vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Subject : Follow-Up Complaint Regarding Remitly Handling of Trusted-Recipient Fraud This case involves XXXX separate money transfers made over time to an individual I knew personally and trusted as a close family member, which demonstrates an established relationship and reliance inconsistent with Remitlys characterization of this matter as sending funds to an unknown or untrusted recipient. 

The harm in this case arose from the recipients fraudulent and deceptive actions, not from any failure or negligence on my part. I complied with all Remitly policies, and any XXXX risk indicators were solely triggered by the recipients conduct without my knowledge. 

I am submitting this follow-up complaint regarding Remitly, Inc. , in relation to a case of fraud committed by a recipient I trusted as a family member. 

Previously, I provided extensive documentation, including chat logs, police reports, XXXX filings, and bank statements, demonstrating that the recipient was * known to me personally * and the loss occurred due to * intentional deception and misrepresentation * by that recipient. 

Remitly has responded repeatedly with boilerplate language citing Section 9.2 of their User Agreement ( Sending Money Only to Trusted Recipients ) and has offered a goodwill payment of {$150.00}. While I acknowledge receipt of the payment, their responses fail to address the material facts : * The recipient was * not unknown * ; he was trusted and acted fraudulently. 
* My actions were * reasonable and responsible *. 
* The recipient gained and maintained trust through prolonged personal interaction and intentional misrepresentation, including psychological pressure and manipulation of my religious faith, which constitutes financial grooming and coercion rather than sender negligence. 
* Remitlys service and customer response * did not remediate the actual harm * nor meaningfully engage with my evidence. 
* * Their responses have been materially identical across multiple submissions, failing to address new or clarified facts provided in each complaint. * This complaint is being submitted to ensure that Remitlys failure to consider substantial evidence and the facts of trusted-recipient fraud is documented for regulatory review. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Received XXXX XXXX  Monitoring Alert On XX/XX/XXXX XXXX Reviewed Email Accounts on XX/XX/XXXX XXXX Notice XXXX emails from Wells Fargo on XX/XX/XXXX @ XXXX Contacted Bank on XX/XX/XXXX @ XXXX 1. Spoke to Banker ( J ) 2. Spoke to Identify Theft Department ( XXXX ) case opened 3. Spoke to Online Fraud ( XXXX ) Confirmation of open investigation Froze all credit reports

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX signed up for a XXXX  month subscription to XXXX. The charge was {$110.00}, which they took from my Capital One credit card that same day. the next day, I received a notice from XXXX saying that my account had been blocked. i immediately contacted them to ask why, and after several requests, i never received any answer from XXXX as to why my account was blocked. Upon further investigation. I learned that a class action suit in federal district court of XXXX Texas against XXXX had been filed for the exact same fraudulent activity for which they paid a {$14.00} XXXX fine. I sent all this to the credit card company as evidence of the fact that my card had been charged and I had not received any services, but the credit card company ignored it. I have spent hours trying to get this straightened around and I sent a large packet by regular mail showing I didn't get the goods including written proof that I didn't get the goods plus a copy of the federal lawsuit which recently had been settled for the exact same fraudulent activity. I stopped using the card in XXXX and the only charges that are on that card since then, which I have acknowledged and paid, were drugstore charges totaling {$270.00} which were on an autopay basis and which i acknowledge as mine. In addition, they showed I had a " rewards '' amount balance of {$170.00}, which I was never able to access through their website. I told them to feel free to apply that to the outstanding balance if they wanted, but everything else is protested including their late payment and interest fees, and I have notified the credit card company in writing that I'm not paying anything else and that i have closed the account. Any negative credit reporting to my credit record will be challenged. 

I have had credit cards for 60 years now. I have always paid my credit cards in full and on time every month. Capital One by far is the very worst company I've ever dealt with. There website is horrible. You can't protest charges on the website and it is a waste of time to document everything and send it by mail because they simply ignore it. 

i want this on record so i can pursue them legally for any negative credit issues they may file on my credit record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
Someone is using my id and social to get loans and all kind of stuff

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Dispute of Sunset Finance Co. Account Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account listed on my XXXX credit report for Sunset Finance Co. This account is being reported as a charge-off with a balance of {$910.00}, and I dispute its accuracy and validity under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I was not provided with a clear or proper disclosure of the loan agreement terms at the time of signing. I was rushed through the paperwork without a full explanation of the loan terms, repayment schedule, total amount financed, or consequences of default. At no time was the agreement adequately reviewed with me, nor was I given a meaningful opportunity to understand or consent to the terms being reported. 

Additionally, the account information being furnished is incomplete and inaccurate, including but not limited to : - No original balance listed - No disclosed monthly payment amount - No identified original creditor - No documentation verifying my informed consent to the loan terms Because the creditor has failed to provide clear disclosure and verifiable documentation, I dispute the legitimacy of this account and request that XXXX conduct a full reinvestigation. If Sunset Finance Co. can not provide signed contracts, itemized disclosures, and proof of informed agreement, this account must be deleted from my credit report. 

Please provide written confirmation of the results of your investigation. If the account can not be verified as accurate and complete, I request its immediate removal. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Veros Credit, LLC
State: CA

Complaint narrative:
XXXX XXXX WAS BOUGHT BY VEROS CREDIT. Prior to that i used to work for XXXX XXXX XXXX was my manager at XXXX  and she had issues with me. she repo my car before even after i made the payment and she pretended that didn't know that i made the payment she didn't stop from repo my car. today i made a call to make my car payment with my XXXX  account. a rep that works under XXXX XXXX didn't want to take my payment. i called again and another rep from Veros nicely took my payment and told me that my car was under review for repo. i believe that XXXX XXXX is retaliating for previous issues when she used to be my manager

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I sent emails with all information required on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Called and spoke to a rep and they said it would be escalated due to no response XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Called and spoke to a rep and they said it would be escalated due to no response Please see below emails. This is the XXXX attempt of trying to get my title information. Why am I getting no response? I have also called twice to escalate this and got no response. 

Hello, I had a loan with XXXX in XXXX for a XXXX XXXX XXXX and never received a title once my loan was satisfied. Would it be possible to get the title or at least a lien release so I can apply for a duplicate? 

Sent emails to XXXX with no response Fell free to call me or email if you require any further information Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
MOHELA has failed to process an XXXX XXXX XXXX XXXX in the amount of {$1200.00} submitted on XX/XX/year>. I first contacted MOHELA on XX/XX/year>, and it has now been over 90 business days with no resolution. Despite continued follow-up and written requests, the payment has not been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On Monday XX/XX/year> I was scammed out of {$1400.00} and immediately opened a claim with Wells Fargo. In addition I contacted the fbi as well as filed a police report. After a review Wells Fargo denied the claim with no additional reasons and closed the case.

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 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
There was a lawsuit against Wells Fargo. They sent a check for remediation. During the time of closing on my house in XXXX  things in the market were messy and my Wells Fargo representative was hard to reach when my realtor and I would try to reach her. I know more had to have been missed b I've tried to call Wells Fargo and I reached out to my Wells Fargo representative and tried to have her find out and nobody can give me answers for any of it. I have a feeling that I am owed much more money than what was sent to me. I want to know the details and the breakdown of why they sent me this money and how much more is owed to me. Are you able to help? I do have the letter that they sent me but there is no explanation other than that they identified that I may not have been offered a mortgage product that could have reduced my cost to address this they added {$800.00}. They said that this may include amounts for differences in interest mortgage insurance fees and combination of these. It seems like nobody else knows why and what is going on. I called the phone numbers listed as well as the main number and nobody can tell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Took out a loan at XXXX  % interest for hot water heaters. 
Setup automatic payments to bill monthly for XXXX year. 
Paid off loan early. Account was immediately closed and there was no way to cancel the upcoming, scheduled, payments. I called the regions.com number, they told me there was nothing they could do as the account was closed. I had to put in a stop payment with my bank, but I am still, attempted, to be billed for the monthly payment even though the account is closed. 
Note. The attached pictures are from XXXX XXXX XXXX The attached e-mail is from 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 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage loan was paid in full in late XX/XX/XXXX, leaving a {$0.00} balance. I also called them in late XXXX to verbally revoke all ACH autodraft authorization given that the loan was paid off. Despite this, LoanCare debited an automatic mortgage payment from my bank account after the loan had already been paid off. 

On XX/XX/XXXX, I called LoanCare to report the issue. During that call, I was told that a refund would be issued by paper check and that I should receive it within two weeks. 

I also sent a written request on XX/XX/XXXX, asking for a refund of the unauthorized payment, confirmation of the refund timing and method, confirmation that the loan balance was {$0.00}, and confirmation that automatic payments were canceled. I received only an automated acknowledgment stating the issue was under review with an estimated completion date of XX/XX/XXXX. 

As of today, more than two weeks after both my phone call and my written request, I have not received a refund by check or electronically, and I have not received any meaningful response. The funds continue to be withheld due solely to the servicers error.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
I downgraded/converted my U.S. Bank credit card ending in XXXX to a no-annual-fee product on ( XX/XX/2025 ). However, the annual membership fee of {$99.00} that posted on XX/XX/2025 has not been refunded. 

Over the past XXXX months, I have contacted U.S. Bank by phone approximately XXXX times. Representatives repeatedly stated the refund was processed, submitted, or approved, but there has been no refund and no statement credit posted. I have not received written confirmation, a tracking reference that corresponds to a real adjustment, or a clear timeline for when the credit will post. 

I am requesting the following : 1. Immediate refund/credit of the {$99.00} annual fee ( or a prorated amount if that is the banks policy after product conversion ), 2. Written confirmation that includes the adjustment/transaction ID, exact amount, and posting date, 3. Waiver/removal of any related interest or fees that resulted from this unresolved billing issue, and 4. If the bank claims the refund was already issued, a specific explanation of where it was applied, including the date, amount, and adjustment/transaction ID. 

I have attached supporting screenshots/statements showing the annual fee charge and the absence of any corresponding refund credit since the product change.

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 2026-01-19 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: U.S. BANCORP
State: IL

Complaint narrative:
US Bank has acted with deceitful and predatory practices to force us into foreclosure or liquidation. We applied for unemployment forbearance and were approved for XXXX year XXXX XXXX XXXX XXXX XXXX. We were assured from the beginning that after our financial hardship passed we could simply move the outstanding balance to the end of the loan and resume our payments normally. I was finally able to find a job in XX/XX/XXXX and now theyre saying that this decision is up to the FHA investor, not US Bank XXXX We were told on XX/XX/XXXX that the investor decided to rescind he approval for the forbearance and our only option was a loan modification but when we filed a complaint, the forbearance was mysteriously reinstated. We believe US Bank has taken actions to purposefully ensure that we wouldnt qualify for moving our outstanding balance to the end of the loan at the end of our financial hardship, such as removing us from forbearance several times for no reason without notice, switching us to a different type of forbearance to ensure that every XXXX months wed miss a payment without mortgage protection during their processing time, and attempting to deceive us into agreeing to a loan modification that would alter the original terms of our loan in favor of a predatory one from US Bank.

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 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am a victim of Identity theft. Once I learned of fraudulent accounts on my credit report I immediately began taking steps to rectify the issue. I reached out to Affirm to inform them that I had approximately XXXX accounts opened with them using my identity that I did not authorize nor did I have any knowledge of. I shared my personal information with them, which includes my email, phone number, and mailing address and they replied that they were unable to find any accounts using my details. Later I provided them with the fraudulent account numbers and they replied with a letter or denial stating they cross referenced the account information with my name, email, phone number, and transaction details and confirmed the information matched their records. This clearly could not be true if they were unable to find an account attached to me earlier using that same information. I have saved all emails with proof of these conversations. They stated they are holding me accountable for fraudulent accounts and they refuse to provide verification. I am being pressured to pay fraudulent debt and the proper steps are not being taken to confirm that these accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I saw on XXXX XXXX that a credit card was open in my name that u didnt open it was thru avant- I called to have them resolved and so I want held liable. They asked me to fill out a false credit false report which I did back in XXXX. They never responded and are keeping me liable for all the charges. Even though the card it closed and I filled there form out and I need these charges dropped off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Checked XXXX XXXX and said that I had something in collections from XXXX XXXX for {$740.00}. I have been receiving calls from XXXX XXXX  XXXX not thinking anything of it and talked to them on XXXX who stated that I had owed {$860.00} to XXXX. They said it was at an address of XXXX XXXX in AZ. I had created a report with XXXX XXXX  XXXX collections to dispute. I then contacted COX to create a report with them. I will be creating a police report in the next few days with XXXX XXXX police department.

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