vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Perpay, Inc.
State: MD

Complaint narrative:
I purchased a laptop from Perpay under their installment payment program. The laptop arrived defective and would not power on out of the box. The indicator light flashes three times and the device is completely nonfunctional.

I immediately contacted Perpay and opened a return/replacement request on XX/XX/year>. I provided detailed troubleshooting steps including hard reset attempts, use of a new charger, reseating the battery and RAM, and photos of the device. Despite this, Perpay delayed the process by repeatedly requesting additional verification and did not provide a return label or replacement in a reasonable timeframe. 

On XX/XX/year>, Perpay confirmed that my return request had been processed and submitted, yet weeks later no replacement has been shipped and no refund has been issued. During this entire period, Perpay has continued to require active payments for a product that was defective on arrival and unusable. 

I have followed all instructions and acted promptly. Perpay has failed to provide either : A replacement laptop or A refund and cancellation of the installment agreement This prolonged delay while continuing to bill me for defective merchandise constitutes failure to deliver usable goods and unfair billing practices.

I feel I am being stalled while payments remain active, despite Perpay acknowledging the return.

What resolution are you seeking? 

Immediate cancellation of the installment agreement Full refund of all payments made Written confirmation that my account balance related to this order is zero Additional details Timeline : XX/XX/year> : Return request submitted for defective laptop XX/XX/year> : Perpay requested video verification XX/XX/year> : Perpay stated return was processed and submitted As of XX/XX/year> : No replacement, no refund, payments still active I have copies of the full support transcript and am prepared to provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened XXXX disputes on XX/XX/XXXX under the case number XXXX, because I returned the merchandize in person under the refund policy but the merchant never processed the refund to my debit card. I sent to the bank all the documentation ( inovice, refund receipt, email, voided voucher ) to support my case On XX/XX/XXXX I received a letter saying that XXXX of the XXXX transaction the claim was approved but the third one was refused. 
It doesnt make sense if the XXXX cases are under the same calim, same reason and same documentation. 
I reopened the case ( second review ) on XX/XX/XXXX, but until now I dont have any updates about the dispute.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I paid {$570.00} using my Wells Fargo debit card to a XXXX for residential window replacement services. At the time of payment, the XXXX provided a written invoice confirming the agreement and listing an expected completion date of XX/XX/year>. 

The agreed-upon services were never performed. The XXXX did not replace the window, did not schedule installation by the stated completion date, and did not provide any materials or labor toward fulfilling the contract. As of today, the window remains unrepaired. 

After XX/XX/year> passed without completion of the work, I contacted the XXXX multiple times to request that the service be completed. During these communications, the XXXX provided repeated explanations for the delay, including claiming he was hospitalized and later stating that the window measurements were incorrect and that a replacement had to be reordered. Despite these representations, no installation was ever scheduled or completed. 

After continued delays and lack of performance, I formally requested a refund of the {$570.00} payment. The XXXX did not issue a refund and has not fulfilled the contractual obligation. 

Because the service was not rendered, I filed a debit card dispute with Wells Fargo under the basis of services not provided. I submitted supporting documentation, including : Proof of payment The invoice showing the expected completion date Text message communications between myself and the XXXX documenting delays and excuses Photographs showing that the broken window remains unrepaired Although I authorized the original transaction, that authorization was contingent upon the XXXX performing the agreed-upon window replacement service. The merchant failed to meet the agreed completion date and has not delivered the contracted service. 

Wells Fargo denied my dispute on the basis that the transaction was authorized. However, my dispute is not based on fraud or lack of authorization. It concerns failure to provide contracted services. The banks denial focused solely on transaction authorization and did not address the documented failure of the merchant to render services as agreed. 

I later contacted Wells Fargo to request reconsideration of the claim. I was informed that the case could not be reopened because it was outside the dispute timeframe. 

This matter involves payment for services that were never rendered. Despite providing documentation demonstrating non-performance and attempts to resolve the issue directly with the merchant, Wells Fargo declined to properly investigate the services not provided claim and refused to reopen the case due to timing.

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 2026-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Our home at XXXX XXXX went in foreclosure due to XXXX XXXXXXXX acts of ex husband. He was ordered to pay the mortgage and he did not pay. Another order was filed to give me rights to speak to the mortgage company, Freedom mortgage but he did not give authorization. 

Divorced got finalized and I became a sole successor of the home at XXXX XXXX XXXX XXXX I sent proof of my succession of home through divorce and they still refused to send me loss and mitigation paperwork and continues to file an auction on my home. My home has equity and they are doing equity fraud and strip me and me children in safety and homelessness.

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 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I was in XXXX and online web site would not work, I called in a mortgage payment on XX/XX/year> for XXXX payment, I received a conformation code SN Servicing has reported late 30 days for XX/XX/year>. Conformation code XXXX. 
I called SnServicing and representative marked paid for XXXX on XX/XX/year>. In the past representatives have called and harassed me for making payments a few days before months end which is legal with a late fee. They said they would mark late which is false credit reporting. 
This action has impaired my credit by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: AZ

Complaint narrative:
I had filed XXXX separate disputes each containing more than XXXX transaction reason behind that was because some where still pending so had to wait to file disputes. 

Dispute # XXXX in the amount of XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Dispute # XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute # XXXX in the amount of XXXX DENIED ( I HAVE SUBMITTED XXXX REBUTTALS IN WHICH ALL HAVE BEEN DENIED ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX I submitted these claims and documents showing log ins from different cities that are in alignment with with the dates of the transactions XXXX from XXXX and XXXX from XXXX XXXX. While i live in Az. I even tell them my last transaction which you can locate to a XXXX XXXX XXXX XXXX in az. I also explained to them that I had a virus on my computer and had a breach and my system became compromised. Filed a police report. Pointed out that the merchants on the XXXX that are approved are also on the dispute that was denied. When I asked for the documentation for their decision I got all the same documents for all three disputes everything is exactly the same, even a screenshot from their website stating XXXX liability fraud protection, which is a bold face lie because here I am. I have had multiple supervisors state wow I dont understand why its being denied its clear as day!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: TX

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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
I am being charged {$670.00} from XXXX auto renewal. I have not used XXXX in over a decade. I did not know about an auto renewal.

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 2026-02-16 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: MN

Complaint narrative:
On XX/XX/XXXX, I discovered unauthorize transactions on my checking account via my debit card that is linked to my XXXX account. These transactions were made without my authorization and I immediately reported the fraud to Wells Fargo on the same day. 

There were 5 different transactions including : {$210.00} on XX/XX/XXXX {$99.00} on XX/XX/XXXX {$120.00} on XX/XX/XXXX ( XXXX was able to cancel this ) {$110.00} on XX/XX/XXXX ( XXXX could cancel this partially as some had already shipped. I was refunded {$46.00} ). 
{$150.00} on XX/XX/XXXX I immediately called XXXX because I was locked out of my account and they confirmed that my account had been compromised by an unauthorized party and cancelled any suspicious orders that hadn't yet shipped. They reversed any account changes made by the unauthorized party and disabled my previous account password. I had to go through verification to prove it was me calling and regain access to my account. XXXX also informed me that any items that had already been shipped could not be cancelled and would need to be refunded through the bank by submitted a claim for unauthorized charges. I have an email from XXXX with the steps they took dated XX/XX/XXXX. 

Once I had spoken to XXXX, I immediately called Wells Fargo and reported the fraudulent charges, had my card cancelled and a new one issued. This call occurred on XX/XX/XXXX and I received provisional credit. Recently I received several letters from Wells Fargo, dated XX/XX/XXXX, denying my claim for the following reasons : The card was in my possession at the time the claim was filed, you have not lost any devices that include a digital wallet, the disputed transactions occurred at locations or with merchants similar to normal card usage, transactions are similar to previous purchasing pattern, the shipping address matches you address on file. 

They informed me that they will reverse the provisional credit on XX/XX/XXXX. I have not and did not authorize any of these transactions to occur. 

I am requesting a full investigation under Regulation E ( Electronic Fund Transfer Act ) for these unauthorized electronic fund transfers. I also request that any reversal of the provisional credit be paused until the investigation is complete. The evidence from XXXX confirms these were a result of account takeover fraud, not legitimate transactions.

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 2026-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXXI am writing to formally request a reinvestigation of previously disputed charges on my Capital One Venture One  account. XXXXAccount: XXXX (Capital One Venture One)\nCase numbers: XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXTransaction Date: XXXX XXXX XXXXDisputed Amounts: XXXX and XXXX (Total of XXXX)\nMerchant: XXXX  XXXX seller-account deleted) XXXX XXXXReason for Dispute: Merchandise Misrepresentation (Not as Described)XXXX XXXX XXXX XXXX, submit this statement in support of my billing dispute regarding jewelry purchased on XXXX XXXX XXXX, totaling XXXX. The items were advertised as XXXX XXXX XXXX. After receiving the merchandise, I brought the items to a professional jeweler for evaluation. An acid test and meticulous  visual examination were conducted in my presence to determine gold content. The jeweler informed me that the items are not XXXX XXXX XXXX  and do not even meet XXXX or XXXX standards. No written documentation was provided at that time. However, I can provide the jewelers business information should you need to verify specifics.XXXXI attempted multiple times to resolve this directly with the seller and offered to return the items. The seller has not responded and has provided no return instructions.\nI continue to retain the items and remain willing to return them upon instruction.\nThis dispute is made in good faith because the merchandise was materially misrepresented at the time of purchase.\n\nDate of Testing: XXXX XXXX XXXXXXXX XXXXBusiness name: XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Additional overdraft fees were assessed on XX/XX/year> after I had already contacted Wells Fargo XXXX disable overdraft services XXXX requested assistance due XXXX  financial hardship. 

This indicates that the issue was not properly addressed XXXX  continues XXXX  cause financial harm. 

I have now fully XXXX overdraft services, yet fees were still applied. 

I am requesting : Full refund of all overdraft fees charged Confirmation that no additional overdraft fees will be charged XXXX of why fees continued after I requested assistance This is an ongoing issue XXXX  requires immediate resolution.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: FL

Complaint narrative:
STAFFORD GRP is falsely reporting on my credit. I have never had any accounts with them. Per my research STAFFORD GRP 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 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONALAC is falsely reporting on my credit. I have never had any accounts with them. Per my research REGIONALAC 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 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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, {$9600.00} was withdrawn from my bank account through CareCredit autopay. I recently opened this account and set up autopay only to avoid late payments. I did not intend to pay the full balance. The autopay was mistakenly set to full payoff without my awareness. 

No dental treatment has started and no services have been provided by the dental clinic. 

I am currently in the process of purchasing a home, and my closing date is on the XXXX of this month. These funds are urgently needed for my closing and must be returned to my account. 

Since XX/XX/XXXX, I have contacted both my bank and CareCredit multiple times requesting help and a refund, but no resolution or meaningful assistance has been provided. 

I am requesting an immediate refund or reversal of the {$9600.00} autopay withdrawal.

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 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
We entered into a logistics and shipping agreement for the transportation of XXXX XXXX  of gold. Under the agreement, we paid a total of USD XXXX covering shipping, handling, packing, and export tax charges. The logistics company confirmed receipt of funds and executed a signed collateral agreement as security for performance. 

Despite payment and contractual commitments, the company has failed to ship the gold as agreed. This constitutes a clear breach of contract. Furthermore, they are refusing to refund the funds paid and are also refusing to return or release the collateral pledged under the signed agreement. 

Prior to initiating the payment, we contacted Wise ( the payment platform used for the ACH transfer ) to confirm whether a chargeback would be possible in the event of non-performance. Wise confirmed that a chargeback could be processed if the logistics company failed to fulfill its obligations. Based on that confirmation, we proceeded with the transaction. However, after the breach occurred, Wise has not provided meaningful assistance in recovering the funds and has declined to reverse the ACH transfer.

We believe this matter involves misrepresentation, contractual breach, and potential fraudulent conduct. We respectfully request the Consumer Protection Bureau to investigate this case and assist us in : Recovering the USD XXXX paid for undelivered services. 

Securing the return of the collateral held under the signed agreement. 

Reviewing the conduct of both the logistics company and the payment intermediary in this matter. 

We are prepared to provide all supporting documentation, including contracts, payment confirmations, correspondence, and the signed collateral agreement. 

We urgently request your assistance in resolving this matter and preventing further financial harm. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation