vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX 's contract is legally unenforceable and deceptive. The Argument : Under 38 U.S.C. 5901, it is illegal for an unaccredited individual or company to charge a fee for the preparation, presentation, or prosecution of a claim for VA benefits. 

Discover is failing to honor your rights under the FCBA by forcing me to pay for a contract that violates federal VA statutes ( 38 U.S.C. 5901 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My account was closed today for no reason. I only use the account to XXXX my wife and pay bills. I never committed any crime, fraud or scam. I received money from my XXXX account as well. Everything is legit and documented. I came in today to deposit cash in my account to get my account to zero and they didnt allow me to do it. They blocked it.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> my new debit card was fraudulently opened and activated. At XXXX two fraudulent charges were made to XXXX XXXXXXXX XXXX for {$1000.00} each. Totaling {$2000.00}. I immediately contacted Capital one. I reported the fraud immediately and the card was locked. They immediately sent my new card in the mail as expedited. I called back on XX/XX/XXXX for an update and I was informed my claim was closed. I told them I was charged {$2000.00} and I did not even receive my debit card yet. They initiated another claim and stated it would be another 10 days for provisional credit. 

Despite this being confirmed fraud, Capital One has refused to issue provisional credit and told me I must wait at least 10 days. This refusal has caused immediate financial hardship, as I rely on these funds to pay essential bills that are now becoming past due. 

I explicitly requested provisional or hardship credit due to financial hardship, and this request was denied. I also requested escalation to a supervisor. 

I am requesting that Capital One issue provisional credit while the fraud investigation is pending, in accordance with fair consumer protection practices, and ensure I am not financially harmed by unauthorized activity outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I am filing a complaint against USAA federal savings bank regarding their improper denial of my debit card fraud dispute and their failure to comply with regulation e. 

XX/XX/year>, multiple unauthorized debit card transactions totaling {$590.00} were made overnight on my checking account. I did not authorize these transactions, did not provide my pin to any third party, and had possession of my debit card at all times. I reported fraud to USAA immediately. My debit card was then canceled and replaced. 

USAA initially issued a temporary refund for the disputed amount. However, they later revered the credit and denied my claim. USAA states that my transactions were not fraud and were solely because they were based off spending habits. USAA did not provide evidence showing that I authorized these transactions, nor did they demonstrate that a reasonable investigation was conducted as required by regulation e.

As a direct result of USAA reversing the provisional credit, my checking account balance went negative. This caused financial hardship, disrupting my ability to pay bills, and created additional stress and potential overdraft-related consequences. This negative balance also resulted in declined transactions for basic needs and left me without sufficient funds for basic necessities, including gas for transportation.

Similarity to prior spending patterns does not constitute proof of authorization. Fraud frequently occurs at a familiar merchant and in amount designed to mimic legitimate activity. USAA reliance on generalized behavioral profiling rather than concrete investigative evidence does not meet the legal standard for reasonable investigation under federal law. 

I formally dispute USAA determination and reaffirm under penalty of perjury that I did not authorize these transactions. USAA has failed to meet its burden of proof to show that the transaction were authorized, as required under regulation E.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I signed up with Well Fargo on XX/XX/XXXX and was supposed to receive a {$320.00} sign-on bonus. Received an email stating : Application details : Everyday Checking Submit date : XX/XX/XXXX Status : Your account is open {$320.00} bonus offer : Your new account is eligible to receive a bonus upon meeting all offer requirements. 

I had direct deposit set up, and it was over the amount required. It is now XX/XX/XXXX, and I have NOT received any bonus from Wells Fargo, but I did receive a 1099-INT tax form stating that I received {$320.00} in " Interest income. ''

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
Comerca Bank and XXXX XXXX XXXX  did commit Fraud Against the United States, Bank Fraud and Filing False Statements/Information in violation of 18 U.S.C. 1001, et seq. They continue with criminal intent to mislead customers on fraud investigations and blalently with malice aforethought lie to customers. The CFPB should refer to the United States Attorneys Office and the Inspector General of the Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
XXXXI am a protected consumer under CFPB v. TEMPOE, LLC (Case NoXXXX XXXX). My lease (Account XXXX originated in JXXXX XXXX, which falls within the XXXX window for automatic cancellation and satisfaction mandated by the federal government.XXXXDespite this, XXXX XXXX XXXX and XXXX XXXX XXXX are attempting to collect a void balance of XXXX. I have successfully sent formal notice via email to their XXXX address and via XXXX Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXNotably, the agency\'s primary info@ email address bounced, and I have filed Ohio AG Complaint XXXX I have revoked all payment authorizations and demand that they cease all collection activity and provide written confirmation of my XXXX balance."'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase in the amount of {$280.00} from XXXX using the Capital One Offers website. According to this deal, there would be a 2 % rebate for any purchase made at XXXX using the Capital One Offers webpage. I have called Capital One inquiring about when this rebate would be paid. Each time I call, I'm told that it could take up to either 30 days, 45 days, 90 days to receive the rebate.

Unfortunately, in my last conversation with a customer representative, I lost my temper and used abusive language during this conversation. I sent a letter to Capital One complaining about this. On XX/XX/XXXX I received a reply from Capital One advising me not to use abusive language. No mention was made regarding the rebate. This is the case number associated with my complaint : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo continues to claim this No cash out loan was legit. But we are sure that we ever signed the right to cancel documents.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt. V Gravens ( MO ) 281 SW715,719 I presume that Proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
The mortgage provider is supposed to pay my howowners insurance, from my escrow account, They have lied to me three times about doing so this year. They did the same last year too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
It has come to my attention that my mortgage loan was * * incorrectly transferred to multiple servicers * *, resulting in improper billing and foreclosure threats from a company that is * * not the authorized servicer * *. This appears to have originated from an error in the transfer initiated by your company. 
Key facts : - I made a * * timely mortgage payment on XX/XX/year>XXXX XXXX XXXX to the servicer that instructed me to pay them. 
- I have received conflicting notices and billing demands from multiple companies regarding my loan. 
- The errors caused XXXX XXXX incorrect foreclosure threats XXXX XXXX  despite my account being current. 
- This is a * * servicing error caused by your transfer XXXX XXXX, not non-payment. 

Original company is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX loan company that trying to bill me and has my first payment is Rushmore Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Issue : Failure to provide vehicle title after payoff ; unreasonable delay ; financial harm Complaint : I paid off my leased vehicle in full in XX/XX/year> as part of a lease buyout, refinancing the payoff with a XXXX XXXX. The vehicle was titled in Colorado, and Chase Auto Finance was the original lienholder. 

Despite payoff occurring over XXXX months ago, Chase has not provided the vehicle title or lien release to me or to my credit union. Chase has acknowledged internally that they do not know what happened to the original title. 

Chase states that they requested a duplicate title from the Colorado XXXX in XX/XX/year>, and again in XX/XX/year>, yet as of today they have not produced a title, can not confirm issuance by the XXXX, and can not provide documentation showing resolution. 

This prolonged delay is causing direct financial harm. My XXXX XXXX has advised that my interest rate will increase if I can not provide the title imminently. I have already received multiple waivers due to the length of this delay, and no further extensions are available.

Requesting a duplicate title without resolution for months does not constitute timely compliance. Chases failure to deliver a title or lien release within a reasonable period after payoff is unacceptable and inconsistent with consumer protection standards.

I am requesting that Chase : Immediately resolve the title issue and deliver a valid Colorado title or lien release to my credit union ; and Provide written documentation explaining the delay and steps taken to correct it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a CareCredit credit card account issued by Synchrony Bank with a 24-month promotional balance. Throughout the promotional period, I maintained a 100 % on-time payment history and never missed or made a late payment.

At the end of the promotional period, I had approximately {$100.00} remaining on the balance. I was not clearly aware that this promotion was a deferred-interest plan, meaning that if the balance was not paid in full by the end of the promotion, all interest from the entire 24-month period would be added retroactively.

When the promotion ended, my balance unexpectedly increased to approximately {$800.00} due to retroactive interest being applied. Had I understood this, I would have paid the remaining balance immediately.

I contacted CareCredit customer service and escalated the issue to a supervisor. Despite my perfect payment history and this being a first-time issue, my request for assistance was denied solely because more than one month had passed since the promotion ended. The sudden balance increase has caused financial hardship.

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 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Dear Credence Resource Management I dispute that I established an account with the stated debt amount or signed a contract with you or your assigned or assignor. If you purchased this debt please provide a statement and affidavit to that fact. If you can not comply with my demands please remove this account from my credit report. Company/Collector Credence Resource Management Account XXXX XXXX {$550.00}. 

I also did not receive any written communication in regards to this debt. 

I am requesting deletion and a monetary settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: CO

Complaint narrative:
I am a veteran and VA XXXX. I received a mortgage solicitation letter from XXXX XXXX XXXX that is intentionally deceptive, misleading, and designed to impersonate official VA loan authority in order to induce contact and refinance solicitation. 

The letter is formatted as a formal Expiration Notice and states : OUR REVIEW OF YOUR VA LOAN HAS INDICATED THAT YOUR WAITING PERIOD HAS BEEN MARKED AS EXPIRED AS OF XX/XX/year> VA XXXX XXXX XXXX XXXX VA XXXX require a waiting period in order to access certain benefits through VA It assigns a File ID # and NMLS ID, references equity reserves, and creates a false sense of official VA review and eligibility determination. 

It directs the recipient to urgently call before a stated deadline ( Respond by XX/XX/year> ). 

This language falsely implies : That the sender has access to VA XXXX records That the VA has conducted a review That XXXX VA waiting period has expired That there are XXXX equity reserves available That the communication is connected to VA XXXX XXXX VA benefits administration These claims are factually misleading. The VA does not issue such notices, does not conduct lender-initiated benefit eligibility reviews, does not track waiting periods in this manner, and does not assign third-party marketing file IDs. This is private marketing designed to mimic official VA XXXX. 

I contacted the company by phone and it became clear the letter is a refinance marketing solicitation, not a VA communication, and that the VA framing is being used solely to create urgency and credibility. 

This constitutes : Deceptive marketing practices False implication of government affiliation Misrepresentation of VA XXXX XXXX XXXX Targeted predatory marketing toward veterans Unfair and deceptive acts and practices ( UDAP/UDAAP ) This practice appears designed to exploit XXXX XXXX in VA institutions and VA loan XXXX. 

I request CFPB investigation and enforcement review for deceptive advertising, false affiliation claims, and predatory veteran-targeted mortgage solicitation. 

I have retained the original letter and envelope as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RockLoans Holdings LLC
State: TX

Complaint narrative:
Rocket Loans denied my credit reporting dispute on XX/XX/XXXX ( Loan XXXX ) stating their reporting is accurate and will not be amended. Rocket did not provide the requested documentation supporting their conclusion, including a complete payment history ledger, charge-off calculation, or any written explanation for why agreed payments stopped without notice. 

In XXXX, I entered into a negotiated bi-weekly payment agreement with Rocket Loans for {$250.00} payments. Rocket accepted and processed multiple payments in XXXX and XX/XX/XXXX. Without any default and without any request from me, XXXX unilaterally stopped withdrawing the agreed payments without notice, then charged off the account and continued reporting ongoing monthly charge-off activity with a balance that increased after my last accepted payment.

Rockets reporting is inaccurate and misleading, and Rocket has failed to substantiate the balance and reporting with documentation. I am requesting Rocket provide full substantiation and correct or delete any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX : Check XXXX was mailed to XXXX for invoice # XXXX for {$28000.00}, address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . This was sent to this address per original remit information provided by the Vendor. No change in remit address sent by mail or email to XXXX. 
XXXX XXXX : Check XXXX was returned to us in this timeframe XXXX XXXX XXXX : Updated banking information sent by XXXX ( this was the fraudulent email/info sent with accurate company logos and emails from all employees previously included in correspondence with slight difference in email addresses ). Email stated : We received a bogus check from another customer which had our account flagged on Friday ( XX/XX/XXXX ). We are here by opting out from checks. 
XXXX XXXX : Paid invoice using XXXX XXXX XXXX sent to fraudulent ACH information provided on XXXX XXXX XXXX : Informed by XXXX that they had not received the payment and the email we received was not sent by them and appeared fraudulent. 
XXXX XXXX Filed claim with Citizens Bank Froze checking account Left voicemail for XXXX XXXX ( accounting manager ) about fraud XXXX XXXX XXXX : Opened new bank account- per instructions of the bank XXXX XXXX : Confirmed actual new ACH info by phone with XXXXXXXX XXXX XXXX  : Invoice paid through XXXX XXXX XXXX Submitted letter to bank based on suggestion from our acct manager ( see attached ) XXXXXXXX XXXX XXXX Citizens confirmed they sent letter to Fraud department XXXX XXXX XXXX Called Citizen again left vm XXXX XXXX Called Citizens again left another vm XXXX XX/XX/XXXX Bank requested we file a police report Filed police report XXXXXXXX XXXX XXXX followed up with Citizens again- asked if they had reached out to the other bank XXXX XXXXXX/XX/XXXX followed up with Citizens and included our local branch manager XXXX XXXXXX/XX/XXXX Asked if they had reached out to the other bank Resent all the documents so they had in one place XXXXXXXX XXXX XXXX followed up again in writing and spoke with XXXX. I asked then when he finds out the decision he informs me the outcome and the reason. 
XXXX XXXX follow with XXXX was told it was declined due to XXXX

Company response to consumer: Closed with explanation