vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
Complaint Against Remitly Missing {$4700.00} USD Transfer, False Delivery Claim, and Wrongful Account Suspension I am filing this complaint against Remitly for failing to deliver my funds, falsely marking a transfer as completed, and wrongfully suspending my account after I provided official bank verification. I sent XXXX transfers to my personal bank account in XXXX and XXXX, totaling {$4700.00} USD. Remitly marked both of these transfers as delivered. However, my receiving bank has officially confirmed that no funds were ever deposited into my account. There is no record of the transfer. Remitly requested that I provide my bank statements to prove the funds were not received. I complied and submitted my official bank statement from my bank, clearly showing that no such deposit was made. Instead of resolving the issue or locating the missing funds, Remitly suspended my account and implied fraudulent activity. This accusation is false, unjustified, and unacceptable. I provided legitimate documentation in good faith. My bank has confirmed that the funds were never received. Remitly has failed to provide verifiable proof of delivery, including : Receiving bank confirmation Trace number showing deposit completion Confirmation from the receiving bank that funds were credited At this point, Remitly is unable to prove delivery of my funds and has restricted my account while withholding access and resolution. This raises serious concerns regarding the handling, tracking, and safeguarding of consumer funds. I am requesting the following immediate resolution : Full investigation and trace of the {$4700.00} USD transfer Immediate refund of the full amount back to my original payment method if delivery can not be proven Written proof of where the funds were sent Immediate reinstatement of my account Written explanation for the wrongful suspension This situation has caused financial harm, emotional distress, and loss of trust. Remitly is responsible for ensuring funds are delivered or returned. Failure to do so may constitute improper handling of consumer financial transactions. Reference number XXXX {$2000.00} USD And Reference XXXX {$2700.00} USD I expect immediate resolution. Consumer Name : XXXX XXXX Country : United States

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My loan was sold from XXXX XXXX to rocket finance without my approval and interest rate increased. Can not get person on phone to assist in reason. Have them send or call with explination

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CITIBANK, N.A.
State: HI

Complaint narrative:
There is a discrepancy with how the merchant Best Buy is coded and categorized. The purchase ( category ) description appears to consumers as Merchandise - Electronics Stores. However, the Citi credit card system is treating Best Buy purchases as Home Improvement. Best Buy is NOT a Home Improvement store. Best Buy is a retail electronics store. This is an ongoing problem that needs to be fixed immediately because the purchase description and the Merchant Category Code do NOT align and this is misleading consumers. Due to this issue, my Best Buy purchases did NOT qualify for the Spend Driver Promotion which was a 10 % statement credit on retail purchases of XXXX XXXX ( maximum {$100.00} statement credit ).

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 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
After receiving news from my mortgage loan officer that Waypoint is still showing up on my credit report, I called to ask if they could report to all three credit bureaus that my debt was settled and paid in full. They told me they can not do that, but they can issue me a letter. I did not receive a letter in the timeframe they gave me, so I reached back out. After 3 days of calling and begging them to issue me a letter stating the previous comment, I finally got one. The letter I received stated that I still owed around {$55.00}. I then called back to ask why the letter stated I owed them money when they told me in 2023 ( 3 years ago ) that my account was settled and paid in full. The woman I spoke to was just as confused and confirmed that my account was, in fact, paid in full. She assured me they should not still be showing up on my credit report. Roughly 1 hour later, I received an email from a Waypoint employee providing me with a letter that stated my account was settled and paid in full. That was great, but the letter was missing the part where they would notify all 3 credit bureaus that the debt had been collected 3 years ago and is paid in full. I am currently on the phone with Waypoint on a 45-minute wait as they " try to figure out what they can do ''.

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 2026-03-02 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: NV

Complaint narrative:
I have been trying to get my loan forgiveness under PSLF since XXXX. I've been calling for years and just get bounced back and forth between Mohela and XXXX with XXXX help. Here 's a quick rundown : I have been a XXXX XXXX XXXX for 24 years in the same XXXX XXXX. My loans are over XXXX XXXX XXXX and I have way more than XXXX payments and should have been forgiven years ago. I'm missing a chunk of payments that need to be applied and then I will be forgiven. It's going on 4 years that I have been trying to get someone to help me with no luck. I have done everything possible to try to get Mohela to find and report my missing payment history to XXXX. XXXX tells me that someone at Mohela can reach out to them with my missing payment history and it could be any easy fix. I'm missing all of my payment history from XX/XX/XXXX to XX/XX/XXXX. I only need XXXX more added to reach pslf and I have wayyyyyy more than that. If they would report these missing payments to XXXX, my loans would be forgiven under PSLF. I filed a reconsideration request almost 2 years ago ( on XX/XX/XXXX ) and still haven't heard anything back. No one at Mohela is helpful at all, they don't answer the phone, and when you do sit on hold for hours to talk to someone they are not helpful. I applied for forgiveness originally in XXXX. How in the world is this not resolved by now? All of my loans are well over 20 years old and I've been a XXXX for 24 years at the same XXXX XXXX XXXX. I'm flabbergasted on why it is so difficult for Mohela to find and report my payment history to XXXX. It's their job and they are not doing it! Meanwhile they want to breathe down my neck for more money. This is the most frustrating experience I have ever had with any company in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am submitting this as a followup complaint because Chimes prior investigation into my unauthorized transactions was conducted using incomplete, inaccurate, and missing account data, which resulted in an incorrect outcome. The issues below show that the investigation did not meet Regulation E standards for a reasonable, goodfaith review. Unauthorized Transactions : On XX/XX/XXXX, I reported 15 unauthorized XXXX XXXX XXXX Add transactions totaling {$2200.00} across XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX confirmed that none of these deposits were ever received, meaning the funds left Chime but never arrived at XXXX. Chime refunded some of these transactions but denied five XXXX transactions totaling {$770.00}, even though they follow the same pattern as the refunded ones. Incorrect Dispute Filing : Chime entered my dispute as XXXX transactions instead of the XXXX I reported, inflating the claim amount to {$3400.00}. My verified total is {$2200.00}, but Chime did not correct the claim amount or the transaction list before completing the investigation. Missing and Hidden Transactions : During the fraud period, Chimes system failed to display multiple Card Payment from Secured Account transactions, including {$88.00}, {$130.00}, {$56.00}, and {$230.00}. These transactions do not appear in any of my statements, dispute documents, or Insights. However, Chimes XXXX assistant XXXX confirmed these transactions existed and were transferred from my secured account. When I stated there was no history of the transaction, XXXX escalated me because the system could not reconcile the missing ledger entry. This indicates a recordkeeping issue that directly affected the accuracy of the investigation. Missing Insights for XX/XX/XXXX : Chime repeatedly told me I had no settled transactions in XX/XX/XXXX. This is incorrect. My XXXX statement shows over 100 settled transactions, including XXXX XXXX debits, XXXX advances, repayments, and merchant purchases. The inability of Insights to read this data suggests ledger or datasync issues during the period of the unauthorized activity. Financial Harm Because my account was being drained by unauthorized transactions, I was forced into XXXX advances, XXXX fees, internal transfers, negative balances, and securedaccount sweeps. These losses were not considered in Chimes investigation. Below I will submit all proper evidence proving the statement to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a request through Cash App 's XXXX XXXX support to update my legal name on my account following a legal name change. I provided updated government-issued identification reflecting my new legal name using the secure upload method provided by Cash App. After receiving no confirmation or completion of the update, I followed up on XX/XX/year>, requesting a status update. At that time, Cash App support informed me they could not locate or view the identification documents I had previously submitted. On XX/XX/XXXX, XXXX I spoke with the Cash App representative by phone regarding the unresolved name change request. The representative stated that my case was transferred to the " Onshore US Support Department '' for further handling. I was not provided a timeframe for resolution and was advised only to monitor my email. As of the date of this complaint, my legal name has not been updated on my account. Cash App has not provided written confirmation that my identification documents are visible to their compliance team or properly attached to my case. No defined timeframe for completion has been provided. This matter has not been pending for approximately twelve months without resolution. I am requesting confirmation that my identification documents have been received and properly attached to my case, and prompt completion of the legal name update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In reference to Complaint ID XXXX, the fees and interest charged were never refunded back to me from the chargeback case. Only the fraudulent charges were returned.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EA Holdings Corp.
State: IL

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
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 debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Early Warning Services, LLC
State: WA

Complaint narrative:
On XX/XX/year>, two separate Zelle transactions were made on my business account. One for {$4000.00} and one for {$3000.00}. These were made by an unknown person and certainly without my consent or knowledge. I immediately contacted the fraud division at my bank and later that day the business account for formally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
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 debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Arcadia Holdings, LLC
State: MD

Complaint narrative:
XXXX XXXX called my managers personal cell phone at work several times. I never gave anyone that information. And they leave a voicemail with my full name. See below. We've been asked to reach out to you regarding a time sensitive matter that requires your attention. Please contact XXXX XXXX at XXXX to speak to your assigned representative. This call is in regards to a personal business matter within our office that requires your attention. Please contact XXXX XXXX at XXXX to speak to your assigned representative. It is important we speak to you regarding your account. This is the voice mail they leave.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My claim keep being denied cause their saying the atm didn't show an overage but if there was a hardware failure which it was the atm would not show an overage cause the money could have been place somewhere other than the main vault i have been filing back to back complaints and i have not received anything but the atms customer behavioral data and my bank statement from around XX/XX/XXXX. If this is all they did to check the atm this is not a proper investigation to deny my claim. There is no video viewing from the atm I dont need the footage its just not showing they viewed the footage cause they are saying the atm returned my money which is false the machine gave the command to return the bills but its hardware failed and its not my fault the machine was not serviced well. I would like for the company who fixed the atm to check the hardware they switched for my deposits. After this try im filing a small claim with XXXX XXXX to retrieve my funds im sure that will make them do a manual audit if the atm

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
There is an alleged debt on my credit report from Southwestern Credit Systems. I have reason to believe that I do not owe this debt and I am needing this issue resolved as this has been hurting my credit. I request the following details for this debt : 1. Documentation of responsibility 2. Full name and address of collector 3. Documentation of actually being licensed in XXXX 4. The amount fully explained Continuing to attempt to collect this debt before verifying this information is against the Fair Debt Collections Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a credit card account with Bank of America that shows a 30-day late payment for XX/XX/XXXX. My payment due date was the XXXX of every month. I was only 6 days late, and the delay was caused by an autopay misconfiguration, I had enrolled in automatic payments and Bank of America failed to process the payment correctly. At no point did Bank of America attempt to contact me, notify me by phone, email, or mail that a payment had not processed. Without any warning or notice, they immediately reported the late payment to the credit bureaus. As soon as I became aware of the issue, I paid the balance in full and corrected the autopay settings. Outside of this one isolated incident, I have maintained a perfect payment history on this account since it was opened in XX/XX/XXXX over XXXX years of on-time payments. I contacted Bank of America by phone on XX/XX/XXXX to request a one-time goodwill adjustment and was denied, with the representative citing standard reporting policy

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My fiance lost his job during the time period, we asked them to come get the vehicle because we could no longer pay on it at that time and it was having major issues within 6 months needing a new drive shaft and bushing mounts for the rear suspension and all around new brakes that we could not afford. The car became unusable. However they sold the car for about XXXX and i still owe XXXX for a car i dont even have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: AZ

Complaint narrative:
The bank denied my Regulation E claim for a {$2200.00} fraud-induced transfer on XXXX XXXX XXXX, relying on XXXX customer authorized coding. The investigation did not adequately consider fraud by deception and reversed provisional credit. I have requested supporting documentation and am awaiting it.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> an unauthorized transaction in bitcoin appeared on my account. After reaching out to the company to make them aware that my account was compromised and my cellular device was stolen and that I did not authorize a payment in bitcoin for {$1400.00} they did nothing to help me. I proceeded to ask for corporate information and they refused to give it to me.

Company response to consumer: Closed with explanation