vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
My Navy Federal Credit Union debit card was stolen from my vehicle while it was parked in my driveway but I didn't realize my card wasn't in my wallet, which was not in the car. On XX/XX/XXXX and XXXX XXXX I was notified that my card was used without my consent for online and physical in-store purchases in the amounts of {$710.00} and {$2900.00}. I froze my card immediately, worked with NFCU to identify all charges I did not authorize, and I filed a police report right after. NFCU sent me time-stamped charges, which I gave to the detective handling the case, and the police were able to identify the woman who stole my card- she was involved in a string of burglaries in my neighborhood at the time, and my card was not the only XXXX stolen and used without authorization. They were able to use the time-stamped information to pull up video surveillance of the woman using the card. While NFCU initially credited the unauthorized charges, they reversed the decision quickly after because they said there appeared to be a discrepancy with my claim. Since then, the woman was charged with XXXX XXXX, has pleaded guilty, and is currently incarcerated for the crime. The XXXX XXXX XXXX Attorney 's Office has even tried to reach out to Navy Federal in support of my case, but NFCU said that I was not supplying any new information to support my case and it continues to be denied. Every time I've reached out over the phone to try to talk to a fraud specialist, I've been told that they can't tell me any information or share the discrepancies in their report. They advised me to message them directly and formally request documentation reports, but that request was denied, claiming that physical documentation of my fraud claim is minimal because the majority of the investigation process was done electronically. When I followed up to find out if there was a specific charge in question that could have caused the entire amount of the claim to be denied, they would not provide any information, claiming I still don't have enough evidence to overturn the decision. Throughout the process, I haven't felt like I've even been talking to a human, so I don't have faith in the responses they've given me, and I'm left confused about the discrepancy they keep pointing to without clarifying. They've been vague and evasive - even insulting- and I feel that I have a right to know why my claim is being denied. While I was initially confused about how my card could have gotten out of my possession, I feel that I've done everything in my power to show proof, including with the support of the detective and XXXX XXXX XXXX XXXX XXXX, to show that I did not make or authorize these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 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: IL

Complaint narrative:
I am disputing the unfair closure of my Wells Fargo Reflect Visa account ( Case # XXXX ). The bank closed the account citing 'suspicious activity ' and 'uncollectible funds. ' I have clear evidence that this is false. I have made substantial payments that successfully cleared my external bank, reducing my balance from {$2200.00} to {$1100.00}. This proves the funds were collectible and received by Wells Fargo. I was a loyal customer and I am deeply frustrated by the bank 's lack of transparency. I admit that during a stressful period, I slightly exceeded my credit limit, but I immediately initiated payments to correct it. Any temporary delay in the funds being processed was a technical banking matter, not an attempt to avoid payment. Furthermore, although I am enrolled in Paperless billing and communications, I never received any email, app notification, or digital letter regarding the account closure in XXXX. I only discovered the closure much later. The banks claim that a notification was sent is inconsistent with my digital records. Therefore, I am requesting that Wells Fargo reconsider its decision and reopen the account, as I have demonstrated both the ability and clear intent to maintain my obligations. If the bank refuses to reopen the account, I demand that they at least correct the status on my credit report to 'Closed at consumer 's request ' or 'Closed due to bank error, ' and remove any 'uncollectible ' flags, as these terms are factually incorrect and cause undue harm to my credit score.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I was charged {$250000.00} dollars for a extended warranty that I never agreed to or even received as they claimed that the address was incorrect because all I received was a payment booklet and even had to find my license plates. I only became aware of the {$2500.00} dollars plus interest when I received the final payment from ford motor credit and when I complained they said that it was too late to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing ( loan XXXX XXXXXXXX, property at XXXX XXXX XXXX Ct, XXXX, FL XXXX ) for multiple RESPA violations and continued improper servicing. On XX/XX/year> and XX/XX/year>, I sent two Qualified Written Requests ( QWR ) requesting specific information and correction of errors, including the XX/XX/year> unauthorized payments reversal. Shellpoint 's responses were inadequate : the XX/XX/XXXX response was partial, and the XXXX XXXX letters were generic stall letters that failed to address my 10 specific requests point for point. This constitutes two clear RESPA violations under 12 CFR section 1024.36. Despite these violations, I made substantial good faith payments totaling over the {$18000.00} during the dispute period, including money orders attached to the XXXX, a {$9000.00} initial repayment plan payment in XX/XX/year>, and a {$4100.00} wire transfer on XX/XX/year>. Shellpoint accepted all payments. In XX/XX/year>, Shellpoint sent a repayment plan letter confirming foreclosure would be suspended while I complied. However, after I began the plan, Shellpoint added {$1800.00} in foreclosure attorneys fees after the fact without prior disclosure or opportunity to dispute. This added fee is the result of their own servicing errors and further violates RESPA. I also suffered a non fault auto accident on XX/XX/year>, resulting in XXXX XXXX in medical bills and XXXX XXXXXXXX in lost contractor income, which contributed to the original delinquency. I have already filed a small claims lawsuit in XXXX XXXX, Ohio for the RESPA violations. I am requesting that the CFPB Investigate. XXXX. The two RESPA violations regarding my QWRs. XXXX. The improper addition of {$1800.00} in foreclosure fees. XXXX. Shellpoint 's failure to properly apply payments and suspend foreclosure during the active repayment plan. XXXX. Any inaccurate credit reporting

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am formally disputing the account reported by Resurgent ( Account # XXXX ) in the amount of {$710.00}. I have no knowledge of this account, the original creditor, or the individual allegedly responsible for this debt. I have never entered into a contract or agreement that would result in this liability. When I attempted to clarify this, the collection agency claimed to be acting as an attorney or authorized representative for the debt, yet they have failed to provide any admissible evidence or original documentation linking this account to me. This appears to be a case of misidentification or the reporting of a debt belonging to an entirely different person. Furthermore, this account was placed on my credit report despite my personal information being flagged as compromised in a previous data breach. The reporting of this unverified and unfamiliar debt is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I am filing a complaint regarding an auto loan financed through Bridgecrest Acceptance Corporation in connection with a vehicle purchased from XXXX on XX/XX/year>. Shortly after purchase, the vehicle developed multiple system failures, including engine performance issues and numerous electrical faults. A diagnostic scan confirmed multiple fault codes across various vehicle systems. I have raised these concerns with both XXXX and Bridgecrest. However, I have been directed to proceed through a warranty process that requires out-of-pocket diagnostic costs and leaving the vehicle without transportation, which is not feasible for me. Additionally, I was informed that electrical issues are typically not covered under the warranty, yet I am still being required to proceed through that process before any alternative resolution is considered. Despite these circumstances, I remain responsible for monthly payments on a vehicle that is not functioning properly and appears to have had underlying issues at the time of sale. I am willing to retain the vehicle ; however, I will not accept a situation where I am financially responsible for a defective vehicle. I am requesting a reasonable resolution, including : ( 1 ) a comprehensive repair at no cost to me, including diagnostics and necessary transportation accommodations, or ( 2 ) an appropriate financial resolution, such as an adjustment to my loan or compensation, reflecting the condition of the vehicle at the time of sale. I am requesting that Bridgecrest review this matter and work toward a fair resolution given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding the conduct of Wells Fargo Bank , N.A . in connection with a foreclosure action concerning my property. This foreclosure action was commenced in or about XXXX. On XX/XX/XXXX, Wells Fargo obtained an Order of Reference, which allowed it to proceed toward a judgment of foreclosure and sale. However, after obtaining the Order of Reference, Wells Fargo failed to take any substantive action to prosecute the case for approximately XXXX years. The next significant action did not occur until XX/XX/XXXX, when Wells Fargo moved for a XXXX of Foreclosure and Sale. During this XXXX period of inactivity, interest continued to accrue on the loan at a rate of approximately 6.00 % per annum, or approximately {$110.00} per day. As a result of this delay, more than {$240000.00} in additional interest accrued. The total amount claimed by Wells Fargo increased to approximately {>= $1,000,000}, which is nearly double the original principal balance of approximately {$670000.00}. Wells Fargo has attributed delays to XXXX moratoriums and XXXX. However, XXXX moratoriums are temporary in nature and can not justify years of inactivity, and XXXX does not explain delays occurring between XXXX and XXXX. This conduct appears to be unfair and abusive, as Wells Fargo benefited financially from its own failure to prosecute the action in a timely manner. I have filed a motion in court seeking to toll or reduce the interest accrued during this period of delay. This issue has caused significant financial harm and has impaired my ability to resolve the foreclosure and sell the property. I respectfully request that this matter be investigated.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I am filing this complaint against American Express Personal Savings for inadequate handling of fraud-induced ACH disputes totaling {$30000.00}. BACKGROUND THE FRAUD : I am a XXXX XXXX XXXXXXXX and parent at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>, I made an ACH payment of {$30000.00} for XXXX tuition. On XX/XX/year>XXXX 35 days after my payment the school 's Executive Director, XXXX XXXX, confessed to maintaining two sets of books for years, fabricating a {$500000.00} letter of credit, and concealing ~ {$15.00} XXXX in unauthorized debt. XXXX Police confirmed an open criminal investigation ( Incident Report Incident Report I # XXXX ). A civil lawsuit was filed in XXXX XXXX XXXX ( XXXX XXXX. XXXX ) formally charging Given and XXXX XXXX XXXX XXXX with fraud. My payments were induced by deliberate false pretenses. Given launched the accelerated tuition campaign 3 days after executing the fraudulent lease, offering a 6 % discount to accelerate upfront payment collection while knowingly concealing the school 's insolvency. Additionally, emails including the XXXX invoice preceding said ACH transfer were provided via Given 's business email address ; however, receipts for said ACH transfer are acknowledged by Given 's PERSONAL email address. This is clearly an act of deceit by the vendor. This conduct constitutes felony larceny under Rhode Island Gen. Laws XXXX ( obtaining property by false pretenses ). My amount exceeds the {$1500.00} felony threshold under XXXX. BANK 'S INADEQUATE RESPONSE : Via dispute case # XXXX, I have submitted extensive supporting documentation to American Express, including police reports, court case filings, including email documentation. American Express Personal Savings verbally denied my dispute 10 days after filing, ruling the transaction was " authorized. '' This ignores the legal distinction that authorization obtained through criminal fraud is NOT valid authorization. My " authorization '' of said transaction was made based on false pretenses by the vendor ( i.e. soliciting and accepting pre-payment for services which the vendor knowingly had no viable means to provide ). Additionally, American Express ' peer financial institutions, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have reversed identical XXXXXXXX XXXXl ACH transactions for other XXXX parents, acknowledging said fraud. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding a dispute and appeal that has caused my account to become overdrawn, creating financial hardship. I disputed transactions on my account that I believe were unauthorized and/or incorrect. Navy Federal initially provided a credit, then reversed it, which caused my account to become overdrawn. I filed an appeal, and Navy Federal confirmed that my appeal is under review. However, they stated that no provisional credit will be issued during the appeal process. As a result, my account is now overdrawn, and I am being negatively impacted financially. This situation is not due to my normal spending but directly due to the disputed transactions and their handling of my claim. I am requesting the following : XXXX. Immediate temporary credit while the appeal is under review XXXX. Reversal of any overdraft or related fees caused by this situation XXXX. A proper and timely investigation of my dispute and appeal This situation is causing financial hardship, and I need immediate assistance to prevent further damage. I expect Navy Federal Credit Union to correct this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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.

Complaint narrative:
On XX/XX/XXXX, I contacted Chase to request a refund of a credit balance on my account. During that call, I clearly stated that I am unable to receive a physical check because I am not currently located at my mailing address. I was instructed that I would receive an email to submit my bank information so the refund could be processed electronically. On the same day ( XX/XX/XXXX ), I submitted my banking information within the required timeframe ( before XX/XX/XXXX ) and received a confirmation email. However, I did not receive the refund. When I contacted Chase again on XX/XX/XXXX, I was told that a check had already been issued. This contradicts the prior instructions I was given and ignores the fact that I clearly stated I can not receive a check. I was also incorrectly told that I failed to submit my banking information on time, which is not accurate, as I have confirmation of my submission. I contacted customer service multiple times on XX/XX/XXXX and received conflicting information from different representatives. I was told that another email would be sent to allow resubmission, but I never received it. I was also told that a check had been sent, and later told that nothing could be done and I would need to call back again. As of today, I still have not received my refund in any usable form. Because I can not access the mailed check, I am unable to access my own funds. I have made multiple attempts to resolve this issue directly with Chase, but no clear resolution or follow-up has been provided.

Company response to consumer: Closed with explanation