vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I was contacted via email by XXXX XXXX to XXXX a family reunion in XXXX on XX/XX/XXXX. He sent me a cashiers check, but it was mistakingly written all for me when it shouldve been split between me and the event planner, and I was promised additional money to XXXX the event planner his due, which I did. Although the check was processed, come Friday, it was reversed. I called XXXX, the supposed issuer of the bank, and they do not have the check on file. I called my bank, and they said there were insufficient funds and there was a chance the check was fraudulent. This has been detrimental to my well being, as my rent payment was due the same Friday the check ( which took 90 % of my earnings ) was reversed. I should note that even on the date of the supposed event, I have yet to receive an address. He initially promised last weekend, but on that Saturday, he said he would give the information this weekend. Still nothing. I notified him that I will not do the show unless he paid me back and that I will get police involved if he doesnt pay me back by Monday. His response after an entire Saturday of ignoring my messages and calls : no problem. I have police investigating this issue further, as it has become increasingly clear that I have been the victim of a checking scam. But they said it could be anyone and these type of scams are common. Its being investigated by XXXX XXXX Police Department and the report will be written up Tuesday. The case number is 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 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I purchased a Western Union Money Order to make a payment, but I did not use it. Instead, I completed it with my own name, properly endorsed it, and deposited it into my bank account on XX/XX/year>. However, Western Union failed to honor and pay the money order. I have attempted to resolve this issue by contacting Western Union through phone, email, and chat. I have not received a proper resolution. Instead, their agents repeatedly instruct me to request a refund that includes a fee of approximately 10 %, which I refuse to accept. This situation is not due to my error, and I should not be charged any fee for Western Unions failure to process a valid money order. Additionally, I received by email a copy of another customers money order, which raises serious concerns about Western Unions handling of sensitive financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dispute of Unfair Account Closure Long-term Customer Victim of Automated De-risking Description : I am writing to express my deep distress regarding the closure of my accounts at Citibank. I have been a loyal and grateful customer for years ; Citi was the only bank that supported my growth, and I always maintained a perfect relationship, including a XXXX credit score and timely payments on all my credit lines. My accounts were abruptly closed because I sent a legitimate business payment to a registered company in XXXX for my LLC ( XXXX XXXX XXXX ). Despite my years of impeccable history, Citibank treated this single, legal business transaction as a red flag without ever requesting invoices, contracts, or proof of the business relationship. The Impact : By closing my accounts and credit cards without a human review, Citi has stripped me of my financial tools and labeled me as a risk. This has caused me immense emotional and economic pain, as I am now unable to operate my business or access the credit I worked so hard to build. I feel betrayed by an institution I trusted. Desired Resolution : A manual review of my XXXX-related business transactions by a compliance officer. Removal of any negative " risk '' or " fraud '' reporting to XXXX, XXXX, or XXXX. Reinstatement of my accounts or, at minimum, a formal letter clarifying that my accounts were not closed for illegal activity, to clear my name in the banking system.

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 2026-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a Vanilla Gift Card as a gift, but when I attempted to use it, the card showed a {$0.00} balance and an 'activation error ' message. I contacted XXXX Customer Support to resolve the issue. The agent confirmed that the funds did not load properly due to an activation failure at the retailer. However, the company refused to open a formal investigation or provide a case number because I do not have the original purchase receipt. As this was a gift, I do not have access to the receipt, and the company is refusing to use the cards serial number to trace the transaction or fix the error. I am seeking a replacement card or a refund of the intended gift amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened a checking with citizens bank and received a wire of XXXX $ which my father to buy a car, I went to withdraw cash and somehow they couldnt give me my money in cash, I went the next day to another branch and the teller gave it to me right away, I had XXXX $ left after the withdrawal, they then closed my account, said they will send me a check and its been more than a month now no clear answers? I want answers, because on top of that they said they are sending a check in the amount of XXXX $ where is the other XXXX $ somehow they cant even tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I have 2 federal violations involving Exeter Finance and XXXX XXXX XXXX XXXX. EXETER FINANCE LLC Loan # __________ XXXX XXXX XXXX XXXX. XX/XX/XXXX : Exeter emailed an adverse action notice denying my application. Link to denial reasons at estreamone.com expired. I never received specific reasons by mail. Violates ECOA 15 U.S.C. 1691 ( d ) and Reg B 1002.9. {$10000.00} statutory violation. 2. XX/XX/XXXX : Exeter funded loan under XXXX XXXX, bait and switch after Exeter declined my initial application for refi knowing I had poor credit + highly corporative with high interest and unfair pricing as a norm seeking desperate measures for relief from $ XXXX and XXXX to XXXX XXXX for a vehicle that appraises for less than $ XXXX. Contract states APR 23.94 %, Finance Charge {$14000.00}, Total of Payments {$30000.00}. 3. XX/XX/XXXX : Exeters customer portal displays APR ( % ) XXXX for same account. After 10 payments of {$420.00} = {$4200.00}, balance is {$15000.00}. At 0 % APR, balance would be {$12000.00}. At 23.94 %, balance should be ~ {$15000.00}. The {$3500.00} discrepancy proves 23.94 % is charged while 0 % is displayed. Violates TILA 15 U.S.C. 1638 ( a ) ( 4 ). Statutory damages = 2x finance charge = {$28000.00} per 15 U.S.C. 1640 ( a ). XXXX XXXX XXXX XXXX XXXX loan ending XXXX + XXXX loan # XXXX 1. Paid off XXXX loan XX/XX/XXXX : {$51000.00} total paid, {$0.00} balance. XXXX XXXX deleted entire tradeline instead of reporting Paid/Closed and erased the account history from my personal customer account. Violates FCRA 15 U.S.C. 1681s-2. 2. XXXX XXXX reported both loans under XXXX XXXX XXXX not my legal name XXXX XXXX XXXX, creating split credit files. Violates FCRA 1681e ( b ) maximum accuracy. 3. XXXX XXXX failure to report XXXX payments suppressed my credit, forcing me into Exeters 23.94 % refi. Actual damages {$5000.00} {$9000.00} in excess interest. Relief requested : 1. Exeter : Provide XX/XX/XXXX adverse action notice details and reimbursement for emotional abuse, correct portal APR to 23.94 %, cancel remaining {$15000.00} balance, pay {$38000.00} statutory damages. 2. XXXX XXXX : Restore XXXX tradeline with full history, correct name on all accounts, pay $ XXXX FCRA damages, and reimbursement for medical abuse and trauma inflicted from lack of accurate credit score during the lifetime of the loan. 3. Investigate both for UDAP. I have contract, screenshots, and payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: KS

Complaint narrative:
I am filing a complaint against Beyond Finance regarding unauthorized withdrawals and failure to refund funds remaining in my dedicated program account after successful completion of their debt settlement program. I completed ( XXXX from ) the Beyond Finance program in XX/XX/year>. At that time, all enrolled creditors had been successfully settled and paid in full. The final settlement payments issued in XXXX totaled {$3200.00}. After these final payments were made, a remaining balance of {$1000.00} was left in my dedicated account. This balance represents my funds and should have been refunded to me promptly following program completion. However, as of today : * I have not received the {$1000.00} refund * Beyond Finance continues to attempt to withdraw additional funds from my account despite my program being completed Since all debts have been settled, any performance-based fees should already have been earned and collected. There is no valid authorization or justification for continued withdrawals or for withholding my remaining account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
The company name is Oxygen XL amount reported is {$3200.00}. I only learned of this on my credit report. I dont know of this company. This account was XXXX to be opened or reported XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: Selene Holdings LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Selene XXXX XXXX continued failure to comply with federal mortgage servicing laws. Selene XXXX recently sent correspondence dated XX/XX/2026, identifying itself as a debt collector and assigning a single point of contact while attempting to position my account for loss mitigation. However, this communication ignores multiple unresolved disputes previously submitted. I have asserted : Billing error disputes under 12 C.F.R. 1026.13 ( TILA ) Notices of Error and Requests for Information under 12 C.F.R. 1024.35 and 1024.36 ( RESPA ) Disputes regarding the identity of the true creditor and party entitled to enforce the note Concerns regarding chain of title and servicing authority Despite these unresolved issues, Selene XXXX continues to treat the account as valid and subject to collection activity. This conduct violates : RESPA requirements to investigate and respond to Notices of Error and Qualified Written Requests TILA restrictions on collection activity during pending billing error disputes FDCPA requirements for debt validation after identifying itself as a debt collector Additionally, Selene XXXX has failed to provide : Complete payment history Documentation establishing servicing authority Proof of ownership or chain of title Proper validation of the alleged debt Instead, the company is attempting to steer the account into loss mitigation, which is inappropriate while disputes remain unresolved. I am requesting that Selene XXXX : 1. Conduct a full investigation of all disputes 2. Provide complete documentation supporting the debt and servicing authority 3. Confirm that the account is properly marked as disputed 4. Cease all collection and loss mitigation efforts until compliance is achieved This complaint is being submitted to ensure regulatory oversight and to preserve my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I made two transactions through XXXX to XXXX XXXX totaling {$24.00} and {$18.00}. Both orders were not received. I filed disputes for both transactions under XXXX XXXX XXXX program. XXXX requested supporting documentation, which I submitted within the required timeframe ( XX/XX/year> and XX/XX/year> ). Despite this, XXXX denied both disputes, stating that no documentation was received. This is incorrect. Evidence from XXXX own system shows that supporting documents were submitted on the same day they were requested. Additionally, XXXX XXXX records show that at least one order was delivered to an address that does not match my address. The merchant also acknowledged issues with the orders but refused to issue refunds, citing internal policies such as maximum appeasements limit and refund ineligibility. XXXX did not address this contradictory evidence and instead denied the disputes based on an inaccurate procedural claim. My appeals were also denied using the same reasoning, without explanation of how my submitted evidence was evaluated. This indicates a failure to properly review submitted documentation and a breakdown in the dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my debit card and by the time I noticed, there was 3 unauthorized charges made. I called the bank to dispute and was sent a new card and opened a dispute. The bank closed my case and said that I made the charges. The physical card was used by someone else and I did not go to the businesses where they were used. I explained this to Wells Fargo and they still didnt refund 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 explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
On XXXX XXXX a email was sent to Halstead financial services stating that I wanted to settle my debt and could pay {$300.00} to do so. A email response was received back from Halstead stating that my offer had been accepted. Halstead never changed the payment owed amount after several emails exchanges.on XXXX XXXX I called hallstead and spoke to several customer agents and a supervisor none wanted to honor the email. I was told I'd get a call back on Monday XX/XX/XXXX never received a call back. Instead Halstead wants to offer a payment of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made an application to XXXX XXXX department store in early XX/XX/year>. XXXX uses Comenity Bank for it's credit card. In the application, I also designated my granddaughter, who lives with me, to be a sub account holder on my card. We provided all information requested for the application. We received ( separately ) a form letter, dated XX/XX/year> from Comenity Bank stating the following : " Unable to verify your address with the credit reporting agency. '' I called Comenity Bank to indicate that the letter I received was mailed to the same address I gave as my home address and could not understand when I gave ample proof, through my drivers license, etc, that my home address was legitimate. When I called Comenity Bank to complain, they could care less. They told me that was the information they received from XXXX, and that I could reapply within two months. I called XXXX to discuss this matter with them on XX/XX/year>. XXXX verbally verified that my address as given to XXXXComenity was correct, and that because Comenity misused the credit reporting agency, I should first attempt to speak to them again, and that if it was not resolved, to speak to the FDC or my local police department. I again called Comenity, who could care less. I told them I had a concern about their misuse of credit agency verification of my address, and my concern for other applications requiring a credit report. Comenity bank told me not to worry because it would only be a " soft hit '' on my credit report. I called XXXX today, XX/XX/year>, and they verified my verbal report made to them on XX/XX/XXXX. I asked XXXX why they were not intervening since a bank was misusing and lying about information reported to them concerning my address. The answer from XXXX, was that they went silent, and hung up on my call after I finish speaking. Therefore, my only resort was to utilize the CFPB report. Thank you for any assistance in this matter. My concern is not about getting the credit card, but that a bank would lie about a credit reporting agency 's confirmation of an address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX, I received voicemails from One Advantage LLC regarding an alleged debt. The voicemails did not include sufficient information to identify the debt, did not clearly disclose the nature of the communication, and did not provide proper debt collection disclosures. Due to the lack of information, I was unable to verify the legitimacy of the alleged debt. As a result, I sent a formal written request for debt validation and a cease-and-desist letter requesting that all communication stop until proper validation was provided. I specifically requested the original creditor, account details, itemization of the amount claimed, and documentation showing I am legally responsible for the debt. This correspondence was sent via certified mail ; however, it was returned due to an expired or invalid forwarding address, leaving me with no reliable way to contact the company. The company has failed to provide the requested validation and has engaged in communication that lacks the required disclosures, preventing me from verifying the debt. This has caused confusion and concern regarding the legitimacy of the claim. Any continued attempts to contact me without providing proper validation would be in violation of federal debt collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation