vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX th I tried to use my Wells Fargo checking account to buy some cryptocurrency from XXXX for a total of {$1000.00}. When I first tried to buy they stopped the transaction from happening. So called them they said ok redo the purchase we will let it go through. I had also called XXXX to make sure they hadn't stopped it. So resubmitted it and then XXXX XXXXeclined transaction. So. They said try it again. So I tried it again and it said it was pending on Wells Fargo side so called XXXX XXXX see why I didn't receive funds they they stated well it is pending you have to wait for it to clear then we will credit your account it can take XXXX business days. So I am waiting and checking and waiting. So day XXXX I start asking XXXX where funds are and they said well it is still processing. So call bank as them about it. They said no we sent it it cleared on the XX/XX/XXXX. So days go by and I keep asking crypto why I haven't received my funds. On the XXXX th business day crypto.com starts stating they have not received the funds. And I need to send transaction history of where the funds went. At this point I am over it done just want the {$1000.00} back. So go to bank get into that XXXX wanted. So start stating I just want the money back to both wells and crypto. So on day XXXX XXXX says they still haven't received money but they are escalating it. Well then thy start asking do you want the & XXXX and we will give you the crypto currency. State hust want money back. They said ok will get it handled. So next day still no crypto or deposit in my account. So finally talk to someone at XXXX XXXXXXXX this guy says I will make sure it gets refunded today. Well next day still nothing. So I go to Wells Fargo and file a dispute and explain situation. They say no problem and at this point think finally got my money back. Well they send a letter a couple days later that they can't do anything that XXXX XXXX XXXX XXXX XXXX party financial institution and can't do anything to get funds back. So I contact XXXX They said the funds are waiting for XXXX XXXX to get back and to just deal with then. So after receiving denial letter I go back into Wells Fargo asking why they denied the dispute So then XXXX and I put in a complaint about the dispute being denied that complaint number is XXXX. I have not received any communication on that either. I have never heard of a bank not being able to handle a dispute. I would have been happy receiving the crypto or the bank just getting it back to my account.

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/2023 I visited my local MoneyGram which is located in XXXX. Made a payment of XXXX $ to Department of Revenue for child support in Florida. On XXXX XXXX the Department of Revenue in Florida sent the money back by check which the check number was # XXXX due to my account with the Department of Revenue not being completed and fully finalized. The check was sent to XXXX XXXX XXXX XXXX, XXXX which is MoneyGram 's P.O. box not my address which is in Florida. On XX/XX/2023 the check was cashed in Minnesota by someone in MoneyGram cause it wasn't me. I've recently reached out to MoneyGram about a month ago and was given a case number which is # XXXX. When I reached back out to MoneyGram to get information about the case they said an email has been sent to you. XXXX never received an email and when i ask them to share what email they have on file to me they wont. But they did the money was refunded bank in XX/XX/2023 to my bank. Which i had XXXX XXXX at the time and have my bank statements to show no refund was given to me. So at this point they don't want to help and keep giving me the run around i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CA

Complaint narrative:
-- I am very dissatisfied with Capital Ones response and request that the CFPB reopen or further investigate this complaint. Capital Ones explanation completely ignores the key facts of my case. In XX/XX/year>, I was scammed by a fraudulent company that promised to build an XXXX store. They took XXXX of dollars from my Capital One credit card and never delivered any store, any products, or any revenue. I received nothing of value. When I immediately contacted the scammers, they refused any refund or assistance. I clearly informed Capital One that I am XXXX XXXX XXXX ( XXXX unable to enter contracts ) and that I had been let go from my job due to XXXX XXXX treatment. I requested a hardship accommodation, including a reduction in interest charges and help with this fraudulent debt. Capital One has refused every request for assistance and has provided no meaningful relief. Their response fails to address : - The fraudulent nature of the charges - My documented XXXX and XXXX inability to contract- My serious medical hardship ( XXXX XXXX ) ; XXXX - Any options under Capital Ones own hardship or victim assistance programs This debt is not legitimate, and Capital Ones refusal to help a XXXX veteran who was scammed is unacceptable. I ask the CFPB to require Capital One to provide a full refund of the fraudulent charges, waive all interest and fees, and close this account without negative credit reporting. I have attached additional supporting documents [ if you attach any : medical records, scam communications, prior emails with Capital One, etc. ]. Thank you. XXXX XXXX Complaint Number : XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : XXXX Subject XXXX Request for Debt Validation Under FDCPA Dear Sir or Madam, I am writing regarding the alleged account your company is reporting and/or attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute the validity of this account and request that you provide the following : 1. The name and address of the original creditor 2. The original account number 3. A complete itemization of the alleged balance 4. Copies of any signed agreements or contracts bearing my signature 5. Proof that your company has legal authority to collect this debt 6. Documentation showing chain of assignment or transfer of ownership 7. Proof that the debt is within the applicable statute of limitations Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations in connection with collection activity. Reporting inaccurate or unverifiable information to consumer reporting agencies may constitute a violation of federal law. Until proper validation is provided, you must cease collection activity and cease reporting this account pursuant to 15 U.S.C. 1692g ( b ). If you can not provide competent evidence validating this debt, I demand immediate deletion of all references to this account from all consumer reporting agencies. Please note that this correspondence is not an acknowledgment of liability, nor permission to restart any statute of limitations period. I request all future communications be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX ( MCM ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Regulation F ( 12 C.F.R. Part 1006 ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. MCM sent me a collection email regarding MCM Account # XXXX, associated with an alleged original account ending in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX ), claiming I owe {$960.00}. I am a consumer as defined under 15 U.S.C. 1692a ( 3 ). This debt is disputed in its entirety. Upon reviewing the notice, I identified the following violations : 1. OVERSHADOWING ( 1692g ( b ) ) : MCM 's email opened with " Set up a payment plan in 5 minutes '' and presented multiple payment links before any disclosure of my right to dispute. This overshadows my validation rights. 2. NO VALIDATION NOTICE ( 1692g ( a ) ) : The notice did not clearly state my right to dispute within 30 days, my right to request written verification, or my right to obtain the original creditor 's information. A vague reference to a " previous letter '' does not satisfy 1692g. XXXX. UNVERIFIED BALANCE ( 1692e ( 2 ) ( A ) / 1692f ) : MCM stated {$960.00} with XXXX itemization no principal, interest, fees, or post-charge-off charges were disclosed. I can not verify this amount. 4. DECEPTIVE LANGUAGE ( 1692e / 1692e ( 10 ) ) : MCM used phrases like " tailored solutions with our MCM experts, '' framing debt collection as a customer service experience, which is misleading under the FDCPA. 5. INEFFECTIVE MINI-MIRANDA ( 1692e ( 11 ) ) : The required debt collector disclosure was buried at the bottom after all payment solicitations, rendering it functionally invisible. 6. NO TIME-BARRED DISCLOSURE ( Regulation F 1006.26 ) : No disclosure was made regarding whether this debt is past the statute of limitations, as required by Regulation F. 7. NO CHAIN OF OWNERSHIP ( 1692g ( a ) ( 2 ) ) : MCM claims ownership but provided no bill of sale, assignment record, or documentation establishing its legal right to collect this debt. 8. FCRA FURNISHING ( 1681s-2 ( b ) ) : If MCM is reporting this account to any credit bureau , furnishing an unverified, unitemized, and disputed balance may constitute inaccurate reporting. I have submitted a formal dispute letter and sworn Affidavit of Truth to MCM documenting all violations. Both documents are attached to this complaint. I am requesting that the CFPB investigate MCM 's practices, require full debt validation, and direct MCM to cease collection activity and correct any inaccurate credit reporting on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out about this mess when I applied for a warehouse job. They ran my TransUnion report and said " we'll call you. '' They never did. I pulled my report and there was XXXX XXXX for {$60.00}. Never heard of them. Never got a letter, call, nothing. Just poof on my report like a ghost. I googled them and found out they have NO LICENSE to collect in Florida where I live. Checked the XXXX databse myself. " No matches found. '' So an unlicensed compnay from Georgia is sitting on my TransUnion report ruining my life. My score dropped over XXXX points. I lost a job opportunity. I got denied for a {$500.00} secured card. My rent went up {$200.00} a month becuase I don't qualify for good credit rates anymore. That's {$2400.00} a year out of my pocket for something thats not even mine. Had to pay {$600.00} just to get electricty turned on. The lady said " creddit score issue. '' I knew exactly what she meant. On XX/XX/year> I mailed TransUnion a certified letter telling them all this. They got it. I have the reciept. Under the Fair Credit Reporting Act they had 30 days to investigate and delete bad info. They did nothing. They just kept the tradeline up there. They never even bothered to check if XXXX XXXX was licensed. Never checked if I actually owed this. Just rubber stamped it and kept reportd it.

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 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Bridgecrest. I previously disputed this account with XXXX, XXXX, and XXXX, but the account was verified without proper proof of accuracy or complete documentation being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding Chase Banks denial of my fraud claim involving scam-induced XXXX transfers and unauthorized transactions connected to my accounts. I was manipulated by scammers into sending money through XXXX under false pretenses. These were not legitimate or intended payments. The transfers occurred as a direct result of fraud and deception. The losses include : * Approximately {$4900.00} sent through XXXX, * Approximately {$800.00} withdrawn through XXXX XXXX connected to my Chase account, * And approximately {$900.00} removed from my XXXX XXXX balance. The total financial loss is approximately {$6700.00}. This happened on Thursday XXXX and Friday XX/XX/year>. During the scam, the fraudsters provided fake case reference and cancellation numbers for the transactions in order to convince me that the transfers were legitimate, protected, or reversible. These false reference numbers were part of the deceptive scheme used to manipulate me into sending funds. The scammers used various names, contact information, and fraudulent reference numbers during the scheme. I am providing the available identifying information and transaction details as supporting documentation for investigation purposes. XXXX XXXX and XXXX XXXX. Contact information XXXX After I reported the fraud to Chase Bank, my claim was denied on the basis that the transactions were authorized. However, these transactions were induced through scam activity, deception, and fraudulent manipulation. I also contacted XXXX and was informed that the scam/fraud activity associated with the recipient had been flagged and communicated to Chase Bank XXXX Despite these fraud indicators, Chase denied my claim without adequately addressing the flagged fraud activity. I respectfully request : * A full reinvestigation of my claim, * A written explanation regarding the XXXX fraud flag, * Copies of the evidence relied upon in denying my claim, * And reconsideration of reimbursement based on the fraudulent circumstances surrounding these transactions. This situation has caused significant financial hardship and emotional distress. I respectfully request that this matter be escalated and reviewed thoroughly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX I was victim of a scam. A person impersonating a USAA rep moved money from one account to get me to deduct it, USAA failed to comunicate fairly with me, everytime I wpuld call them it was a different person, I asked for pne person only to take a look at ALL my accounts and transactions, now the checking account is overdrawn for money that it never had anyway and USAA is expecting me to pay this. Communication has been awful and absolutely no protection for members??

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a fully verified PayPal account that includes my full name, DOB, address, phone number, email, SSN, facial scan, copy of my passport, linked bank account, and linked debit card. Recently, I received a payment that PayPal originally put on a 7 day hold, despite the buyer already acknowledging they received the services without any issues. Then I received an email saying they requested more information about the transaction, which I provided. Upon doing this, I received another email almost instantaneously saying my account was permanently limited with no explanation. I am now unable to access my funds or use PayPal. I believe this is a very serious issue with their AI that falsely limited my account for no reason. I've provided everything PayPal requested. This transaction is for a service PayPal permits and I provided proof the buyer ordered it and we delivered it without any issues. PayPal has falsely limited my account and is restricting me from accessing my funds. If this is not resolved immediately, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am filing a formal complaint regarding the conduct of a debt collector/loan servicing representative in connection with my private student loan account serviced through MOHELA. I previously provided written notice requesting that all communications be limited strictly to my personal phone number and/or email address. Despite this written request, representatives associated with this account repeatedly contacted multiple members of my family including leaving voice messages that they were not authorized to do so. These third-party contacts caused unnecessary distress, disruption and occurred after I had already clearly instructed that all communication be directed only to me. When I spoke directly with the representative handling my account, the interaction became very unprofessional and hostile. The representative raised her voice, laughed at me during the conversation, spoke in an aggressive and verbally inappropriate manner and ultimately disconnected the call while I was attempting to resolve my concerns. Additionally, the representative refused to clearly and transparently identify herself. When asked for her name, she stated that she had already provided an ID number rather than repeating her name. When I again requested clarification, she repeated the identification number quickly and in a manner that was difficult to understand or accurately record. Based on a voicemail left for me, I believe the representative 's first name may have been XXXX, and the ID number may be XXXX, though I can not fully confirm this due to the unclear and evasive manner in which identifying information was provided. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ) and applicable New York consumer protection and debt collection regulations, including prohibitions on harassment, abusive communication and improper third-party contact after a written communication restriction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
On XX/XX/year>, we had a massive water leak in our home. We were displaced from our home due to damage. We made a homeowners claim. That claim ended up being {$78000.00}. Due to the claim being greater than {$40000.00}, our mortgage company was also listed as a payee on the check. So we had to send the check from the insurance company to our mortgage company for them to XXXX out the money. And this is where the problems started. We waited approximately 30 days to receive the initial payment of {$40000.00}. We then had to schedule an inspection so that the mortgage company could come and ensure that the money we were given was going towards home repairs. It took XXXX attempts with the mortgage company to set up the inspection. The first time they said they did not get the request. The second time, I guess they got the request. The inspector contacted me himself to set up the inspection. It took him approximately 10 days to get the appointment set up and get to my house for the actual inspection. His name was XXXX XXXX and his company is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX He did nothing but tell us that we did the project wrong, we shouldve hired him, trying to sell us on him. He came, did the inspection, and we were released another {$5000.00} which was in XXXX. It is now XX/XX/XXXX, and we have not received the remainder of our claim which is {$24.00}, XXXX. My husband scheduled another inspection ( 3 times ) the third time, they finally sent XXXX. XXXX then put in the wrong claim, stating that we were 80 % done with out project when in reality we were 98 % done. My husband spoke to the mortgage company today and they have yet to release the remaining funds. we have laid out close to {$25000.00} of our savings to complete this project. The mortgage company wants 100 % completion but they dont want to release 100 % of the money THAT BELONGS TO ME!! This is NOT THEIR MONEY. This has been going on for XXXX months. In addition, we were supposed to see our funds in an escrow account on our online account and we have never been given access to that. This is the XXXX mortgage company. Nothing is done in a timely manner. They tell you all kids of different stories. No one knows what is going on there. Please help!!!

Company response to consumer: Closed with explanation