vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Complaint Explanation I am submitting this complaint regarding interest charges applied to my account following what I believe to be an unfair and inadequately disclosed payment processing practice related to a promotional balance. At the end of my promotional period, I made a good faith effort to pay the remaining balance in full. At that time, approximately {$370.00} remained. I had an automatic payment of {$250.00} already scheduled and submitted an additional payment of {$120.00} to satisfy the remaining balance. However, instead of applying the {$120.00} as an additional payment toward the outstanding balance, the issuer reduced my previously scheduled automatic payment. This resulted in a small remaining balance at the end of the promotional period, which then triggered approximately {$3000.00} in interest charges. At no point was it clearly disclosed that submitting an additional payment would reduce a scheduled automatic payment. A reasonable consumer would expect that an additional payment would reduce the balance owed, not alter an existing scheduled payment in a way that creates a shortfall. I did not cancel or unenroll in automatic payments. The outcome appears to be the result of the issuers internal payment processing method rather than any action taken on my part. Why This Is a Concern This situation raises concerns regarding : Lack of clear and conspicuous disclosure about how additional payments interact with scheduled automatic payments Payment processing practices that produce unexpected and adverse outcomes for consumers acting in good faith The assessment of significant interest charges despite a clear attempt to pay the balance in full Resolution Requested I am requesting a full reversal of all interest charges associated with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> {$4300.00} was taken from my account unauthorized by Wells Fargo legal team, I called Wells Fargo and explained the situation about them going in my account and taking money unauthorized they told me they can do that because I owed on a credit card and told me to call the number of the institute so I called, come to find out it was another branch of Wells Fargo '' Wells Fargo leagle team '' I ask them about the XXXX XXXX and he said they can do that and that banks do it every day, and he told me Wells Fargo is sueing me, so I told him why not let the lawyers handle it. He was supposed to have someone call me from upper management and said it takes 2 business days, no one called, so I called the bank back after 3 days to dispute the unauthorized withdrawal and he told me there was nothing they could do and I told him just because it was another branch of wells Fargo still should be treated as other institution.

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 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: TX

Complaint narrative:
I attended XXXXXXXX XXXX and completed the XXXX process, receiving federal student loans totaling approximately {$30000.00}. However, this aid was not sufficient to cover the full cost of attendance. During my enrollment, tuition increased frequently, including across XXXX terms, which significantly raised the overall cost of my education. I was repeatedly advised by school staff that I would need to take out private student loans to continue my program. I was encouraged to obtain private loans such as Sallie Mae, and this was presented as a common or necessary step. I relied on this guidance when making financial decisions. I was not adequately informed of the long-term financial impact of these loans, including high fixed interest rates exceeding 13 %, interest accrual during school, and total repayment obligations far exceeding the original loan amount. Importantly, my federal student loans have since been approved for discharge under the XXXX XXXX to Repayment program due to findings related to misconduct and misleading practices associated with my school. This determination raises serious concerns that the same misleading environment and lack of transparency influenced my decision to take on high-cost private loans. As a result, I now have approximately {$80000.00} in private student loan debt and am experiencing significant financial hardship. XXXXXXXX XXXX is part of XXXX XXXX XXXX ( formerly XXXX XXXX XXXX ), which has faced prior enforcement actions related to misleading students. My experience appears consistent with these broader concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On the evening of XXXX XXXX, I started getting very bizarre and frequent ( Every XXXX seconds ) emails. I was at a holiday party in XXXXXXXX XXXXXXXX A friend at the party suspected that I was getting " email bombed '' I then went home and checked my bank and all looked good. The next morning, I received a text from my XXXX XXXX Barclays Credit Card questioning a charge from XXXX for {$460.00}. Apparently an email from XXXX had come through in the midst of the XXXX or so emails I got that evening ( I found this out later ). I immediately called the credit card company and notified them that the charge, along with another from XXXX for {$820.00} were both fraudulent. The charges were flagged, my card was closed, and I was issued a new card. a few days later, I got am email from XXXX asking how my check-in had gone. I realized that someone had actually checked into a hotel under the booking that was made on my credit card! I immediately contacted the credit card company as I assumed the charges had been denied as I had notified them they were not charges I made. The person I spoke to did not seem interested in helping and very casually told me I had to contact the XXXX XXXX XXXX XXXX She connected me with them. I spent XXXX min on hold before hanging up. I found out later they were closed for the day. Approximately XXXX month or so later, I noticed the XXXX charges had re-appeared on my credit card statement. I then called the credit card company and they stated that because my email had been associated with the charges, they reassigned the charges to me. I vehemently disputed the charges and asked what I could do to prove that I did not make those charges. I have since called the fraud investigation team twice and spoken to a supervisor. They created a case file for me and said it would take XXXX billing cycles to resolve. I have heard nothing from them and it has been almost XXXX days. They have provided me with no means of proving that I was not in the area when the charge was made, nor did I stay in the hotel or check into it. I did call booking.com and they agreed that the name on the hotel booking was not me. I have done everything I can to resolve this but seem to be hitting a wall with the credit card company. They will not listen to my story and also will not provide me any guidance as to how to prove I did not make these charges. The supervisor I spoke to was XXXX on XX/XX/year>. She gave me XXXX claim numbers, XXXX for each charge. The first one is XXXX. The second is XXXX. I have called the XXXX XXXX XXXX XXXX XXXX at XXXX. They have given me a second number as well XXXX. I hope you can help me. Thank you!

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am disputing a charge financed through Affirm for a XXXX XXXX booked via XXXX. The reservation was canceled immediately after booking, and I never stayed at or used the hotel. Despite this, XXXX refused to issue a refund, and Affirm has continued to hold me responsible for the charge after I disputed it twice. This charge is for services never rendered. I acted in good faith by canceling immediately and have documentation showing the cancellation and the fact that I never checked in. Affirms refusal to remove this charge is unjust, and I should not be held liable for a service I did not receive. I am requesting : A full reversal of the loan/charge associated with this transaction Removal of any balance, interest, or fees related to this charge Confirmation that this will not negatively impact my credit I have already attempted to resolve this with both XXXX and Affirm multiple times. If this matter is not resolved, I am prepared to escalate to the Consumer Financial Protection Bureau, the XXXX Attorney General, and other appropriate legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: QC HOLDINGS INC
State: LA

Complaint narrative:
On XX/XX/2026, I received multiple phone calls and voicemails from unknown numbers claiming to be a legal department regarding an alleged payday loan debt. The callers used different names, including XXXX XXXX and XXXX XXXX with XXXX, and referenced a case number. They stated that multiple complaints had been filed against me and that I was being investigated for check and bank fraud. They threatened felony charges and said that agents would be dispatched to multiple addresses associated with me if I did not respond immediately. The callers had access to my personal information, including my name and addresses, and they also contacted multiple family members attempting to locate me. I do not recognize this loan and do not recall applying for it. The callers refused to provide written verification of the debt and used high-pressure tactics, including urgency and legal threats, to force immediate contact and payment. I believe this is a scam or a fraudulent debt collection attempt and harassment. The behavior appears to violate fair debt collection practices, including harassment and false threats of legal action.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). You are hereby directed to cease and desist from any and all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, communication by telephone, email, text message, written correspondence, or through third parties. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the debt collector must comply, except to advise that collection efforts are being terminated or that specific legal action may be taken. Any further communication from you, outside of what is expressly permitted by law, will constitute a violation of the FDCPA and may result in legal action being taken against you, including the pursuit of statutory damages, actual damages, and attorneys fees. This notice is not an acknowledgment of liability for the alleged debt. Please govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
COLUMBIA DEBT RECOVERY is adding fees every month to what is owed. they are a collection agency previous amount owed was The original amount of this account was {$5600.00} Balance history XX/XX/XXXX {$6100.00} Balance {$0.00} Schedule payment {$0.00} Paid XX/XX/XXXX {$6000.00} Balance {$0.00} Schedule payment {$0.00} Paid XX/XX/XXXX {$6000.00} Balance {$0.00} Schedule payment {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complaint is a follow-up to CFPB Complaint No. XXXX, which was closed without resolution. In response to my original complaint, Bank of America sent a letter dated XX/XX/year> instructing me to contact its XXXX XXXX Department to complete the final payment and reinstate my settlement agreement. I followed those instructions on XX/XX/year>. However, I was then informed that my account had already been placed with a third-party collection agency ( XXXX XXXX XXXX XXXX ) and that the settlement department was unable to assist or reinstate the agreement. As a result, I was directed to negotiate a new settlement through a third party, despite having already made XXXX payments under the original agreement and attempting to complete the final installment in good faith. Bank of Americas response did not provide a workable resolution and instead directed me into a process that can not achieve the outcome they described. I am now left without a path to complete the original settlement and resolve the account as agreed. I am requesting that Bank of America take the necessary steps to either recall the account from the third-party agency or otherwise allow me to complete the original settlement agreement.

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 2026-03-31 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am a Chase Sapphire Reserve cardholder and booked travel through the Chase XXXX portal using points. I experienced multiple service failures tied to this booking : A flight was presented as a premium or upgraded experience, but the ticket issued was XXXX XXXX XXXX XXXX XXXX XXXX, which did not match the expectation created during booking. Additionally, XXXX experiences booked through the portal were canceled, disrupting my travel plans. I contacted customer service and requested escalation, but no resolution or goodwill adjustment was offered. Given the premium annual fee associated with this card and the expectation of a higher level of travel service, this experience falls short of what was advertised. I am requesting a goodwill credit or points adjustment to reflect the discrepancy in booking presentation and the disruption caused by canceled services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: Chime Financial Inc
State: TX

Complaint narrative:
From XX/XX/2026 to XX/XX/2026, Ive had over {$18000.00} used from my chime account. Theres a lot of unusual activity on my account within XXXX days XXXX almost {$10000.00} was used for this online platform. They go under different names I have disputed it and they have yet to resolve it. They deny my claim within XXXX hours I have sent police reports I have sent in all the emails showing that my account was compromised. They have yet to fill to keep my account safe while I was on the phone with a life agent, this merchant was attempting to withdraw money from my account for large amounts of money, and the transactions are back to back. I have reached out to Chime many many times Ive been hung up on. They told me they safeguarded my account. They lied. They even admitted to lying about not properly handling my account and not safeguarding it. They didnt flag it. They didnt even notify me of these transactions happening in my account on some of the disputes. They did do a split decision and the rest they had denied I call in and they deny the very next day sometimes within XXXX hours of doing my disputes I have requested a full investigation a re-investigation of the whole investigation they continuously just send me the information that I had said for my dispute and my statements from my account they have failed to supply me with any kind of documentation showing proof that they actually did the dispute and they contacted these merchants. Ive tried contacting these merchants, and I can not get a hold of them. They claim that they have and I have been fighting for my money since XX/XX/2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This account continues to be updated monthly without proper validation, causing ongoing harm to my credit profile. I am submitting this complaint regarding a Bank of America account that is currently being reported as a charge-off on my credit report. This account continues to be updated and reported monthly, despite the fact that I have not received any proper validation or documentation supporting its accuracy. This ongoing reporting is causing continuous harm to my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I requested a reinvestigation and the method of verification. However, I was not provided with any evidence showing how this account was verified or what records were used. The continued updating of this account without proper investigation raises serious concerns regarding compliance with federal law, as it appears to be an attempt to maintain the account as active without substantiating its accuracy. I am demanding the immediate deletion of this account from all credit reporting agencies. I am not requesting another generic verification I am requesting full removal due to failure to properly investigate and validate. If this issue is not resolved, I will pursue further escalation.

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 2026-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
On XX/XX/26 I called in to XXXX XXXX XXXX with the intention to resolve my account. I asked if it was possible to have it in writing that the account would be deleted upon full payment. The original representative was very courteous and helpful but needed to transfer me to the XXXX to fully answer the question. The XXXX explained that it was against the law to send an agreement letter before payment has been made. I kindly replied that her information was new to me and that I didnt know it was against the law because another company had just done that for me right before calling in to this company. This is when the XXXX became extremely frustrated and aggressive towards me. Stating she wasnt going to argue with me to which I tried to assure her that I wasnt trying to argue and that XXXX trying to resolve my account. The XXXX continued speaking over me and would not let me speak. She managed to hear me say wow over her own hissy fit, to which she then began mocking me and then hung up the phone. Ive truly never experienced such unprofessional behavior in my life. On top of that, im XXXX weeks pregnant and really didnt need that stress.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TOWNE MORTGAGE COMPANY
State: SC

Complaint narrative:
Towne Mortgage Company purchased my mortgage from XXXX shortly after completing a construction to permanent loan in XX/XX/year>. On XX/XX/year> I received a letter stating that it was determined that my home was in a flood zone and I would be required to purchase flood insurance. After speaking with XXXX Mortgage 's insurance division, they provided the Standard Flood Hazard Determination Form ( SFHDF ) prepared by XXXX XXXX XXXX. The XXXX states that my home is in XXXX XXXX XXXX but refused to provide any additional details on how they came to this determination. XXXX has their determination that my home is in XXXX XXXX XXXX I initiated a LOMC on XXXX 's website even though it seemed irrelevant. I spoke with representatives from XXXX and they said they would review their findings but only at XXXX Mortgage 's request. After multiple phone calls with XXXX XXXX XXXX Department they refuse to request a review of XXXX 's findings. XXXX Mortgage stated they would charge me for flood insurance until the XXXX is returned from XXXX. This is absolutely insane that they are forcing me to purchase insurance that is not needed. This is deceptive business practices and I'm sure there is some kick back program between XXXX Mortgage and XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Reporting invalid debts after court dismissal I am filing this complaint against a debt collector and/or creditor for continuing to reporting an invalid debt on my credit report. The account was dismissed in court, meaning there is no legal basis for the debt to be enforced or collected. despite this, the company continues to report the account as active and/or in collection, which is inaccurate and damaging to my credit. The debit was formally dismissed by the court on insert date I have already disputed this account with the credit bureaus the inaccurate information remain on my credit.

Company response to consumer: Closed with non-monetary relief