vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Remitly for Missing Funds and Failure to Resolve Transaction To Whom It May Concern, My name is XXXX XXXX, and I am submitting this formal complaint regarding a money transfer transaction processed through Remitly that remains unresolved despite multiple attempts to obtain assistance. Transaction Details : Sender Name : XXXX XXXX Email Associated with Account : XXXX Date of Transfer : XX/XX/year> Amount Sent : {$570.00} USD Recipient Name : XXXX XXXX XXXX Destination Country : XXXX XXXX XXXX Number : XXXX Issue Summary : On XX/XX/year>, I sent {$570.00} USD through Remitly to the recipient listed above. The intended recipient never received the funds from my transaction. On that same date, the recipient received a different transfer from another sender for the exact same amount. Since then, Remitly has repeatedly claimed that my transaction was completed based solely on their internal investigation. However, the recipient confirms that my specific transfer was never received. I have contacted Remitly multiple times and provided all documentation they requested. Despite this, they are now demanding that I obtain banking documentation or proof from the unrelated sender whose transfer was received. This request is unreasonable and impossible for me to fulfill because I do not have access to another persons banking records or private financial information. I have already provided Remitly with the reference number and all transaction details available to me. Instead of properly investigating the discrepancy, they continue refusing assistance unless I provide documents that are outside my control. Requested Resolution : I respectfully request that the CFPB investigate this matter and require Remitly to : Conduct a proper investigation into the missing transfer. Provide verifiable proof that my specific transaction was received by the intended recipient. Refund the full amount of {$570.00} USD if they can not prove successful delivery of the funds. I believe Remitly has failed to adequately investigate this issue and has unfairly shifted the burden onto me to obtain private information from third parties. Thank you for your time and assistance regarding this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This agency kept adding false information like date, addresses, and name to all credit reports that is halting my credit. I cant get a loan or buy anything because of frequent reporting on my credit. The last time I reported this same debtor to CFPB, they removed and added it again few weeks later. The credit date is totally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
I applied for a mortgage modification. The modification was approved in XXXX. I accepted the Modification on or about XX/XX/year>. That agreement states that all future legal proceedings will stop. Sometime after the modification agreement the foreclosure department set a sale date in XX/XX/year>. When I called planet to have this corrected I was told there were additional requirements that were not disclosed in the modification. I believe they are in violation of many laws. They are in breach of contract for the loan modification. They can not legally add modifications to a written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit & Collection Corporation
State: AZ

Complaint narrative:
I recived multiple calls, text mesaages from this company called Global, I called them finally to see what it was about. Lady was rued and threatned me multiple times. Also saying sheriff would come if i did not pay. I asked repededly what the debt was for all she said was Global I said im not paying for something that was not mine. She hung up. After several more texts and calls to my phone. I called back again. I asked why it was not ever on my credit report, That i had filed bankruptcy and if it was on my credit report it would have been filed if it was mine and it was not. I asked again who the debt was for all she told me was the debt was from XXXX, with a last payment made in XXXX, but still refused to tell me who it was for and what it was for. Again i said if it was from XXXX and on my credit report it would have been included in my bankruptcy, and if it was even my debt. I have no knowledge of this debt have recived no letters, no email, nothing but repeted texts and repeated phone calls being harrased.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received : XX/XX/year> XXXX XXXX Expires : XX/XX/year> XXXX XXXX From : XXXX To : XXXX XXXX : Subject : We received your concerns Attachments : XXXX XXXX, XXXX XXXX Images in this message have been disabled. This message was sent securely using XXXX Wells Fargo case number : XXXX Dear XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. XXXX inquiry The documents you provided are related to your employers XXXX ( k ) plan, which is managed by XXXX XXXX XXXX. Since XXXX issued the check, we recommend continuing to work directly with them and filing a missing check claim if you havent already done so. Because this situation may involve potential financial fraud, you may also want to contact your local law enforcement to see what options are available for recovery or further investigation. Wells Fargo will fully cooperate with law enforcement if they become involved. While we realize the information provided may not alleviate your frustrations, we hope this letter helps to clarify our actions about this matter. We strive to provide exceptional service and were sorry we didnt meet that expectation in this instance. Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, ext. XXXX, Monday through Friday from XXXXXXXX XXXX to XXXXXXXX XXXX Eastern Time. We accept telecommunications relay service calls from individuals with hearing or speech disabilities. This includes calls facilitated by a trusted third party, such as a family member, so long as the customer is present and actively participating in the entire communication. If there is an attachment to this email and you can not read it, please contact us. Sincerely, XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX - And I responded that this is causing a hardship of loosing my place of residence for stealing my funds. I cant afford this when I am responsible for caring for an elderly person in my care who lives with me. I need MY stolen XXXX funds Immediately, Also I stated : I will appeal the banks decision which will be forwarded also to the Office of The Comptroller of Currency for fraud on behalf of Wells Fargo Bank in its wilful and intentional actions and attempts of dispensing my XXXX XXXX funds to a fraudulent individual without proper identification I have obtained new evidence against Wells Fargo Bank : See attached

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX been paid and closed longer than XXXX years. And is still affecting my report. It needs to be removed. Being its paid closed and beyond XXXX years. Citi bank card was opened without my knowledge. Im trying to build credit not ruin it. Said it many times. It needs to be removed off my report. 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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am filing a complaint against American Express regarding a billing dispute that has remained unresolved for approximately eight months. I disputed transactions on my account and repeatedly requested copies of my account statements, transaction history, and dispute investigation records. American Express failed to provide the requested documentation in a timely manner and repeatedly gave inconsistent information regarding the status of the dispute. At different times, representatives stated the dispute was closed, while other representatives later stated the dispute was still open or could be reopened. I also requested copies of statements needed to review the disputed charges, and despite assurances that they would be mailed to me, the matter still remained unresolved. During this process, American Express continued referring to the account as delinquent while the dispute and requests for documentation were still unresolved. I believe American Express failed to properly investigate and resolve the dispute within the timeframes required under the Fair Credit Billing Act and failed to provide adequate transparency and documentation regarding the investigation. Due to the excessive delay, inconsistent responses, failure to provide requested records, and failure to resolve the dispute within a reasonable timeframe, I am requesting : Removal of the disputed balance and disputed charges Deletion or correction of any negative reporting related to the disputed matter Copies of all account statements and investigation records connected to the dispute Written confirmation of the final outcome and determination I have preserved screenshots, emails, and chat records documenting my repeated attempts to resolve this matter and obtain records from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Description of the Problem : On XX/XX/year>, I was contacted by XXXX XXXX and XXXX XXXX, who claimed to be supervisors, via a phone call originating from the number ( XXXX ). This number is officially registered as belonging to Wells Fargo 's XXXX Department. I was fraudulently induced to make this payment under the false pretense of securing my account. They claimed that funds were being sent from my account via XXXX to a person named XXXX XXXX in XXXX ; when I denied authorizing such a transaction, they proceeded to guide me through the subsequent steps. XXXX minutes later, they called me again from the same number. When I asked for the caller 's name, they hung up, and at that moment, I realized it was a scam. I immediately called the bank to report the incident and provide the details. I have already attempted to resolve this matter directly with Wells Fargo since XX/XX/XXXX, having spoken with the Wells Fargo XXXX Department ( XXXX ). On XX/XX/XXXX, I visited the bank in person to file a formal report and update all security settings on my account; on that same day, XX/XX/XXXX, I also filed a report with the police. Additionally, I sent a letter to the XXXX XXXX XXXX XXXX. However, I have not received a satisfactory response from the bank ; on the contrary, they closed the case because they allege that the transaction was made voluntarily. I was deceived ; therefore, this constitutes an Unauthorized Fund Transfer pursuant to Regulation XXXX and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), as my consent was obtained fraudulently.

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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information that continues to appear on my consumer report despite my previous submissions and supporting documentation. Pursuant to XXXX XXXX. XXXX of the Fair Credit Reporting Act, I am again demanding the immediate blocking and permanent removal of these accounts resulting from identity theft. I previously submitted an FTC Identity Theft Report along with proof of identity and supporting documentation. Under federal law, once a consumer provides a valid identity theft report, consumer reporting agencies are required to block the reporting of fraudulent information. However, despite my compliance and submission of all requested documentation, the inaccurate accounts remain on my credit file. This matter is causing ongoing financial harm, emotional distress, and damage to my creditworthiness. I dispute any ownership, responsibility, or authorization connected to the accounts listed below. I did not open, authorize, benefit from, nor participate in the activity associated with these accounts. Please be advised that this is not a duplicate dispute. This is a continued demand for compliance under the FCRA due to your failure to properly block fraudulent information after receiving sufficient identity theft documentation. Failure to comply with the requirements of XXXX XXXX. XXXX and XXXX ( b ) may constitute negligent or willful noncompliance with federal law. I am requesting an immediate reinvestigation and permanent blocking/removal of the following fraudulent accounts from my credit report : Accounts in Dispute : * XXXX XXXX XXXX Account Number : XXXX * XXXX XXXXXXXX Account Number : XXXX I have already provided supporting documentation including : FTC Identity XXXX Report Government-issued identification Proof of address Supporting records related to the fraudulent activity Because these accounts resulted from identity theft, they must not continue to be reported, verified, or reinserted without full compliance with the Fair Credit Reporting Act, including proper certification and notice requirements under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). I expect these fraudulent accounts to be blocked and deleted immediately. Please provide written confirmation once the removals have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I woke up to find my PayPal account had been missing alot of money and when I realized it a went to XXXX game I had been playing for years I immediately contacted that game asking them what was going on but they were unwilling to help me and instead said I must have did it but it had been done in the middle of the night while I was sleeping and basically did not help me and instead closed my account with that gaming app. But not before more money was taken out of my account the next day, so then I contacted PayPal and the PayPal XXXX started going back and forth with them. This went on for a few days then a different website took money out then another so I locked my card at this point told PayPal what I did then told them I locked my card then told them I am canceling this card please send me a new card I am cutting this card up obviously it's been hacked please help me I said. But it just seems like PayPal was still unwilling to help me after days and days of talking with PayPal back and forth on the phone and emails and messages and now this is been going on for months and I had more than {$1500.00} taken out of my account of which I never had replaced and PayPal said they were working on it several people there said they were working on it they said they were helping me they said they were doing Appeals yet I never got my money. So now we're at today and now today with money that is in my account and with a new card yet now they have a security on my account to where I can't even use my own money now so now I'm XXXX!! Now they're trying to control me and my money and not let me use my money and I want this fixed now!! It is my money and I should be able to use it whenever I want I earn it not them. It is my money I want to use it when I want to not you not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing an official complaint against Capital One for unfair rewards administration and a failure to honor a sign-up bonus due to severe card delivery logistics errors. On XX/XX/year>, I applied and was approved for the Capital One Savor XXXX XXXX credit card with a {$10000.00} credit limit. The promotional terms for this product tier offered a {$200.00} cash back bonus after spending {$500.00} on purchases within the first 3 months of account opening. . However, due to a severe shipping delay or lost transit by the carrier, the physical credit card did not arrive at my address and was not activated until Friday, XX/XX/XXXX. Because my physical card activation occurred months after the initial automated promotional period had already closed, it was logistically impossible for me to meet the {$500.00} spending threshold within Capital One 's standard calendar window. Capital One did not provide me with physical possession of the card or an alternative method to access my {$10000.00} credit line during that time. When I requested my earned cash back bonus, Capital One sent an automated denial email stating they " found that your account does not qualify based on the terms of the product for which you applied. '' This rejection is highly deceptive. My account absolutely qualified based on my product tier and {$10000.00} credit limit, but Capital Ones automated tracking system failed to account for shipping logistics. Per CFPB Circular XXXX, large card issuers engage in illegal and deceptive practices when they enforce unfulfillable, hidden conditions that prevent consumers from receiving promised sign-up rewards. Enforcing a 3-month timeline that expired before the physical product was even delivered violates this directive. I am a long-time Capital One customer with several accounts. I request that Capital Ones executive compliance team manually review my account activation date, override the automated timeline error, and credit my account with the {$200.00} cash back bonus I am rightfully owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America XXXX XXXX would issue a check for {$3500.00}. From a refund to my XXXX. XXXX credit card from a dental office. On the phone with B.A. representative, XXXX XXXX bank and me with XXXX. XXXX Office. XX/XX/year>, Phone again to XXXX. XXXX office to follow up on this refund check {$3500.00}. This time will take XXXX to pay my XXXX billing and refund {$1900.00} to my account. I payed {$4000.00} for a tooth implant I didn't get. back in XX/XX/year>. This refunded was fform the XXXX Office for {$3500.00}. XXXX. XXXX Office for Vist credit card nothing but double talk or a Scam or just bad bussiness.

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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I discovered inaccurate personal information being reported on my credit file, including an incorrect address that does not accurately reflect my current information. I disputed the inaccurate address with the credit bureau, but the information continues to appear without proper verification. Reporting incorrect personal information may lead to mixed files, inaccurate reporting, and potential harm to my credit profile.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Santander Bank has reported XXXX derogatory or past day payments to my credit after the account was closed and the vehicle was repossessed. I have disputed it with the credit bureau multiple times and it comes back as correct each time, when it is incorrect. The account was closed on XX/XX/year> and I have late payments showing after that, that should not be on my credit. This is effecting my credit score and my ability to be considered for any loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I have repeatedly contacted Synchrony Bank regarding my inability to make payments for my PayPal XXXX and my Amazon XXXX account. When i try to use the emails I receive from them to make payments, I get messages saying sorry we're having technical problems. When I try going directly to the websites, I get messages saying your bank information needs to be confirmed, despite the fact I've received emails from them that my bank has been confirmed. I am exhausted from continuously having to go through voicemail XXXX and would appreciate any assistance you can provide. Thanks so much.

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