vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX credit card was at first connected with Wells Fargo. The XXXX card was closed based on their relationship with Wells Fargo ending. I was given a XXXX XXXX card ( a new card through XXXX no longer connected to Wells Fargo ). I made duplicate payments to Wells Fargo and to XXXX to settle balances. Wells Fargo refunded me given the duplicate payments and is now claiming I have an overdue unpaid balance. XX/XX/year> : XXXX asked if I would like to transfer my balance from Wells Fargo to the XXXX XXXX card. I received an email confirming. XX/XX/year> XXXX requested to close my Wells Fargo account and I received an email confirming this from Wells Fargo. XX/XX/year> : Email from XXXX confirming my balance transfer process has been initiated XX/XX/year> : I made a payment of {$1400.00} to XXXX XX/XX/year> : I made a payment of XXXX to Wells Fargo XX/XX/year> : I received a payment reversal from Wells Fargo of XXXX given my XXXX XXXX card payment had covered this amount. XX/XX/year> : I receive an email from Wells Fargo saying I owe a balance XX/XX/year> : I called Wells Fargo to ask about the balance. They inform me that they dont understand where it came from. And have to escalate it with their executive office. I ask to pay the minimum while I dispute it given I dont want it to impact my credit score. They said Im unable to pay anything now because the account is closed and that I need to wait for a call back from the executive office.

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 2026-05-04 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: OR

Complaint narrative:
Using my chime account, on the morning of XXXX XXXX, i received a text message from Chime Fraud alert regarding a {$100.00} charge attempted on my debit card. I was at work and had not made any charges on my card, and as such I marked the charge as unauthorized, to which i received the response from Chime that the transaction had been blocked and no money was removed from my account. Almost immediately after that i received a notification from my Chime app with a transaction of {$100.00}. Upon more research I learned that the merchant had switched to a different vendor name in order to bypass the fraud claim and make the charge go through. With this knowledge I had filed a dispute on the charge with XXXX XXXX XXXX of evidence regarding the transaction : A screenshot of my text messages with chime fraud alert, showing that i declined the transaction and marked it as fraud A screenshot of the transaction history showing the timestamps and amounts of the attempted transaction and the transaction that went through, both within the span of a minute of each other just under a different vendor name A copy of my messages with Chime support bringing the issue up and asking what had happened, whilst the only response was being told that the transaction was blocked and no funds were removed from my account. After a week of review, even with the evidence I had submitted alongside the dispute, my claim was denied. The evidence i had placed into the dispute was quite substantial and should have been more than enough to have them realize the issue at hand and approve my claim. With that being said, I attempted to file an appeal to the dispute, only to be denied and have my request for appeal denied. Given all of the situation and how this has been handled, despite the substantial evidence, it is my belief that Chime as an institution mishandles their customer complaints, Fraudulent charges, and Appeals process. When I originally asked regarding when I could see the reasons for denial of claim I was told it would arrive in my email within 48 business hours. This morning, XX/XX/XXXX, I called to request them again and find out the status of it being sent out only to be told that it had not been sent out yet. In shorter terms, Chime as a Financial Institution has been mishandling their clients ' finances and refusing to take action regarding very clear fraud. I am certainly not the only person this has happened to either. Their way of handling the claim seems almost as though they just ignored the evidence at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I called I c system and was told that the account that was reported to credit bureau was inaccurate and I don't owe a bill in the amount of {$320.00}

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My business checking account was closed by Bank of America. The name is XXXX XXXX XXXX XXXX After closure, I received 2 separate balance refund checks at two different time. A second check for {$100000.00} was issued on XX/XX/XXXX but expired before I could cash it due to travel, the expired check No. is XXXX. On XX/XX/XXXX, I contacted Bank of America to request a reissued check. I have called twice a week to follow up with no resolution. I escalated the case but received no response after 24-48 hours as promised. On XX/XX/XXXX, a representative asked me to submit another stop payment request and wait an additional 10 business days. This is the third time I have been asked to wait with no result. I have not received my {$100000.00} and Bank of America has failed to resolve this issue despite repeated follow-ups over the past 3 weeks.

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 monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: US Claims Litigation Funding, LLC
State: CA

Complaint narrative:
I originally had a smaller loan on my settlement to allow myself and My family to have some recourse at the end of the bankruptcy, I was convinced to take out a 2nd loan that we didn't realize was over 300 % markup.... it not only took our settlement but left us with future debt we have no way of repaying.

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 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding a serious inaccuracy on my credit report involving a delinquent auto loan that I did not authorize. I recently visited XXXX dealership to apply for financing. During the credit review, I was informed of a delinquent account reporting that I co-signed on a vehicle loan. I want to be clear, I have never co-signed on any vehicle, I have never purchased a vehicle, and I have never signed any documents related to this account. This account does not belong to me. After discovering this issue, I contacted the credit reporting agencies, and I was advised that the vehicle associated with this account is currently registered and being driven under another individual 's name. This raises serious concerns. If the vehicle is owned and titled to someone else, I do not understand how I am being reported as financially responsible for the loan. This appears to be a case of inaccurate reporting and/or potential identity misuse. I am requesting the following : XXXX. A full investigation into this account. XXXX. Immediate removal of this account from my credit report if it can not be property verify with my authorization XXXX. Documentation showing any alleged agreement bearing my signature XXXX. An explanation as to how this account is linked to me despite the vehicle being registered to another party. This error is negatively impacting my ability to obtain financing and is causing financial harm. I have already attempted to address this issue directly with the credit bureaus, but it has not been resolve. Please treat this matter with urgency and ensure that my credit file reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank emailed me saying they had issued me a credit card and it has a balance but has refused to tell me the account number. I talked to Citi Bank and they said it might take 8 weeks to issue my physical card. I filed a CFPB complaint and Citi Bank responded with instructions to log on to their website but their website requires me to enter the same account number they have not provided. CFPB accepted this and closed my complaint. Citi Bank did not address my complaint. Citi Bank has issued me a credit card but have refused to tell me the card account number. Citi Bank ignores the subject of my complaint and responded with instructions they prevent me from following.

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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am filing a formal complaint regarding Wells Fargo 's bad-faith stalling tactics in processing a valid Cellular Telephone Protection claim ( a stated benefit of this credit card ). My covered device required a warranty replacement of {$600.00}. I have submitted all required documentation to the benefits administrator. Instead of processing the claim, Wells Fargo and their third-party administrator have engaged in a deliberate tactic of 'document attrition'repeatedly asking for the exact same documents I have already provided in an attempt to stall the claim until I surrender. This renders the advertised credit card benefit completely illusory and constitutes a deceptive marketing practice. I demand the immediate processing and payout of the {$600.00} cellular protection claim to my account, and an end to these bad-faith delay tactics.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern I am filing a formal complaint regarding my inability to access my Bank of America business checking account for the past 5 days. Since being locked out, I have made repeated attempts to contact customer service by phone. Each time, I have been placed on hold for extended periods without ever being able to speak with a representative. Despite multiple days of trying, I have received no assistance. On XX/XX/year>, I visited a Bank of America branch in person seeking help. However, I was told that the branch could not assist me and that I must resolve the issue by calling customer servicedespite the ongoing inability to reach anyone by phone. This situation is severely impacting my ability to operate my business, including accessing funds, making payments, and managing financial obligations. I am requesting immediate action from Bank of America to : 1. Restore access to my business account, or 2. Provide direct contact with a representative who can resolve this issue without further delay Additionally, I request an explanation for why no alternative support options are available when phone support is inaccessible. Please treat this matter as urgent. Looking forward to a prompt response and resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ACCT # LAST 4 Digits : 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
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: NJ

Complaint narrative:
There were numerous times when money was taken out of my XXXX XXXX account and there was one time when {$300.00} was taken out of my credit card and it was never settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I sent {$1500.00} through Chime to an individual posing as a XXXX XXXX. I later discovered I was instructed to send money to multiple different names and accounts, indicating a coordinated fraud scheme. No services were provided. I have filed a police report and submitted evidence, but Chime has denied reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Klarna AB
State: NY

Complaint narrative:
In XX/XX/2025 I was a victim of identity theft. My parent 's XXXX XXXX XXXX account which provides my cellphone number was compromised. My XXXX account was also compromised and I started getting weird emails. When I realized the fraud was happened I filed a claim with XXXX and put a lock of my social security number. I was able to close all fraudulent accounts and cards that were open without my authorization. The only account that was not able to be closed was the XXXX account which was also fraudulently opened and did not authorize. Two items were ordered from XXXX a XXXX XXXX XXXX XXXX ( {$790.00} ) and XXXX XXXX XXXX ( {$690.00} ), both of which I did not order. I have called Klarna 2x to close the account and report fraud, however they have denied my claim twice. They have not closed my account or disputed the charges. I have also tried to contact XXXX account that was fraudulently opened to make the Klarna purchases, however after multiple calls they failed to close that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
-Payment due date was XX/XX/2026 -Payment ( total balance due ) was delivered to payment address XX/XX/2026, per tracking information from United States Postal Service -Payment processed and posted to my credit card account XX/XX/2026 -Late fee of {$37.00} assessed on XX/XX/2026 -Interest of {$3.00} charged XX/XX/2026 I sent written communication to the company, Comenity Bank, about this matter but have been unsuccessful in convincing the company to remove the late fee and interest charge totaling {$40.00} from my account. Supporting documentation and related communications have been attached. Supporting documentation was already submitted to Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
I am disputing the amount being collected by this company in connection with an alleged HOA debt. On or about XX/XX/year>, I received a statement reflecting a total balance of approximately {$5700.00}. Upon review, the actual HOA assessments appear to total only about {$1700.00}, while the remaining balance, over {$3900.00}, consists of collection fees, administrative charges, interest, and miscellaneous costs. The statement includes numerous recurring and potentially duplicative charges, including but not limited to : * Multiple administrative and monitoring fees * Recovery operations charges * Repeated collection letter fees ( including charges of approximately {$180.00} each ) * Lien-related and processing fees * Ongoing late fees and miscellaneous charges These additional charges appear excessive and disproportionate to the original balance and raise concerns about whether they are properly authorized or reasonable. After receiving the statement, I attempted to resolve the matter in good faith by offering a settlement of {$2200.00}. This offer was rejected, and I was informed that I must pay over {$5000.00} to resolve the account. Despite my attempt to resolve the matter, the company continues to pursue the full inflated balance without providing adequate documentation validating the fees or demonstrating that these charges are authorized under any governing agreement. Additionally, the statement reflects escalation toward legal action, including notices indicating potential litigation, which has increased urgency and concern regarding the handling of this account. I am disputing the accuracy and validity of the total amount being collected, specifically the excessive collection fees and administrative charges that significantly exceed the original HOA assessments.

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 2026-05-04 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
" I am formally disputing the balance of {$4100.00} currently held on my Wells Fargo account. This balance consists of unresolved fraudulent charges originally incurred at XXXX XXXX. The balance was transferred under the pretense that the fraud investigation would be resolved, but the bank is now stonewalling and accruing interest on stolen funds. I am requesting an immediate internal investigation, a removal of all accrued interest on this specific amount, and a chargeback to the original merchant for failing to secure the account against fraud. ''

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting a complaint regarding a transaction processing issue with my Capital One account that is resulting in an inaccurate and misleading available balance. On XX/XX/2026, I made a purchase with XXXX XXXX in the amount of approximately {$390.00}. The transaction was fully posted to my account on XX/XX/2026. However, the original authorization hold for this same transaction remains pending as of XX/XX/2026, and continues to reduce my available balance. As a result, my account is currently reflecting : A posted charge for the transaction ( XX/XX/XXXX ), and A separate pending authorization hold for the same amount This creates both the appearance and the functional effect of a double charge, as my available funds are being restricted twice for a single completed transaction. I contacted Capital One, and they advised that the hold may remain until as late as XX/XX/2026. I also contacted XXXX XXXX, who confirmed that the transaction has already been fully captured and that no additional or active authorization should remain on their end. This situation has caused : A significant and unexpected reduction in my available balance Temporary loss of access to funds that should no longer be restricted Financial stress due to the discrepancy between posted transactions and available funds I am a parent responsible for providing for my children, and I currently have approximately {$180.00} available to support myself and my family at home. The continued restriction of these funds is creating immediate financial strain and limiting my ability to meet basic needs. While I understand that authorization holds are part of standard processing, the continued presence of a hold after the transaction has already posted creates an inaccurate representation of available funds and places an unnecessary burden on the consumer. I am requesting : Immediate review of the pending authorization hold Confirmation that no duplicate charge has been processed Release of any unnecessary or outdated holds Clear explanation of Capital Ones policy regarding hold release timing after transaction posting I also request improved transparency in how available balances are presented when both posted and pending transactions exist, as the current system creates confusion and avoidable financial distress. I am seeking prompt resolution and restoration of accurate access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: MS

Complaint narrative:
The vehicle was purchased under the understanding that it would be fully functional and covered by warranty. However, the car did not work properly after purchase. The warranty was not honored, and the dealer refused to provide the necessary repairs or support. This resulted in the vehicle being unusable as expected and not meeting the agreed condition at the time of sale.

Company response to consumer: Closed with explanation