vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have been attempting to maintain my auto loan account in good standing but have been unable to due to repeated failures by the company to process agreed payments and provide functional customer support I set up multiple payment arrangements for XXXX and XX/XX/year> including scheduled payments of approximately XXXX to XXXX dollars These payments were authorized and expected to be withdrawn automatically However no payments were processed after XX/XX/year> As a result my account is now reported as over XXXX dollars past due which is not accurate based on the payment arrangements I set up I did not cancel or revoke authorization for these payments If the payments were not processed this appears to be a system or servicing failure I have made multiple attempts to resolve this issue I attempted to contact customer service through the online portal which did not function properly I used the messaging system but conversations were ended without resolution I was repeatedly redirected to call but I am unable to do so I also requested to be placed on recurring payments which has not been completed Each time I get close to a resolution communication stops and no action is taken This has made it extremely difficult to maintain my account and has resulted in an unfair delinquency status I am requesting an investigation into why the agreed payments were not processed correction of my account to reflect the payment arrangements removal or adjustment of past due amounts and fees placement on a reliable recurring payment plan and assurance that my credit will not be negatively impacted This situation is unacceptable and reflects a failure in both payment processing and customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a fraudulent account I'm a victim of identify theft. I have not done any business with XXXX XXXX XXXX XXXX. The amount is for {$200.00} opened on unknown. I file a FTC, Affidavit, police report and included my identification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a resident of XXXX XXXX and a XXXX XXXX XXXX Retiree. I am filing this complaint regarding a coordinated identity theft event on XX/XX/year>, and the subsequent failure of Barclays Bank Delaware to protect my assets. The Incident : My Barclays XXXX credit card was compromised with unauthorized charges of {$200.00} and {$50.00}. Simultaneously, XXXX XXXX milesearned through my loyalty to this co-branded partnershipwere stolen and spent on gift cards. This was part of a multi-institution attack that also targeted my XXXX XXXX XXXX XXXX account on the same day. The Failure of Service : Despite being a victim of a documented breach, I have faced extreme difficulty in getting a resolution. When attempting to resolve this with the airline partner, I was kept on hold for XXXX hours and XXXX minutes, only to be told I must wait XXXX hours for a response. This delay is critical because it allows the fraudulent gift card redemptions to be finalized. I am backed by XXXX XXXX XXXX Identity Theft Insurance, and my XXXX XXXX investigators have confirmed this as a multi-account takeover. While the credit card charges are being disputed, Barclays and their partner, XXXX XXXX, have refused to restore the XXXX miles. Desired Resolution : I am requesting the XXXX assistance in compelling Barclays to coordinate with XXXX XXXX to restore the XXXX miles. As a co-branded card issuer, Barclays has a responsibility to ensure the rewards assets linked to their credit portal are secured and reinstated in the event of a documented security breach.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, Chase Bank closed my account without providing any explanation for the closure. Since then, I have been unable to open a new personal or business account with Chase, and no reason has ever been given for either the original closure or the continued denial. Under the Fair Credit Reporting Act, I have the right to know if an adverse action was taken based on information in a consumer report, and I have not received any such notice or disclosure. I am a small business owner and this situation is directly harming my ability to operate, accept payments, and grow my business. I am unable to establish basic banking services as a result of Chases actions. I am also a victim of identity theft, which occurred in XXXX and was reported to law enforcement at the time. I have a police report documenting this. It is my belief that fraudulent activity linked to my stolen identity not my own conduct may be the underlying reason for the XXXX closure and the continued denial of new accounts. Chase has made no effort to investigate this possibility or allow me to present documentation. I am requesting that Chase ( 1 ) disclose the specific reason for the XXXX account closure and the ongoing denial of new accounts, ( 2 ) identify any consumer reporting agency ( such as XXXX or XXXX XXXX XXXX ) whose report was used in these decisions, and ( 3 ) review my case in light of my documented identity theft history before issuing a final determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
On XX/XX/year>, the account was open as of now the status is saying that the account is open, but I never opened this account. Theyre trying to charge me {$2000.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am submitting a complaint regarding excessive delay in processing my Public Service Loan Forgiveness ( PSLF ) buyback ( reconsideration ) request with my loan servicer, MOHELA. I submitted my PSLF buyback request in XX/XX/year>. At that time, my qualifying payment count was XXXX without buyback and XXXX with buyback, meaning I am eligible for loan forgiveness upon approval. As of today, my request has been pending for over XXXX year with no resolution, no clear processing timeline, and no meaningful status updates. I have contacted MOHELA and studentaid.gov but have not received clear information regarding whether my request has been assigned or reviewed. This delay is causing financial harm and uncertainty. I have delayed entering repayment and making major financial decisions because I reasonably expect my loans to be discharged upon completion of this process. I am concerned that this prolonged delay reflects a breakdown in processing or oversight and is preventing timely discharge despite meeting eligibility requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing Citibank 's failure to resolve a billing error regarding XXXX identical charges from XXXX XXXX on XX/XX/year>, each for {$1000.00}, totaling {$3000.00}. I have communicated extensively with Citibanks Executive Response Unit ( Ref : XXXX ), but they denied my claim, citing the merchant 's " non-refundable '' policy. This is a fundamental error in their investigation because this is a " Service Not Rendered '' case, not a simple refund request. I have provided clear, irrefutable evidence from the airline 's official website proving that the booking reference ( ULPAPS ) does not exist in their system. The airline has taken my money without providing a ticket or a flight record. Under the Fair Credit Billing Act ( FCBA ), the bank is required to correct billing errors when services are not delivered. Citibank is currently siding with the merchant despite physical proof that no service was provided. I am requesting a full reversal of the {$3000.00}.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint Unauthorized ATM Withdrawal and Inadequate Fraud Investigation by Wells Fargo Dear Sir/Madam, I am submitting a formal complaint against Wells Fargo for denying my claim for an unauthorized {$200.00} ATM withdrawal. On XX/XX/year>, multiple unauthorized transactions occurred on my account. Wells Fargo acknowledged and refunded several fraudulent online transactions that occurred during this same time period, confirming that my account had been compromised. However, they denied my claim for a {$200.00} ATM withdrawal in XXXX, California. I reside in XXXX XXXX XXXX, and at the time of the transaction, I was in XXXX XXXX. Travel to XXXX, California, would require approximately XXXX hours during peak traffic. I did not authorize, perform, or have any knowledge of this ATM withdrawal. Wells Fargo denied my claim based on the following reasons : -The card was in my possession -No PIN change occurred -The transaction was chip-verified -No evidence of card counterfeiting -The transaction occurred within a local/geographic area These justifications do not establish that I personally conducted the transaction. They merely describe general conditions of the account and do not constitute proof of authorization. Notably, the bank has failed to provide critical evidence, including : -ATM surveillance footage -Exact ATM location and terminal identification -Any photographic or identity verification tied to the transaction Given that Wells Fargo already confirmed fraudulent activity on my account during the same timeframe, it is inconsistent and unreasonable to isolate this ATM withdrawal as legitimate without clear supporting evidence. Additionally, Wells Fargo failed to notify me promptly of suspicious activity, which could have prevented further unauthorized use of my account. I am requesting the following : -A full reinvestigation of the denied claim -Provision of all evidence used to determine that the ATM withdrawal was authorized -Reimbursement of the {$200.00} unauthorized withdrawal -A review of XXXX XXXX fraud detection and notification procedures I believe that allowing this denial to stand would not only result in personal financial loss but also set a concerning precedent regarding consumer protection and accountability. I have attached documentation, including : -Wells Fargos denial letter -Records of the unauthorized transactions that were refunded -Account statements showing the pattern of fraudulent activity I respectfully request your assistance in reviewing this matter and ensuring an appropriate resolution. Thank you for your time and consideration. Respectfully, XXXX XXXX XXXX XXXX XXXX, California

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 2026-04-14 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I am reporting Chase Bank for a failure to investigate a documented case of Merchant Fraud and XXXX. Between XX/XX/year>, and XX/XX/year>, I made several purchases for virtual currency within the " XXXX XXXX '' game. On XX/XX/year>, forensic technical analysis of the game 's PC client revealed that the software contains an undisclosed, malicious XXXX. Technical Evidence : The software was represented as an entertainment product but functions as a malicious utility. Disassembly of the executable confirms that the merchant has embedded code ( XXXX ) that : Establishes an unauthorized connection to a mining pool via the XXXX XXXX ( sXXXX ). XXXX XXXX XXXX system worker threads ( XXXX XXXX XXXX ) to mine XXXX for the developers financial gain. Utilizes my high-end hardware resources without consent, causing unauthorized wear, thermal stress, and electricity costs. Timeline of Bank Interaction : Upon discovering this latent security defect on XX/XX/year>, I contacted Chase Bank to dispute the following transactions : XXXX XXXX, XXXX : {$290.00} XX/XX/year> : {$49.00} XX/XX/year> : {$290.00} XX/XX/year> : {$99.00} XX/XX/year> : {$4.00} XX/XX/year> : {$0.00} XX/XX/year> : {$99.00} XX/XX/year> : {$99.00} Basis for Complaint : Chase Bank representatives refused to initiate a dispute for any transactions incorrectly citing the Fair Credit Billing Act ( FCBA ) for billing errors. Furthermore, for all transactions, they refused to proceed because I " received the virtual currency, '' explicitly ignoring that the service delivery vehicle ( the software ) is a malicious vector. Under XXXX Network Rules ( specifically Reason Code 13.1 / 4853 : Services Not as Described ), cardholders are entitled to a 120-day dispute window from the Date of Discovery for latent defects. Chase is refusing to uphold these network regulations. By delivering malware represented as a game, the merchant has committed a fundamental breach of the contract of sale. Chases refusal to protect a consumer from documented cyber-fraud is a violation of their duty to investigate fraudulent merchant activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Subject : Private Student Loan Dispute Misrepresentation of Educational Program ( XXXXXXXX XXXX XXXX XXXX ) I am submitting a formal complaint regarding a private student loan taken for a XXXX XXXX program operated by XXXX ( formerly XXXX ), which rebranded during my enrollment to XXXX XXXX The program was administered through a university-affiliated billing channel associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which contributed to my understanding that the program was vetted, legitimate, and institutionally supported. The total loan amount was {$18000.00}, and I also paid an additional {$200.00} at enrollment, which I was initially told was a down payment. I was later told it was an enrollment course fee, and I was not provided a receipt or clear documentation for this charge. I enrolled based on representations that included : Certification exam vouchers included in the program Job placement and career support services Industry-recognized certifications intended to support employment outcomes College-affiliated learning opportunities through partner institutions After enrollment, the program did not deliver key promised services. Certification exam vouchers were not provided as represented. Instead, participants received internal micro-certifications, which were not industry-recognized credentials and consisted of basic XXXX certificates created by the program. No official transcripts or verifiable academic credit documentation were provided for any claimed college credit opportunities. Job placement and career support services were minimal and did not reflect what was advertised during enrollment. During my participation, the program also changed its name from XXXX to XXXX XXXX, raising concerns regarding continuity, accountability, and fulfillment of originally promised services. Based on these issues, I believe the loan was obtained under materially misleading representations regarding the nature, value, and outcomes of the educational program. I am requesting that the CFPB : Review this complaint and forward it to my loan servicer for formal investigation Require a response regarding potential misrepresentation or school misconduct Assist in identifying possible relief options based on these findings I am prepared to provide supporting documentation, including enrollment materials, payment records, loan agreements, and communications referencing the promised services. Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shellpoint Mortgage Servicing and its predecessor XXXX XXXX XXXX engaged in a years-long pattern of servicer misconduct that directly caused the wrongful foreclosure of our property at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. In XXXX XXXX XXXX XXXX refused to provide payoff amounts to an actively engaged refinancing lender preventing a full payoff of the loan. Servicers repeatedly failed to provide payoff amounts reinstatement figures loan ownership information complete payment histories loss mitigation status updates modification denial explanations servicing transfer notices and qualified written request responses as required under RESPA Regulation X. A trial modification was approved and completed in XXXX. Shellpoint then refused subsequent payments after initial trial payment and resumed foreclosure citing a title vesting issue despite the LLC borrower structure existing since loan origination. The loan was transferred from XXXX XXXX XXXX to NewRez Shellpoint during active loss mitigation in violation of dual tracking prohibitions. The loan is owned by XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee. We are requesting full investigation of all three entities and damages equal to lost equity of approximately {$830000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received numerous email notifications this morning that a checking account had been applied for with Wells Fargo by myself. The initial emails indicate that the application was repeatedly rejected. After a few dozen emails a notification came through indicating that an account had been successfully opened. A subsequent email notification invited me to follow a link to download and set up a WellFargo banking app. The web addresses and XXXX numbers all looked legitimate. I never once had ever applied for any account of any kind with this bank, and am deeply alarmed that my identity data was being fraudulently used by somebody. I have now spent a great deal of time in the middle of a work day contacting the XXXX XXXX credit reporting agencies to freeze credit applications without contacting me directly, and monitor identity fraud on my accounts, as well as reviewing my legitimate accounts and contacting my banks and brokerages. I did contact WellsFargo -- and after some effort on hold ( I don't have any account # on hand to easily access a human being on the phone ) -- I was able to open an internal identity fraud claim which I was told would be resolved within 30 days. The person I spoke with at WellsFargo confirmed that my name, personal home address, and social security number were used to successfully open a checking account however my phone number was not listed in their records. There has been no other suspicious activity on any other of my accounts, and online there's several news stories indicating that WellsFargo has a history of fraudulently opening up new accounts ( even paying settlements for this behavior ), so I suspect that they may still engage in this and it may have just happened to me.

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