vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I have a title loan with TitleMax ( XXXX XXXX XXXX XXXX XXXX ). For over a year, I have been locked out of my online account portal at XXXX because TitleMax 's login system requires a one-time verification code ( OTP ) sent to a phone number ending in XXXX, which is an old number I no longer have access to. The portal provides NO option to update the phone number without first completing verification through the old number, creating an impossible catch-XXXX. I first contacted TitleMax about this issue in XX/XX/XXXX and have been emailing their consumer complaints department ( XXXX ) continuously since then. On XX/XX/XXXX, TitleMax responded by instructing me to log into the portal and update my profile information, which is the exact thing I can not do because of the OTP verification loop. I replied on XX/XX/XXXX explaining this catch-XXXX and demanding a payoff figure be sent to me via email. I gave them a XXXX business day deadline which expired on XX/XX/XXXX with no response. Despite being unable to access my account or make payments due to their own system limitations, TitleMax has filed a court case against me ( Case # XXXX ) for non-payment. They are actively pursuing legal action while simultaneously making it impossible for me to pay them. I have also filed a complaint with the Tennessee Department of Financial Institutions ( received response from XXXX XXXX, XX/XX/XXXX ) and sent a cease and desist letter on XX/XX/XXXX. I have screenshot proof showing the TitleMax verification page with only XXXX options, both sending codes to the old phone number, proving their instructions to update my profile are impossible to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: AZ

Complaint narrative:
Original complaint XXXX Company responded with email saying they fixed the issue and I would get my bonus. After waiting five days, I never received the bonus so I called again. The agent on XX/XX/year> said actually I was denied the bonus and I wouldn't get it. Which is exact opposite of the response of e trade to the original complaint. When I asked to speak to supervisor to obtain their name to add to this complaint they left me on hold and never answered. I met the terms for the bonus and I demand e trade honor the bonus and their response to the original complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Against : Consumer Portfolio Services , Inc . XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ________________________________________ COMPLAINT SUMMARY I am filing this complaint regarding improper and repeated third-party collection communications by Consumer Portfolio Services , Inc. concerning my vehicle loan for a XXXX XXXX XXXX XXXX Consumer Portfolio Services has contacted individuals who were never authorized by me to receive information regarding my account or vehicle. During these communications, the company discussed or strongly implied repossession of my vehicle and asked individuals whether they had seen me or my vehicle. These actions have caused embarrassment, emotional distress, invasion of privacy, and unnecessary disclosure of my personal financial matters to unrelated third parties. ________________________________________ FACTUAL BACKGROUND I currently have an auto loan through Consumer Portfolio Services , Inc. for a XXXX XXXX XXXX Consumer Portfolio Services began contacting my ex-husband on several occasions regarding my account and vehicle. I never provided Consumer Portfolio Services contact information as a reference, authorized contact, or co-borrower. After being informed about the calls, I personally requested that Consumer Portfolio Services stop contacting him. Despite this request, the calls continued. On XX/XX/XXXX, my ex-husband sent me a text message stating that he had just received another call regarding a burgundy XXXX XXXX. He had never seen my vehicle and would not know what type or color of vehicle I drive unless that information had been disclosed during the calls. Additionally, he informed me that his daughter was also receiving calls from Consumer Portfolio Services. I do not even possess a phone number and therefore could not have provided it to the company. Additionally, on XX/XX/XXXX, my neighbor contacted me by text message, stating that Consumer Portfolio Services had called her and asked whether she had seen me or the burgundy XXXX XXXX. S he stated in her message : I hope they are not going to repossess your vehicle. These communications clearly disclosed or strongly implied the existence of a delinquent debt and potential repossession to third parties who were not authorized contacts on my account. ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has repeatedly refused to send me transaction and application records for a credit card that was opened without my knowledge over 10 years ago in which I had a police report for a fraud and identity theft at that time. They have three times now stated that they have reevaluated my claim however not once have they emailed me all of the information that I requested as part of the fair credit housing act I continue to get the runaround, causing me stress as they continue to harass me for {$7000.00} of charges that I did not charge. This credit card card was and has never in my possession. This credit card was open and closed 10 years ago.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Fund
State: NY

Complaint narrative:
The documents that this company is using are false and fraudulent after review of the contract signed the name of the business is wrong not mine nor my ein nor my address they allowed my personal social to be fraudulently used. Bank account that was used was already closed due to being fraudulently opened. This loan was opened with out my permission without my correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: WELLS FARGO & COMPANY

Complaint narrative:
After returning to my home country from the United States on XX/XX/XXXX, I noticed multiple unauthorized charges on my credit card. As soon as I became aware of these transactions, I immediately contacted my bank by phone, requested an investigation into the fraudulent charges, and asked them to close my account and card. The bank staff promised that they would investigate, but my card continues to be fraudulently charged up to now, and I have not received any follow-up or updates regarding the 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 non-monetary relief
Consumer complaint received 2026-05-15 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Beginning in XX/XX/XXXX, a XXXX XXXX I will call XXXX gained exclusive control of my Chase Freedom credit card account through my online banking credentials. The password she used which contained her own first name proves she created and controlled the login. I had no physical card and no online access during this period. Chase permitted at least XXXX unauthorized address changes on my account with no identity verification, diverting all account correspondence to addresses I do not control. Despite this, Chase continued charging me interest and fees for over XXXX years. Most critically : every single monthly statement for XXXX consecutive billing cycles carries Chases own notation Transactions designated with an & have been transferred from lost/stolen account. Chases own systems flagged approximately {$11000.00} in transactions as originating from a lost or stolen account, yet Chase never alerted me, suspended the account, or investigated. The only charges I made on this account across the entire XXXX period total {$610.00} XXXX small transactions in XX/XX/XXXX. Every other charge approximately {$28000.00} was made by the XXXX XXXX without my authorization. The largest fraudulent charges include {$6100.00} at an auto dealer on XX/XX/XXXX, and {$6800.00} at a medical provider in XX/XX/XXXX. Chase also reduced the credit line on a XXXX account ( XXXX XXXX ) from its original limit to {$500.00} and then permanently closed it on XX/XX/XXXX, explicitly citing delinquency on this account delinquency caused entirely by unauthorized charges Chase failed to investigate. Chase sent all adverse action letters credit line reductions, returned payment notices to the unauthorized addresses, ensuring I never received timely notice or the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding approximately {$700.00} in disputed transactions involving XXXX XXXX on my Chime account. I did use my card at XXXX XXXX on XX/XX/year>, and authorized multiple transactions earlier that morning. My final authorized transaction occurred at exactly XXXX XXXX on XX/XX/XXXX. After that time, I did not authorize, approve, or participate in any further transactions. Despite this, additional transactions were posted outside of my authorized activity window, including : * XX/XX/XXXX at approximately XXXX XXXX * XX/XX/XXXX * XX/XX/XXXX These transactions were not made or approved by me. I immediately disputed these charges with Chime and provided supporting evidence including screenshots, account statements, and a police report. However, Chime denied my dispute twice and subsequently closed my account without clearly explaining the evidence used to determine the transactions were authorized. I believe my card information was compromised or fraudulently used after my final authorized transaction at XXXX XXXX on XX/XX/XXXX. I am requesting : * A full review of the dispute investigation * Documentation or logs showing how the disputed transactions were authorized * The evidence used to deny my fraud claims * Reimbursement of approximately {$700.00} in unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I opened an account and deposited my social security check on the same day. They flagged it. When I tried to verify my identity, the selfie part wouldn't go through no matter how many times I tried. They hung up on me several times. I either want my account unfrozen or the account closed and the funds released so I can deposit my check elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint regarding misleading information about a 0 % APR promotion on my Citi credit card account. At the time I used the account, I was under the clear impression that a 0 % APR promotional period applied. The way the terms were presented was not clear, and I reasonably believed that no interest would be charged during that period. However, Citi credit card sneakily charged interest every month but did not display it in the app. I checked the fees and interest through the Citi app every month but did not find any records of interest charges. I also called customer service and was told that I had an XXXX APR-free period. I only realized this after being charged approximately {$1200.00} in interest. Citi Bank only displayed the interest information on the second page of the monthly statements, where it was hidden and difficult to find. This was misleading throughout the entire process. Based on this understanding, I carried a balance on the account. However, I was later charged approximately {$1200.00} in interest. This came as a surprise and appears inconsistent with how the promotion was communicated. If the terms had been clearly disclosed or properly explained, I would not have carried a balance or incurred these charges. I have already contacted Citi customer service, but they were unwilling to resolve the issue or provide a meaningful explanation. I told them they should remove the misleading information regarding the XXXX APR-free promotion, but they did not listen. I believe this situation involves misleading or insufficient disclosure of credit card terms. I am requesting a full reversal of the interest charges associated with this issue.

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 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I continue to dispute SPS Servicings handling of my mortgage account, foreclosure activity, Trial Modification process, servicing communications, and disputed charges. Although SPS acknowledged receipt of my correspondence and complaints, SPS still has not substantively addressed my repeated requests regarding disputed foreclosure-related fees, legal fees, inspection fees, penalties, property-related charges, and other servicing fees accumulated during this disputed process. SPS continues sending general acknowledgment letters and payment-related communications while failing to provide : a complete itemized breakdown of disputed charges ; written explanations for assessed fees ; confirmation whether disputed fees are being reviewed ; confirmation whether disputed charges will be suspended, refunded, waived, or removed ; or corrected account records reflecting the disputed servicing status. I dispute these fees because : foreclosure activity continued during active loss mitigation review ; SPS provided inconsistent and contradictory servicing communications ; SPS failed to provide finalized written Trial Modification instructions ; SPS continued foreclosure activity while Trial Modification review remained active ; SPS created confusion regarding payment handling and compliance requirements ; and SPS allegedly restricted or interfered with payment attempts during the disputed period. In addition, foreclosure postponement notices and foreclosure postings created additional confusion regarding foreclosure timelines and account status. Despite repeated written requests and regulatory complaints, SPS has not directly addressed the disputed fees and charges issue. I believe SPSs servicing conduct has been inconsistent, unfair, misleading, and harmful because disputed foreclosure-related charges continue accumulating while servicing disputes and Trial Modification issues remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I reported unauthorized activity in my Paypal account where someone managed to access my Paypal account, added their debit card to my account, and then cashed out or withdrew funds from my account to their debit card. This was all done without my knowledge or my permission. I had {$2000.00} taken from my Paypal account fraudulently. I filed a dispute/claim with Paypal notifying them of this unauthorized activity on XX/XX/year>. By XX/XX/year> Paypal denied my dispute saying that the transactions were authorized. I attempted to appeal this decision because if Paypal had truly investigated they would clearly see that a debit card that was not in my name had been added to my Paypal account and my balance had been withdrawn to this debit card that was not in my name. That alone literally says this was fraudulent because the name on the debit card was not mine and so should never have been allowed to be added to my Paypal account nor should my balance have been allowed to be withdrawn to a card that was different than my name on the Paypal account. Paypal would not allow me to appeal their denial decision. When I asked for the documents or information used to deny my dispute I was met with non compliance completely. I have never been given anything from Paypal that tells me why my dispute was denied or how they came to the conclusion to deny my dispute. I believe Paypal never even investigated my dispute because if they had they would easily see my balance was withdrawn to an account with a debit card that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
COMPLAINT AGAINST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) RENTAL AGREEMENT : XXXX XXXX CASE NUMBER : XXXX I am filing a formal complaint against XXXX XXXX XXXX for predatory billing, unauthorized financial withdrawals, and severe anti-consumer practices during a documented medical emergency. I rented a vehicle in XXXX XXXX, FL. During the rental period, a sudden, life-threatening XXXX complication required an emergency, life-or-death diversion to a hospital in XXXX, XXXX Due to this severe medical trauma and resulting hospital admission, the vehicle had to be retained and returned out of state to the XXXX, VA XXXX location. Following this emergency return, XXXX withdrew an astronomical {$5700.00} from my checking account. XXXX initially locked my account ( placing me on a " Do Not Rent '' list ) and refused to provide an itemized receipt for this massive charge. Upon finally receiving the breakdown, I discovered XXXX had charged highly punitive penalty fees, including a {$580.00} " One-Way Fee, '' a {$510.00} " Security Fee, '' and a massively inflated daily rate totaling {$3200.00} for a 14-day rental. I attempted to negotiate in good faith. I offered to pay a standard, fair rental rate for the 14 days we had the vehicle, and I offered to provide my HIPAA-protected hospital admission records to XXXXXXXX XXXX Executive Escalations team to qualify for a medical hardship waiver for the punitive penalty fees. XXXX XXXX XXXX explicitly stated in writing : " an adjustment will not be made based on medical issues. '' Budgets refusal to accommodate a severe, documented medical crisis, their decision to charge nearly {$6000.00} for a two-week rental under medical duress, and their initial refusal to provide a receipt constitute predatory business practices. I am requesting regulatory intervention to secure a refund of the punitive fees and the inflated base rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had autopay enabled on my former XXXX XXXX account issued by Wells Fargo. Payments were withdrawn from my XXXX bank account, including a rent payment of {$1800.00} on XX/XX/year>, but some payments may not have been properly applied during the former XXXXWells Fargo XXXX XXXX Beginning around XX/XX/year>, I experienced multiple payment processing problems. Utility payments failed and caused late fees despite autopay being set up. Daycare ACH payments using the same account information were reported by the merchant as never received for XXXX months, requiring me to repay those bills using my personal debit card. However, related transaction activity still appeared within the Wells Fargo account. Wells Fargo currently shows an approximately {$3500.00} balance that I do not fully understand or believe is accurate based on my payment history and autopay setup. During this period, my original Bilt card relationship with Wells Fargo was ending. I later reapplied for the newer XXXX account after an initial denial and was eventually approved on XX/XX/year>. Some of these issues may have occurred during the account transition period. I also received repeated calls from Wells Fargo where calls disconnected shortly after answering or ended before resolution. I was unable to obtain a clear explanation regarding the account status, payments, or fees. I request a full payment trace and investigation into possible misapplied or failed payments, correction of inaccurate reporting, and review/removal of related fees.

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