vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The respondent financial institution has issued a blanket denial regarding a massive asset diversion, falsely claiming a lack of documented records to verify an error or account balance. This statement is directly contradicted by certified court records and the banks own recorded fraud investigations. 1. The Core Asset : On XX/XX/year>, a final judgment was legally entered in the XXXX XXXX XXXX XXXX XXXX, Georgia ( Civil Action File No. XXXX ), awarding compensatory, special, and punitive damages totaling exactly {>= $1,000,000}. A Writ of XXXX XXXX was formally filed and recorded on XX/XX/year>, under XXXX XXXX XXXX, Page XXXX, to execute the collection of these funds. 2. The App Compromise and Fraud Timeline : The bank has admitted in writing ( via correspondence dated XX/XX/year> ) that its representative noted suspicious profile activity from unverified locations and confirmed a total lockout of online banking. This emergency freeze occurred on XX/XX/year>, immediately following a severe 1-Gigabyte data spoofing event on my mobile hardware that targeted the bank 's retail mobile application, forcing the creation of XXXX XXXX XXXX. XXXX. 3. Concealment of Audit Records : The banks executive complaints division ( SAGE ) has explicitly stated in writing that they are withholding critical verification documents, labeling an accountability audit and formal correction of records as " proprietary and confidential ''. A nationally chartered financial institution can not block regulatory oversight or clear consumer accounting by hiding behind proprietary policies during an active, acknowledged mobile app spoofing and fraud investigation. I demand a full cross-network ACH and wire intercept audit matching XXXX XXXX Civil Action File No. XXXX against my frozen account structures to locate and restore the {>= $1,000,000} judgment pool.

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 non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
It was my first time using chime on XX/XX/year> and I was mislead by an impersonating official to release two unauthorized amounts of {$250.00} to them via chime under the username : $ XXXX. I contacted Chime. I talked to XXXX and then he sent me to his manager but they both said there was nothing they could do for me. I filed a police report and called them back and gave them the tracking number : XXXX. They said they would investigate but that they wouldnt open a dispute for me nor would I be getting my money back. They did not cooperate and were unwilling to work with me to help me get my money back or refunded or access or freeze the impersonating fraudulent person account to get me my funds back. They are violating Regulation E by refusing to even open a dispute on an error I reported that I made. I would like them to take responsibility and reconsider their stance for impersonation scams. I am reporting a fraudulently induced transaction by a criminal impersonating a financial representative which I have attached evidence how they impersonated being from Chime and XXXX and how both of these transactions of {$250.00} should be considered unauthorized. They however, said they couldnt open a dispute about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: NJ

Complaint narrative:
My employer makes monthly payments towards my student loan. My employer made a payment of {$100.00} on XX/XX/year>. Mohela refuses to process and apply this payment to my student loan balance. I made a payment of {$1500.00} towards my student loans on XX/XX/year>. Mohela sent me a confirmation email of my payment and the Mohela website indicated that my payment was processing. However, as of today XX/XX/year>, Mohela has removed any evidence of the {$1500.00} payment from my account. Mohela has not deducted my employer 's {$100.00} payment or my {$1500.00} payment from my total student loan balance. As a result, my total student loan balance is inaccurate and interest continues to accrue based on an incorrect student loan balance. Mohela 's failure to allow me to pay my student loans as I would like has resulted in significant financial and legal damages. I've had a separate issue with Mohela last year. Due to Mohela 's unprofessionalism and inability to address my issue or answer my phone calls I am discouraged from trying to contact and communicate with them about this issue.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OK

Complaint narrative:
My federal student loans were discharged through Total and Permanent Disability ( TPD ) discharge on XX/XX/year>. Prior to the discharge being completed, I experienced processing issues that required additional follow-up and resubmission. My account has also been affected by Borrower Defense actions, which further complicated the account history. My account was previously adjusted to a XXXX balance and has since changed to a negative balance. I have not received any communication explaining the negative balance, whether a refund is being processed, or the expected timeline for payment. Due to the prior processing issues on the account, I am requesting clarification regarding the status of the negative balance and any refund associated with it. I have not received information regarding the status of that balance or any associated refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MD

Complaint narrative:
This XXXX collection was previously disputed and approved for deletion on XX/XX/year> ( Dispute # XXXX ). It has since been re-inserted without the required 5-day written notice, which violates FCRA Section 611 ( a ) ( 5 ) ( B ). I demand immediate permanent removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
In XX/XX/year>, American Express placed my newly opened personal and business card accounts under a financial review. During the review process, I attempted to obtain information regarding my account status, available options, and whether a recently closed account could be reinstated. Over the course of several contacts with American Express customer service, I was repeatedly advised by multiple representatives that reinstatement of a cancelled American Express account was not possible and that reopening a cancelled account did not exist as an option. Based on those representations, I was led to believe that American Express had no process whatsoever for reinstating a cancelled account. After reviewing my Card Member Agreement, I discovered language stating that American Express may agree to reinstate a cancelled account and may charge a fee to do so. When I brought this language to the attention of American Express and specifically requested that the agreement be reviewed, I was eventually provided a different response acknowledging that reinstatement does exist but is considered on a case-by-case basis and is not guaranteed. My complaint is not that American Express declined to reinstate the account. Rather, my complaint is that I was repeatedly provided inaccurate and contradictory information regarding a material provision of the Card Member Agreement. Multiple representatives advised that reinstatement did not exist, while a later representative acknowledged that the agreement expressly contemplates reinstatement requests. In addition, I requested escalation to a manager on multiple occasions and was never connected with a manager despite those requests. Instead, I was repeatedly transferred between representatives, provided inconsistent information, and in some instances representatives ended chats or transferred the matter without addressing my concerns. As a result, I spent significant time attempting to obtain accurate information about my account and my rights under the Card Member Agreement. I believe American Express failed to provide accurate information regarding its own policies and failed to properly address my repeated requests for supervisory review. I am requesting that American Express review the handling of my account, review the customer service interactions and chat transcripts, explain why I was repeatedly provided inaccurate information regarding reinstatement, explain why my requests for managerial escalation were not honored, and provide a clear and accurate explanation of the companys position regarding account reinstatement and the impact, if any, of the pending financial review on that determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I have a flawless, on-time payment history with CNAC/Byrider on XXXX over {$10000.00} loan balance, paying {$320.00} bi-weekly ( which averages {$710.00} per month ). The vehicle recently suffered a sudden, catastrophic transmission failure and is completely non-operational at my residence. I can not afford to pay over {$710.00} a month for a broken asset while simultaneously paying out-of-pocket for transportation just to get to my job. The lender refuses to process a temporary hardship payment pause and is instead attempting to force me into a secondary auxiliary loan to cover an over {$5000.00} third-party shop repair. I am explicitly requesting a loan restructuring, a temporary payment deferral, or a vehicle substitution so I can remain employed and protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a formal dispute against Barclays Bank Delaware regarding my closed GM Rewards Mastercard ( XXXX XXXXXXXX ). This account was voluntarily closed, and I entered into an official payment agreement with Barclays to pay a flat rate of {$150.00} every month. I have active AutoPay set up to honor this agreement. My transaction history explicitly proves Barclays successfully marked my {$150.00} payments as " Payment Received '' on both XX/XX/year>, and XX/XX/year>. Despite fulfilling my end of the payment arrangement perfectly, Barclays ' automated system is erroneously treating the account as an active card, charging me {$41.00} late fees on the exact days payments were received, and reporting me as delinquent to the credit bureaus. I demand that Barclays manually review my account agreement, credit back all false fees/interest charges from XXXX and XXXX, and immediately remove any negative 30-day late marks from my credit reports.

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 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
This loan is a very old title loan.My car that was placed on this title loan has been damaged in a previous accident which is not drivable. I have continued to maintain insurance on this car. The loan company One Main financial has note of everything and has continued to collect their payments for this loan. On several occasions the company has given me modified payments to pay, yet it only applies to the interest for this high interest loan.This is a very high interest loan and it will take a lifetime to pay off. I have repeatedly request for an lower rate or a permanent modification and it hasn't changed. I am writing this complaint because each time I try to apply for a permanent modification the upload portal will not work.This company office is about XXXX hours away from my home, and it doesn't make since to travel, I believe this company is playing a serious game, and the insurance they are making me pay along with loan should pay off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this formal complaint against Capital One for unreasonably withholding my {$200.00} credit card security deposit and failing to provide a viable refund mechanism. On XX/XX/year>, I authorized a {$200.00} ACH transfer from my bank account to Capital One as a security deposit for a new secured credit card. Immediately after the funds were deducted, Capital One restricted and subsequently closed my account without providing any services. Capital One stated they would refund the deposit by mailing a physical paper check via standard XXXX postal mail. However, I am located outside of the United States. I informed their customer service multiple times that standard XXXX mail can not reliably reach my international address, and indeed, I have never received the check. The check remains completely uncashed. Despite explaining my situation, Capital One 's frontline representatives strictly adhere to a rigid internal policy, refusing to issue an electronic refund ( such as an ACH reversal or wire transfer ) to my original funding account. My bank is also unable to force a chargeback as the transaction is past the standard dispute window. Capital One is fully aware that I am physically unable to receive a standard mail paper check abroad, yet they refuse to offer any alternative refund method. By hiding behind rigid internal mailing policies, Capital One is effectively holding my funds XXXX. This constitutes an unfair practice, and I am seeking the CFPB 's assistance to recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
Approximately XXXX weeks ago I created a Venmo account for the sole purpose of making it easier for my son to transfer his money to me for his rent. He sent me {$1000.00} on XX/XX/year>. The very next day, Venmo suspended my account indefinitely for some absolutely unknown reason. After numerous phone calls, chat messages and e-mails, they tell me that the {$1000.00} sent by my son is now locked and inaccesible to either him or I for 180 days. This has created a hardship for him and me as now we do not have access to his money for his rent!! I am completely baffled by this because that money belongs to me and/or my son. It certainly does not belong to Venmo. I'm even more baffled that they suspended my account because all I've done is create an account. Venmo did this after the receipt of XXXX transfer to me. They say I violated their terms but refuse to explain how. This is so wrong in so many ways that I am completely beside myself. ALL I'VE DONE WITH THE VENMO APP IS SIMPLY CREATE AN ACCOUNT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On or around XX/XX/year>, I reported unauthorized fraudulent charges totaling {$8800.00} on my XXXX credit card account. On XX/XX/year>, following an investigation, I received written confirmation via email that the disputed charges had been resolved in my favor and that a permanent credit had been issued to my account. I relied on that confirmation in good faith. On XX/XX/year>, I received communication from XXXX stating that this credit is no longer permanent and that I am being held responsible for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding NetCredit for what I believe are predatory lending practices, unfair interest charges, and longterm financial exploitation. I took out a loan with NetCredit during the COVID period when I was experiencing serious financial hardship. Instead of offering real hardship assistance, NetCredit continued to charge extremely high interest and fees. I originally borrowed around {$1000.00}, and although I made payments, the balance continued to grow. The account has now been charging me for almost XXXX years, and the balance has increased to around {$1500.00}. I believe the interest rate and fees applied to my loan may violate XXXX interestrate limits and consumer protection laws. The company continued adding interest and penalties in a way that feels abusive and unfair, especially considering the loan was taken during a period of financial vulnerability. My credit report now shows years of delinquency and a balance that keeps increasing, even though I made payments toward the loan. I feel that NetCredit took advantage of me during a difficult time and has continued to exploit my situation by keeping the account open and adding charges for nearly XXXX years. I am requesting that the CFPB investigate NetCredits lending practices, review the legality of the interest and fees charged, and require the company to correct my account and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had many fraudulent charges on my chime account in XXXX of last year and again in XXXX of last year. I filed a dispute with chime and received an email today saying that it was denied. I was very upset to here this news as I made none of the 27 fraudulent transactions. I don't know what the process is of they're investigation is but there was over {$2700.00} stolen from me and this is unacceptable. The claim number is XXXX. Thank you.

Company response to consumer: Closed with explanation