vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: OH

Complaint narrative:
The vehicle is a used vehicle financed through Global lending service with a very high interest rate. The monthly payments were high for the age and condition of the vehicle. I have requested the company refinance or settle the vehicle for the XXXX XXXX value XXXX years ago. Global lending denied that request. The vehicles engine went bad and it was my understanding that this was covered under my warranty. Only to find out that it wasn't covered. I had been paying on the vehicle for several years, paying at least XXXX on a XXXX XXXX XXXX. When I checked the blue book value of the vehicle it was less than {$800.00}, Global Lending has a balance of XXXX on my credit report. Global Lending has not dealt fairly with me, knowing the vehicle is inoperable and not worth a XXXX. They took possession of the vehicle from a car dealer maybe XXXX years ago, as it had been towed there. Global Lending is very unfair in how they deal with consumers and they know regular people like me will suffer terrible consequences behind how they deal with people. Please help me! I feel like I am drowning, and I never learned how to swim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Closing account based on the payoff information that was stated on your automated line pay the full amount received a bill in the mail. XXXX that there was interest to be paid paid that interest received another bill stating that it was more interest to be paid after account was closed over XXXX months ago called in Person found out that the statement that they sent again wasnt the right payoff interest amount and wouldve been paying another interest payment if I didnt have them explained to me or I had the person closed the account over the phone. Ive worked with other Credit Card company and they give you the correct payoff amount and send you a letter stating that the account is closed this bank, which is Petco XXXX XXXX continues to make interest payment even after account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sir XXXX this is my previous Complaint Number and still not yet received This Transfer And what is going on this Transfer Because daily multiple type of fee asking And paying then said no more Any fee then paying those fee immediately start another Hooking in the Name of fee most of the fee is Unwanted fee I have enquired about those fee for international transfers from another Bank they said its like Fraud and scam attitude Yes this Bank of America wants to eat my Fund otherwise it was Done Sir You are the monitoring agency Call them And Huge amount of Penalty for this illegal activities of Bank of America ? Their Resolution Specialist office also not properly working, I have written there is my Balance amount of {$3500.00} my online account, deduct whatever the fee from my account balance But not doing this, otherwise Deduct From Fund Principal amount this also not doing its They want to eat this fund Because I am from XXXX a senior citizen That's why they are doing this also no any genuine words from them all Fake documents and Hooks money in the Name of fee only Now I am Request to you and your Ombudsman should take over this matter and give them Penalty only then maybe this Bank will learn I have finally decided no more Any fee Sending to this person and Bank of America Kindly take action against this Bank of America and who is responsible on this matter Thanks Hope you will be doing this Thanks

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 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX the closing attorney has requested payoff statement for the closing on XX/XX/XXXX on XXXX XXXX, XXXX and XX/XX/XXXX, we were on the phone a XXXX way call on XX/XX/XXXX for over an hour with m & t bank and them promising to provide payoff statement by Monday XXXX and failed to do so. Also just to mention the loan is in my maiden name XXXX XXXX.

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 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: WI

Complaint narrative:
I entered into a contract with XXXX for dental aligners to fix some crooked teeth. The contract signed said that if I took the necessary pictures and followed the program that I could get lifetime adjustments if the program did not correct my teeth. I followed the program, took the necessary pictures, and still needed more aligners to extend my program as they were not effective in doing what they promised. While I was waiting for my for my extended program, XXXX went bankrupt and did not complete their commitment. They sent the money owed to XXXX XXXX, which hounded me for payment before sending to TekCollect. I do not think that the money is owed as the services and products were not given, in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/year> -- Wayfair XXXX XXXX XXXX was installed by wayfair chosen assembler.XXXX XXXX XXXX cost {$710.00} ( {$370.00} was the assembly service cost ) XXXX portions of the canopy came apart. XXXX sent formal complaint to wayfair with photos ; Wayfair then sent complaint to the manufacturer XXXX Manufacturer responded for me to adjust construction of the product My expectation/ response is I am unable to do so. I need a ladder and tools I do not possess ;

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX had charged the account on XX/XX/year> but returned the funds back to my account and settled the balance for {$350.00} on account after paying up the bill a month prior. JP Morgan Chase " claim to credit my account after the claim filed to " investigate " why after payed up the bill for credit. I asked Chase not to a dd any money to the account because the issues had been on-going with Chase with intent to charge the account overdraft fee and forcing account into the negative affecting billing cycle and everyday life expenses. Chase will wait to seek extra funds that are known to be refunded after a claim to justify overdraft fees. I've been a customer for years with Chase and I've notice the criminal acts that go unrecognized by customers such as fees from XXXX on my card that was returned but credited after or prior to next pay period to overdraft account for fees. When claims are filed Chase needs to be band from sneaking funds into account to claim later as a credit to collect overdraft fees. Instead claims needs to be investigated and like I was told if I am entitled to a refund let XXXX provide it after a credit was wrongfully added to my account after filling a claim on behalf of an mistake. I closed the claims and now being charged for an overdraft account and fees that Chase initiated intentionally causing financial harm and a set back after a new move. XXXX returned the funds and so did the XXXX company but now I have to clear a debt my bank placed me in. This is a crime being committed by Chase when I asked not to have my account credit should of noted not credited anyway with-out my knowledge.I cant afford to allow Chase to keep setting up my account to take from me and my family, it's starting to become sickening to watch a bank just take your money due to technically scamming and engaging in deceitful acts against low-income customers to take fees. I have a car note and car insurance coming up, while looking forward to more overdraft fees affecting rent noooo. Enough is enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a collection account being reported on my XXXX credit report by : XXXX XXXX XXXX XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/year> I dispute the accuracy and validity of this alleged debt and request a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically : * I am requesting complete validation of this debt, including : * The original creditors name and account number * A signed agreement or contract bearing my signature * Proof that the collection agency has legal authority to collect this debt * A complete payment/account history * Documentation showing how the amount of {$1700.00} was calculated * I also request verification that all information being furnished to the credit bureaus is accurate, complete, and legally compliant. * If the furnisher can not provide proper validation and verification, I request immediate deletion of this account from all consumer reporting agencies. This collection account is negatively impacting my credit profile and financial opportunities. Under federal law, only accurate and verifiable information may remain on a consumer report. Please investigate this matter promptly and provide written confirmation of the results of your investigation.

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I got a new debit card and I forgot to do auto pay with the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: HW Holding, Inc
State: MD

Complaint narrative:
I am submitting this complaint regarding Hunter Warfield and the reporting of an alleged debt connected to XXXX XXXX. I dispute the validity and accuracy of this debt and the amount being reported to the credit bureaus. I received a collection notice claiming I owe over {$8500.00} ; however, I have not been provided with sufficient documentation proving that this debt is accurate, properly calculated, or legally collectible. The company has failed to provide a complete itemized statement, proof of the original agreement, proof of damages or charges being claimed, and proof that they have the authority to collect this debt. This account has negatively impacted my credit report and financial standing. I believe the reporting is inaccurate and misleading because the debt has not been properly validated. I am requesting that Hunter Warfield provide full verification of the alleged debt, including all supporting documentation and a detailed breakdown of the charges being claimed. If the company can not properly validate this account, I am requesting that the collection account be removed from all credit reporting agencies immediately. I also request that the account be marked as disputed while this matter is being investigated. I am seeking a fair investigation and correction of my credit reporting under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
already this month they have contacted me 38 times ( in 12 days ) sometimes calling right back after I hung up the call, the number is ( XXXX ) XXXX and ( XXXX ) XXXX ( XXXX ) XXXX. It is pure harassment every day several times a day weekends holidays it doesn't stop. I have told them to stop and they have not. The stress this is causing me to have so many phone calls, when I am caring for a XXXX child, is getting to be too much. I can't be on my phone all the time and my time is very important, and phone calls are very important to me and for this to be happening is just pure harassment at this point. This has been going on for months now and I can no longer take it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX XXXX Chase credit card annual spending benefit dispute. One of the advertised benefits of this card is a XXXX XXXX XXXX after spending {$15000.00} in a calendar year. Throughout XXXX, I tracked my spending using Chases own Spending Planner feature within the Chase mobile app. At the end of the year, the Spending Planner clearly showed that I had spent {$15000.00} on the card. Because Chases own tracking tool showed that I had exceeded the required spending threshold, I stopped using the card for additional purchases during the remainder of the calendar year. I was later informed that I did not qualify for the XXXX XXXX XXXX because Chase internally deducted a {$95.00} credit/refund from my qualifying spend calculation, bringing the total below {$15000.00}. However, this deduction was not reflected in the Spending Planner total shown to me in the Chase app. I have contacted Chase customer service multiple times and escalated the matter to supervisors, but I was repeatedly told there was no further escalation path and that the XXXX XXXX XXXX would not be issued. My complaint is not simply that I was slightly below the threshold after adjustments. My concern is that Chases own spending tracking system displayed that I had already exceeded the requirement. I reasonably relied on the information Chase provided to me through its app. Had the Spending Planner accurately reflected my qualifying spend total, I would have continued using the card and would have easily exceeded the required amount before year end. I am requesting that Chase provide a one-time goodwill issuance of the XXXX XXXX XXXX due to the misleading or incomplete spending information displayed in its own tracking system, which directly influenced my spending decisions. I can provide screenshots of the Spending Planner showing the {$15000.00} total, along with documentation of my communications with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a phone call from a gentleman stated the transaction needed to be verified and he would remove the charge. Stupidly I agreed and he requested I share my screen. Having done that he requested I get the access codes from each transaction and saw them as I got them. I realized what was happening after apparently several transactions had been posted to my checking account. All came through as XXXX as XXXX. I notified the bank within XXXX hours. The bank has credited my account for the XXXX transactions. There were also several small charges as well. The date they hit the bank was XX/XX/XXXX. The amounts charged to XXXX XXXX XXXX were {$1900.00}, XXXX, XXXX and another charge. I have attached these details as supporting documents. Also charges to the different banks.

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 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing inaccurate and inconsistent billing, payment, and loan servicing information related to my vehicle loan account. The account has reflected discrepancies involving balances, payment application history, delinquency reporting, and other account information that I believe may be inaccurate or misleading. I previously contacted the company and requested clarification, account records, payment history, and investigation into these issues, but the responses provided were incomplete and did not fully address the concerns raised. I believe these issues may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), including the duty to report accurate information and conduct a reasonable investigation upon notice of dispute, as well as potential violations of the Truth in Lending Act ( 15 U.S.C. 1666 ) regarding billing error resolution and accurate servicing practices. I am requesting that the company conduct a thorough investigation into the account history, billing records, payment application records, and credit reporting associated with this loan. I also request correction or removal of any inaccurate information being reported or maintained regarding the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Would you take a look at this entry? Its delayed and perhaps erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
XXXX deposit cash on XX/XX/year> XXXX. NEED MY XXXX BACK. OVERDRAWN XXXX.

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 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
Dear Sir/Madam, I am requesting your services as I would like you to contact the aforementioned debt collection agency, which has failed to respond to any of my requests for a payment arrangement over the past several years. The debt in question stems from a dispute dating back to XXXX. Since that time, I have not received a single letter from Transworld Systems. I only learned that I owed this debt in XXXX, when it appeared on my credit report. I was extremely surprised, as I had never received a validation notice, nor any other correspondence, in which Transworld Systems identified themselves or informed me that they were attempting to collect a debt I owed. For XXXX years, they sent me no emails, no letters and they did not call me by phone to notify me that they held a debt in my name. It seems to me that this practice is absolutely illegal. In any event, during XXXX, I sent them a letter ( a verification letter ) requesting proof that this debt was indeed in my name. They never responded. Then, at the beginning of this year, I reached out to them again to settle this collection account and reach an arrangement. On XX/XX/XXXX, I sent them a " pay-for-delete '' letter via mail. They received it on XX/XX/XXXX, but I never received a response ( I have attached a copy of this letter and the proof of receipt ). On XX/XX/XXXX, I received a text message from them allowing me to " resolve my balance '' ( I have attached a copy of this message ). Their text message stated that I needed to make a payment by XX/XX/XXXX. Since their text message specified no conditions and remained extremely vague, I wrote to them via their contact form on XX/XX/XXXX, asking them to confirm the terms and conditions of their offer. Once again, I received no response ; it was out of the question for me to make a payment without written confirmation from them regarding the conditions of this offer. On XX/XX/XXXX, still with the desire to reach a settlement, I sent them a new letter to follow up on their offer and to obtain its terms in writing. They received it on XX/XX/XXXX, and once again, I never received a response ( I have attached a copy of this letter and the proof of receipt ). On XX/XX/XXXX, I once again sent them, via their contact form, the same letter I had sent previously, in order to follow up on their offer and obtain its terms in writing. It is now XX/XX/XXXX, and I still have not received a response, despite their website stating that a reply would be provided within 2 to 4 days. It is therefore unacceptable that I have received no response from them since XXXX, despite my numerous attempts. I am eager to reach a settlement with them, but I am unable to do so simply because they will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX I had an account with Bank of America in XXXX XXXX XXXX Florida I do not remember the account number but I know that I was charged overdraft fees of {$30.00} per overdraft charge many many times equaling hundreds of dollars or more Bank of America probably has a record of this I've tried to reach out to them with no response and due to the government finding them and ordering them to reimburse customers that they illegally overcharged I'm making this complaint I will appreciate any help that you guys can give me thank you for your time and your consideration sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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