vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> the amount of {$880.00} was stolen from my account while I was at work. My card was reported stolen to cashapp by someone other than me, my phone number and email address was also unlinked from my account, also not by me. I reported this activity immediately to cashapp about 20 minutes after the activity was reported to me. I asked cashapp to close my account to protect me, and I created a new one as they told me to. I filed a dispute with cashapp. This unauthorized transaction was made on XX/XX/year> and also disputed the same day, but cashapp has clearly failed to investigate. They continue to ask me to follow up in 10 business days. Today is XX/XX/year> with no resolution in sight. I will attach proof of unauthorized activity and communication with cashapp representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Concora credit calls 3-5 times a day ever single day of the week. Calls from a different phone number every time and will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing a formal complaint regarding a missing XXXX transaction involving my Chase Bank account. On a recent date, I initiated a XXXX transfer of {$800.00} from XXXX of my external bank accounts to my Chase account. The transaction ( reference number : XXXX ) is marked as completed and cleared on Chases end. However, despite the transaction being finalized, the {$800.00} has not been reflected in my available balance. I have carefully reviewed my account activity, including all posted and pending transactions, and my balance should clearly include this {$800.00} deposit. There is no explanation in my transaction history or account details that accounts for the missing funds. The discrepancy is not due to pending charges, holds, or miscalculations on my part. This situation is extremely concerning. A completed transaction that does not appear in the account balance raises serious questions about the accuracy and reliability of Chases accounting systems. I rely on my bank to provide accurate, transparent, and timely information regarding my funds. Additionally, after encountering this issue, I researched similar cases and found that other customers have reported comparable problems with Chase. This pattern further undermines my confidence in the banks handling of customer funds. My husband and I opened this Chase account in XXXX with the expectation of secure and reliable banking services. We have accounts with other financial institutions and have never experienced an issue where funds simply disappear after a completed transfer. I am requesting the following actions : 1. Immediate investigation into the missing {$800.00} XXXX transfer. 2. A clear explanation of why the completed transaction is not reflected in my balance. 3. Prompt credit of the missing funds to my account. 4. Assurance that Chase will take corrective measures to prevent this issue from happening again. This matter requires urgent attention, as it involves missing funds and potential errors in account balance reporting. I expect a timely and thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
There was a charge of XXXX. XXXX on my Macys card that I reported to Macys as fraud. After I made the report in XXXX, XXXX, it took the company from XX/XX/year> when I reported to the end of the year to sent me their decision after multiple calls from me. When Macys finally got the case resolved, they wanted me to pay the late fees and interest on the unresolved amount during the investigation period. I told them they told me to wait while they resolved the fraud so why am I paying late fees and interest. They have reported my account to the credit bureau and send the Account to collections currently.they are not willing to do anything about it. All I wanted this whole XXXX was for the company to resolve the fraud purchase and let me pay the actual amount I owe them on the card. Now I am being charged for their delay and incorrect information provided to 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to request clarification and a review regarding a restriction placed on my use of Zelle. Token : XXXX While banking with XXXX XXXX in California, I was unexpectedly suspended from the Zelle network. When I contacted the bank, I was informed verbally that the restriction was initiated by Zelle ; however, they declined to provide this information in writing. I am seeking assistance from Early Warning Services to understand whether there is a restriction associated with my profile or phone number, and if so, the reason for it. I am currently XXXX XXXX XXXX and in XXXX XXXX, and I previously had a XXXX account closed under a fraud designation, which I do not fully understand. I am concerned that there may be information in my consumer file that is negatively impacting my ability to access standard banking services. I respectfully request a review of my file, an explanation of any restrictions, and guidance on whether these issues can be resolved or corrected. Thank you for your time and consideration. TLDR : my zelle was suspended at XXXX XXXX and I asked them why, they stated that Zelle initiated the block on my account. They are unwilling to send me an email stating that XXXX initiated the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
My ex-boyfriend use my personal information to purchase a vehicle from his best friends car lot. The vehicle is also only registered to him. Since then, the car lot has been shut down. he lived in my home for about a year, and had access to my phone, email, my computer and my social security number because he has also done my taxes. I have tried to reconcile with him as well as contact Credit Acceptance and have not gotten anywhere. He has sparingly made payments on a vehicle, has had the car repossessed and was able to get the car back without my knowledge, he is ruining my credit where I am unable to find a place to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to properly validate an alleged debt by Portfolio Recovery Associates. I have made multiple written requests for validation of this account. The company has not provided sufficient documentation to establish that I am legally obligated to pay this debt or that they have the legal authority to collect. Despite multiple disputes with the credit bureaus, the account continues to be reported as verified. The verification appears to have been completed electronically without a meaningful investigation. Portfolio Recovery Associates has failed to provide : A copy of the original signed agreement A complete chain of assignment proving ownership of the debt A full payment history supporting the balance claimed Documentation demonstrating the accuracy of the reported information Additionally, I requested the method of verification from the credit bureaus, and no meaningful verification details were provided. I attempted to resolve this matter directly, but no sufficient documentation was provided. This account continues to be reported without proper validation and is negatively impacting my credit profile. I am requesting that this account be removed due to failure to properly validate the debt and failure to ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Order from XXXX # XXXX Date XX/XX/2026 Paid {$180.00} Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Concerning the above order : I put in the Order with XXXX choosing XXXX as payment, which had a problem going through with my XXXX payment, and nothing was verified. I received neither an email nor notification from XXXX NOR XXXX, which is NOT NORMAL. I put the Order in AGAIN, using PayPal, with instant notification that the order was placed and it was charged to PayPal, which is NORMAL. ( I ORDER A LOT OF GIFTS BY MAIL LIKE THIS ). I received a notice from XXXX that the amount was pending. I immediately contacted XXXX, who informed me they never received money from XXXX and if it was pending it wouldn't be collected from XXXX and just dropped from XXXX since XXXX received payment from Paypal. XXXX told me to contact XXXX since XXXX never received money from XXXX. I contacted XXXX who said they paid XXXX and they did not return my charge. Which means I paid TWO TIMES -- one to XXXX through PayPal which went through fine, and one that XXXX SAYS they paid to XXXX but XXXX as efficiently communicated with me two times saying XXXX never gave them money for the order. PLEASE give me the {$180.00} that I paid XXXX ( I already paid it to XXXX once by PayPal and XXXX never gave XXXX money for that order ). I paid TWO TIMES for the same thing, and XXXX never received money from XXXX. I shop at XXXX all the time and never had a problem like this. I think this is horrible that this happened and there is no reason why you XXXX will not make it right. XXXX never received money from them, yet I was charged. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: NY

Complaint narrative:
I signed a lease for an apartment, but before the lease start date I notified the landlord by email that I would not be moving in. I never took possession of the unit, never received keys, never moved any belongings in, and never set foot on the property as a tenant. After I gave notice, the landlord was able to find another person to take over the lease. Because the unit was re-rented, there should not have been any loss of rent for the time they are now trying to charge me for. I am now being charged for the first two months of rent, and that balance was placed into collections, even though I never moved in and the unit was taken over by someone else. In addition, the price listed on their website was not accurate or clearly presented. The advertised amount did not specifically state that the price was per person, which was misleading and failed to clearly explain the actual rental charge. Furthermore, as the 15 U.S.C 1681 law stipulates there should not be any damage on my report its a deformation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CA

Complaint narrative:
I am disputing a transaction on my account that I did not knowingly authorize. I was the victim of a scam while using XXXX, where I believed I was communicating with a legitimate buyer. The individual misrepresented themselves and deceived me into providing my debit card information under false pretenses related to a supposed transaction. At the time, I believed I was interacting with a real customer, not authorizing a payment or transfer of funds. I did not intend to send money or approve any withdrawal from my account. The transaction in question was made as a result of this deception. I have included supporting evidence showing my seller account, messages from the scammer, and additional proof that I was targeted by multiple phishing attempts on the same day. This demonstrates that I was specifically targeted and misled. As soon as I realized what happened, I took action to report the issue. This transaction was unauthorized from my perspective, and I respectfully request that it be reviewed as fraud. I filed a claim from chime to get my money back & they denied my claim 2 times even though I was clearly scammed, I find it suspicious by chime for them to do that because in the past they always gave me money back for my past claims for disputes that were under {$30.00} but this time my claim was {$150.00} & they adamantly denied my claim for credit even though I gave them mountains of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NC

Complaint narrative:
I had two charges of {$630.00} each taken out of my Wells Fargo Checking account on XX/XX/year>. I called XXXX and Wells Fargo several times to no avail. I called my local police department and submitted a police report and spoke with XXXX XXXX. I called XXXX XXXX and Wells Fargo Bank again and they both denied my claim. Can you please help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
We did a loan modification a few years back and were asked to enter into a trial period and pay {$10000.00} down and pay an additional {$500.00} per month above modification payment for one year. We completed the trial period and were approved for the modification. Several years later and still struggling financially, we decided to sell our home. The payoff amount seemed much higher then anticipated, however, our home was within the foreclosure process so we could not wait for company to rectify the issue. Subsequent to selling our home, we have contacted SN Servicing several times and eventually got transferred to their attorney XXXX XXXX. We sent in repeated requests asking for proof along with an amorization payment schedule that the {$10000.00} and additional {$500.00} per month we paid were applied to reduce the principal balance. The paperwork they initially sent did not show any proof that those funds were applied to our principal balance and multiple letters and requests later only result in SN Servicing sending a form letter stating the matter has been resolved. As previously stated, zero proof was ever sent and we know the extra money we paid was never applied to our principal balance. Please be advised that all paperwork we have related to this matter can be mailed or e-mailed anywhere you wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
in XXXXXXXX XXXX XXXX i applied for a wells fargo reflect card to pay for a emergency in my home and payed the contractor with the check instead of giving him the card because the transaction was in my home later i received a bill with a XXXX fee attached to my balance and asked them about this and was told it was a balance transfer fee it was not clear on the paperwork they sent me so being a customer for XXXX plus years i was under the impression that the fee would be waived i have asked for this fee to be waived because it was not shown that a fee would be added to my balance i believe this is a form of fraud i have reached out to wells fargo numerous times all the way up to the escalation department to no avail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My account was recently transferred to this lender. I have been unable to contact the lender to confirm the account transfer and where or make payments electronically. I called the number three times after trying to register my new account with the company in which online I have received an error stating that the loan number and my SSN does not match. I called my previous lender whom stated that the account would be transferred on XX/XX/XXXX with payment expected on XX/XX/XXXX. However, I can not confirm this with Lakeview due to the telephonic automatic recording stating an error has occurred when I prompt to speak to a representative. I have been paying my mortgage on time each month with my previous lender to increase my credit score and to not have anything reflect negatively against my credit I would love from someone anyone from the company to contact me asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had XXXX XXXX XXXX XXXXnd it was changed over to a Wells Fargo credit card without my consent or understanding of what was going on. I never wanted or asked for this Wells Fargo card. I tried to close the card and get all fees and interest removed. I was transferred like 4 times and no one would help me and they were unprofessional. It was supposed to be taken care of by now and no one has contacted me like I was promised. I keep getting bills and it is showing up as open on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
Radius Global Solutions is reporting a {$2700.00} T-Mobile debt on my credit that is NOT mine since XX/XX/XXXX. They told me on XX/XX/XXXX it was sent back to XXXX XXXXis account has an XXXX, TX address XXXX my birth date. Ive never lived in TX and never had a XXXX XXXXount in my name. Radius refused to send me a letter confirming closure or request deletion from bureaus. This violates FDCPA 1692e ( 8 ) - reporting false credit info. I have fraud alert on file. I demand immediate deletion and written confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ive been applying for a mortgage with Navy Federal starting XXXX XXXX. It is now XXXX I turned in paperwork they say they didnt get it. I turned in paperwork they said the incorrect paperwork and I turn in the same documents. They say its correct, but they didnt receive them till a week later they do not call me back in a timely matter. I sent several emails asking. What do I need to do? They dont call me back to a week or XXXX weeks later more than XXXX people are handling my application. My application has expired. My credit has been ran more than XXXX time.

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