vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NY Community Financial, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a fraudulently cashed money order that I purchased from Community Financial Service Center ( XXXX ) and that was issued by XXXX XX/XX/XXXXXXXX, a licensed XXXX XXXX XXXX. Despite following all required procedures, submitting documentation, and waiting well beyond the stated investigation timelines, I have not been reimbursed. 

On XX/XX/scrub>, 2025, I purchased a money order from CFSC in the amount of {$980.00}. The intended recipient never received the payment. When I requested a copy of the cashed item, I discovered that the money order had been fraudulently endorsed and cashed by an unauthorized individual. 

Following CFSCs instructions, I completed a police report and submitted all required documents, including the fraud affidavit and supporting evidence. At the time of submission, I was told the investigation and reimbursement process would take approximately XXXX months. 

After the initialXX/XX/XXXXmonth period passed, CFSC informed me that the investigation could take up to XXXX months or longer. It has now been over XXXX months, and I have received no reimbursement, no meaningful update, and no explanation for the delay. 

Because the money order clearly states Issued by XXXXXX/XX/XXXXXXXX, the legal responsibility for reimbursement lies with the issuer. CFSC, as the seller, is responsible for properly forwarding my claim and ensuring the issuer processes it. Both parties have failed to meet their obligations under federal and state consumer protection laws, including those governing XXXX XXXX XXXX. 

This prolonged delay has caused financial hardship and significant inconvenience. I have acted in good faith, complied with every requirement, and provided all documentation promptly. The lack of resolution raises concerns about compliance with : - Federal consumer protection standards- XXXX XXXX antifraud requirements - New York XXXX XXXX regulations - XXXX consumer protection laws I am requesting the assistance of your office in obtaining the following : XXXX. Immediate reimbursement of the {$980.00} for the fraudulently cashed money order. 

Thank you for your attention to this matter. I respectfully request your assistance in ensuring that this issue is resolved promptly and appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX I sent an international SWIFT wire transfer for USD XXXX from my Bank of America account. 
The receiving bank in XXXX confirmed receipt of the wire, but the beneficiary account number was incorrect, so the funds were not credited. 
The money was never returned to my account. 
Bank of America confirmed the wire was sent and provided a reference number, but they refuse to provide the XXXX document, which is required to trace and recover the funds. 
My account was later closed, but the wire was executed and should still be traceable. 
I am requesting Bank of America to provide the XXXX and to initiate a XXXX wire investigation and recovery request.

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 2026-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am filing this complaint regarding multiple unauthorized transactions on my account that were wrongfully denied by Chime. 

Several transactions were charged to my account by XXXX * XXXX XXXX without my authorization. These transactions are listed below : {$50.00} {$260.00} {$290.00} {$990.00} {$330.00} The total unauthorized amount is {$1900.00}. 

I did not make, approve, or benefit from any of these transactions. As soon as I noticed the unauthorized activity, I immediately contacted Chime and filed a dispute ( Dispute ID : XXXX ) and reported the transactions as fraud. 

Chime reviewed my claim but later denied my dispute, stating that they found no error. I strongly disagree with this decision because these transactions were not made by me, and I had no involvement in them. I took immediate action by reporting the fraud, securing my account, and fully cooperating with the bank. 

Despite reporting promptly and providing all necessary information, Chime refused to refund the unauthorized {$1900.00}. I am requesting a full reinvestigation of my claim and reimbursement of the unauthorized transactions. 

I believe my consumer rights under the Electronic Fund Transfer Act ( XXXX ) have not been properly protected, and I request assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against JPMorgan Chase BankImproper Account Closure and Withholding of Treasury Check Funds Dear Consumer Financial Protection Bureau, I am submitting this complaint against JPMorgan Chase Bank regarding the improper closure of my savings account and the withholding of funds from deposited U.S. Treasury checks. 
On XX/XX/year>, I deposited five ( 5 ) checks into my Chase savings account ending in XXXX. All checks were properly endorsed to me, including the names and signatures of the original payees. The total amount deposited was {$6400.00}. The individual check amounts were as follows : {$1400.00} {$950.00} {$1600.00} {$1400.00} {$1000.00} Later that same day, I received an email from Chase Bank informing me that my account had been restricted and might be closed due to the deposited checks. Shortly thereafter, the bank closed my account. I went in person to speak with the branch manager, who informed me that the matter was handled by the fraud department and that he could not intervene. 
To date, I have not received the {$6400.00} from these deposited checks. Because they were U.S. Treasury checks, I submitted a written request to the IRS and the U.S. Treasury Department asking that the checks be replaced, since Chase neither paid nor returned them to me. I subsequently received a written response from the IRS stating that the checks had already been cashed by Chase Bank and that Chase retained the funds.

One of the checks belonged to my XXXX, who endorsed it over to me so I could deposit it into my account. My father and I personally went to the bank to confirm that he had given me the check voluntarily, yet the bank still refused to release the funds, stating again that the fraud department made the decision. 
I believe Chase Bank has wrongfully withheld my funds. I am requesting immediate payment of the full {$6400.00} that the bank received from cashing these Treasury checks.

I have attached supporting documentation, including : Emails from Chase Bank Deposit receipt Bank statement IRS correspondence Copies of the checks and related documentation I respectfully request that the CFPB investigate this matter and assist in recovering my funds as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
AMSHER COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER 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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is the second complaint against Wells Fargo regarding unwanted marketing materials sent to my home address I have made several calls to Wells Fargo requesting to be removed from their marketing list The company has not honored my request im still getting junk mail from.them as recent as today XX/XX/XXXX. Therefore I have no choice except to file another complaint Please remove my information from your files once and for all I will never do business with Wells Fargo again.

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 2026-02-12 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: Shellpoint Partners, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, Shellpoint responded to CFPB Complaint # XXXX acknowledging their representative provided incorrect information during my mortgage recast process but refused to compensate me for {$980.00} in documented interest charges caused by their admitted error. 
On XX/XX/XXXX, I sent a detailed request for compensation directly to Shellpoint 's Compliance Department, clearly outlining the financial harm and requesting reimbursement. 
On XX/XX/XXXX, Shellpoint sent another response ( attached ) again apologizing for the " miscommunication '' but completely ignoring my request for compensation. Their letter makes no mention of my compensation request and attempts to use the sale of my loan as a reason to close the matter. 
Shellpoint has now admitted their error twice in writing but refuses to : Address my compensation request at all Provide any justification for why I should bear the cost of their mistakes Explain their legal basis for refusing to pay documented damages I have calculated actual damages at {$980.00} based on their own loan records : Principal payment : {$300000.00} Interest rate : 5.99 % Days delayed due to their misinformation : 20 days ( XX/XX/XXXX - XX/XX/XXXX ) Interest accrued : {$980.00} Their pattern of behavior : XX/XX/XXXX : Gave me factually incorrect recast instructions XX/XX/XXXX : Admitted error via CFPB response, refused compensation XX/XX/XXXX : Admitted error again, refused to address compensation request, attempted to close matter Shellpoint 's responses are carefully worded to appear cooperative while systematically avoiding accountability. They apologize but never address the substantive issue : who pays for the damage their admitted errors caused? 
I am not requesting Shellpoint investigate their own error again. They have already admitted it twice. I am requesting the CFPB compel Shellpoint to either : Compensate me for documented damages caused by their admitted servicing errors, OR Provide a substantive explanation for their refusal to do so The sale of my loan does not eliminate Shellpoint 's liability for damages that occurred during their servicing period. 

Requested resolution : Payment of {$980.00} in actual damages caused by Shellpoint 's admitted servicing errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: KY

Complaint narrative:
On or about XX/XX/year>, I rented a vehicle from XXXX XXXX XXXX XXXX. I returned the vehicle around XX/XX/year>. After returning the vehicle, I saw a miscellaneous charge to my credit card in the amount of XXXX including taxes and fees. I brought this to the attention of the general manager of the location, and he willingly adjusted the amount and gave me a new receipt. 

The new receipt reflected original charges without the miscellaneous fees. However, after disputing these charges with Citi Cards these charges remain on my account which has brought me over the credit limit and has incurred interest over an 8-month period.

I provided documentation for proof to Citi, but Citi is stating I owe this amount.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am filing this complaint again against SEQUIUM for ongoing violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

SEQUIUM is reporting a collection account in the amount of {$6500.00} account # XXXXXXXX XXXX XXXX relating to XXXX XXXXXXXX XXXX XXXX. This alleged debt does not belong to me. The charges being reported are inflated, unjust, and unsupported. 

On XX/XX/year>, I filed a formal complaint and dispute regarding this account. I requested full validation pursuant to FDCPA 1692g, including : A copy of the original signed lease agreement A complete itemized accounting of the alleged charges Documentation supporting the amount claimed Proof of lawful assignment and authority to collect SEQUIUM has failed to provide competent documentary evidence validating this debt. Despite my written dispute and complaint filed on XX/XX/year>, SEQUIUM continues to report this false information to consumer reporting agencies. 

Their conduct violates : FDCPA 1692g ( b ) Failure to provide proper validation and cease collection pending validation FDCPA 1692e ( 2 ) ( A ) False representation of the character or amount of a debt FDCPA 1692e ( 8 ) Communicating credit information known to be disputed FDCPA 1692f Unfair or unconscionable collection practices FCRA 1681s-2 ( b ) Failure of furnisher to conduct reasonable investigation after notice of dispute FCRA 1681e ( b ) Failure to ensure maximum possible accuracy This account continues to be reported even after formal dispute and complaint. That is not a reasonable investigation. It is reckless reporting. 

Additionally, I was affected by the widely reported XXXX  and XXXX  data breaches, which exposed sensitive consumer information including Social Security numbers and personal identifiers. Given the heightened risk of identity compromise, SEQUIUM has an elevated responsibility to ensure strict accuracy before reporting derogatory information under my name. 

Instead, SEQUIUM continues to publish false and inflated information that does not belong to me. This has caused significant emotional distress, reputational harm, and damage to my creditworthiness and financial stability. 

This matter is currently under litigation review. Due to XXXX continued reporting of inaccurate information after formal dispute on XX/XX/year>, I fully intend to pursue civil remedies for negligent and/or willful noncompliance under : FDCPA 1692k FCRA 1681n Willful noncompliance FCRA 1681o Negligent noncompliance SEQUIUM has failed to act lawfully, failed to properly investigate, and continues to report false information despite being put on notice. 

This debt is unjust, false, inflated, and improperly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was a judgment filed against XXXX XXXX as well as Wells Fargo because wolves XXXX finance the loan for the vehicle We went to mediation with the state of Florida, where I was awarded the case due to negligence of XXXX XXXX XXXX XXXX was ordered to void the contracts between myself and the loan agreement with Wells Fargo. All parties to include myself were mailed the final paperwork of the mediation from the state of XXXX. Wells Fargo has not updated my credit report this judgment took place and XXXX. This has caused me numerous issues of trying to finance other consumer loans since then. 

I have disputed it with the credit bureau a number of times Wells Fargo send back information stating the {$13000.00} amount is still owed when they specifically received certified letter from state of XXXX  mitigation as well as a certified letter from my attorney. This case went on for over XXXX  months before it was finalized and I am still dealing with a negative credit issue.

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 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint regarding an unexplained adjustment to my JPMorgan Chase / WePay merchant processing account. 

On XX/XX/year>, an adjustment in the amount of approximately {$110.00} was applied to my merchant account. I have repeatedly requested the transaction-level details associated with this adjustment in order to properly reconcile my business records. 

Specifically, I have requested : The original transaction date tied to this adjustment The transaction ID The batch or settlement reference The reason code for the adjustment Supporting documentation explaining how the amount was calculated I have been informed that the adjustment was made following an internal accounting review, but that details are not available. 

As a merchant account holder, I am required to maintain accurate accounting and audit records. A financial institution applying an account adjustment without providing identifiable transaction origin information prevents proper reconciliation and undermines transparency. 

This complaint is not about the dollar amount. It concerns the inability to obtain basic transaction traceability for funds moved within my merchant account. 

Merchant processing systems are expected to maintain audit trails for adjustments, reversals, and settlement activity. I am requesting written documentation identifying : XXXX. The originating transaction date associated with the adjustment XXXX. The transaction ID XXXX. The settlement/batch reference XXXX. The specific reason code and supporting documentation for the adjustment Without transaction-level traceability, I can not reconcile my records or confirm the legitimacy of the accounting action. 

I am requesting formal written documentation so this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Today at XXXX I went to pay a bill on my chime card. When I tried to get into my account, they had already locked my account. When I called the first time, they had no information on why my account was closed, the second time, he told me an account violation. Which moving money from XXXX XXXX, and chime isnt a violation. So after keeping me on the phone. They said Im not able to get my account back, and no money back. So I tried calling back again minutes later, another person told me the same. cant get account back, and now they dont see my money that I had. It was in my savings account. So I told them this. Mind you. They never gave me no email, no letter stating my account was closed. Now they claim I cant get money back. He just asked me if there was anything i can do. Thats it. Didnt care

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am filing this complaint because Ally Financial is reporting false, inaccurate, and misleading information on my credit report. The auto loan in question was paid in full nearly two years ago after my vehicle was totaled and GAP insurance satisfied the remaining balance. Despite this, Ally continues to report a late payment that occurred after the account was already in a GAP settlement process and no payment was owed by me.

This is not a legitimate delinquency. It is a postGAP administrative delay that Ally is improperly reporting as consumer fault. This reporting is factually incorrect, legally improper, and violates multiple sections of the Fair Credit Reporting Act.

FCRA Violations Committed by Ally Financial 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may NOT report information they know or should know is inaccurate. 
Ally is reporting a late payment after the balance was covered by GAP, meaning no payment was due.

2. FCRA 623 ( a ) ( 2 ) Furnishers must update and correct information that becomes inaccurate.

Once GAP paid the remaining balance, Ally was required to update the account to reflect that no further payments were owed.

3. FCRA 623 ( a ) ( 8 ) Furnishers must conduct a reasonable investigation when a consumer disputes.

Ally has failed to correct the inaccurate late payment despite multiple disputes.

4. FCRA 602 ( A ) Credit reporting must be fair and accurate.

Reporting a delinquency on an account that was paid in full through GAP insurance is neither fair nor accurate.

5. FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy.

Allys reporting is materially misleading and damaging.

Facts of the Account Vehicle was totaled.

GAP insurance paid the remaining balance in full.

Ally accepted the GAP payout. 

No further payments were owed by me.

Ally is reporting a late payment after the account was satisfied.

The account has been closed for almost two years, yet the derogatory mark remains.

This late payment is not valid, not owed, and not legally reportable.

Company response to consumer: Closed with explanation