vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
I revoked authorization for electronic fund transfers from Dave in writing, citing the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005.10 ( c ) ).

Daves representative repeatedly statedincorrectlythat revocation of authorization does not apply to a single scheduled electronic debit and refused to honor the revocation, relying on internal policy and contract language rather than federal law.

Regulation E allows a consumer to revoke authorization for any electronic fund transfer scheduled for the future, including a one-time debit, at any time prior to the transfer occurring. Contract terms do not override federal law.

Despite clear written notice, the representative refused to confirm removal of payment authorization and ended the chat without resolving the issue.

I am not disputing the existence of the debt. I am disputing Daves refusal to honor my lawful revocation of electronic payment authorization and the provision of incorrect legal information by their representative.

I am requesting that Dave comply with Regulation E and cease any unauthorized electronic withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a payment of {$1700.00} to Procollect Agency toward a prior apartment balance. Before making the payment, I called the agency to verify the correct account number, and the representative confirmed the number I used.

Despite this, the agency is now claiming the payment was sent to the wrong account. I have proof of the payment and documentation of the verification call, but the agency has not applied the payment correctly or provided a receipt. 

I have sent multiple emails requesting written confirmation, but the agency has not responded. This issue is time-sensitive as I need proof of payment for housing verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried to contact MACYS several times about inquiries sitting on my credit report which I did not authorize nor initiate and filed disputes and the company refuses to remove it. I did not apply for a bank nor credit card with this company and they have an inquiry sitting on my XXXX  credit report. 
I am a victim of identity theft and have contact several banks about this already and this is the only one who has yet to remove the inquiries from my credit report. 
This is causing financial harm and distress. 
I have spoken with my husbands military legal lead and have been advised we will take legal action should this information not be removed. 

XXXX  inquiry dates : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX XXXX the online scammers targeted me ( a XXXXXXXX XXXX XXXX ) & scammed my savings account of {$6200.00} + XXXX transfer fee .i was weak with my health problems & they got me.but i was logged on to my discover account page & saw by accobt balace change wirh this deductin so i called discover phone line & was immediately transferred to fruad department & e investigation was started & i was told that a message was sent to receiving bank & that they will wait for a reply.afterward everytine i called teir reply was same that there in no update. Now i am finding from an attirney that the bank should ha recredited my accont for the stolen funds within 10 dayss & at max of 45 days. Bank did not inform me of my rights either. This a regulaion E dispute and i am deman credit under 15 US : ::1693f this is a vilation of EFTA regulation & the statute allows for recovery of my actual damages statutory damges & attorney fees if worse comes to worse .this is more serious becase these were my direct deposited social security funds so federal lawas apply to these funds too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/26 I received a call from a rep at Midland Credit Management who asked me to return the call about a " personal business matter ''. I have received their calls for an extended time and have bee on the Do Not Call list for awhile. At some point last year after repeated calls from them, I returned the call to their rep asking them the purpose of the call and they have been reaching out to me but they are looking for another person who I don't know. On at least XXXX occasions I have asked them to take me off their list, there is no one at this number for who they are looking for. The calls stop for a short time and then they start up again even if I block them. I suspect I will start getting several calls a week now as that is there pattern. 

Today, I did not return or answer the call and have blocked the number yet again. I am very frustrated they continue to reach out. As of today, I will maintain a log of the calls I receive to substantiate my claim of harassment. 

Thank you for your support and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2025, I attempted to wire the full balance of my Citi XXXX XXXX account to my brokerage account at XXXX XXXX XXXX. Immediately after the wire attempt, Citibanks fraud department closed my savings account without my request or authorization. 

On XX/XX/2025, I received an accountclosing notice stating that the remaining funds would be mailed to me within XXXX  days. The closing balance was {$30000.00}. 
More than 60 days have passed, and I have not received any funds. 

Over the past XXXX months, I have called Citibank customer service and the fraud department multiple times. Each time, I was transferred repeatedly between departments, including several transfers within the fraud department on a single call. No representative has been able to confirm : whether a check was issued when it was mailed where it was mailed whether it was returned or whether any disbursement ever occurred Some representatives claim the account now shows a XXXX balance but can not provide documentation showing where the funds went. No one has been able to initiate a check trace or provide any evidence that Citibank actually mailed the balance. 

I have also submitted a complaint to the OCC because Citibank has failed to return my funds or provide any traceable disbursement information. 

What I am requesting : I am asking Citibank to immediately confirm the status of the funds, provide documentation of disbursement ( including check number, date issued, mailing information, and tracking ), and return the full closing balance of {$30000.00} if no check was issued or if a check was returned undeliverable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around XX/XX/2025, I sent a XXXX payment in the amount of {$880.00} through Wells Fargo to an online auto parts seller for a vehicle part. The seller provided repeated shipping delays and ultimately issued a XXXX tracking number that never progressed beyond label created, indicating the item was never tendered to the carrier. 

After multiple follow-ups and no evidence that the item was shipped, I canceled the order on XX/XX/2025. The seller did not issue a refund, provide a refund confirmation, or supply proof that the item was ever shipped. 

I reported this transaction to Wells Fargo as a fraudulent goods-not-delivered transaction and opened a XXXX fraud claim. Despite requesting clarification, refund confirmation, and documentation related to the investigation, Wells Fargo only sent a letter stating that a duplicate claim was closed, without addressing the status or outcome of the original claim or providing any investigation findings. 

At this time, the funds remain unrecovered. The payment was induced by deceptive practices, the goods were never delivered, and I have not received meaningful information from Wells Fargo regarding how the claim was evaluated or why reimbursement has not been issued. 

I am requesting that Wells Fargo properly review this XXXX fraud claim, provide documentation supporting its decision, and issue reimbursement for the unauthorized transfer resulting from a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As a owner of a new company I opened a checking account with Wells Fargo, account XXXX, made a deposit in the branch, then a couple more deposits in the app, but after XXXX weeks WF decided to close my account when I called them the rep said that's because the last deposit made thru the app was not a clear check and looked altered so they have decided to close the account, asked what about the funds ( {$7900.00} at the time ) he assured me I'll receive a refund check 'we never keep anyones money '. 

Meanwhile I received a letter by mail that they made a decision on one of my checks deposited that I'm not eligible for a refund, that check was in the amount of {$7500.00}. 

After XXXX weeks I did receive a refund check of only {$480.00}. When called they transferred me to loss prevention and made it clear to me that this decision can not be reversed so they aren't sending a refund for this amount and keeping the funds to themselves. 

Well this is an outright theft company who a ) don't keep their promise and b ) stole my money without any reasonable explanation. For a new startup business like ours this theft has a deep impact on all areas of growth and potential. Right now I'm stuck and don't know how to move forward or what to do next - hoping CFPB can step in and help out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home was severely damaged by flooding during Hurricane XXXX, which was declared a Major Disaster by the President of the United States. Following this, my mortgage company offered a deferment plan. After the initial deferment period, they asked if I wanted additional time before resuming paymentsup to XXXX months. I requested XXXX months, explaining that I would be able to resume regular payments at that point. They agreed and assured me that the outstanding balance would be added to my loan and, due to the XXXX XXXX declaration, this would not negatively impact my credit. 
After granting the additional XXXX months, they amended the loan and incorporated the deferred balance, again confirming that this would not affect my credit. However, once the XXXX months ended and I resumed payments, they began reporting to the credit bureaus as if I had been late on paymentscontrary to their assurances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CFPB Complaint Draft Capital One Consumer Disclosure Refusal Your Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Company : Capital One Services, LLC Type of Complaint : Denial of Consumer Rights/ FCRA Issue Complaint Details : On XX/XX/year>, at XXXX PM, I called Capital One Risk Analysis to request my Consumer Disclosure under the Fair Credit Reporting Act ( FCRA ), including any internal consumer reports, account history, and risk notes used in making the decision to restrict or close my accounts. 

The representative I spoke with, XXXX ( no ID provided ), stated : I can not provide the consumer disclosure or the risk notes that were used in the decision regarding your account. 

I repeated the request to confirm understanding, and the representative confirmed that Capital One refused to provide the requested information. I did not argue or escalate during the call. 

Capital One has denied me access to information I am legally entitled to under the FCRA ( 15 U.S.C. 1681 ), which is needed to understand the reasons for account restrictions and any corrective actions I may take. 

I am requesting CFPB assistance to ensure Capital One provides my full FCRA consumer disclosure and any related internal risk notes as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding Allys handling of a payment extension on my auto loan and the contradictory information I was provided by multiple representatives. 
On XX/XX/year>, I contacted Ally to request a payment extension or payment arrangement due to financial hardship and ongoing stress related to a vehicle recall that I originally reported in XXXX. During that call, I was advised that I qualified for an extension and that the required documents would be available in my online portal that same day. 
The extension documents were not available on XX/XX/XXXX. When I logged into my portal on XX/XX/XXXX, the documents appeared, and I accepted them immediately. 
During the original call, I was specifically advised that I could make the required extension payment in XXXX separate payments, as long as the payments were completed by the stated due date of XX/XX/XXXX. Originally, I planned to make the full payment on XX/XX/XXXX. However, after learning that my husbands paycheck would be significantly lower than expected, I relied on the guidance provided by Ally and adjusted the plan by splitting the payment into XXXX installments, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
After receiving an email stating that my extension had been canceled, I contacted Ally again for clarification. During this call, I was told that I only had 10 days from the date the extension was provided to complete payment, which directly contradicted the guidance I had previously received. I was also told that if I made a payment that day, the extension would be accepted. 
Based on that representation, I made a payment in good faith. After the payment was successfully processed and confirmed, I was then advised that my extension still may be canceled.

This sequence of events is extremely concerning. I was explicitly requested to make a payment with the understanding that doing so would resolve the issue, only to be told afterward that it might not. This places me at risk of both losing my vehicle and losing additional money I would not have paid had I been told the extension was not going to be honored. 
I have screenshots confirming the date I accepted the extension documents and copies of the documents themselves. While the document references a 10-day timeframe, it was not accessible to me until XX/XX/XXXX, which is when I accepted it.

I believe Allys representatives provided inconsistent and misleading information, and I acted in good faith based on the guidance I was given at each step. I am requesting that this matter be formally reviewed and that my extension be honored without negative account impact, given the documented timeline and reliance on Allys instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX, the labor department deposited {$410.00} into my account. I started adding my cards to the Venmo app and it started giving me a message that my account was suspended out of nowhere. I contacted them and they said it was because I had three different accounts and they needed to consolidate them into one. Well it's the XXXX now and they are still giving me the round around saying they can't do anything. They said they had a special team working on it and they are the only people who can unlock my account. The only way to contact them is through email which I have been contacting by. I've provided all the information they've asked for and I'm still waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: TX

Complaint narrative:
Company : Missouri Higher Education Loan Authority ( Mohela ) Product : Student loan Issue : Incorrect information on credit report / Problems with credit reporting I am disputing two late payments reported by Mohela on my student loan account for XXXX and XXXX of XXXX. 

The account has been current ever since I was notified, and I have maintained on-time payments since then. 

Account number : # XXXX Reported late payment months : XX/XX/XXXX, XX/XX/XXXX Current status : Paid and current since [ XX/XX/XXXX I contacted Mohela in XXXXXXXX XXXX XXXXXXXX via phone and XXXXXXXX XXXX XXXXXXXX via certified Mail to request correction and/or goodwill adjustment. 
I provided documentation showing the account was brought current immediately after notification. 

Despite my efforts, Mohela has not corrected the reporting or provided documentation supporting the continued reporting of these late marks .I am requesting the CFPBs assistance to prompt Mohela to : Investigate this reporting ; Provide documentation supporting the late entries ; and Update/correct my credit file by removing these two late payment entries across all credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am disputing a wrongful foreclosure on my grandmothers property. The loan originated as a XXXX loan from XXXX XXXXXXXX XXXX XXXX recorded as a refinance with a payoff amount of {$0.00} but with a recorded lien of {$200000.00} claiming to cover a first and second mortgage. However, the first mortgage was fully paid off years earlier, and a Release of Obligation was recorded on the public record in XXXX showing that the original XXXX XXXXXXXX XXXX was paid in full for {$100000.00}. 

Select Portfolio Servicing ( SPS ), the current loan servicer, has failed to provide any proof of a valid second mortgage or documentation evidencing who received the payoff funds of {$190000.00} listed on the XXXX XXXX XXXX. The only documents SPS has provided are loan documents from XXXX XXXX with no proof of disbursement or funding of these amounts. The XXXX XXXX XXXX is false and unsupported by any evidence of actual disbursement, which is required under California Civil Code 2924.17. 

In XX/XX/XXXX, SPS offered a trial loan modification to stop the scheduled foreclosure sale set for XX/XX/XXXX. I made payments totaling {$4900.00} covering XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in good faith, believing these payments would secure the home during the ongoing fraud investigation. Despite these payments and my good faith efforts, SPS canceled the modification on XX/XX/XXXX and resumed foreclosure proceedings, setting a sale date for XX/XX/XXXX. 

This conduct violates several California laws, including : California Civil Code 2923.6 ( prohibiting dual tracking and requiring servicers to evaluate borrowers for loan modifications before foreclosure ) California Civil Code 2924.11 ( mandating single point of contact and prohibiting foreclosure while a complete loan modification application is pending ) California Civil Code 2924.17 ( requiring servicers to provide verified documentation showing the debt and chain of ownership ) California Civil Code 2924.12 ( prohibiting foreclosure if the loan is invalid or the servicer can not prove the debt ) California Civil Code 1550 ( requiring consideration in contracts ; this loan lacks valid consideration due to no proof of disbursement ) Elder Abuse statutes ( due to the impact on my grandmothers estate and financial harm caused ) SPSs failure to provide proof of a valid second mortgage, refusal to prove disbursement of payoff funds, wrongful cancellation of the trial modification after accepting payments, and proceeding with foreclosure constitutes knowing and willful misconduct, wrongful foreclosure, and slander of title. 

I request that the Department of Financial Protection and Innovation ( DFPI ) immediately investigate this matter, compel SPS to provide full verified documentation of the loan and disbursement, stop all foreclosure and collection activity, and assist in clearing the title.

Company response to consumer: Closed with explanation