vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I initiated an international transfer from my bank in XXXX to my bank account in the United States through Wise ( Transfer ID : XXXX ). I am a long-standing Wise customer and have previously completed multiple international transfers, including transfers from XXXX ( XXXX XXXX XXXX ), without issue. After initiating this transfer, Wise requested identity verification. I fully complied and submitted all requested documents multiple times. Specifically, I provided all forms of government-issued identification available in XXXX : XXXX XXXX Drivers License - XXXX XXXXXXXX ( XXXX National Identity Card ) - XXXX Passport Despite submitting all required identification, Wise repeatedly rejected my documents for inconsistent and contradictory reasons, including : - Stating that my ID was not accepted, despite Wise documentation indicating otherwise - Claiming my face was not sufficiently visible, then later requiring submission without my face - Rejecting my XXXX National ID for lacking an expiration date, even though this document does not have an expiration date by design - Rejecting my drivers license for having been previously used for verification - Rejecting my passport as expired Additionally, I was given conflicting explanations for the transfer being held, including : - Identity verification issues - A previously undisclosed sending limit I complied with every request made by Wise, including repeated document submissions, yet the transfer remains suspended with no clear explanation, no consistent guidance, and no defined timeline for resolution. As a result, my funds are currently being held without clear justification or transparency. I am requesting : XXXX. Immediate confirmation of the location and status of my funds XXXX. Immediate completion of the transfer or full return of funds XXXX. A clear and consistent explanation of what is required, if anything remains outstanding XXXX. A review of Wises handling of repeated and contradictory verification requests This situation reflects failures in Wises compliance and customer communication processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a fraud dispute for unauthorized transactions made on a mobile application. On XX/XX/XXXX I sent a formal written request to the merchant demanding permanent account deletion per their Terms of Service. This request was ignored and purchases continued to be made on my account after that date. During the initial dispute call, the Wells Fargo representative incorrectly entered the dispute reason as dont remember this transaction despite me explicitly correcting him in real time. A subsequent representative confirmed the internal classification was updated however the incorrect reason remained visible on my end throughout the process. After 9 business days my claim was denied. The reason provided was that the transactions occurred through XXXX XXXX therefore they must have been authorized by me. This reasoning fails to account for the documented evidence that the account should have been closed prior to these transactions. I was provided an email address to submit supporting documentation however the claim was closed before that documentation could be reviewed. I have written proof of my XX/XX/XXXX deletion request, self exclusion requests, a full merchant conversation log spanning several weeks, and transaction records. None of this evidence was considered before the denial was issued. I am requesting a full review of this matter and that Wells Fargo be required to consider my supporting documentation before a final determination is made.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Capital One on my auto loan account.My vehicle was stolen in XXXX of XXXX, and I promptly filed a claim with my insurance company. Due to the claims investigation and processing time, there was a delay in the insurance payout. The vehicle was ultimately deemed a total loss and paid off in full by the insurance company.During this period, Capital One reported six consecutive late payments on my account. These late payments do not accurately reflect my financial responsibility, as the delay was caused by the insurance claims process following a theftnot a failure or refusal to pay.Under the Fair Credit Reporting Act, furnishers of credit information are required to report information accurately and fairly. Reporting these payments as late without considering the circumstances of a documented theft and pending insurance payout is misleading and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a new savor capital one credit card. I have XXXX other active credit card with them. After using my credit card for a short period, they restricted the card and it has been since XXXX. There was no fraud alert sent to me via text, phone or email. I called to ask why there is alert on my account and they told me they dont have to provide fraud alert notices. They refused to provide the date, time, and method of notification of the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
My Skrill card was used on XX/XX/year> at XXXX XXXX 's # XXXX XXXX XXXX, New York for {$46.00} when I live in Arizona and never been to XXXX XXXX nor do I use XXXX XXXX. I disputed the transaction but Skrill says that its consistent with previous transactions and is in my geographic location and refused to allow me to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Requested CD account to be closed on XX/XX/year> and money transferred to my checking account with the same bank. I have called multiple times and sent a notarized overnight letter. Everytime I speak to the supervisor team they say theyre going to call me back and email the Account Closure Exception Team, but they never call back.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a complete Loan Modification Request to Select Portfolio Servicing. The documents were sent via certified mail with return receipt to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. The return receipt confirms delivery on XX/XX/year>, signed for by XXXX XXXX. However, these documents were not uploaded or acknowledged in the system until XX/XX/XXXX, XXXX.In parallel, I attempted to upload documents through the SPS online portal beginning XX/XX/year>. The website repeatedly rejected uploads, requiring multiple attempts over several hours to successfully submit documents. This created unnecessary delays and barriers to timely completion of my application. Communication with SPS has been extremely poor, updates are not accurate or clear. Relationship managers do not respond to emails, despite advising borrowers to communicate through that channel. Application updates provided through the system are often unclear, inaccurate, or contradictory. Additionally, SPS repeatedly requested documentation that was either already submitted or not relevant. For example, a profit and loss statement was requested from entities that pay my husband ( an XXXX XXXX ), even after his own profit and loss statement had already been reviewed and accepted. I submitted multiple Letters of Explanation and spoke with several relationship managers, including XXXX XXXX XXXX XXXX. During my most recent conversation on XX/XX/year>, a XXXX XXXX XXXX confirmed that a prior XXXX had already clarified the XXXX requests and indicated that my file should be marked complete for processing. I was instructed to allow XXXX days for the system to update and reflect that the application was complete and under review. Instead, I received a foreclosure notice indicating that foreclosure proceedings would begin in XXXX days due to missing documents, despite prior confirmation that my file was complete. Based on this pattern of delays, inconsistent communication, and shifting document requests, I am concerned that SPS is intentionally delaying the processing of my loan modification application. Specifically, it appears these delays may be intended to allow time for a forbearance-related balloon payment to become due, thereby increasing the likelihood of foreclosure rather than properly evaluating my application. Additionally, SPS prematurely reported the balloon payment amount to credit reporting agencies while simultaneously reporting the existing mortgage balance. This resulted in the appearance of double the actual debt obligation, negatively impacting both my credit score and my husbands credit score. I believe these actions may constitute unfair, deceptive, or abusive practices, particularly given the significant equity in our homestead property and the apparent incentive to proceed toward foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

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

Company 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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NORTHWEST BANCSHARES INC
State: MN

Complaint narrative:
XXXX Here is the number of the last complaint. Northwest Bank in XXXX XXXX PA has taken money out of our accounts unauthorized, charged us late fees, caused other late fees with other banks from the theft and have take money out of other accounts unauthorized. Northwest response just says we are working on it. Its been 5 months and our money has not been returned. XXXX XXXX the compliance officer has been notified of this problem and has literally dont nothing to resolve it. The bank does not respond to emails and they always send us to voicemail when we call. We never get a call back and the bank does not want to correct there illegal errors on out accounts. She stated they corrected the late fees. As you can see here they did not. They caused the late fees with their own bank and another bank. I send an email that is attached XXXX XXXX did not respond.

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 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Ive been in a constant battle with XXXX Synchrony Bank, a bank that refuses to close a fraudulent account and wants to hold me responsible for it. Despite submitting numerous documents to from my attorney, including a phone bill showing that the account was close when they called to verify me, they continue to insist that I opened the account with them. They claim that I applied for the credit card using our address, which I have never associated myself with. My XXXX provided them with a lien search from a reputable company that showed that I have never purchased a property at that address or lived there. I need this credit card removed from my credit report, or we will have to take legal action against them. We will file a lawsuit to remove the account and seek damages for any financial losses I may have incurred.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I sent {$440.00} that was court ordered to XXXX XXXX on XX/XX/year> at XXXX. The transaction was completed meaning it went through. On XX/XX/year> we went to court and XXXX stated he didn't receive the money and that he cancelled his account in XXXX because of fraud on his account where someone took {$50.00} out of his account so he closed it. I'm not being told to pay {$440.00} again so I reached out to cashapp to get proof that the account is still active and was still active on the day I sent the payment. They stated yes it was still open and active and yes it was open and active currently. I asked for that to be sent to me in writing which they then said they can't due to security. I expressed to them that I'm not asking for anything extra but what was already verbally told to me and they did not help. I asked for a manager and they said they had to contact me through email which they still did not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
In XX/XX/year>, a collection account for approximately {$1400.00} was opened by Fair Collections & Outsourcing related to a prior lease. This lease was terminated due to a XXXX XXXX situation, and I am requesting review of the validity of the charges under these circumstances. In XX/XX/year>, I attempted to arrange a payment plan but was unable to afford the proposed payment of {$330.00}. This attempt does not waive my right to dispute the debt. After reviewing the account, I requested proper validation. The collection agency provided a copy of the lease agreement but has failed to provide documentation showing that they own or are authorized to collect this debt. They have stated that they do not own the debt, yet continue to demand payment and report the account. The agency is pressuring me to settle the account for {$1100.00} and has stated that deletion of the account is not possible. I disputed this account with XXXX, but the issue was not resolved and I was advised to file a complaint. I am requesting that the collection agency provide full documentation of their legal authority to collect and report this debt, as well as verification of the balance. If they are unable to do so, I am requesting that this account be removed from my credit report.

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a newcomer to the United States, having arrived on XX/XX/XXXX, from XXXX after being hired as a XXXX by the XXXX XXXX XXXX in XXXX. During the hiring process in XXXX, I traveled to XXXX multiple times. The XXXX XXXX XXXX covered my travel expenses and reimbursed me in the amount of {$2200.00} via a check ( attached ) dated XX/XX/XXXX, valid for deposit within 180 days issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time, I was still residing in XXXX XXXX and the check was issued with my XXXX home address. Because I did not yet have a U.S. bank account, I held the check until I permanently relocated to the United States, obtained my Social Security Number, and opened a checking account with JPMorgan Chase. On XX/XX/XXXX, with assistance from a branch manager, I deposited the check electronically using the Chase mobile app. The funds initially appeared as credited to my account. However, a few days later, Chase restricted access to my account and subsequently froze it, citing suspected fraud. I immediately contacted the branch and was instructed to communicate with the Fraud Department. Upon contacting the Fraud Department, I was informed that the account had been restricted for internal reasons and that the issuer of the check ( XXXX XXXX XXXX ) would need to contact them directly. On XX/XX/XXXX, my account was permanently closed, and the deposited funds have remained withheld by Chase Bank since that time. After significant effort, I was able to have the XXXX XXXX XXXX Payroll Department contact Chases Fraud Department and confirm the legitimacy of the check. Following this confirmation, I was informed that Chase would issue and mail a check to my home address for the full amount. However, this never occurred. Subsequently, I received a phone call from Chase advising me to visit a branch in person to retrieve the funds. After spending several hours at the branch, I was informed that the Fraud Department still retained control of the funds and that the branch was unable to issue a check to me. Despite multiple phone calls and in-person visits, no resolution has been provided. As a XXXX newly relocated to the United States, I rely heavily on timely access to my funds to meet essential living expenses. The withheld amount was intended to cover my initial costs of living, including housing and basic monthly obligations. The prolonged restriction of these funds has caused significant financial strain and disruption during a critical transition period. Additionally, resolving this issue has required multiple in-person branch visits and extended phone calls, often exceeding one hour per interaction, with no resolution provided. This has resulted in a substantial and unreasonable burden on my time and professional responsibilities. As of the date of this complaint, Chase continues to hold my funds without justification and without providing a clear resolution path.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citicard- They closed my credit card that I opened XXXX plus years ago for inactivity for when I had just used it a few months ago. When I called to get this corrected they required a new credit report. My account shouldn't have been closed- it's been in good standing for XXXX plus years.

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 2026-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
See previous complaint XXXX against CashNetUSA for details. This has now resulted in repeated harassing phone calls from an unscrupulous debt collection agency at number ( XXXX ) XXXX, including calls to my spouse and threats of legal action. A police report of both the fraudulent activity and the harassment has been filed with XXXX ( Texas ) Police Department. The case ID # is XXXX XXXX.

Company response to consumer: Closed with explanation