vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: GA

Complaint narrative:
I am filing a complaint regarding a billing and service issue involving Capital One Travel. 

On XX/XX/year>, I purchased XXXX bundled round-trip airline tickets through Capital One XXXX for {$630.00} per passenger, intentionally selecting the higher-priced Mais Azul fare for both passengers ( XXXX Brazilian airline ). A cheaper basic fare priced at {$540.00} was available, which I did not select. 

On the same day, I received the booking confirmation. After reviewing the issued itinerary, I identified that only the return flight was issued under the Mais XXXX fare, while the outbound flight ( XXXX ) was issued as a basic fare, without the benefits associated with the fare I purchased. The tickets were purchased as a single bundled round-trip transaction, with no separate pricing breakdown for each segment. 

Because the fare purchased was not honored as advertised, I will be required to pay additional mandatory fees for checked baggage and seat selection on the outbound flightservices that should have been included in the fare I intentionally selected and paid for. 

The charge itself was processed correctly ; however, the service delivered does not match the fare that was advertised and purchased. This is not a voluntary downgrade or a change of mind. 

The estimated financial impact exceeds {$500.00} when considering the fare difference and mandatory add-on fees for XXXX passengers. The trip has not yet occurred, and I attempted to resolve this matter in advance to avoid unnecessary financial loss. 

On XX/XX/year>, I contacted Capital One Travel by phone and spent approximately XXXX minutes on a call recorded by the company attempting to resolve this issue. Capital One Travel acknowledged the discrepancy and offered a {$100.00} travel credit as a goodwill gesture ; however, this amount does not cover the actual financial loss or correct the fare discrepancy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Wise US Inc. is unlawfully withholding XXXX ( approximately {$83000.00} ) belonging to my Delaware XXXX. 

Timeline : - XX/XX/XXXX : EUR account blocked due to missing EIN - XX/XX/XXXX : Requested account closure and fund transfer to 100 % parent company ( XXXX XXXX ), because the IRS shutdowns did not allow the receipt of the EIN. 
XXXX XXXX XXXX, 2025 : Wise confirmed account deactivation - XXXX XXXX 2025 : Provided parent company bank details with notarized board resolution authorizing transfer - XX/XX/XXXXXXXX XXXX, 2025 : Wise refused transfer to parent company, proposed personal account instead - XXXX XXXX 2025 : Explained Federal Tax Authority regulations of my companys country prohibit business funds bypassing parent company to personal accounts XXXX XXXX XXXX, 2026XX/XX/XXXX : Wise representative confirmed in writing that funds had been sent and would arrive within XXXX business days - XX/XX/XXXXXXXX XXXX 2026  : Discovered transfer had been cancelled without explanation ; Wise reiterated XXXX to transfer to parent company - XXXXXXXX XXXX  2026 : Filed formal complaint - XXXX XXXX 2026 : Funds still withheld after XXXX months Key issues : 1. Wise confirmed the transfer in writing on XX/XX/XXXX, then cancelled it without any contractual or regulatory justification 2. Wise refuses to transfer funds to the 100 % parent company despite notarized board resolution signed by all beneficial owners authorizing this transfer 3. Wise 's only proposed alternative ( transfer to personal account ) violates Federal Tax Authority regulations of my companys country - business funds can not bypass the parent company 4. Wise has withheld funds for over 7 months while blocking all lawful methods of withdrawal 5. Wise extended complaint response deadline unilaterally from XX/XX/XXXX to XX/XX/XXXX Requested resolution : Immediate transfer of XXXX to parent company bank account ( details previously provided to Wise ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was using a wells fargo business credit card unfortunately bought a fake gold coin from XXXX XXXX XXXX 2026 total XXXX. Called number on back and tried to dispute the amt. Girl told me I had to find someone to certify it was fake before filing. I asked for the supervisor name XXXX and told her I had picture showing the coin did not have the right weight and year as stated on XXXX. She said she will not process until i send her those pictures. She said she would send me an email with a link to submit, and 6 hours later I still have not received the promised email.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank XXXX I was not paid anything, you all asked back, don't lie anymore, I saved all the calls, it was the only way to get to the truth since I had no idea what they were doing against me, just as I signed the check, it's also signed and you still say that it was counterfeiting and that I made fraud, please, more fraud you do the employees and the two millionaire customers of 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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Tried to open account for checking account. I was informed I have no history and banking information and I am struggling to get a bank account open

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MarkOne Holdings, LLC
State: GA

Complaint narrative:
I purchased a XXXX XXXX accent from us auto sales in XXXX in XX/XX/XXXX and my loan was through XXXX XXXX XXXX. I paid for 2 years without missing a payment then all the sudden my account was locked and I couldnt reach anyone to make a payment for 3 months and then my car was repo and I found out through the repo company that XXXX XXXX took over my loan and then I find out my balance is way higher and I have late fees etc I got my car back after paying several XXXX dollars I wasnt truly behind on, that was XX/XX/XXXX then for the next two months I struggled trying to get my account fixed and they kept my account in repo status. In XX/XX/XXXX I spoke to a man who claimed to be a manager at XXXX and I made another payment and he assured me that he was granting me an extension ( thats 3 months ) and handing all the late payment fees. I still had zero access to my account as it was locked- this was the end of XXXX so I wasnt scheduled for another payment until around XX/XX/XXXX. Well I got a call from XXXX middle of XXXX stating that in order for my car to be released from repossession I had to pay them XXXX cash and they would send me my tirle I told them no I didnt have it. They came back and asked for XXXX and I still said no so they told me I had two weeks to come up with the money. Then my car was repossessed 2 days later. I contacted XXXX and was told I had to pay them XXXX to get my car back, I wasnt behind on payments and had full coverage insurance and found this insane. Well then my XXXX car showed up on my credit stating I owe XXXX. They contact me weekly and I refuse to speak to them I lost my job because of this and it destroyed a lot

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
This complaint is a follow-up to a prior CFPB complaint regarding the same loan. I formally disputed SPSs response through the CFPB feedback process. 
SPS proceeded toward foreclosure despite an active forbearance approved by the prior servicer and improperly characterized loss mitigation applications as withdrawn. Foreclosure was initiated while mitigation efforts were ongoing or improperly terminated. 
The foreclosure sale is currently scheduled for XX/XX/year>, creating imminent harm. I am requesting CFPB review for servicing violations, improper foreclosure referral, and failure to honor transferred loss mitigation. 
I am requesting immediate supervisory review given the proximity of the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am filing this complaint regarding Aldous & Associates for failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I formally disputed the accuracy of these accounts and requested the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite this lawful request, Aldous & Associates failed to provide the required method of verification, including : The name, address, and telephone number of the party that verified the information The date and manner of verification Documentation used to verify the accuracy of the reporting Instead, the accounts continue to be reported without evidence of proper verification, which constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o.

Additionally, Aldous & Associates have failed to provide proper debt validation under FDCPA 1692g ( b ) and continue reporting derogatory information without proof that the debt is legally enforceable, including : The original signed contract or application Full chain of assignment showing ownership of the debt Complete account history and itemized accounting Proof of legal enforceability under Illinois law Any IRS Form XXXX if the debt was canceled Continuing to report unverified information after a direct dispute is a violation of FCRA 1681s-2 ( b ) and constitutes negligent or willful misrepresentation of consumer credit data. 
Failure to comply with this request will result in escalation to the Illinois Attorney General, FTC, and civil action for statutory damages under FCRA 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: TX

Complaint narrative:
I always get spams and beware this a scam emails. I finally decided to check on email because it was from Edfinancials. I went on the website and it said XXXX XXXX I owe. I was completely confused and then I did some research and found it it was a legit website and it was my student loan.. I was completely unaware I had a student loan payment already. After finding out it was legit I paid the XXXX XXXX  payment immediately and started to make my payments. I then even put my bank information in. I can not help there emails go to spam. Im scared some are fake and Im going to end up giving my social security number out and lose everything. Everytime I log in it asks for my social security. I WOULD NEVER EVER MISS A SINGLE PAYMENT. The only payment I have ever missed according to Experian is my student loan. And I believe it is because it is not a good website. I have tired auto pay but apparently it does not work. I also get payment reversals. I can add money to the account and they can take that money to pay it back. Or something. I really just want to be in good standing with them. If you look at my Experian credit report I have absolutely no late payments other then edfinancial. From now on Im going to have to check daily on this website so I can make sure my payments go through. I have no other late payments whatsoever other than edfinancial. And thats sincerely due to the website and poor notice about repayment .. it was just poor communication. I promise I would not purposely ignore a payment especially over 90 days. Credit is everything.. I want to be able to buy a house and now I feel like that is not going to happen now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
While on a cruise a gym in the country of XXXX fraudulently took {$1900.00} and another fit XXXX $ from my Navy Federal Credit Union account the fraudulent transaction occurred on XXXX contacted XXXX XXXX and XXXX a compliant. I was given a credit and a temporary refunded pending on the results of the investigation.It was during this dance time there was heavy fog on the ocean and the ship was not allowed to enter the port I had to scramble and it was during my calls with NFCU the calls dropped XXXX. I had to scramble to borrow XXXX $ from a friend to purchase 2 return tickets to XXXX, Ga from XXXX, Fl because we were still out in the sea and the last flight was @ XXXX but we were not able to make it due to the fog.I had to pay another XXXX $ for a hotel room in a '' CRACK INFESTED '' otel.I presented NFCU the cruise itinerary and on the date of XX/XX/XXXX when this fraudulent transaction occurred we were cruising in the sea at the same time and I did not use my cell phone during this trip and I DID NOT use my debit card.I had made a cash withdrawal of XXXX $ from the ATM.I provided this documentation to NFCU. My claim was denied XXXX but they did refund the XXXX $ I googled the company and I couldn't find any results. I requested assistance from NFCU but they REFUSED to assist me. I requested the documentation from NFCU the person 's name who handled this claim but I WAS DENIED ANY ASSISTANCE from NFCU.I sent them my documents showing where I was on the date of this fraudulent transaction. But my claim was still denied. Their response was I was deceptive and it was MY FAULT that this fraudulent occurred so I'm responsible.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting that Wells Fargo close my deposit account immediately. 
On XX/XX/26 at approximately XXXX XXXX I attempted to close the account using Wells Fargos online portal, but it returned an error and would not allow closure. I have a screenshot of the error. 

I then called Wells Fargo on XX/XX/26 at approximately XXXX XXXX. The representative told me the account can only be closed by phone during business hours, and refused to process the closure at that time.

I am requesting : ( 1 ) immediate closure effective the date of my first request, ( 2 ) written confirmation that the account is closed, and ( 3 ) confirmation that no fees or transactions will be assessed/processed after my closure request due to Wells Fargos inability to process the closure through its systems.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX allowed someone to add their information to my account without them verification, they add their account then withdrew all my money, I was sent email then literally seconds my money was gone. I reached to XXXX ( Venmo ) and they have gave me the run around about my money, I have sent in everything they asked for to be told XXXX business days and still no refund of my money. I had to so many things to prove who I was yet the person who added their information dint have to verify anything. I have called and called to be hung up on and all Im trying to get my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the charge-off account being reported on my credit reports because the information is inaccurate, incomplete, and has not been properly verified. 
The account is reported as a charge-off with a balance owed ; however, I was never provided with proper documentation validating the debt, the amount being reported, or proof that the creditor has the legal right to collect or report this account. 
I have previously attempted to resolve this matter directly with the company, but no competent evidence was provided to support the accuracy of the reporting. The account continues to be reported with inconsistent information across credit bureaus, including payment history, balance, and status. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable. Since the company has failed to provide proper verification, this account should not continue to be reported. 
I am requesting that the company either : Provide full documentation validating the debt, including the original contract, payment history, and proof of authority to report or Remove the charge-off account from all credit reporting agencies immediately If the company can not fully verify the accuracy of this account, continued reporting violates federal law. 
I am requesting immediate correction or deletion of this charge-off from all consumer credit reports.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
COMPLAINT DESCRIPTION ( UPDATED ) I am submitting this complaint regarding irregularities in an auto loan issued for the purchase of a used vehicle. 

On XX/XX/XXXX, I financed a XXXX XXXX XXXX  through MidAtlantic Finance Company, arranged by the dealer XXXX XXXX XXXX XXXX XXXX. The total amount I paid for the vehicle was approximately USD XXXX, even though the loan amount approved was around USD XXXX and the vehicles actual market value is significantly lower. 

In XX/XX/XXXX, when I attempted to sell the vehicle, I was informed by a thirdparty buyer that the vehicle had previously been declared a total loss, auctioned, and that its real market value was approximately USD XXXX due to its history. 

At the time of purchase, the dealer informed me that the financing company charged a USD XXXX commission in order to approve the credit. When I later contacted MidAtlantic Finance Company directly, I was told that such a commission does not exist. I subsequently sent a written request by email to the financing company seeking clarification regarding this alleged commission and the loan approval details, but I never received a response. 

I am concerned about how a loan for approximately USD XXXX was approved for a vehicle with a substantially lower actual value and a prior total loss history. I believe this raises serious concerns regarding underwriting practices, lack of proper vehicle valuation, and failure to provide required disclosures. 

For reference and verification, the publicly available contact information for the financing company is as follows : Company Name : MidAtlantic Finance Company Main Phone : ( XXXX ) XXXX Customer Service : ( XXXX ) XXXX Website : XXXX : XXXX Corporate Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX I respectfully request that the Consumer Financial Protection Bureau review this matter and require the financing company to provide a formal explanation of the loan approval, valuation process, and failure to respond to my written inquiry. 


Please contact me at XXXX XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my long-standing Coinbase account and my current inability to access or move my funds due to an identity verification issue. 

I have maintained an account and wallet with Coinbase for several years. At the time of opening my account, I completed all required identity verification procedures using a valid Texas drivers license, and my account functioned without issue for years. 

My Texas drivers license recently expired, and I have since renewed it. The State of Texas issued me a temporary identification document while I await my permanent license card. Despite this being an official state-issued document, Coinbase has blocked all account functionality and will not allow me to transfer or withdraw my funds unless I upload a valid photo ID through their automated verification system. 

Because my physical license card is expired and the temporary ID is not accepted by Coinbases system, I am effectively locked out of my own funds. I contacted Coinbase customer support multiple times and was informed that there is no manual review process, no alternative verification method, and no escalation available. I was told explicitly that access to my funds will remain restricted until I receive my permanent ID card. 

This situation has placed an unreasonable burden on me and has resulted in my funds being inaccessible for reasons outside of my control, despite my identity already having been previously verified and despite my active compliance with state renewal procedures. 

I am requesting assistance to ensure that Coinbase provides a reasonable verification alternative or manual review process so that customers are not indefinitely denied access to their funds due solely to delays in physical ID issuance by a state agency. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation