vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I am submitting a complaint because I am owed a refund from Google that was never processed, despite multiple communications and assurances from Google support. In XX/XX/year>, Google notified me that a refund ( for a Google XXXX purchase ) could not be completed due to a payment method issue. I verified and updated my payment method directly through Googles official website ( not through any external links ). Google representatives repeatedly confirmed the refund would be processed within 60 days of updating the payment method. I followed all instructions and confirmed the update. After 60 days passed with no refund, I contacted Google again. They escalated the case and later claimed the refund was successfully processed on XX/XX/year>, but my bank confirmed no such transaction occurred. To date, I have not received the refund, and my banks records show no evidence of it being sent. Multiple Google support agents have provided conflicting information, and theres been no resolution for more than 90 days. I have attached emails documenting the full interaction with Google support.

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 2026-04-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a purchase fron XXXX for XXXX my credit card was charged XXXX twice.XXXX XXXXXXXX I open a dispute with the bank it was denied. When I received the item I returned it to the post office on XX/XX/XXXX, My XXXX account was refunded .. On XX/XX/XXXX the refund was reversed. I contacted XXXX & the seller for reason why no help. I contacted the bank again to dispute they said I was refunded & the case was closed. I then sent proof of the reversed payment and the issue was still not resolved. Now I'm out of XXXX & the product. I would like to open a full investigation. I never received any payment from XXXX or the branch

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of my Wells Fargo XXXX XXXX XXXX credit card account. I opened the account in XX/XX/XXXX. My annual fee ( {$95.00} ) was scheduled and pending on XX/XX/XXXX. On XX/XX/XXXX I contacted Wells Fargo to close the account and explicitly requested that the annual fee be reversed. The representative confirmed the account closure and assured me that the annual fee would be removed. After noticing the fee remained on my account, I contacted Wells Fargo again on XX/XX/XXXX. I was again reassured that the fee reversal would occur and that it simply required additional processing time. Relying on these representations, I waited. However, by XX/XX/XXXX, the annual fee had still not been reversed, and a penalty charge of {$1.00} had been added. I contacted Wells Fargo again and was transferred multiple times, ultimately resulting in a complaint being opened. I subsequently received written responses denying the refund. I called again on XX/XX/XXXX, XXXX representative that I spoke with incorrectly stated that the fee had posted in XXXX and that I had exceeded a grace period. This is factually incorrect. My statements confirm the fee posted in XXXX. A new complaint case was opened. On XX/XX/XXXX I received a generic response stating that annual fees are eligible for reimbursement if the account is closed within 60 days of the fee posting. My account was closed on XX/XX/XXXX, XXXXwithin one day of the fee being pending and effectively within any stated eligibility window. Despite meeting and exceeding these requirements, Wells Fargo has refused to issue the refund. Additionally, my spouse held the same card, followed the same process, and successfully received a full annual fee reimbursement, demonstrating inconsistent application of policy. Throughout this process, Wells Fargo representatives provided repeated assurances that the fee would be reversed. I relied on this information, only to later receive contradictory and inaccurate explanations. I believe Wells Fargo has failed to honor its stated policies, provided misleading and inconsistent information, and improperly denied a valid reimbursement request despite clear documentation and timely action on my part.

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 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year>, at Best Buy Store # XXXX ( XXXX XXXX XXXX ), I was induced into a credit application through three specific material misrepresentations by a sales associate : Credit Impact : I explicitly asked if the application was a " soft pull '' or " hard pull. '' I was told it was a soft pull. It was actually a hard inquiry that impacted my credit score. Reward Terms : I was told the card earned 5 % back on " everything, '' specifically including gas and XXXX purchases. This is false ; the 5 % only applies to Best Buy. Promotion Stack : I was promised a {$70.00} total incentive ( {$50.00} plus a {$20.00} promotion ), which was later denied by store management. When I requested the legally required Terms and Conditions during the application, the associate ignored my request. On XX/XX/year>, I met with store management. They provided a {$50.00} voucher but admitted the associate had misinformed me. I subsequently escalated this to Best Buys Executive Resolution Team ( Case # XXXX ), who admitted in writing that a " training gap '' existed and that I was " unintentionally misinformed. '' A 3rd-party ethics review ( XXXX ) was initiated but closed without further resolution. I am seeking a total of {$200.00} in compensation ( {$150.00} additional ) for the deceptive marketing used to secure this financial contract and the unauthorized hard inquiry on my credit report.

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 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
am filing this complaint because Ally Financial has failed to refund an overpayment of approximately {$500.00} following the payoff of my vehicle loan ( Account Number : XXXX. Car model ; XXXX XXXX XXXX XXXX : XXXX The loan was paid off in full around end of XXXX or early XX/XX/XXXX during the closing process of my new home. The payoff funds were sent via an escrow company. Due to the timing of the final payment and the escrow disbursement, an overpayment occurred. It has been over XXXX months since the closing date ( XX/XX/XXXX ), and I have yet to receive the refund. I have already updated my current mailing address in XXXXXXXX XXXX with the bank, and I have also confirmed with my previous landlord in XXXX XXXX that no check was delivered to my former residence. Despite the loan being fully closed, the bank is still withholding my funds without any clear explanation or timeline for the refund.

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 2026-04-07 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: MD

Complaint narrative:
XXXXI contacted Chime to dispute fraudulent charges from someone pretending to be XXXX. I disputed charges from XXXX. The claim amount was {$1000.00} XXXXI contacted XXXX to request a copy of my XXXX & XXXX payment history. XXXX-I received a letter from Chime informing me that based on their investigation, no error occurred. XXXX-I contacted Chime and reopened my dispute. I also uploaded the payment history document that I received from XXXX. XXXXI received a letter from Chime informing me that based on their investigation, no error occurred. The letter also states that I may request a copy of the documents we used in determining the final outcome of the investigation. XXXXI contacted Chime to request a copy of the documents. XXXX-I received an email from Chime that had a spreadsheet of my claim amounts but nothing that showed how they determined the final outcome of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
1collection Total balance : {$2600.00} LVNV FUNDING LLC Original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$2600.00} Balance updated XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Unable to open a banking account because of chex systems.

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 2026-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
In XXXXXXXX XXXX, I underwent a medically necessary XXXX. At the time, I was working as a XXXX. I was one year out of college with not a lot saved up, and I was going to be out of work and revenue for a minimum of 2 months. I called Sallie Mae to see if I could potentially hold off on my $ XXXX payment while I was recovering, and they refused to give me that option. They said the " best they can do '' is refer me to another lending company that might be able to refinance my loans. I have been trying ever since then to negotiate with the company about consolidation or repayment options, and their answer stays the same, with interest rates going up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We received an XXXX deposit into our Wells Fargo account. XXXX was taken by XXXX in charge of setting up our XXXX XXXX, which he did not ever do. I had to do myself. He also screamed at me over the phone XXXX days before we received our expected ACH payment from XXXX XXXX. Wells Fargo claimed they closed our account the next day because the payment was recalled. That was never true. XXXX went missing out of our XXXX account that only my partner and I had should have been able to access. We just received notice today there was never a recall. Now wells has been holding a XXXX a XXXX XXXX and lying to us for weeks telling us only XXXXwas sent back to the company. I've filed several complaints and just filed another one this past XXXX with the XXXX Wells location in XXXX on XXXX XXXX. The XXXX representative XXXX intentionally shut down our wells accounts do he could steal XXXX. The branch on XXXX XXXX where my accounts were opened are all deceptive. When I initially opened my business account last XXXX I was given a yellow post it note with my account and routing number on it. I've had to make several complaints which get immediately closed. I am demanding our funds!! My partners job is on the line also!! They have accused us of fraud and theft and they are the ones stealing from us!! Help!!

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 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
In early XXXX, I signed a lease for an apartment at XXXX XXXX, but I never received keys or had access to the unit and therefore never took possession. Shortly after, within XXXX weeks, the property was sold. I was initially charged {$15000.00}, which was later adjusted to {$6000.00}. I have repeatedly requested an itemized breakdown of this {$6000.00} balance from Midwest Resale, who now holds the debt, but I have never received any explanation of how this amount was calculated. Instead, I have only received emails and statements showing the balance owed and repayment plans. Some communications even implied that I was refusing to pay, which is inaccurate, as I am seeking clarification and transparency regarding these charges. At no point have I been provided a clear or itemized accounting of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding Citizens Banks handling and denial of a fraud claim ( XXXX XXXX ). This matter involves a cryptocurrency investment scam in which I was induced to transfer funds through wire transactions under false representations. The individual I was communicating with over an extended period falsely claimed affiliation with a legitimate company ( XXXX ) and presented what appeared to be a legitimate investment opportunity. I was directed to transfer funds from my Citizens Bank account, which I did based on the belief that I was participating in a legitimate arbitrage investment. The investment platform I was shown displayed account balances and returns that appeared real, but I later determined that these balances were fabricated and that the platform itself was fraudulent. At the time the wire transfers were initiated, I had no reasonable basis to believe that I was the victim of fraud. The structure of the scheme and the false account interface concealed the true nature of the activity. I only became aware that this was a scam at a later date, at which point I promptly reported the matter to both law enforcement and Citizens Bank. Citizens Bank denied my claim, stating that the transactions were authorized and occurred more than XXXX year prior to reporting. However, this determination does not adequately consider that the fraud was not reasonably discoverable at the time due to the use of a deceptive platform presenting false balances and returns. I requested clarification from the bank regarding what factors were evaluated, whether any transaction monitoring alerts or intervention opportunities were identified, and whether the documented misrepresentation was considered. The bank declined to provide this information and stated that the review was final. This complaint is being submitted because I believe the bank did not adequately evaluate the circumstances surrounding the fraud, particularly the delayed discovery caused by deception and whether appropriate safeguards were in place or applied at the time of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I was a victim of identity theft. A credit card from XXXX XXXX was opened in my name with all my info. It was however activated from an unknown phone number. Used in an XXXX store in New Jersey for {$2300.00}. It has since been closed because i have refused to pay a penny. I have tried to resolve this matter without a solution

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I've been with Navy Federal credit Union for since XXXX they are the only bank that I bank with. I have requested a forbearance loan from them and I have submitted it XXXX times and they keep telling me that they didn't get it in time or they haven't reviewed it and this is the fifth time that it has happened and I keep getting the runaround and I'm very tired of it. They have all my documentation and now I would like a formal request to get this resolved immediately. I will attach all of my paperwork and the letter stating of why. Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: DFC Global Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt that I believe is being misrepresented and potentially inflated by the company attempting to collect it. I recall an original debt in the approximate amount of {$650.00}. However, I am now being contacted and pressured to pay nearly {$3000.00}, which appears excessive and has not been properly explained or validated. I have received multiple communications, including emails, that use urgency and last chance language to push me into making a payment. Despite this, I have not been provided with clear documentation showing how the balance increased from the original amount to the current amount being demanded. I am requesting the following : - Full validation of the debt, including a breakdown of all fees, interest, and charges added. - Proof that this company has the legal right to collect this debt. - Verification that the amount being requested is accurate and authorized. Until proper validation is provided, I do not feel comfortable making any payments. I believe this situation may involve unfair or deceptive collection practices. I am seeking assistance to ensure that my rights as a consumer are protected and that this matter is handled fairly and transparently.

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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coconut Funding Corporation
State: TX

Complaint narrative:
On or around XX/XX/year>, I was charged {$2900.00} by Coconut Funding ( CFC ) through an XXXX bank transfer. This charge was related to a supposed business funding or loan. However, I never received any loan proceeds or any actual service from this company. After the charge, I attempted to contact the company multiple times but received no response. I also contacted my bank ( XXXX ), and they attempted to reach the company, but the company did not respond to them either. I requested a refund and an explanation of the charge, but no information was provided. I believe this charge is unauthorized, deceptive, and unfair because I was charged for a service that was never delivered. I am requesting a full refund of {$2900.00} and appropriate action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding a denied cash bonus promotion for a new checking account. I opened a BMO checking account under a promotion that required {$4000.00} in qualifying direct deposits within 90 days. I met this requirement within the specified timeframe. My account received multiple ACH deposits, including : Payroll deposit from my employer ( XXXX ) Multiple ACH deposits from XXXX XXXX , labeled as XXXX XXXX PAYMENTS According to the official promotion terms, qualifying direct deposits are defined as : deposits of regular income from an employer or similar third party. The terms do not state that : deposits must be XXXX payroll only deposits must be issued under the account holders name XXXX ( XXXX ) income is excluded Despite this, BMO denied the bonus and stated that only {$3000.00} qualified, effectively excluding all XXXX deposits without citing any specific clause from the terms. I provided : Bank statements showing ACH deposits from XXXX Documentation supporting that these are payments for services BMO additionally requested an unredacted Form XXXX containing sensitive personal information ( including SSN ), which is not relevant to verifying direct deposits and raises privacy concerns. I believe BMO is applying undisclosed and inconsistent criteria that were not clearly stated in the promotion terms, resulting in a misleading offer. I am requesting : A review of my eligibility based on the published terms Payment of the promised promotional bonus I have attached supporting documentation, including the promotion terms and account statements. BMO appears to be applying internal criteria that were not disclosed to customers at the time of the offer.

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