vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had settlement for {$4700.00} on an {$11000.00}, the payment was XXXX XXXX monthly via XXXX, according to XXXX the first payment was XX/XX/XXXX when I stopped working with XXXX I initiated payment on XX/XX/XXXX ; however after that wells fargo refused to accept the continously payment rather introduced new settlement of {$3600.00} which I made XXXX payment of {$600.00} without paying attention. I called wells fargo to resolved the issue but there told me the first settlement was cancelled which there did not even communicated, I had asked reasons which there said that there was no payment made and I had call them multiple times since last year which there kept telling me that my account is under XXXX XXXX and even have the recording when I was talked to XXXX of the agent. It is very hard when no one that want to resolved the issue and mostly you get to spend hours on the phone over and over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the reporting of a 90-day late payment on my account with Aidvantage. I understand that the reporting may be technically accurate ; however, I am requesting a goodwill adjustment based on the circumstances surrounding that time period. During the time the account became past due, I was pregnant and placed on bed rest due to medical reasons. This created a significant disruption in my ability to manage my normal responsibilities. During that same period, I was also unaware that my repayment plan had ended, which contributed to the missed payments. This was not an intentional disregard of my obligations, but rather a one-time situation during a medically challenging time. As soon as I became aware of the issue, I took steps to bring the account current, and I have remained in good standing since. I take my financial responsibilities and credit profile very seriously, and I have worked hard to maintain good standing. This mark is currently impacting my ability to obtain financing for a reliable family vehicle, which is important for my household. I previously reached out directly to Aidvantage to request a goodwill adjustment, but received a response stating they are unable to make changes by law. I fully respect accurate reporting requirements ; however, I am requesting that my situation be reviewed more thoroughly as a one-time exception based on medical hardship and my otherwise positive payment history. I would be extremely grateful for your consideration. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide proper validation. Please provide the following : 1. The name and address of the original creditor 2. The full amount of the alleged debt, including any fees or interest 3. Copies of any documents bearing my signature showing I agreed to this debt 4. Proof that your company is authorized to collect on this debt 5. A complete payment history on this account 6. Proof that the statute of limitations has not expired Until you provide this information, you must cease all collection activity and reporting to any credit reporting agencies. If this debt can not be validated, I request that it be removed from my credit report immediately. All communication regarding this matter should be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am disputing {$3000.00} in unauthorized charges on my JetBlue Mastercard Account. The bank denied my fraud claim based on the false statement that " the card was in my possession. '' -The denial reason ( " card in possession '' ) is factually impossible as the card used for fraud was never delivered to me. Facts : I have been a customer since XX/XX/XXXX with a good payment history. -The bank mailed a replacement card to my address via regular, non-secure postal mail, which I never received. The fraudulent transactions were made on the new card number. I reported the fraud as soon as I became aware of it, about XX/XX/XXXX, stating which specific charges were fraud. I stated that the OLD card was not physically stolen. I clearly stated that I never had the new card The fraudulent charges were on the NEW card. As per the Fair Credit Billing Act I am not liable for fraudulent charges. The burden of proof lies with the card issuer to demonstrate that the transaction was authorized by the cardholder. They have failed to prove I received the card used for these transactions. Sending a replacement card via regular mail without secure delivery protocols creates a foreseeable risk of theft in transit, for which the issuer bears responsibility. Current Status : The bank has denied my claim and refuses to reverse the charges despite my clear explanation. -Their agent was unhelpful and provided inaccurate information. If the complainee continues to make false claims I will pursue this issue with the Attorney General 's office and through legal means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
In XXXX, I attended the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a for-profit school that the Department of Education subsequently fined {$180.00} million for fraud. I took out a federal student loan of approximately {$5000.00} {$5800.00} for an XXXX XXXX XXXX XXXX XXXX. XXXX went bankrupt in XX/XX/XXXX, and a XXXX federal court judgment was entered on behalf of over XXXX former students. In XXXX, the loan was consolidated at a balance of {$9000.00}. As of XX/XX/XXXX, the Department claims I owe {$22000.00} - more than four times the original loan amount. No explanation or payment history has been provided to justify this balance. I formally requested a complete payment and interest history from the original XXXX disbursement to the present, including all fees, interest accruals, and collection costs. The Department has not provided this information. I also filed a Borrower Defense to Repayment application based on XXXX 's documented fraud - fraud that the Department itself penalized with a {$180.00} million fine. On XX/XX/XXXX, the Department 's Default Resolution Group responded to my correspondence by denying only a forgery discharge claim, while completely ignoring : ( 1 ) my Borrower Defense application, ( 2 ) my request for a complete payment history, ( 3 ) the unexplained balance growth from {$5000.00} to over {$22000.00}, and ( 4 ) the Department 's own enforcement history against XXXX. The letter argued I " materially benefited '' from attending XXXX - a school the Department itself found guilty of systemic fraud. Additionally, the XX/XX/XXXX letter was sent to the wrong address, raising questions about whether prior notices were properly delivered. A significant portion of collection activity occurred while I was residing outside the United States ( XX/XX/XXXX - XX/XX/XXXX ), and I was not properly notified. I am requesting : ( a ) a complete itemized payment history from XXXX to present, ( b ) fair processing of my Borrower Defense application on its own merits, ( c ) correction of my mailing address on file, and ( d ) a halt to all collection activity pending resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Around XX/XX/XXXX I received a targeted offer of opening a new High Yield Savings account from Amex while I was logged into Amex and viewing my other accounts. The offer stated if I fund {$25000.00} and leave it there for 60 days, i would receive a {$500.00} bonus deposited into my account. I immediately clicked the " Sign Up '' targeted offer button on this page and opened a new account. I funded the full XXXX XXXXXXXX on XX/XX/XXXX. 60 days passed and I still did not receive the bonus. I then reached out to customer support ( ref # XXXX ) and they said I did not sign up the account with the bonus. This is false because I definetly clicked the bonus offer button, I would not have opened the account on my own any other way. I believe their tech is wrong/broken and if my account says I did not sign up with the offer, that is by fault of American Express not me. I was advertised the bonus and I clicked and signed up. They should be able to see if my account was targeted for the bonus during that time frame I signed up to cross reference that I was eligible for the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have several bank accounts that I bank with. I typically make my credit card payment from one of the bank accounts, but recently tried to make additional payments on my credit card, since Ive have large expenses, from two other financial institutions. After trying to make a payment to pay off my credit card from a third financial institution today, Capital One restricted my Capital One venture card. The payment was from my husbands bank account who called and verbally confirmed that he was the account owner with XXXX on the line and verified that he approved the payment next they asked me to call XXXX XXXX and XXXX XXXX XXXXXXXX to confirm the other two institutions that I send payments from after which I told them, I didnt have any additional time to stay on the line and asked if I could upload account statements. I then called back, confirming that I uploaded the account statement showing ownership and because of how XXXX XXXX XXXXXXXX and XXXX XXXX number their account my XXXX XXXX account does not match up with the XXXX XXXX XXXX checking numbers that send ACH payments. I tried to explain this to the fraud team, but they are not able to independently review individual situations and have to stick to their prompts and then try to escalate to a manager and they said there were no more managers. They are now holding my account hostage for no other reason other than not understanding how to read a XXXX statement that I processed a prior payment from. Theyve wasted a lot of my time on the phone today trying to verify my account ownership. Ive been a client of capital one for many many years and have never had to confirm ownership over the phone or via document of accounts that XXXX sending payments from. They wont accept my bank statement showing the payment that was made from XXXX, which is the XXXX XXXX XXXX company to Capital One because the account number does not match exactly and because the statement is from XXXX and not XXXX XXXXXXXX XXXX even though its a XXXX XXXX XXXXXXXX company. After I called back and tried to reconcile my account number at XXXX they said its going take up to 10 business days to review the documents and that my account will be restricted until then. I asked if we could call to confirm as we did with my husbands XXXX account and they denied that opportunity. They are restricting my account for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX at XXXX XXXX my direct deposit hit my cash app account in the amount of {$2800.00} XX/XX/XXXX at XXXX XXXX a new device logged into my account near ID using an android. I live in SC and use an XXXX. This individual then buys {$2600.00} in XXXX on XX/XX/XXXX at XXXXXXXX XXXX Did a bitcoin withdrawal of {$2500.00} on XX/XX/XXXX at XXXX XXXX Received a payment of {$330.00} from someone I have never met XX/XX/XXXX at XXXX XXXX Another XXXX buy for {$370.00} XX/XX/XXXX at XXXX XXXX Another bitcoin withdrawal for {$360.00} XX/XX/XXXX at XXXX XXXX Received another payment of {$700.00} from someone I have never met XX/XX/XXXX at XXXX XXXX Bitcoin buy for {$700.00} XX/XX/XXXX at XXXX XXXX Bitcoin withdrawal {$680.00} XX/XX/XXXX at XXXXXXXX XXXX Received another payment of {$100.00} from someone I have never met XX/XX/XXXX at XXXXXXXX XXXX Bitcoin buy for {$100.00} XX/XX/XXXX at XXXX : XXXX XXXX Bitcoin withdrawal {$94.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX Received another payment of {$990.00} from someone I have never met XX/XX/XXXX at XXXX XXXX Bitcoin buy for {$1000.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX Bitcoin withdrawal for {$980.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX All while I was asleep. I immediately opened a case with CashApp and was told I would hear something from the investigations team in 10 business days. We are now on business day 17 with XXXX updates or assistance from CashApp, this is a very clear case as I have never once purchased bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Transworld Systems , Inc. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Transworld Systems , Inc owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Transworld Systems , Inc to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding its handling of a dispute involving a Zelle transaction for services that were never rendered. On or about XXXX XXXX, I authorized a Zelle payment in the amount of {$360.00} to an individual for agreed-upon services. While the transaction itself was authorized, the recipient failed to provide the services as promised. Since XXXX XXXX, I have made repeated and documented attempts to resolve this matter directly with the recipient ; however, all efforts have been unsuccessful. As a result, I contacted XXXX XXXX XXXX XXXX XXXX to dispute the transaction and request assistance. My claim was denied solely on the basis that the transaction was authorized. This response does not adequately address the nature of the dispute, which is based on the failure of the recipient to fulfill a service agreement. The credit union did not appear to conduct a reasonable investigation into the underlying issue of non-performance, nor did it provide meaningful guidance or support in resolving the matter. I am concerned that this handling reflects a broader failure to provide adequate consumer protection in electronic fund transfers facilitated through Zelle. While I understand that Zelle transactions are typically treated as authorized payments, this should not eliminate a financial institutions responsibility to evaluate disputes involving clear cases of services not rendered. Additionally, the lack of recourse provided raises concerns regarding fairness, transparency, and adherence to reasonable standards of consumer protection expected of federally regulated financial institutions. I respectfully request that the Consumer Financial Protection Bureau review this matter and require XXXX XXXX XXXX XXXX XXXX to : Conduct a thorough and good-faith investigation into my dispute, including consideration of the recipients failure to provide services Provide a detailed explanation of the basis for denying my claim beyond the classification of the transaction as authorized Reassess my case for potential reimbursement of the disputed amount : $ [ insert amount ] Clarify what consumer protections, if any, are available in situations involving non-delivery of services through peer-to-peer payment platforms I am prepared to provide supporting documentation, including records of communication with the recipient and evidence of my attempts to resolve this issue. Thank you for your attention to this matter. I look forward to your review and assistance in ensuring a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

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 XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - 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 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
am filing a complaint regarding funds owed to me after my Credit Karma Spend account was closed on XX/XX/2026. A check for approximately {$4000.00} was issued after the account closure and mailed to an old address without my knowledge. I did not receive the check, and it was later confirmed that the original check was never cashed. Since that time, I have contacted customer support multiple times, verified my identity, and provided my correct mailing address on XX/XX/2026. I was informed on several occasions that my case had been escalated and that a replacement check would be issued within specific timeframes. However, months later, I still have not received my funds or a confirmed issuance date. The continued delays and lack of clear communication have placed me at risk of losing my housing. I am requesting immediate reissuance of my funds and confirmation of when the payment will be mailed. I am seeking prompt resolution and accountability for the delay in returning my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a Capital One credit product and was denied with the stated reason : unable to verify identity. This determination is inaccurate and has not been properly explained. During the application process, I fully complied with all verification requests and submitted complete documentation, including valid government-issued identification. Despite this, Capital One did not identify any specific issue or deficiency with my documents and has been unable to explain what aspect of my identity could not be verified. This is particularly concerning because I currently maintain XXXX active accounts with Capital One, all in good standing. My identity has already been verified multiple times through these existing accounts. The denial reason is therefore inconsistent with my established relationship with the institution. Additionally, I have a strong credit profile with a high XXXX XXXX. Capital One performed a XXXX inquiry as part of this application, which has negatively impacted my credit. This impact occurred despite the application being denied for a vague and unsupported reason. I have contacted Capital One multiple times seeking clarification, but no representative has been able to provide a clear or specific explanation. The lack of transparency and inability to resolve the issue raises concerns about their identity verification process and internal controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I tried resolving the debt I have a court order showing where XXXX not legally responsible for the debt except for {$500.00} dollars but my ex husband is because it was his apartment and I wasnt there we was separated but somehow my name was on it and in our divorce he was ordered to pay the debt and never did and when I called them they said I can pay my part but Ill still owe the remaining balance I would like to pay my {$500.00} and have this account deleted from all credit bureaus like the court order state

Company response to consumer: Closed with explanation