vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This claim involves account XXXX and XXXX " This claim involves both fraud inducement and Wells Fargo 's negligent failure to detect obvious fraud patterns. '' Wells Fargo Negligence failed to detect obvious fraud patterns allowing me to lose XXXX through XX/XX/year> and XX/XX/year>. 

There was full visibility of the fraud happening in real time that Wells Fargo failed to detect. 

Had Wells Fargo full filled it's duty to monitor my account and intervene when these obvious red flags appeared, the fraud would have been stopped and my losses prevented. 

I am willing to show how to deal with crypto fraud. Please see all documents as I have visual proof of Wells Fargo 's Negligence in handling my accounts. 

Please make sure you read my letter.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
* * Date range : * * * * XX/XX/XXXX XX/XX/XXXX * * A collection account related to * * XXXX XXXX XXXX XXXX * * has been reported on my consumer credit report. This balance resulted from administrative and procedural errors by the school, not from a failure on my part.On * * XX/XX/XXXX * *, I was notified by the colleges Financial Aid Office that I was * * not eligible for federal financial aid for the XXXX XXXX semester * *. On that same date, I contacted the college and * * withdrew from my class ( es ) * *. 
During a * * phone call with a college representative * *, I was explicitly informed that I had * * until XX/XX/XXXX to withdraw from my classes without penalty * *. I relied on this information and followed the withdrawal instructions provided to me.Approximately * * XXXX week later * *, the college emailed me stating that my * * account was locked * *, which prevented me from completing additional actions related to my enrollment or withdrawal.After this delay, the college later stated that * * classes began on XX/XX/XXXX * *, which directly contradicts the XX/XX/XXXX withdrawal deadline I was given during my phone call and after I had already initiated withdrawal.Despite my timely withdrawal and reliance on the information provided by the college, the school * * processed the withdrawal after the deadline * * due to its internal procedures. This improper processing generated tuition charges that should not have been assessed and were later sent to collections.I disputed this account, and it is marked as account information disputed by consumer. However, the collection agency continues to report the account without providing documentation showing that the charges were valid or that I failed to withdraw on time.No itemized billing, proof of a valid withdrawal deadline, or documentation contradicting my timely withdrawal has been provided. The continued reporting of this collection reflects a failure to conduct a reasonable investigation and has resulted in inaccurate and unverified information remaining on my credit report. I am requesting that this collection account be * * removed in full * * and that all consumer reporting agencies be updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was the victim of a scam. I was contacted by someone who appeared to be a legitimate business and was instructed to make payments in order to complete a transaction. I was told to purchase a gift card and also send money using XXXX XXXX and Chime. 

On or around [ date ], I purchased a gift card and sent the code to the scammer. I also sent money from XXXX XXXX to my Chime account and made payments related to this transaction. I believed this was a legitimate request at the time. 

After completing the payments, I realized this was a scam. The individual stopped responding and the service promised was never provided. 

I immediately contacted Chime and XXXX XXXX to dispute the transactions and explained that I was misled and manipulated into authorizing these payments under false pretenses. Despite this, my disputes were denied, and I was told the payments were authorized, even though they were the result of fraud. 

I believe the companies failed to properly investigate my claim and did not take into account that scam-induced payments are a form of fraud. I am requesting a full refund of the disputed amount and a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Dear Bank of America XXXX XXXX, I am submitting this complaint regarding an error made by XXXX of your customer service representatives that has left me without access to my debit card. 

My card was initially locked due to a suspected online transaction. I immediately contacted Bank of America and successfully verified all purchases on my account. After verification, the representative mistakenly cancelled my debit card, despite no fraudulent activity being confirmed. The representative acknowledged the mistake and apologized. 

As a result of this error, I am currently unable to use my debit card to access my funds for everyday and essential purchases. This situation has caused unnecessary inconvenience and disruption due to no fault of my own. 

I am requesting the following corrective actions : Immediate expedited replacement of my debit card at no cost Temporary access to my funds via a virtual or digital debit card Written confirmation that the card cancellation was due to bank error Review and reimbursement of any fees, penalties, or hardships caused by this issue Please treat this matter with urgency and confirm the steps being taken to resolve it. I expect a prompt resolution given that this was a bank error after successful transaction verification. 

Thank you for your immediate attention.

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 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I submitted a loan modification application to my mortgage servicer, Mr. Cooper Mortgage Services. The loan was sub-serviced by Lakeview Loan Servicing. 

Mr. Cooper acknowledged receipt of my application and later requested additional documentation. In written correspondence, the servicer stated that I had until XX/XX/XXXX to submit the requested documentation and that no foreclosure action would be taken if the documentation was received by that deadline. 

I submitted all requested documentation on or before XX/XX/XXXX, in reliance on the written assurance that foreclosure would not proceed. 

Despite my timely compliance, I received a letter dated XX/XX/XXXX stating that my documentation was received too close to the scheduled foreclosure sale date to allow for review and that a foreclosure sale was scheduled for XX/XX/XXXX. 

The foreclosure sale proceeded even though I met the stated deadline and my loss mitigation application should have been under review. 

On XX/XX/XXXX, I received written notice from XXXX XXXX offering a relocation incentive if I vacated the property. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX. stating a foreclosure sale was held on XX/XX/XXXX and their client Lakeview Loan Servicing was the purchaser at the foreclosure sale and I had XXXX to Vacate the property. Lakeview Loan Servicing was the sub-servicer on my mortgage at the time of foreclosure. 

This raises serious concerns regarding conflicts of interest, whether the foreclosure and sale were conducted at arms length, and whether foreclosure was improperly pursued instead of fully evaluating my timely submitted loss mitigation application. 

I am requesting review of the servicers actions, clarification of how foreclosure was allowed to proceed under these circumstances, and appropriate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Account name : SOURCE RECEIVABLES XXXX  Account number : XXXX Account type : Collection Amount : {$270.00} In XX/XX/year>, a company named XXXX XXXX XXXX placed a negative entry on my credit report in the amount of {$270.00}. I immediately disputed the account, as I have no knowledge of the debt and had previously informed the company that it does not belong to me. 

Then, in XX/XX/year>, another negative report appeared on my credit file from a different collection agency, Source Receivables Management. This company never contacted me by phone, email, or mail before reporting the account to the credit bureaus. I believe this action violates my rights, as I was never given the opportunity to receive notice, verify the debt, or dispute it prior to the derogatory reporting. 

I have now disputed this account twice. Despite my efforts, the collection agency continues to insist that the negative information must remain on my credit report, yet they have failed to provide any documentation or evidence to validate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I made a payment on XX/XX/year> with my Western Union XXXX Account of {$340.00} to my son Inlaw in XXXX and the transaction said successful from my end but failed from receivers need and I contacted western union about this severally but they kept telling me that theyre working on it but up till now the money has not yet been refunded or sent to my receiver But my money has but yet be refunded they kept telling me to call back after XXXX and its been XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FORTIFI FUNDING III LLC
State: FL

Complaint narrative:
I am a homeowner in XXXX  who used the XXXX  XXXX  to finance the installation of a solar system. The program XXXX, XXXX XXXX XXXX XXXX, disbursed funds to the XXXXXXXX XXXX XXXX in XX/XX/XXXX based on a " Completion Certificate '' I signed, which stated the work was complete and all permits were obtained. 

Crucial New Evidence from the Municipality : Official records from the XXXX XXXX XXXX XXXX prove this was false. The building permit associated with the XXXX project ( Permit XXXX XXXXXXXX ) was CANCELED AND VOIDED on XX/XX/XXXX. The official reason, as noted by XXXX XXXX XXXX XXXX, is : " This permit application has been canceled and voided because the XXXX did not perform any work. '' A new permit ( XXXX XXXXXXXX ) was created in XX/XX/XXXX, indicating any work attempt happened much later and is unrelated to the XXXX financing. Even this new permit has faced multiple rejections and is only now " XXXX to be Issued, '' confirming no final inspections or approvals were ever granted for the originally financed project. 

Summary of the Fraud/Error : XXXX disbursed XXXX funds in XX/XX/XXXX for work that the municipal authority now XXXX states was never performed by the XXXX under the corresponding permit. The " XXXX XXXX '' was therefore based on a complete falsehood. 

Despite providing XXXX with this official evidence proving the disbursement was made for non-existent work, they have refused to take corrective action, citing contractual clauses. 

I am being forced to pay, through a property tax XXXX, for an " improvement '' that the building department confirms was never built under the financed permit. 

I request XXXX XXXX  intervention to have XXXX : Immediately suspend all collections and interest accrual. 

Acknowledge the disbursement was based on a fraudulent or erroneous XXXX XXXX for work that never occurred. 

Cancel the financing agreement, release the lien on my property, and refund all payments made, as the core contractual premise ( completed work ) is false. 

Key information to identify my case : XXXX  assessment number : XXXX XXXXXXXX XXXX XXXX XXXX Date of XXXX XXXX disbursement : XX/XX/XXXX Canceled Permit XXXX XXXX XXXXXXXX ( XXXX XXXX  XXXX ) Municipal Finding : " the XXXX did not perform any work '' ( Note dated XX/XX/XXXX, by Permit XXXX XXXXXXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TX

Complaint narrative:
Company : PayPal Product : Money transfer / digital wallet Issue : Funds frozen / delayed access to my money What happened : In early XX/XX/2026, I received approximately {$5200.00} in personal donations from friends and family into my PayPal account. These funds are not related to any business activity, sales, or services. 

On XX/XX/2026, PayPal placed a XXXX hold on these funds and permanently restricted my account. I submitted an appeal and provided documentation showing that the funds are urgently needed to pay for an immigration attorney for my fianc, who is currently in XXXX immigration custody and has an upcoming court date. 

PayPal responded that the hold would remain and the account restriction is permanent, without considering the humanitarian nature or urgency of my situation. Because of this action, I have no access to these funds, which are critical for securing legal representation. 

Complaint Description / Request : The delay in releasing these funds causes irreparable harm, as immigration proceedings move quickly and access to legal counsel is time-sensitive. PayPals actions effectively prevent me from securing legal defense for my fianc during detention.

I am requesting CFPB assistance to ensure PayPal : Conducts a fair and humane review of my case Reconsiders the hold under humanitarian hardship standards Releases personal funds needed for legal defense I respectfully request urgent attention to this matter due to the life-altering consequences of continued delay. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive been asking for XXXX weeks to get access to my funds I was told to prove it was me and I have they have been very nonchalant to getting back to me. I need my funds its causing emotions distress

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 2026-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GreenPath, Inc.
State: IL

Complaint narrative:
I signed an agreement with Green path wellness to try to get a lower monthly payment and interest rate. I was told that they would get the actual balance and request a lower interest rate and monthly payment but they needed to start with the current information to get the plan in motion. I was under the impression that they would get a lower monthly payment once they confirmed the balance and lower interest rate even though the current payment would still be the same for XXXX because the payment plan may not be processed and in place due to the timing and acceptance of the plan. 

I made multiple payments on the discover card towards the XXXX payment so that Green path wouldn't have to worry about the XXXX payment. I even asked them not to take the payment for XXXX and push the start date back to XXXX so that everything would be accurate. I could use the money to pay on the bills myself without the extra fees. I had to pay the initial fee and then the monthly fee per account. Why would I pay a debt management plan to get a lower monthly fee and interest rate then agree to a higher monthly payment. The fact that they even proposed and offered a higher monthly payment is beyond my comprehension unless they are working with XXXX. 

Then the XXXX and the agent tells me it's only a few dollars so your best bet that we advise is to just pay it because XXXX only allows XXXX debt modification plan for the life of the card so you will lose the benefit of the plan. There is no benefit to the plan and it sounds like this was the plan all along. I was referred to Green Path by XXXX which is why it was shocking that they would offer a higher payment. Both companies are scamming people and need to be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I paid off my student loans in full in XXXX 

This year, my former student loan provider, Nelnet, tried to contact me. I recently received a letter stating that I owe a balance of {$1700.00} for a previous student loan. However this was an error as I paid off all of my student loans in full several years ago. This particular loan was paid off XX/XX/year>. I reached out to Nelnet with direct proof/confirmation that the student loan had been paid in full. 

I noticed that Nelnet incorrectly re-instating debt that I had already paid off was beginning to affect my credit score. My very good credit score took a harsh tumble. I filed an appeal with XXXX showing exactly what had occurred. XXXX  sided with me, as I have all proper documentation of the loan in question being paid off. However, Nelnet refuses to update the loan as paid off. They are still saying I owe it despite proving that I have already paid that debt. I have paid what I owed. 

I do not owe any balance for any student loans and appreciate your assistance in correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, Truist Bank confirmed to me that a 0 % promotional interest rate was in place for my account, valid until XX/XX/XXXX. 

Despite this confirmation, in XX/XX/XXXX, I was charged interest on my account contrary to the agreed promotional terms. 

I contacted the supervisor in customer services, who acknowledged the issue and said she would follow up, but I never received a return call. I attempted to resolve this matter through the branch and customer services multiple times without success. 

As the issue remained unresolved, I sent formal letters detailing the situation to both the CEO and the XXXX XXXX of Truist Bank. As of today, I have received no reply or acknowledgment from either XXXX office. 

This interest charge is unjustified based on the original promotional agreement, and Truist Bank has not corrected the error or provided any explanation despite multiple outreach attempts.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding Credit Collection Service ( CCS ), related to improper and unauthorized debt collection communications in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

Credit Collection Service has been contacting me regarding an alleged debt that appears to originate from an insurance company or other entity. I do not owe this debt, and I never authorized or entered into any agreement with Credit Collection Service or the original creditor for this account. 

Despite my lack of consent and proper authorization, Credit Collection Service has continued to contact me via phone calls, letters, and electronic communications in an attempt to collect this debt. These communications are improper and unauthorized, and constitute a violation of 15 U.S.C. 1692c, which prohibits debt collectors from contacting a consumer at unusual times or places, or after being notified that the communication is disputed or unauthorized. 

Harm Caused Ongoing harassment and repeated contact regarding an unverified debt Emotional distress and inconvenience Potential negative impact on credit standing Violation of my federal consumer rights under FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation