vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AL

Complaint narrative:
On XXXX XXXX I sent money through Remitly in XXXX separate transactions, XXXX for {$600.00} and another for {$130.00}, to a recipients bank account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX Remitly marked both transfers as delivered on XX/XX/XXXX. However, the funds have not been received in the recipients bank account. Since XX/XX/XXXX, I have contacted Remitly multiple times to resolve this issue. Every time I call, I am told to wait another XXXX hours. They continue to give me the runaround and make promises that the issue will be resolved, but no actual solution has been provided. It has now been over a month, and the money is still not in the recipients account. Remitly informed me that they used a partner bank to complete the transfer, and they repeatedly claim that the partner bank has already delivered the funds. However, this directly contradicts the information from the recipients bank. The recipient has confirmed with their bank that no funds were received, and there is no record of any incoming transfer. I have proof that the money was never delivered. I obtained a bank statement from the recipients account showing that no deposit was made on XX/XX/year> the date Remitly claims the transfer was delivered. The statement also shows that no such deposit was received at any time during that entire month. This clearly shows that the funds were not delivered as claimed. I am disputing this as an error under the Remittance Transfer Rule. Since the funds were never received, I am requesting full refund.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
In approximately 2024 a credit card was fraudulently opened in my name I didnt realize it until I became aware of my personal information being exposed in transition data breach at which time I filed an ftc complaint and because I was being harassed I agreed to pay

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: Mortgage — VA 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was awarded the house we are currently living in after a divorce. Been trying to work with Wells Fargo since XXXX and for a while it seems like they were working with me and then the communication is always bad with the loan specialist assigned to me does not communicate well even after I requested to reassign a new one WF still did not. I have sent paperworks after paperworks for years and the process will take place and then it'll stop. I then have to start the whole process all over again and have done this more than 3 times. I have sent them ALL the paperwork they sent for me to sign and required and at the end something will happen and I have to do it all over again. Now it came to a point that they denied to grant me the option for loan modification to try to save my house. I personally feel that it was never their intention to help because why would they allow me to go through process and then nothing gets finalized. I have never spoke with the agent assigned to me more than twice and constantly have to talk to different representative, explaining the situation every time. I even asked why am I having to explain the same things over and over again to different people? Don't they have a note or record of what was talked about previously? Now I am facing foreclosure with the sale date on XX/XX/XXXX and absolutely don't know what to do. I have done everything Wells Fargo asked me and at the end I am facing to lose my house where me and my XXXX children resides. I have read many horror stories about Wells Fargo in regards to mortgage nightmares. I just want to be able to work something out to save my house. After going through divorce while racing XXXX XXXX, the last thing I want to happen is for us to lose our home. Now that Wells Fargo refuse to work something out for me to save our house, even after I tried everything they've required for me to do, I don't know what else to do. It is unfair to me that I wasted so many time and money hoping that this will get resolved. The stress, the XXXX and mental exhaustion it has given me through the past years and until now of trying to work something out to save our home.

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 — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Okay baby to your brother sister I have statements that do not match is close by account and open account 11 or less different times for my easy view I try to get help from XXXX XXXX but because Bank of America is he gave my money to think of America it was private I called the police I've got hundreds of documents to Bank of America and it just continues to happen broad I've ever seen it she's going on for please help I'm not I'm not in good physical health or mental health he's my last time time

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I paid off my debt with XXXX XXXX on XX/XX/XXXX of 2026. I was told it will take XXXX to XXXX hours to receive a letter showing that I've paid the balance and the account has a XXXX dollar balance. I have called numerous times to no success with receiving any proof that I have paid off the debt I am starting to feel like I have been scammed. I have called every single day to try to get this letter in a timely fashion, and I have not still to this day. Been able to receive that letter yet. I've already confirmed my email address several times. I was told that a supervisor would call me back. No XXXX ever called. I still have not received any letter in the mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent debt reporting by Aldous & Associates related to a XXXX XXXX account. On or around XX/XX/scrub>XXXX XXXX XXXX I received written communication from Aldous & Associates stating that the balance owed was {$590.00}. However, this amount is inconsistent with both the original creditor and what is currently being reported. XXXX XXXX previously adjusted the balance from approximately {$590.00} to {$400.00}. Additionally, I was informed that {$330.00} of the balance was waived. Despite this, Aldous & Associates is currently reporting a balance of approximately {$680.00} on my credit report. This results in multiple conflicting balances for the same account ( {$590.00}, {$400.00}, and {$680.00} ). The amount being reported by the collection agency is higher than both their own written statement and the adjusted balance from the original creditor. I attempted to resolve this issue directly with the original creditor, but the balance was never properly corrected before being sent to collections. I also requested validation and a breakdown of the balance from the collection agency, but no clear explanation or correction has been provided. This is inaccurate and misleading reporting and appears to be a violation of my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am requesting : Immediate investigation of this account Correction of the inaccurate balance or full removal of the account Written confirmation of the resolution I have attached documentation supporting these discrepancies, including written communication and proof of balance adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwicker & Associates, P.C. obtained a Writ of Garnishment on behalf of XXXX Bank ( XXXX XXXX case XXXX ) and froze my XXXX XXXX bank account on XX/XX/XXXX without providing any of the mandatory statutory notices required under Florida Statute 77.041. I am a Texas resident at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX mailed the required documents to XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, an address where I have not lived since XXXX. On XX/XX/XXXX, I sent Zwicker XXXX emails stating I had no notice and had relocated. Their attorney negotiated settlement terms but never mentioned my right to claim exemptions. The next day they filed a Certificate of Service claiming they mailed to the XXXX XXXX address. XXXX XXXX 's Answer confirmed my Texas address was on file. Zwicker is pursuing {$56000.00} when the court-filed settlement stipulation is {$33000.00} with {$27000.00} remaining. No motion to vacate the stipulation was filed. Zwicker 's Objection to my Claim of Exemption names the wrong plaintiff XXXX XXXX instead of XXXX XXXX. As a direct result of the account freeze, my federal student loan payments have defaulted. I made XXXX settlement offers. All were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a collection account being reported on my credit file. After reviewing my credit report, I have identified this account as inaccurate, incomplete, and/or unverifiable. Disputed Account Details : Collection Agency : NCB Management Services Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$950.00} Reported Default Date : XX/XX/year> I have reason to believe that this account is being reported inaccurately and does not meet the requirements of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of this account. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that is inaccurate or incomplete. Specifically, I request that you verify the following : The original signed contract or agreement bearing my signature Complete and accurate payment history The date of first delinquency ( DOFD ) Proof of assignment or legal ownership of the debt by NCB Management Services Verification that the reported balance is accurate and properly calculated The method of verification used If you are unable to provide complete and verifiable documentation for this account, you are required under the FCRA to delete it from my credit report immediately. Please note that reporting unverifiable or inaccurate information is a violation of federal law. If this matter is not resolved, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau and pursue all available remedies. Please complete your investigation within 30 days and provide me with : Written results of your investigation A copy of my updated credit report The name, address, and phone number of any entity you contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Subject : Escalation Complaint Failure to Provide Basis for Denial of School Misconduct Discharge & Potential Unfair Practices I am submitting this complaint as an escalation regarding MOHELAs handling of my private student loan discharge applications related to school misconduct involving XXXX XXXX XXXX XXXX. My federal student loans associated with this same school were fully discharged under the XXXX XXXX XXXX XXXX Borrower Defense to Repayment program, based on findings of misconduct by the institution. I provided documentation of this discharge to MOHELA as part of my applications. Despite this, MOHELA ( servicing a Navient-owned private loan ) has denied my School Misconduct Discharge application three separate times. MOHELA has stated that my application was denied based on a holistic review and that the reasoning is confidential and proprietary. However, they have refused to elaborate on what specific criteria I failed to meet or what evidence was insufficient. This lack of transparency prevents me from meaningfully responding, supplementing my application, or correcting any alleged deficiencies. Denying relief without providing actionable reasons may constitute an unfair or deceptive practice under consumer protection standards. The XXXX XXXX XXXX XXXX has already determined that my school engaged in misconduct sufficient to warrant full discharge of my federal loans. While I understand private loans are not automatically entitled to discharge under federal programs, MOHELA has failed to explain how this significant, government-issued finding was evaluated or why it was disregarded in their determination. This raises concerns that my application was not reviewed in good faith or with appropriate consideration of material evidence. MOHELA states that a variety of criteria are used but refuses to disclose them or indicate how they were applied to my case. Additionally, my denial letter references denial codes ( 4, 5, 6, 7 ) but does not provide a clear or meaningful explanation of what these codes represent or how they apply to my specific situation. After three applications, MOHELA has still not identified : What documentation is missing What evidence would be sufficient What specific element of my claim is deficient Instead, they instruct me to submit additional documentation without specifying what is needed. MOHELAs refusal to provide meaningful explanations, combined with repeated denials and lack of transparency, raises concerns about potential unfair, deceptive, or abusive acts or practices ( UDAAP ) in the handling of private student loan discharge requests related to known school misconduct. They are completely disregarding the fact the XXXX was found guilty of school misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This happened seven years ago and is still on my credit report they already repossessed the car seven years ago and they sold the car and they still trying to charge me the money after seven years it should on been removed and i disputed it a couple times because they already got there money back and still keep harassing me on my credit .. ( credit acceptancel ) is the company name.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
First National Bank of Omaha ( FNBO ) issued me XXXX XXXX XXXX XXXX XXXXhat always gives XXXX points for purchases considered TRAVEL. On XX/XX/year>, I made a purchase from XXXX for {$210.00} charging it on my FNBO card. FNBO did not give me the XXXX points, only XXXX. When I inquired FNBO customer representative XXXX stated that XXXX was listed by FNBO as a TRANSPORTATION ORGANIZATION, but was not considered to be TRAVEL. This makes no sense at all. Furthermore, XXXX is a business organization that exclusively deals with travel, such as auto/driver membership, mass transit tickets, hotel reservations, auto rentals, boat cruises, etc. In this case, TRANSPORTATION should = TRAVEL.

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: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The Capital One Auto Finance banks representative authorized a surrender location, then failed to recover the vehicle for 60 days, and is now hanging up on the consumer instead of resolving the missing collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OK

Complaint narrative:
they loan they claim i owe for XXXX im not sure know where that loan came from i paid the loan i owe and it said that loan was open in 2021 but i know that not true and looking at all three of my credit bureau accounts shows that the information is not right .i want this deleted off my credit

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 was result of identity theft
Company: TrueAccord Corp.
State: TX

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 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: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has already investigated this account through a CFPB complaint and issued monetary relief, confirming there were errors or inconsistencies. However, the account continues to be reported inaccurately on my credit report. I am requesting a full reinvestigation and correction or deletion under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I requested the original purchase agreement bearing the signatures of all parties involved. They subsequently agreed to remove it from my credit report. However, it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Smyrna Finance LLC
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 non-monetary relief