was transferred from my bank account to my XXXX XXXX account and then sent out without my consent. I did not initiate or authorize these transactions. I immediately reported the incident to my bank and requested a fraud investigation and reimbursement of the stolen funds. My bank denied my claim, stating that the transfer to XXXX XXXX was authorized, and advised me to seek reimbursement from XXXX XXXX instead. However, this was part of a scam and not a legitimate or authorized transaction. I am requesting that the bank properly investigate this as fraud and reimburse the {$2500.00} in unauthorized transactions as I was a victim of a scam. The call appeared to come from the bank 's official phone number, which contributed to the deception. After discovering the fraud I took immediate action to secure my accounts by closing my compromised checking account and Cash App account and opened a new checking account to prevent further unauthorized activity. I have also filed a police report regarding this incident and can provide documentation if needed.

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 2026-04-28 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: NY

Complaint narrative:
Im part of the Sweet v. McMahon settlement. I have not received my eligibility notice and the deadline has passed. Mohela is still reporting the loans as mine with late payments on my credit report. The credit bureaus have stated that Mohela is verifying and confirming the debt even though Mohela has been notified that the debt is invalid. Ive sent multiple dispute letters to XXXX XXXX XXXX and filed a CFPB complaint, and theyre still ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Southwest Acceptance Finance Co
State: FL

Complaint narrative:
I am 1 week behind on my biweekly car/auto loan and tried to make payment over the phone with the supervisor at the loan company. She denied my payment and said I had to pay for the upcoming biweekly payment that is not due until Friday ( 3 more days ) along with the past due payment that she would not except. She has put my car on collections and on repo list.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: MI

Complaint narrative:
my account was charged after i already moved out of the apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
I am submitting this complaint regarding a closed XXXX credit card account with Synovus Bank ( ending in XXXX ) that continues to create financial hardship due to high interest charges and lack of meaningful assistance. This debt originated during the COVID-19 pandemic, a period in which I experienced approximately two years of XXXX. During that time, I used the credit card for basic necessities, including food and essential living expenses, while waiting for XXXX benefits. I have not used this account since that period, and it is now closed. The current remaining balance is approximately {$1900.00}. Despite making consistent payments of approximately {$70.00} or more per month, I continue to be charged roughly {$30.00} {$40.00} in interest each month, which significantly limits my ability to reduce the principal balance. I contacted Synovus customer service on XX/XX/year> ( two calls at approximately XXXXXXXX XXXX and XXXXXXXX XXXX ). During these calls, I requested hardship assistance, including interest reduction or a structured repayment plan. I explained that while I am able to make payments above the minimum, the interest charges prevent meaningful progress. The representative advised that because I can make minimum payments, I do not qualify for hardship assistance. This response did not address my request for interest relief or a structured repayment solution. Additionally, I was given vague statements suggesting hardship options could negatively impact my credit score, without clear explanation of how such reporting would occur or what the impact would be. I am requesting that Synovus Bank : Review my account for hardship assistance or a structured workout plan Reduce or eliminate the interest rate on this closed account Provide a fixed repayment plan that allows payments to meaningfully reduce the principal balance Clearly explain any credit reporting impacts of any proposed assistance programs I am making a good-faith effort to repay this debt. However, due to ongoing interest accumulation, the current structure is not sustainable and prevents me from resolving the balance despite consistent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I disputed a {$6000.00} charge from XXXX for goods that were not as described, and the dispute was previously resolved in my favor by Chase. Months later, the merchant re-presented the charge, and the {$6000.00} was re-applied to my account. I contacted Chase to address this, but I was told that nothing could be done because the issue is outside of the 180-day dispute window. However, this is not a new dispute. This is a re-presentment of a previously resolved chargeback. I am attempting to respond to the merchants challenge, not initiate a new claim. Chase has refused to review the case properly or allow me to submit supporting documentation in response to the re-presentment. As a result, I am being held responsible for a charge that was already investigated and resolved in my favor. I am requesting that Chase reopen or properly handle this case as a chargeback reversal and allow me to provide evidence to defend the original dispute decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding an alleged debt that was originally with XXXX XXXX and has now been transferred to XXXX XXXX XXXX XXXX XXXX. I dispute this debt in its entirety. I received notice that XXXX XXXX sold the account to XXXX XXXX XXXX. However, neither XXXX XXXX nor XXXX XXXX has provided sufficient documentation to verify the accuracy of the alleged balance or their legal right to collect. I have formally requested validation of this debt, including a complete accounting of the account, but this information has not been provided. Specifically, I have requested : - A full general ledger of the account from inception to charge-off - Documentation showing how the alleged balance of {$470.00} was calculated - Proof of assignment and full chain of title - A copy of the original agreement bearing my signature - Documentation showing whether any credit balance existed and, if so, where those funds were disbursed Additionally, under the Truth in Lending Act and Regulation Z 12 C.F.R. 1026.11, if a credit balance exists on a closed account, the creditor is required to refund any amount over {$1.00}. Neither XXXX XXXX nor XXXX XXXX has provided documentation confirming whether such a balance existed or that any required refund was issued. Despite this dispute, there is concern that this account may be reported, updated, or verified with consumer reporting agencies without proper investigation. Furnishing inaccurate or unverified information violates the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ). Further, I have issued a cease and desist under the Fair Debt Collection Practices Act 15 U.S.C. 1692c ( c ). Any continued communication, including reporting to consumer reporting agencies, may constitute a violation of federal law. At this time, both XXXX XXXX and XXXX XXXX XXXX have failed to provide adequate validation of the alleged debt and have not addressed the discrepancies raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. Equity Advantage Holdings, Inc.
State: TX

Complaint narrative:
I was fraudulently signed up for third party loan payments by XXXX XXXX in XXXX texas and autopayplus. They used pretextiing to sign me up by having me give XXXX XXXXXXXX XXXX XXXX a code that came to my phone. XXXX XXXX told me it was to set up payments with my loan company, he did not ever mention any fees or charges for this service. I later found out I was charged XXXX plus tax for this service. I never agreed to pay this, but it was taken from my account and when I later asked for a refund they refused and continue to refuse to return my money. They have not been making that payment for me and still continue to keep my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I acquired a bed from XXXXXXXX XXXX XXXXXXXX through a company named Acima. Payments were automatically deducted bi-weekly on XXXX. The company indicated that payments were missed, allowing them to impose additional fees. They also included a charge for a service called Acima Benefits Plus, of which I was unaware. Furthermore, the company claims that I am delinquent in my payments, which is not the case. The total cost for the furniture is twice the amount we initially agreed upon. I spoke with a representative at Acima who mentioned that it is typical to pay double, a condition I would never have consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I applied for a HELOC in XXXX. At that time I was not required to have XXXX Insurance on my property. IN XXXX I received a letter that said I cancelled my I wind insurance which I did not because I never had it. THe letter was dated XX/XX/XXXX but I received it XX/XX/XXXX. I immediately started looking for XXXX insurance since when I contacted PNC they said there was noting they could do. did received a policy dated XX/XX/XXXX. When I finally applied for the insurance I had to wait XXXX day. Therefore PNC knew I acted in a timely manner. I do not think this is a fair practice to force insurance payment on someone when I never had it I DIDNOT cancel it. I called my local PNC branch and they said they do not require windstorm on their new HELOC loans. PNC said since I do not have a first mortgage that the HELOC i received is considered a first mortgage,, but they knew that in XXXX when going through the underwriting process. I find this fraudulent and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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:
I am filing a complaint regarding a dispute handled by Citibank. i disputed charges for merchandise that i purchased on XX/XX/year>. I contacted the merchant to cancel the transaction. I refused delivery multiple times and ddid not accept or use. I made repeated good-faith efforts to return all shipments. Despite my refusal, the merchant continued sending additional shipments and did not provide a straightforward return process. I provided Citibank with a detailed chronology, tracking records showing refused and returned shipments and all communications with the merchant. These records clearly show that I did not accept the merchandise and attempted to return it. However, Citibank ruled in favor of the merchant, relying on proof of shipment and signed documents without properly considering the documented refusal of delivery and repeated return attempts. I am requesting that Citibank conduct a full reconsideration of this dispute, taking into account the complete record demonstrating that i did not receive or retain the merchandise and that the merchant obstructed the return process.

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I am filing a complaint against Huntington National Bank regarding a duplicate withdrawal caused by what bank representatives described as a system error. I had a {$100.00} Standby Cash balance that was not due until XX/XX/year>. I made an early payment in full for the {$100.00} through my Huntington account. The payment was removed from my account, but afterward the system still showed that the payment had not been made. Because the system continued showing the payment as unpaid, I added more money into my account and attempted to make the payment again. Huntington then withdrew a second {$100.00} payment even though only XXXX payment of {$100.00} was owed. The duplicate withdrawal has now fully cleared. Because Huntington removed an additional {$100.00} from my account, my account is now overdrawn. Huntington has informed me that the duplicate payment will not be returned until XX/XX/year>. During this delay, my account remains negative because of Huntingtons error, and I am now at risk of repeated overdraft fees and additional late fees on other transactions solely because the bank took money that did not belong to them. I contacted customer service multiple times. XXXX representative acknowledged this appeared to be a system glitch. I requested a manager and asked to file a formal complaint. I was placed on hold for an extended period, never received a callback, and on a later call a supervisor disconnected the call after I stated I intended to file a complaint with the CFPB. Huntington has admitted the duplicate withdrawal appears to be caused by its own system, yet the bank is refusing to immediately return my money or protect my account from additional fees while I wait for their correction. I am requesting that Huntington : 1. Immediately return the duplicate {$100.00} payment 2. Reverse all overdraft and late fees caused by this error 3. Prevent any additional fees while this matter is unresolved 4. Restore my account standing and Standby Cash eligibility 5. Provide written confirmation of the correction and investigation

Company response to consumer: Closed with explanation