vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I chatted with a XXXX XXXX ( XXXX ). I explained my current financial hardship - having to pay for car repairs, IRS tax return payments, housing costs ( rent increased ), federal loan payments, and other credit card debts. Sallie mae is expecting almost {$800.00} dollars for three different loans a month. I ended a financial hardship program in XXXX which only lasted for about 6 months and was interest only I believe. XXXX says that I have to wait another year until I am eligible again. I only take home about XXXX a year after taxes. 12 % of my income is expected to go to sallie mae. I am not saying I can't pay towards my loans at all each month I am just asking for a reduced monthly expectation and they will not budge. {$800.00} dollars a month compromises my basic living expenses. My total living expenses are around $ XXXX and this is not including food, gas and other debts I owe. I am terrified to be too behind on these payments as my mom is a cosigner and in financial hardship herself and I do not want to harm her in any way as these loans are my burden to bear. I also shared with XXXX I am working on moving home in the end of this year which will significantly help with housing costs. There was no work towards resolution on sallie maes end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

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

Company 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 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is regarding the unsatisfactory decision made on Bank of America with CFPB case # XXXX. They did not even look at or investigate the main issue of my complaint which was the unauthorized electronic transfer that was made from my savings account to my checking account. I asked them to retrieve the phone call that supposedly was made by me, since they're supposed to record all calls. They stated that they did not need to do that since that would not have influenced the decision! And that the checking account is where the money was transferred from and it was my fault for being scammed from my checking account. BUT the funds would not have been in the checking account for the scammers to steal if they were not illegally transferred from the savings account to the checking account. I was in shock when I saw they had done that! How did they access my savings account and know how much was in there to transfer? A bank employee? I hope not. But after much research and discussion with attorneys that specialize in this field, this specific telephone transfer, without my consent, does fall under the Electronic Fund Transfer Act and even some of California 's enhanced rules for XXXX XXXX like me ( I'm XXXX XXXX XXXX ). Reason given : " the activity is inconsistent with the customer 's known business profile, the bank can not verify a legitimate economic purpose for the sudden influx or outflow of large cash sums. Showing an ID only satisfies the Customer Identification Program ( CIP ) requirements ; it does not legitimize unusual, unexplainable, or suspicious funds movement. '' I never made telephone transfers! and my my entire savings account balance was {$16000.00} they left me with {$100.00}! It is not my fault that the bank has not kept up with modern technology that allows that to make immediate transfers that they are not able to stop, even when notified within a few hours!

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 2026-06-12 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: TX

Complaint narrative:
XXXX XXXX reference # XXXX disputed on XXXX XXXX! Wells Fargo have denied my claim on this matter against XXXX XXXX XXXX XXXX XXXX was not authorized for a purchased on an order for $ XXXX! I used another debit card! The order was cancelled at XXXX XXXX central standard time! Well Fargo received all my banking statements from the other debit card and my account at Wells Fargo showing same transaction but two different debit cards. My Well Fargo card shows a charge at XXXX XXXX XXXX and no one never picked up that order! No food was ever received delivered from XXXX XXXX A under that order XXXX I NEVER GOT THE FOOD! THAT WAS A THEIF BY A EMPLOYEE BUT NOT MY PURCHASE!

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 2026-06-12 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: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WE PAID A COMPANY TO REPRESENT US IN AN ISSUE WITH THE IRS. WE PAID THEM {$2200.00} FROM OUR ACCOUNT FOR THE SERVICES, FILLED OUT PAPERWORK 2 X AND NEVER HEARD BACK FOR MONTHS TILL WE FOUND OUT THE COMPANY WAS IN RECEIVERSHIP AND WAS BEING HANDLED BY THE XXXX. WE TRIED TO GET OUR FUND REFUNDED BY WELLS FARGO BIT WE WERE INFORMED WE HAD PASSED THE LIMIT FOR CLAIMING A REFUND. EVEN THEOUGH WE HAD NO IDEA THIS WAS GOING ON BEHIND THE SCENES, SEEMS UNFAIR WE ARE PENALIZED FOR SOMETHING WE HAD NO CONTROL OVER. DO YOU SEE ANY WAY WE CAN TRY WITH THE BANL TO GET THIS MONEY BACK... FOR US THIS IS A LOT OF MONEY TO JUST DISAPPEAR. ANY SUGGESTIONS GRATEFULLY RECEIVED THANKS

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 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: NH

Complaint narrative:
Harris & Harris debt collector continues to send texts to my estranged spouse regarding my debt with XXXX and offering payment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported my account for fraudulent transactions and asked for the account to be frozen. They assured me it was frozen, but they continued to allow transactions to come in and started charging me fees while I was trying to work through the fraud which had caused a release of my information and suddenly I started getting charges from places I never heard of. The bank continued charging me fees and taking my XXXX child 's XXXX checks despite being told not to and reporting it - a report was never made and i was never given copies. I opened a second account in an effort to stop the transactions from eating all my funds, and again, opted out of all overdraft protection and fees are now being charged to this account as well. I went to bed with a positive balance on XX/XX/XXXX that covered all the pending transactions and the next day, my account was overdrawn again but nothing new had come thru. Then I got charged overdraft fees. Then a transaction I had already reported twice as unauthorized was paid, too. Today, a credit for an unauthorized transaction was reversed, even though I can prove I never got the money back from the creditor. The amount of money this bank has cost me is astronomical. And they refuse to do anything about it to this day. They don't file reports that will get them in trouble. They don't take proper steps to address fraud. They are breaking the law by taking my child 's federally protected funds. They do not return phone calls or follow up. Even going into a branch does nothing. I was the victim of identity theft and fraud, and instead of helping me like they're supposed to, they put a XXXX mark on my name instead which has caused me financial and credit issues. They continuously charge fees for services I opted out of and pay charges i didn't authorize. I have been told by their phone representatives that they're authorized to take funds no matter where they came from and then not file the report I was making. This bank needs to be investigated thoroughly for their questionable and illegal practices.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NJ

Complaint narrative:
I initiated an international money transfer through Abound ( XXXX XXXX XXXX/ ) from my bank account to my own bank account abroad ( self-transfer ). The transaction was successfully debited from my account however, the funds have not been credited to my beneficiary account. It has now been more than 40+ days since the transaction was initiated, and the funds are still not received. I have contacted Abound multiple times, but I have not received a resolution or a clear timeline for when the issue will be resolved. I also contacted my bank, and they confirmed that the funds were successfully debited from my account. Transaction ID : XXXX & XXXX. XX/XX/XXXX & XX/XX/XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX XXXX XXXX XXXX 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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/year>, I purchased a complete sleep system from a merchant using Synchrony financing. The purchase included a mattress, foundation, and white-glove delivery/setup service for a total charge of {$3700.00}. On XX/XX/year>, the delivery could not be completed because the foundation was missing a required structural component. The delivery team was unable to assemble the foundation, removed the defective foundation components, and left the mattress on the floor. The white-glove setup service I paid for was never completed. The merchant acknowledged that the foundation was incomplete and spent weeks attempting to obtain a replacement part. During that time, the mattress could not be used as intended because the required foundation had not been delivered in usable condition. After repeated delays, I cancelled the entire purchase on XX/XX/year>, and requested return of the mattress. The merchant refused to accept return of the mattress because it had been unboxed, even though it was unboxed by the delivery team during the failed delivery attempt. I disputed the charge with Synchrony Bank. My first two disputes were categorized as quality concerns and denied on the basis that the merchant had addressed the issue. However, the product purchased was never delivered in usable condition. A third dispute was later categorized as " goods or services not received. '' A Synchrony representative documented that the bed had not been delivered in usable condition. Despite this, Synchrony denied the dispute, stating that I had received the merchandise because the mattress had been left in my home. Synchrony treated the mattress and foundation as separate items even though they were purchased together as a complete sleep system and the foundation was required for the mattress to be used as intended. The merchant itself acknowledged the foundation delivery failure and offered a full refund of the foundation. I am requesting CFPB assistance because Synchrony failed to properly investigate and evaluate the dispute as a goods/services not received claim and instead relied solely on the fact that the mattress was delivered. The dispute was not whether a mattress was delivered ; the dispute was whether the complete product and services purchased were delivered in usable condition.

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 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I am a XXXX veteran living on a fixed income, and M & T Bank 's unauthorized withdrawal of over {$360.00} has stripped away my essential household funds and casued immediate, severe financial hardship. M & T Bank executed an unauthorized multi-day ACH double draft from my external XXXX XXXX XXXX XXXX checking account. The authorized payment posted to my XXXX XXXX account on XX/XX/XXXX. An unauthorized second full payment was pulled on XX/XX/XXXX, forcing my checking account into a severe negative balance of over {$360.00}. When I called to resolve this financial emergency, M & T frontline misfiled the initial dispute, causing a 5-day system delay. Agents then falsely claimed they could not refund the stolen money because doing so would retroactively make my account 'late ' a clear violation of electronic billing standards. M & T has acknowledged the error via mail, but their systemic delays have left my household stranded in a deep overdraft since this debit occurred. I have been forced to file a Form 50 Unauthorized Debit clawback with my credit union. I am demanding a permanent correction of this billing glitch and immediate reimbursement for any resulting financial damages.

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 2026-06-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: UT

Complaint narrative:
XXXX Date of Complaint : XX/XX/year> Existing CFPB Complaint ID : XXXX ( filed against Sallie Mae ) Collector : XXXX Complaint Narrative : I have an open CFPB complaint ( ID XXXX ) regarding my Sallie Mae account. A debt collector, XXXX, has been contacting me by telephone in an attempt to collect on this account while my complaint is active. During XXXX 's first call, I explicitly notified their representative of my open CFPB complaint and stated my complaint ID ( XXXX ). I clearly requested that all future communication be conducted in writing only, not by telephone. Despite this explicit verbal request, XXXX called me again on or around XX/XX/year>. This is a second telephone contact after I had already invoked my right to written-only communication under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. I am filing this complaint because XXXX has failed to honor my communication preference and has continued telephone contact after being explicitly instructed not to. I am requesting that the CFPB : 1. Investigate XXXX 's continued telephone contact after my written-only request. 2. Ensure XXXX is directed to comply with my written-only communication request. 3. Link this complaint to existing Complaint ID XXXX for a complete record. I have sent a formal cease and desist letter to XXXX via certified mail and am maintaining records of all contact from their agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding Wells Fargo 's handling of my payroll check deposits, which has caused significant financial hardship. On XX/XX/year>, I deposited a payroll check from my employer, XXXX XXXX XXXX, into my Wells Fargo account. After accepting the deposit, Wells Fargo informed me that the funds would be available on XX/XX/year>. Based on this information, I relied on the bank 's representation that the funds would be accessible to cover my essential living expenses. Subsequently, Wells Fargo made a portion of the funds available and then reversed the transaction, causing my account to become overdrawn by approximately {$53.00}. I was later informed that the hold had been extended due to an " Account Was Not Found '' issue, and the availability date was changed to XX/XX/year>. My employer has provided me with a copy of the payroll check, including the sequence number, and has indicated that the check was valid. In addition, I received another payroll check from my employer on XX/XX/year>. Due to the ongoing issues with the first check, I attempted to obtain funds through other means. However, I had already endorsed the back of the second check by signing it, and I was unable to cash it at a local check-cashing establishment. As a result, I now have two payroll checks that I have been unable to access, despite these being wages I have earned through my employment. I am a person with XXXX and work hard to support myself. I live paycheck to paycheck and rely on my income to pay rent, maintain my cellular phone and internet services, and cover transportation expenses necessary for me to continue working. Due to these delays and the inability to access either of my paychecks, I have experienced substantial financial hardship and emotional XXXX. Managing these circumstances has been particularly difficult while living with XXXX XXXX disorder. I am requesting that this matter be investigated to determine whether Wells Fargo complied with all applicable laws and regulations governing check holds and funds availability, including whether proper notice was provided regarding the extension of the hold and the reversal of previously available funds. I also request that Wells Fargo provide a clear explanation for the actions taken on my account and review whether any relief or corrective action is appropriate given the hardship this situation has caused. I have retained copies of the deposit hold notices, the payroll check information provided by my employer, and documentation related to this matter, and I am willing to provide any additional information necessary for the investigation.

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