vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX has withdraw money from my checking account at XXXX XXXX with my debit card XXXX. However, they did not send my money to my XXXX bank account in XXXX. Instead they hold my money and they said they will return in a week? but also they treat it as XXXX XXXX. They will register in their system and closed my account. I need to have refund the money to my XXXX XXXX account immidetely with in a day not a week. In addition I want to make sure it is not treat as Money Laundering and especially report to any financial agency because it is not true. I am in XXXX now and expect me to have phone number in the United States. Even I am in the US, I really do not think I am require to have a phone number. they also asked me when I return. I said unknown. I really do. not understand the it is treat as XXXX XXXX. Many Americans live overseas. If they are going to reject, they should ask this phone number and return date when applying for the money transfer which they did not. withdrawing my money and holding my money is stealing money and it is scam in a way. Recipient : XXXX XXXX XXXX Recipient 's bank : XXXX XXXX XXXX XXXX. THE Amount sent : XXXX USD Amount received : XXXX XXXX Send fee : XXXX USD Total payment : XXXX USD CONTRACT DETAILS Client Number : XXXX Contract Number : XXXX Contract Date : XXXX Email : XXXX SENDER DETAILS XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX US TRANSACTION SUMMARY Subject to our Terms and Conditions we have agreed to perform the following transaction. Payment Date : XXXX Available Date : XXXX Transfer Amount : XXXX USD Send Fee ( s ) : XXXX USD Transfer Taxes : XXXX USD Total : XXXX USD Send Rate : XXXX USD = XXXX XXXX Recipient Transfer Amount : XXXX XXXX Transfer Fees : XXXX XXXX Transfer Taxes : XXXX XXXX Total to Recipient ( XXXX ) : XXXX XXXX I even sent a copy of my passport, cash card with XXXX Bank, and US Drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my XXXX account got hacked and all my credit cards that were saved and tied to the account were used to make fraudulent charges. This includes my XXXX, XXXX and XXXX accounts. My main CC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Target XXXX Card CC ( XXXX ) I immediately contacted each of my credit card banks to report fraudulent charges and each of them removed the charges. They all determined that the charges were fraudulent except for my Target XXXX XXXX. They sent me a letter explaining that the chargeback was invalid and all charges are back on my account balance. The Target XXXX CC determined that an online purchase of {$390.00} from XXXX on XXXX XXXX was made and authorized by me, the cardholder for 2 tickets to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX' because customer info ( Name, phone number, email, billing address ) provided from the merchant matched my info that they have on file. Tickets were sent to my XXXX account but my XXXX was hacked and compromised. Purchase was not made by me and any emails from XX/XX/XXXX or prior was deleted by hacker. The XXXX XXXX in New York was for XX/XX/year>, I was currently in California at the time. They also mentioned they examined behavioral patterns, this charge was the first charge outside of Target. I used this card specifically for Target and nothing else, as soon as I saw this charge of {$390.00} I did not recognize I reported it and asked to block card and issue a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I applied for mortgage assistance in XX/XX/XXXX due to a medical XXXX, I was denied assistance Reason stated trial plan failed. I never had a trial plan. I requested documentation of this trial plan from Carrington but they are not able to provide any such trail plan agreement with my signature. I also requested is any trial plan documents were sent by certified mail, I was advised my XXXX XXXX that not trail plan documents were sent. Also I have informed delivery thru the XXXX with tracks my mail and we have not received any documents from Carrington.. I also can provide a sworn statement from the postmaster. That nothing was delivered to my address. The last documents I received was Carrington was in XXXX of XXXX which stated I was approved for a loan modification but I con not get them notorized due to incorrect information.. I returned the documents unsigned clearly noting the wrong information on a BRIGHT pink note attached. I also notified XXXX XXXX, the mortgage assistance dept XXXX XXXX and XXXX XXXX per their emails of the incorrect information and we urgently need new correct documentation so we can schedule a like substaining surgery for my wife. To the day my wife has not been able to have this surgery and has left her permanently XXXX We need the documents signed so we would know we had ample time for recovery with threats of foreclosure .. Carrington grossly failed to provide the need correct documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
This is an on going issue with XXXX. I have dealt with this collection XXXX times in the past XXXX years, and have had it removed from credit. Every time the debt is sold, i have to repeat. This debt is not mine, i have never been a customer of XXXX XXXX, I have never been associated with the address reported on the debt. I have addressed this issue with Jefferson Capital verbally. They have assured me it will be taken off, but hasnt. I have disputed the collection with XXXX and XXXX several times, returned as verified. There is no possible way this debt can be verified, it is not my debt, not my address, not even living in the state at time of said debt of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Its a charge on my account that I want to dispute. I tried to handle this with the company that charged my card but unsuccessfully. Its a charge for {$320.00} from XXXX XXXX. I was considering on getting services with them but changed my mind, I was supposed to have my money put back on my card and its been weeks I have no services at all with this business and I would love for my money to be put back in my account and this merchant to be blocked from charging my account in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XXXX of XX/XX/year>, I deposited a check of XXXX through mobile deposit into a Wells Fargo account and also deposited a check of XXXX on XX/XX/year>. Those checks came back as a charge to my account leaving my balance negative. According to Wells Fargo the check was deposited twice but failed to show who deposited the check the second time. Funds were not reimbursed to my account after filling a claim. I was told that they can not do anything about the situation.

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 2026-03-13 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Two charges from the Apple Card were made on my physical credit card. Apple Card is telling me it is authorized even though I disputed it and got a new credit card sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX account issued by Comenity Capital Bank and serviced by Bread Financial. I was recently contacted by a customer service representative requesting payment on my account. During the call, I explained that my XXXX XXXX card had been accidentally packed and shipped with my household belongings during a recent military PCS move. Because I did not have access to the card or my account number, I asked the representative for assistance recovering my account so that I could access it online and set up automatic payments to ensure my account remained in good standing and to avoid late fees. The representative refused to assist me in recovering my account or provide information that would allow me to access it. I was told that I would have to wait for a replacement card to arrive by mail before I could recover the account. Despite refusing to assist with account access, the representative continued to request that I make a payment. I asked to speak with a supervisor in order to resolve the issue. The representative refused my request and stated that I would not be allowed to speak with a supervisor. The call was then ended without resolving the matter. Following the call, I later received both a text message and email from the company again requesting payment. In order to avoid potential late fees or negative reporting, I proceeded with making the requested payment. However, I still do not have access to my account and have not yet received the replacement card. As a result, I currently have no ability to view my account balance, confirm how my payment was applied, verify my balance, or manage my account going forward. I am concerned that I was asked to make a payment while being denied reasonable access to my account information and the ability to verify my balance or payment history. As a consumer, I believe I should be able to securely access my account in order to confirm charges, verify payments, and manage my account responsibly. I am requesting that the company : Provide secure access to my account so I can view my balance, statements, and payment history Confirm that my recent payment has been properly received and applied to my account Review the conduct of the representative who refused assistance and denied my request to speak with a supervisor Ensure that I can access and manage my account without needing to wait for a replacement card I am attempting to resolve this matter in good faith and simply want to ensure that I have proper access to my account and that my payments are being applied correctly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 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: WA

Complaint narrative:
I am submitting this complaint because Capital One failed to properly document and investigate a fraud report related to my XXXX XXXX account. On XX/XX/year>, several unauthorized transactions were posted to my Capital One XXXX credit card account ending in XXXX. These transactions occurred in XXXX, Washington, and include the following charges : XXXX XXXX XXXX XXXX {$160.00} XXXX # XXXX XXXX {$33.00} XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX {$12.00} XXXX 's XXXX {$9.00} XXXX XXXX XXXX {$21.00} XXXX XXXX XXXXXXXX {$20.00} XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXXXXXX {$19.00} XXXX XXXX XXXX XXXX XXXX {$2.00} XXXX XXXX {$34.00} The total amount of unauthorized transactions was {$490.00}. I reported these transactions to Capital One immediately after discovering them and informed the bank that the charges were fraudulent. However, Capital One did not properly record the dispute and did not conduct a documented investigation. I also never received a written determination explaining how the bank evaluated the fraud claim. Because the bank failed to properly document and investigate my fraud report, these unauthorized transactions remained unresolved. I am requesting that Capital One review my account history and customer service records, reopen the fraud investigation for the transactions listed above, and provide written documentation explaining how the fraud report was handled. If Capital One can not demonstrate that a proper investigation was conducted, the unauthorized charges should be removed from my account along with any associated interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: AE

Complaint narrative:
am filing this complaint regarding an auto loan account reported by Consumer Portfolio Services with an alleged balance of approximately {$14000.00}. This balance is being reported as a deficiency after the vehicle was surrendered. However, I do not recall receiving a legally required Notice of Sale prior to the vehicle being sold. Under the XXXX XXXX XXXX, creditors must provide written notice before the disposition of repossessed collateral. This notice must include details about the sale of the vehicle. I have requested documentation from Consumer Portfolio Services including : Copy of the Notice of Sale Proof that the notice was mailed Documentation showing the sale price of the vehicle An itemized calculation of the alleged deficiency balance To date, I have not received this information. Without proper notice and documentation, the accuracy and legality of this deficiency balance are questionable. I am requesting that Consumer Portfolio Services provide documentation supporting the balance being reported or correct/remove the account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hello, Im contacting you regarding the XXXX account currently in collections under my name. The balance being reported is around {$500.00}, however my records show the correct balance should have been {$250.00}. I previously disputed this and the result came back as accurate, but I still have not received proper documentation explaining how the {$520.00} balance was calculated. At this time, I am formally requesting full debt validation, including an itemized statement from XXXX and documentation proving that I am responsible for the {$500.00} balance being reported. Under the Fair Credit Reporting Act, if the balance can not be properly validated with supporting documentation, the account must be corrected or removed from my record. Please provide the requested documentation or update the account accordingly. I would also like written confirmation of your response sent to my email for my records. Thank you.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Subject : Formal Demand for Reimbursement XXXX Fraud Claim / Regulation E Violations To the Executive Resolution Office : I am XXXX XXXX XXXX and writing to demand immediate corrective action regarding your banks improper denial of my unauthorized ATM withdrawal claim. In XX/XX/year>, approximately {$8000.00} was withdrawn from my account over multiple days through ATM transactions that I did not authorize. I reported the transactions immediately and filed a police report. Law enforcement has identified a suspect. ATM surveillance footage exists and can confirm that I was not the individual conducting these withdrawals. Despite this clear evidence, your institution : Denied my claim Falsely stated that I furnished my PIN ( I did not ) Failed to provide evidence supporting that conclusion Closed my accounts without authorization Failed to properly comply with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ) Under Regulation E, the burden of proof rests with the bank to demonstrate that a transaction was authorized. A mere assertion that a PIN was used does not establish authorization. The law requires a reasonable investigation and evidencenot assumption. As a XXXX consumer, this loss has caused significant financial and emotional hardship. The banks handling of this matter is particularly troubling given the vulnerability of XXXX customers and the existence of police-confirmed evidence. Accordingly, I demand the following within 10 business days : 1.Immediate reimbursement of the unauthorized withdrawals. 2.A complete copy of your investigation file, including all documentation relied upon in denying my claim. 3.Written explanation of the legal and factual basis for concluding I furnished my PIN. 4.Written explanation for the unauthorized account closure. If this matter is not resolved promptly, I will continue pursuing remedies through the Consumer Financial Protection Bureau and all other available regulatory and legal channels. This letter constitutes a final opportunity to resolve this matter without further escalation. Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX XXXX 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 explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The collection listed on my FTC report is fraudulent and does not belong to me. I do not recognize or authorize this collection. I demand you have this removed from my credit report immediately. CREDIT COLLECTION SERV Account : XXXX does not belong to me. This is fraudulent and does not belong to me it needs to be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint regarding my attempts to resolve several alleged debts currently being reported and serviced by Midland Credit Management. Since XXXX, I have made multiple good-faith efforts to contact this company to resolve and pay these accounts. My goal has been to settle the balances and close the accounts so that the matter can be resolved responsibly. Unfortunately, despite repeated attempts, Midland Credit Management has not provided meaningful responses to my communications. In addition to my attempts to settle the accounts, I have requested information verifying that Midland Credit Management has the legal authority to collect on these debts. To date, they have not provided sufficient documentation demonstrating ownership of the alleged debts or validating the accounts. I have asked for verification such as proof of assignment, documentation showing the chain of ownership of the accounts, and confirmation that the balances being reported are accurate. These requests have not been adequately addressed. I have also made a reasonable settlement offer in an effort to resolve the accounts in good faith. Despite my willingness to make payment and close the matter, Midland Credit Management has failed to respond to my settlement proposal or provide a clear path for resolving the debts. This lack of response has prevented me from addressing the accounts even though I am attempting to do so voluntarily. My concern is that Midland Credit Management continues to report and attempt to collect on these accounts without providing the requested verification or responding to my settlement efforts. As a consumer, I am attempting to responsibly resolve these matters, yet the companys failure to respond has made that impossible. I am requesting that the Consumer Financial Protection Bureau assist in obtaining the following from Midland Credit Management : Written verification that Midland Credit Management has the legal authority and documentation necessary to collect these debts. Documentation showing the chain of ownership of the accounts and verification of the balances being reported. A written response to my settlement offer or clear instructions on how the accounts can be resolved and paid. My intention is simply to resolve these accounts and ensure that any credit reporting is accurate and supported by proper documentation. However, my repeated attempts to communicate with Midland Credit Management since XXXX have gone unanswered, leaving me without a resolution. I appreciate the assistance of the Consumer Financial Protection Bureau in helping facilitate a response and ensuring that proper consumer protections are being followed.

Company response to consumer: Closed with explanation