vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I maintained a checking account with Bank of America in XXXX XXXX, New Jersey, approximately between XXXX and XXXX. During that time, I was charged excessive and repeated overdraft fees, which I now understand may have been assessed using practices that have since been challenged and addressed through legal settlements. I am submitting this complaint to assert my right to review and potentially recover overdraft fees that may have been improperly charged. This request is based on prior settlements and legal actions involving Bank of America related to overdraft fee practices, including issues such as transaction reordering and excessive fee assessment, which were addressed under consumer protection laws and litigation such as the Overdraft Fee Litigation ( MDL No. XXXX ) and related settlements. I respectfully request that my account history be reviewed and that I be informed of any eligibility for reimbursement or relief under these settlements or applicable consumer protection laws.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo regarding identity theft, account closure or restriction, and denial of access to my accounts and dispute process. I am a victim of identity theft. Instead of helping me investigate and dispute fraudulent activity, Wells Fargo restricted or closed my accounts and denied me access to my accounts and online banking without proper notice. Because of this, I was unable to file disputes, upload supporting documents, or fully respond to unauthorized activity affecting my accounts. I was effectively blocked from protecting myself after identity theft. I was not given a fair chance to access my records, submit evidence, or resolve the matter through the banks normal dispute process. This has caused serious harm to me financially and personally. It has interfered with my ability to manage my money, respond to fraud, and preserve my rights as a consumer. I want Wells Fargo to : provide access to my account records, statements, and dispute history explain in writing why my accounts were closed, restricted, or blocked allow me to submit disputes and supporting documents for unauthorized transactions identify whether they reported me to XXXX, XXXX XXXX XXXX, or another reporting agency correct and remove any inaccurate negative information caused by identity theft conduct a fair review of my case as an identity theft victim I am requesting immediate intervention and a written response from the bank.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/XXXX I had an unauthorized transaction. Yes I have multiple phones but on that certain night someone had watched me put my lock code in my phone they waited until I was sleep and took my phone and sent XXXX XXXX to themselves I disputed it with cash app like XXXX days later they said it was a authorized payment. Which it wasn't so then I filled an appeal. Trying to get my money back they wrote me and said they couldn't do nothing because the transaction was authorized. XX/XX/XXXX I had an unauthorized transactions for XXXX XXXX that wasn't authorized by me and it wasn't me that sent it also I disputed it. Waited XXXX days same results so I appealed that also only to get told that it was denied. Now if cash app won't help or do nothing to help ppl get they money back the company needs to be shut down also they have incidents every other day but don't notify nobody email or text. And I been using cash app for some years now I'll say XXXX and out of the XXXX I only had XXXX disputes including these XXXX please help me or get my money back I feel like if I dispute it then I should of got my money back but didn't and that ain't right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am disputing the accuracy of the auto loan account being reported by Western Funding Inc. on my credit report. I requested verification of the balance, payment history, and account status, but the information continues to be reported inaccurately. I am requesting that Western Funding provide full verification of the account or correct/remove the inaccurate information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I was charged twice by XXXX XXXX XXXX due to a malfunction on their payment website. The site displayed an error stating my payment did not process, so I attempted the transaction a second time, resulting in XXXX charges of {$75.00} each totaling {$150.00}. Both charges occurred one minute apart at XXXX XXXX and XXXX XXXX, confirming this was a website error and not XXXX intentional payments. XXXX XXXX XXXX verbally acknowledged the website error and promised a refund. No refund was ever issued. On XX/XX/year>, I contacted Chime to dispute both charges. A Chime representative advised me to only file one dispute because a refund from XXXX XXXX appeared to be processing. I followed that advice in good faith. That refund never came. Chime has now denied all disputes Claim # XXXX, # XXXX, and # XXXX totaling {$150.00} with no adequate explanation and no money returned. This is a violation of my rights under Regulation E as both charges were erroneous electronic funds transfers caused by a merchant website malfunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account reported by Security Credit Services. This account was previously removed from my credit report between XXXX XXXX XXXX but was later reinserted with inconsistent and conflicting information. The account shows different open dates across credit bureaus ( XX/XX/year> and XX/XX/year> ), which is inaccurate. I have proof that payments were still being made on this account, including documented payments as late as XX/XX/year>, and a confirmed payment arrangement with the original creditor. Despite this, the account was reported as a collection and reinserted without proper validation or consistent reporting. I requested validation of the debt, including the original contract, full payment history, and proof of when the account was legitimately sent to collections, but this information was not properly provided. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting and improper reinsertion of a previously deleted account without proper notice or verification. I am requesting a full investigation and removal of this account from my credit report, or correction of all inaccurate information immediately. Additionally, I have attached email correspondence dated XX/XX/year> showing that the original creditor was actively working with me to establish a payment plan, which I agreed to. I also have proof of a payment made on XX/XX/year>. This directly contradicts how the account has been reported as a collection and raises concerns about inaccurate reporting and premature placement with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Universal Account Servicing, LLC
State: NY

Complaint narrative:
I am filing this complaint against Universal Account Servicing , LLC / UGA Finance as the servicer on my account. On XX/XX/year> I was deliberately deceived by an XXXX sales representative into signing what I believed was a simple monthly oil subscription for a XXXX diffuser. The representative explicitly promised the machine would cost only {$200.00} or be free with the oils, that I had a XXXX trial, that if I canceled within the first year I would only pay the full machine price and be done, and that after XXXX year the machine would be completely mine with no further charges or obligation whatsoever. I was rushed through some papers and links and signed them thinking I was only enrolling in a subscription. At no point was I told that these papers were actually taking out a XXXX high-interest loan in my name through XXXX XXXX XXXX at 16.99 % APR with fixed non-cancellable {$110.00} monthly payments locked in for three full years. I was deceived into signing documents that created a loan without my knowledge or understanding. I specifically waited the full year, paid every single {$110.00} payment on time, and only then tried to cancel. I have called and messaged customer service numerous times over the past several weeks to end this civilly and received no resolution. XXXX and UAS now refuse to cancel, claiming I am locked into the XXXX term on a contract I was never properly informed about. The XXXX machine is defective it has already failed twice, required replacements, and continues to break. I am not interested in spending any more time on the phone for support or dealing with more broken units. I have unused oils I do not want and I am ready to return the machine and all remaining items at their expense. As the servicer managing this loan you are responsible for the fraudulent conduct of the seller. I am NOT requesting any refund of payments already made. I only demand the immediate full cancellation of the remaining balance on Loan # XXXX going forward so all future {$110.00} payments stop immediately, the account is permanently closed with no negative credit reporting whatsoever, and I receive written confirmation that the matter is fully resolved. I will return the machine and unused oils once a prepaid return label is provided. This is fraudulent misrepresentation and deceptive sales practices. Please require Universal Account Servicing , LLC to cancel the remaining balance and close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX I'm unware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, pleasse provide certified mail with receipt displaying my signature. if not, please delet account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Description to paste ( copy the block below, don't include the backticks ) : I paid off my federal student loans through MOHELA and never missed a payment. In approximately early XXXX, an autopay transaction duplicated a {$100.00} payment on Loan 1-05 ( Direct Unsubsidized ), creating a credit balance of negative {$100.00} on that loan. I have contacted MOHELA on multiple occasions to request a refund of the overpayment, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( and several times by phone ). Over XXXX year later, MOHELA has not refunded the overpayment. My account summary currently shows Loan 1-05 with a balance of negative {$100.00}. I have since paid off ALL of my loans in full except one in the amount of {$100.00} because all the interest that has accrued form my negative {$100.00} balance account and all the time I've spent trying to contact them should result in them simply paying off all loans on my account.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, when I was XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, of Supreme Court, XXXX XXXX, New York, issued an Infant 's Compromise Order, that directed settlement of a personal injury case I had that had been brought on my behalf by my father, XXXX XXXX. The Court Order, directed that the insurance company issue a check for {$9600.00} and that it be deposited in a high yield interest bearing account for the sole use and benefit of XXXX XXXX, in the name of the guardian, my father XXXX XXXX, jointly with an officer of Chase Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, New York. The Court Order further provided that no withdrawal could be made before I reached the age of XXXX and that the money could only be paid to me, XXXX XXXX, upon proof of identification and age. On XXXX XXXX, a check for {$9600.00} was issued by XXXX XXXX XXXX and given by my father 's attorney, XXXX XXXX XXXX, XXXX, to my father XXXX XXXX, along with a copy of the Court Order. Sometime in XXXX of XXXX, my father went to the Chase Bank branch in XXXX XXXX, New York, to open the account and deposited the funds under Account No. XXXX. Around XXXX of XXXX, I went to the Chase Bank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, to withdraw the funds but was shocked to learn that the money and been withdrawn and the money was gone. Upon inquiry, the branch manager, XXXX XXXX, informed my attorney, XXXX XXXX XXXX, XXXX, that the account had been set up as a trust account in the name of my father, XXXX XXXX, and was under his control to withdraw the funds. It had not been set up, as directed by the Court Order, as a special infant 's account, for my sole use and benefit, whereby no-one could have withdrawn the funds except me upon reaching the age of XXXX. An error had been made by the Chase Bank officer who opened the account and the Court Order had been violated to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LCS FINANCIAL SERVICES CORPORATION
State: CA

Complaint narrative:
Few years ago I mase a contract with XXXX XXXX XXXX to help me get out of a timeshare contract out of XXXX XXXX but no service was ever provided. the timeshare company reached out to me last year and cancelled my timeshare after agreeing that I paid them for the paperwork which I did! XXXX XXXX DID NOT provided me with no service whats so ever! so, now they hired a collection agency called LCS Financial Services Corp. Centennial COLORADO to collect {$3900.00} .. money I DO NOT OWE THEM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Subject : Cease and Desist Notice - Reference Account Number : XXXX Dear TSI., I am writing to formally demand that you cease and desist all communications and collection activities regarding the above-referenced account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), Iam exercising my right to request that you stop all further contact with me regarding this matter. Additionally, I hereby request that you provide the following documentation for verification purposes : Forward Flow Agreement A copy of the agreement that details the terms under which this debt was transferred or sold to your agency. Chain of Assignment Complete documentation that establishes a clear line of ownership, including all prior owners of the alleged debt from the original creditor to your company. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Proof that you are licensed to collect in my state. and. Your license numbers and Registered Agent. If you believe this debt is valid, I request that you provide written validation of the debt, including documentation supporting your claim. However, you are prohibited from engaging in any further communication with me except to confirm receipt of this notice or to notify me of any specific legal action you intend to take. Failure to comply with this request may result in legal action against your company for violations of the FDCPA and any other applicable laws. Any further unauthorized collection attempts will be documented and reported to the appropriate consumer protection agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect your immediate compliance with this request. Please provide written confirmation that all collection efforts on this account have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
A collection account is being reported and pursued without proper validation. The amount associated with this account has materially changed across different reports and communications, with no consistent or verifiable accounting provided. Despite disputes and requests for validation, the company has failed to provide documentation supporting the debt, including the original creditor, itemized charges, dates of alleged obligation, or any agreement bearing my signature. The account continues to be reported as accurate while no sufficient evidence has been produced. This raises concerns regarding the accuracy and integrity of the information being furnished and the basis for collection activity. Additionally, the balance has been adjusted without explanation, which further calls into question the reliability of the reported amount. No documentation has been provided to justify these changes. I am requesting that the company provide full validation of the alleged debt, including all supporting documentation and a clear accounting of the balance. If such documentation can not be produced, the account should be removed from all reporting and collection activity should cease. Additionally, there are discrepancies regarding the date associated with possession and responsibility for the unit. Available evidence indicates that the timeline being reported does not align with the actual date of surrender. Any charges or amounts calculated beyond the date of possession require full verification and documentation. Please provide the following : 1. The exact date the account was opened, transferred, or assigned to your company. 2. The original creditors full name and address. 3. A complete itemized ledger showing how the balance was calculated, including all dates charges were incurred. 4. Documentation supporting the date of possession used to calculate any alleged balance. 5. A copy of any signed agreement, lease, or document bearing my signature establishing liability. 6. Proof of your legal authority to collect on this account, including chain of assignment if applicable. 7. An explanation for any changes in the reported balance across different reporting agencies or communications. If this information can not be produced, the continued reporting and collection of this account may constitute inaccurate reporting and misleading representation under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, pleasse provide certified mailwith receipt displaying my signature .if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Subject : Repeated Failure by Citibank to Provide Credit Card Statement Citibank has failed to provide my monthly credit card statement despite approximately 10 separate requests. I did not receive my most recent statement, even though I paid off the balance during that billing cycle. Since then, I have contacted customer service multiple times and was repeatedly promised that the statement would be emailed to me within 24 hours. No statement has been delivered. This is a basic banking obligation. Citibanks repeated failure to provide a billing statement, along with inaccurate assurances from their representatives, is unacceptable. Requested resolution : Immediate email delivery of the missing statement ( PD F ) Written confirmation explaining why the statement was not issued or sent Assurance that this issue will not recur

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