vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My loan maturity was on XX/XX/XXXX. My Vehicle was repossessed despite me calling to request an extension. The agent said I would get a XXXX XXXX lease extension. I was informed the request would be reviewed, but I was never notified of a denial, approval, or pending status. The call was made on XXXX XXXX at XXXX to get the extension. XXXX 's payment of {$410.00} was also accepted. Remaining Balance is {$6100.00} for the loan to be paid off. 

Westlake 's mobile app showed my account as active, accepted a payment of {$50.00} for the extension, and scheduled a future auto-payment for XX/XX/XXXX. Based on this information I reasonably relied on Westlake 's system and was never instructed to return the vehicle.

Westlake repossessed the vehicle without notice while my account reflected an active status. This is a servicing error and a wrongful repossession. I am requesting immediate resolution, repo release, and waiver of all repossession related fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, a fraudulent cash withdrawal of {$15000.00} was processed from my account at a Citi bank location. The perpetrator utilized a counterfeit Illinois Driver 's License to execute this transaction. Furthermore, an attempt was made to use a debit card, fraudulently requested at a local branch, for a purchase at an XXXX store. This transaction was declined. 

I reported this to Citi bank on XX/XX/XXXX. I called Citi bank XXXX XXXX until recently ( XX/XX/XXXX ) and I didn't get any useful information nor my {$15000.00} back from Citi Bank. 

I hope I can get my {$15000.00} back as soon as possible.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made a full manual payment of my Capital One XXXX credit card statement balance ( {$4000.00} ) on the day before the due date. Despite the statement balance being fully satisfied, Capital Ones autopay system also debited my Capital One checking account the following day for the same amount.

This resulted in an {$8000.00} withdrawal of funds for a single billing cycle. While Capital One acknowledges the duplicate debit, the company refuses to reverse the transaction electronically. The only remedy offered is a paper check sent via regular US mail.

T

his is not a reasonable or usable solution. Both the credit card and the checking account are held at Capital One, and internal electronic transfer or ACH reversal is clearly feasible. In addition, I am currently outside the United States, making a check mailed via US mail a non-remedy. I asked whether the check could be sent via XXXX  or similar courier to the address where I am currently staying in XXXX. Capital One confirmed that they are only able to send such items via regular U.S. mail.

As a result, the proposed remedy does not practically resolve the duplicate debit, despite Capital One having the ability to correct the issue electronically between two accounts held at the same institution.

This practice exposes customers to serious liquidity risk, particularly those without excess funds, and represents an unfair billing practice and poor consumer
safeguards. Capital Ones systems failed to prevent a duplicate debit and now refuse to correct it using available electronic means.

I am requesting immediate electronic remediation and review of Capital Ones autopay design to prevent duplicate withdrawals after a statement balance has already been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We are filing this complaint because American Express has failed to provide any updates, communication, or resolution regarding a dispute initiated by one of their cardholders against our business, XXXX XXXX XXXX. The dispute has been open since XX/XX/XXXX, and American Express has held {$6300.00} of our funds for nearly three months without providing the required status updates or a decision.

This delay is causing financial harm to our small business and is preventing us from preparing properly for an active court case involving the same customer. 
XX/XX/XXXX Dispute Initiated The American Express cardholder filed a dispute claiming that our services were not as described.

This claim is false, and we have documentation proving the services were completed exactly as agreed. 
XX/XX/XXXX Merchant Response Submitted XXXX XXXX XXXX ( our payment processor ) submitted our full response package to American Express, including : - Signed service agreements- Before/after photos- Invoices - Text message communication - Proof of completed work - Proof that the customer approved the work - Proof that the customer received the services XXXX confirmed that all documents were successfully delivered to American Express on XX/XX/XXXX. 
American Express Review Deadline : XX/XX/XXXX American Express informed XXXX that they would provide a decision no later than XX/XX/XXXX. 
Todays Date : XX/XX/XXXX As of today : - We have not received a single update from American Express - No status has been provided - No communication has been sent to us or to XXXX  - Our funds remain frozen - We have no information on whether American Express is reviewing the case at all We are concerned that American Express will miss their own deadline and continue to hold our funds indefinitely.

Financial Harm American Express is holding {$6300.00}, which is a significant amount for a small business.

This delay has : - Interrupted our cash flow - Prevented us from paying vendors - Caused operational strain - Created uncertainty during an active legal case Legal Case Connected to This Dispute American Expresss failure to provide a timely decision is interfering with our ability to prepare for this court case, as the dispute outcome directly affects the evidence and financial records involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year> Wells Fargo Account # XXXX XXXX XXXX To whom it may concern, I am writing once again to try and get this matter resolved, I have filed a complaint with the CFPB and will continue to follow up until this is resolved. I have asked XXXX XXXX to follow up with her bank to help get this resolved and she has been in contact with XXXX XXXX  and have sent me screenshots of all the information that they have been sending her to help get this resolved and my XXXX restored. I am including copies of our communication and a screenshot from XXXX XXXX  showing their explanation of determination denying the fraud and closing he dispute back in XXXX. This was the documentation that they sent XXXX XXXX when she was trying to get this matter resolved per your instructions and send me something that was to your satisfaction. XXXX was a friend of mine that made a mistake and is now trying to make things right. This is not a case of fraud and has been confirmed by XXXX XXXX  as such. I am the only one being affected by my own bank by this action. Please see the documentation included and restore my XXXX as soon as possible. XXXX XXXX  has sent her all that they seem to be willing to send. I dont know what else to send you at this point.

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 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ZWICKER & ASSOCIATES
State: IA

Complaint narrative:
I hired XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  to consolidate two XXXX XXXX cards for me after calling XXXX times supervisor etc. getting the wrong answer giving them {$17000.00} plus every month taking out three or {$400.00} out of my checking I come to find out after calling XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX that my debt had been sold in XXXXXXXX XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX Ive never heard of this company. I have no idea what theyre talking about so I called XXXX XXXX who decided when I talked to the girl on the phone XX/XX/XXXX that she informed me that theyve added {$2000.00} to my debt. I said I dont think So so thats the last I heard XXXX I got one email stating all of a sudden after firing XXXX XXXX this company that comes out of nowhere I sent a certified letter too by the way and Ive heard nothing about who owns the debt so Im calling XXXX. OK nobody owes me anything. Im not trying to get out of anything. Im certainly not paying a fee from a debt a company buys for XXXX XXXX XXXX XXXX to try to XXXX me no thank you this has been dishonorably held enough. Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: MI

Complaint narrative:
I had my loan payment due with MOHELA on XX/XX/XXXXXXXX I paid this loan on XX/XX/XXXX and MOHELA took the money from my bank account on XX/XX/XXXX. Even though I paid on time and MOHELA * took * my money, they did not apply my payment and my loans were marked XXXXnpaid and Past Due on XX/XX/XXXXXXXX Even worse ( and conveniently for MOHELA ) this was my XXXX and FINAL payment to MOEHLA before I can qualify for Public Service Loan Forgiveness. Now, instead of being able to move forward with loan forgiveness, the MOHELA rep was forced to put in a request to apply the money they ALREADY HAVE towards my payment that was due on XX/XX/XXXX, a process which I was told can take up to 90 business days.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Pay Period XXXX - XX/XX/XXXX, I believe is the pay date. I made numerous phone calls to Chime Bank fraud department regarding this issue. ( I believe I started calling Chime Bank sometime in XXXXXXXX XXXX XXXX XXXX Initially, when the funds were stolen, a representative from Chime stated that I would receive my funds within 30 days, but no resolution was received. 

CFPB Complaint Against Chime Bank Purpose : Force Chime to produce documentation or formally admit they can not I am filing this complaint regarding Chime Bank 's handling of a diverted payroll deposit and its failure to provide required ACH documentation. 

In XXXX, my United States Postal Service payroll deposit in the amount of {$1900.00} was fraudulently diverted. Chime Bank has repeatedly stated that the payroll funds were reversed ; however, Chime has never provided and ACH trace number, return code, or any documentation supporting that claim. 

The United States Postal Service has confirmed to me in writing ( via email communications ) that no payroll funds were returned to them and has stated that, if a reversal occurred, Chime Bank must provide a trace number. No such number has ever been provided. 

Approximately one year later, Chime issued me payment of {$1.00} no explanation as to how this amount was calculated or what portion of the payroll funds if represented. The remaining {$1900.00} remains an accounted for. According to Chime Bank 's fraud department, a representative stated to me that a trace number couldn't be given because the matter is under ongoing investigation. 

Despite repeated requests, Chime Bank has failed to : * Provide ACH trace number ( s ) for the original deposit or any reversal * Provide ACH return codes or settlement records * Explain the origin or purpose of the {$1.00} payment * Account for the missing payroll funds Under NACHA rules, ACH transactions and returns must be traceable and documented. Chime 's failure to provide this information has prevented recovery of my wages and has resulted in on financial hardship/harm. 

I am requesting that Chime Bank be required to produce all ACH records related to this payroll transaction or formally state that no reversal occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This was a loan with comenity bank then sold to a third party. I was promiss that this was going to be removed from my credit report. The third party was removed but this still remained that was sold to the third party

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: United Shore Financial Services, LLC
State: PA

Complaint narrative:
Someone sold my information to united mortgage and after 10 requests for them to stop contacting me because I'm not doing anything with my mortgage I get calls all day long from the same company. I've requested to stop being called. I've added myself to the national do not call registery, they call constantly through the day and I work nights. Same as calling me 3 times between XXXX and XXXX every night.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo is inaccurately reporting a 30-day late payment on my former mortgage account despite the loan being paid in full through escrow following the sale of our home.

Wells Fargo received a formal payoff request from escrow on XX/XX/XXXX, providing advance notice that the loan was in the process of being satisfied. The originally scheduled closing date for the sale and purchase transactions was XX/XX/XXXX. Due to third-party and escrow-related funding delays outside of our control, the transactions funded on XX/XX/XXXX, at which time Wells Fargo received the payoff in full.

We maintained a flawless payment history with Wells Fargo for over seven years prior to this isolated event. The reported 30-day late occurred only during the payoff window and does not reflect our actual payment behavior or creditworthiness.

After submitting a written dispute and full documentation, Wells Fargo conducted an internal review. During a subsequent call, a Wells Fargo representative stated that the reporting would not be corrected and further stated that if the mortgage had not been paid off, Wells Fargo may have reported it differently. This statement suggests discretionary, outcome-based reporting rather than reporting governed by a consistently applied written policy. When asked to identify the written policy supporting this determination, no policy was cited. 



I am requesting that Wells Fargo correct the inaccurate credit reporting by removing the 30-day late payment from all credit bureaus. At a minimum, I am requesting that Wells Fargo identify the specific written policy relied upon to justify reporting a delinquency during a payoff period where advance notice was provided and the loan was fully satisfied through escrow.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am contacting support in regards to an international trip I just took to XXXX. I brought both my XXXX Checking debit card as well as my XXXX XXXX  credit card and neither were able to successfully take out money when using XXXX or XXXX XXXX ( XXXX ) ATMs. This is despite being advertised to work seamlessly directly on the Capital One website. 

Because of this, I paid {$31.00} in unnecessary international fees over the course of my trip and was forced to overdraft my account, causing another {$22.00} of fees, due to the capital one cards not working in any ATM.

I tried requesting this through the support line XXXX, but there was no help or resolution for me.

Company response to consumer: Closed with explanation