vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I have made several calls to Dollar Bank regarding the issue of them not applying my overpayments to the principle of the loan. I started local and they kept pushing me off to a different department. I finally ended up where I thought they were going to take care of my account and I was assured it would be taken care of and I would receive a follow up when it was completed. That never happened so I called again and spoke to the same person who apologized and said they were very busy and were working on it. I waited weeks and still no communication back. I called again and spoke to another person who said she would escalate it and she was very sorry. Again nothing. I called one more time only for this person she had no record of my previous calls and I should go to my local branch manager. This is unacceptable. I have paid thousands of dollars in extra payments and I want them to go back and adjust my loan accordingly. I have asked them since the beginning to apply all extra payments to the principle and time and time again I was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC
State: MA

Complaint narrative:
On XX/XX/year> at XXXX, I received an unsolicited phone call from XXXX XXXX XXXX XXXX XXXX ) using an autodialer ( automated telephone dialing system ). During the call, I clearly and explicitly informed the representative that I was revoking any prior consent to be contacted and demanded that they cease all further contact immediately. I advised the company that continued contact would be in violation of the Telephone Consumer Protection Act ( TCPA ) and/or the Fair Debt Collection Practices Act ( FDCPA ), and that I would pursue legal action if they did not comply with my cease-and-desist request. As of this filing, I am formally documenting this incident and requesting the CFPB investigate XXXX XXXX XXXX ' use of autodialers and their compliance with consumer stop-contact requests.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I sold the house, mortgage satisfied. The company sent me an escrow refund in the amount of {$2100.00} ( check XXXX ). I deposited this check into my account and it was returned. My bank said its because the endorsement on the check issuer is invalid. I called LoanCare on XX/XX/XXXX and they told me they dont know what is wrong but would send me a check overnight mail. Its now XXXX and i did not receive a replacement check. I called this morning and they told me it may take XXXX business days to review and then i should receive a call. She would not tell me who this case was assigned to and i just have to wait. The woman was rude, and wouldnt give me any more information. This is not {$10.00}. Its {$2100.00}. Its money that is owed to me and having a financial institution issue a bad check is very alarming. Its XXXX, they should have the ability to ACH the funds right to my account. Thy had no problem taking the money every month!!!

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 2026-03-03 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: NJ

Complaint narrative:
Subject : Formal Complaint Unresolved Unauthorized Debit Transactions Account Ending : XXXX Claim Number : XXXX Dear Claims Department, I am writing to formally dispute the resolution of my fraud claim referenced above concerning unauthorized debit transactions on my checking account ending in XXXX. On XX/XX/year>, while at work, I received an SMS alert from Wells Fargo asking whether I authorized a declined debit transaction on my account. I immediately responded NO to indicate that I did not authorize the transaction. I then logged into my online banking account and discovered XXXX separate unauthorized debit transactions in the amounts of {$1700.00} and {$1600.00}. I promptly contacted Wells Fargo to report the fraudulent activity and formally disputed the transactions. After your initial review, I was issued a temporary credit while the investigation was ongoing. However, several weeks later, I received correspondence stating that my claim was denied and that the temporary credit would be reversed. I strongly disagree with this decision. I did not authorize, initiate, participate in, or benefit from these transactions in any way. I took immediate action upon receiving the alert, which demonstrates my diligence and good faith. I respectfully request the following : XXXX. A detailed written explanation of the evidence used to deny my claim. XXXX. Copies of any documentation, transaction records, IP logs, signature verification, or other proof relied upon in your investigation. XXXX. A reconsideration and reopening of this claim based on the facts presented. I have been a responsible account holder and expect a fair and thorough review of this matter in accordance with federal banking regulations governing unauthorized electronic fund transfers. Please treat this as a formal appeal of the claim decision. I look forward to your prompt response and resolution of this matter.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Urgent Complaint Wells Fargo Refusing to Release XXXX XXXX After Creditor Authorization I am filing this complaint against Wells Fargo Bank regarding its failure to release a bank levy on my account after receiving authorization from the levying creditor to lift the levy. The creditor has confirmed that the levy release has been issued and provided to Wells Fargo. I have been informed that Wells Fargo has received the release documentation. Despite this confirmation, Wells Fargo continues to maintain a hold on my account and restrict access to my funds. When I contact Wells Fargo for clarification, I am either unable to get meaningful assistance or am told that a third-party legal team is reviewing the matter. This response is concerning, as the levy release has already been issued and acknowledged as received. No written explanation, legal justification, or timeline for release has been provided. As a result of Wells Fargos continued hold : I am unable to access my funds. I am experiencing severe financial hardship. I am unable to pay essential living expenses and bills. My financial stability is being negatively impacted through no fault of my own. A bank levy should be released promptly upon receipt of a valid creditor release. The continued restriction of my account after confirmation of release appears to be an unreasonable delay and improper handling of my funds. I am requesting the following : 1.Immediate removal of the levy hold from my account. 2.Written confirmation that the levy has been released. 3.A written explanation for the delay in releasing the hold after receiving creditor authorization. 4.Confirmation of Wells Fargos internal policy regarding timelines for processing levy releases. This matter is urgent due to the financial harm it is causing. I respectfully request CFPB assistance in ensuring Wells Fargo resolves this issue without further delay. Sincerely, XXXX XXXX XXXX XXXX Digits of account # XXXX Cell # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> XXXX card was charged {$45.00} XXXX times, totaling {$220.00} within one minute. I contacted them as soon as it happened to let them know I did not authorize those transactions. The claim was denied. I also contacted the company to get a refund but was also unsuccessful. The company claimed they saw the charges after they happened but then XXXX months later they did not see them on their end. I contacted NFCU again and was told the wrong claim reason was chosen an it had to be changed from dispute to fraud. The temporary credit was reversed and now the account is overdrawn. The last response received from NFCU fraud department was that they could reopen the denial. I stated to them it was not to reopen the denial, but instead to correct the claim to fraud. The company told me to work with my bank because they don't see the charges on their stripe account so they are unable to refund me. It seems as if NFCU is having a hard time processing disputes and fraud claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I was granted a provisional credit of {$160.00} to my Coinbase account related to a transaction or issue I had with Coinbase. I was explicitly told that this credit would be reflected in my account within XXXX business days. However, despite waiting well beyond that timeframe, the funds have not appeared in my account. I contacted Coinbase multiple times, and each time I was assured that the issue was being reviewed and that the credit was likely pending or delayed due to internal processing. I was repeatedly told to wait for updates, with no specific timeline provided. I followed all instructions, checked my Coinbase account, wallet, and email regularly, but the funds have not been credited. This delay has caused me severe hardship, including becoming homeless because I can not pay my rent or secure shelter. Despite multiple assurances and acknowledgments from Coinbase support that the credit should have been reflected by now, nothing has been done to resolve the issue. On XX/XX/year>, I was told to wait another XXXX business days, and on XX/XX/year>, I was told to wait for an update with no timeline. As of today, XX/XX/year>, the funds still have not been credited, and I have received no definitive action or resolution from Coinbase. This situation is unacceptable, and XXXX continued failure to credit my account despite clear promises and acknowledgment of the issue constitutes a breach of trust and service. The ongoing delay is causing me significant financial and personal harm. I demand that Coinbase immediately credits the {$160.00} to my account today, provides written confirmation of the transaction, and offers a guarantee of no further delays. If this is not done immediately, I will escalate this matter to regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ), and pursue legal remedies for the damages caused by Coinbases neglect. This is a serious matter, and I expect urgent action and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am formally disputing the late payment history being reported by XXXX on my credit file. This account has been paid in full and is closed. Despite this, XXXX continues to report late payments that are inaccurate and unverifiable. Under 15 U.S.C. 1666b, payments must be properly credited as of the date received. Additionally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ), furnishers of information are required to report only accurate and verifiable information and must ensure maximum possible accuracy. Because this account is paid and closed, any inaccurate late payment reporting is misleading and damaging to my credit profile. I am requesting the following : A complete payment history from account inception to closure. Documentation showing how any alleged late payment was calculated. Immediate correction or deletion of all inaccurate late payment entries being reported to all credit reporting agencies. If XXXX can not provide competent documentation validating these late payments, I am requesting immediate deletion of the negative reporting from my credit file. Please complete your investigation within the timeframe required by the FCRA. Failure to correct these inaccuracies will leave me no choice but to escalate this matter through a formal complaint with the Consumer Financial Protection Bureau and other appropriate regulatory authorities. on multiple accounts with account numbers account number : XXXX account number : XXXX account number : XXXX account number : XXXX account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I have tried to dispute all unauthorized transaction with these people, and they will only side with XXXX XXXX that has been sued for doing these things before. It will not stop and this place called sofi refuses to return my money as they only want to lie and say they found no error when I took no part in anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Failure to Remove Deleted Collection Company : TransUnion Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against TransUnion for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. The Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency XXXX XXXX XXXX XXXX responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. Specific Account Detail : The account in question is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. Bureau Discrepancy : Both XXXX and XXXX have already complied with the deletion request and removed this tradeline. TransUnion Violation : As of my TransUnion credit report dated XX/XX/year>, this account is still appearing as " Collection / Charge-Off '' with the full {$1000.00} balance ( Ref : Page XXXX of my TransUnion file ). By continuing to report a collection that the furnisher has officially withdrawn and deleted elsewhere, TransUnion is in violation of the FCRA requirement to maintain " maximum possible accuracy. '' Resolution Requested : I demand the immediate and permanent deletion of the XXXX XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from my TransUnion credit report to match the records of the furnisher and the other major credit bureaus.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debt in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am submitting a complaint regarding an unauthorized debit card transaction on my Chime account. Timeline of Events : On XX/XX/year>, I noticed an unauthorized transaction on my Chime account and immediately called Chime to report it. The agent informed me the transaction was pending and advised me to wait until it posted to file a dispute. During this waiting period, Chime issued me a new debit card. The following day, I filed a formal dispute for the transaction. I later called again and was told I would receive provisional credit, but I subsequently received a denial via email. Transaction Details : Type : In-store chip transaction Amount : {$2000.00} I did not authorize this transaction. I did not give my card to anyone and did not provide my PIN. I was not present at the merchant location. I reported the card lost immediately upon discovery. Chime recognized potential fraud by issuing a new card during the investigation. The denial by Chime fails to provide sufficient evidence of authorization. Under Regulation XXXX, my liability for unauthorized transactions is limited when reported promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/year>, I reached out to Huntington bank regarding a charge that was pending, I spoke with XXXX XXXX, who informed me to wait until the charge has posted to do anything and in the mean time contact the merchant to see if I can handle the issue on my own. I asked her if cancelling my card would stop the charge and she said no, so I said I don't want my card canceled. The next day I tried to use my card and it was declined. I reached out to Huntington and spoke with XXXX WHO IGNORED ME FOR OVER XXXX MINUTES! So I spoke with XXXX who told me that my card was canceled and that there was no replacement card ordered. So XXXX canceled my card without my permission and then didn't even order me a new one to replace the one she canceled! I asked XXXX to file a complaint on my behalf for XXXX XXXX cancelling my card and for XXXX for being a rude employee in need of additional training. I reached out on XX/XX/year> to inquire about the complaint and spoke with XXXX XXXX who told me that the complaint had been closed with no explanation. She offered to open a new complaint for me and I agreed. I am unset because because of XXXX XXXX, I have been getting emails from companies saying that my payment was declined and it is all because she was so quick to cancel my card without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX, received a check from my boss on XX/XX/XXXX and deposited it online. My boss has an account at BofA, and I deposited the check into my XXXX XXXX online deposit account. My check was stolen days later, and someone deposited the physical check into another account ( the check was in my name and signed by me ), and even so, the person managed to deposit the check. The value of the check, which had already been deposited into my account, was withdrawn ( I have been in the red XXXX since XX/XX/XXXX, when this happened ). XXXX XXXX can't do anything because my boss 's account is with BofA, and the check was deposited into a BofA account ( by someone who doesn't have the same name as me ). When we contacted BofA ( my boss and I ), they said it takes around 90 days to resolve this problem! Today marks exactly one month since my account went into overdraft, a situation that is clearly fraudulent and where Bank of America is unable to resolve something simpler than it seems, causing me harm!

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
My Gemini account has been under a security freeze since XX/XX/year> ( Ticket ID : XXXX & XXXX ) Gemini initiated the freeze and requested identity and security verification, which I completed promptly. I have responded to all support communications and complied with every requested step. Despite multiple follow-ups over several weeks, Gemini Trust Company , LLC has stopped responding and has not provided a timeline or resolution. My account remains inaccessible and I am unable to access my funds. I am requesting regulatory assistance to : XXXX. Restore access to my account, or XXXX. Provide a clear written explanation for the continued restriction and steps required for resolution. The prolonged freeze and lack of communication have caused financial harm and uncertainty.

Company response to consumer: Closed with explanation