vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from my XXXX XXXX XXXX ( Wells Fargo ) stating that if I spent {$100.00} by XX/XX/XXXX I would receive a {$25.00} statement credit. I activated the offer and took a screenshot of the email after doing so as to keep a reminder to myself of what the deadline was. I spent just over {$100.00} before the deadline and waited until XX/XX/XXXX to contact Wells Fargo when the credit still hadn't posted. At that point, I was informed that I had not waited enough billing cycles. I called back on XX/XX/XXXX and the situation was sent to the escalation department. They attempted to call me back on XX/XX/XXXX, however I missed the call. I finally spoke with the escalation agent they assigned to me on XX/XX/XXXX and they informed me they would look into it and give me a decision after they investigated it. On XX/XX/XXXX, the agent contacted me back and informed me that their partner determined that I never activated the offer. I let the agent know that that was impossible as I immediately took a screenshot of the email and link directly after activating it. We argued about it and I told him that if that is what he is being told, it has to be due to a system error on their part because I distinctly remember activating the offer. He agreed to resubmit the complaint and provided me an email address to send the original email and screenshot. I complied and on XX/XX/XXXX the same agent contacted me back and informed me that they had reached the same conclusion and would not be issuing the credit. We argued some more about it and the agent eventually hung up on me.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I am not liable with debt from Zion debt Holdings, I do not have contract with Zion debt Holdings. They have not provided me with a original contract as requested.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding the handling of my repossessed vehicle and the loss of my personal property. After my vehicle was repossessed in XX/XX/year>, I made multiple attempts to retrieve my belongings using the instructions provided by the company and their third-party recovery vendor. I went in person to the address I was given and was instructed to call a number to schedule an appointment. I made multiple attempts to call that number, but no one answered and no return calls were made. I was also directed to contact Consumer Relations, and I did not receive a response. At a later point, when I was finally able to make contact, I was told that my belongings were not ready, not that they had been disposed of. I was never clearly informed of any deadline or that my property would be permanently discarded. The company is now denying my claim, stating that no attempt was made to retrieve my items within 30 days. This is inaccurate. I followed all instructions provided, but their representatives and third-party vendor failed to provide reasonable access or communication. As a result, I lost essential personal property, including items necessary for my household. I am requesting that this matter be reviewed and that I be reimbursed for the loss of my personal belongings due to the companys failure to provide proper access and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX charged me for unactivated lines, promised refunds for XXXX months, and failed to deliver, forcing a successful bank chargeback. XXXX corporate claims a 'case is open ' since XX/XX/XXXX to XXXX the balance, but refuses to officially verify the {$0.00} balance, resulting in collection harassment from Credence. I demand XXXX immediately wipe out this fraudulent balance, issue a formal debt recall to Credence, and provide written verification of a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I ordered two shirts ( {$63.00} ) to wear for XXXX awareness month on XX/XX/year>. I received the shirts on XX/XX/year>. On XX/XX/year> I requested a refund because I had not received the shirts. Receiving them in XXXX did not make them available for XXXX. Each time I called Paypal ( who I used to pay the company XXXX XXXX XXXX XXXX ), they insisted that they talked to the seller and whatever the seller said was golden. They asked me to wait and I waited but this company never responded to any of my emails nor did they send in confirmation information when I placed the order. I complained and complained with a supervisor each time I called then Paypal would not let me speak to a supervisor when I called. I returned the shirts to the address in XXXX that was on the package I received and noted to Paypal that the coloring was off and I had no use for these shirts since XXXX had passed. I have still not received a refund from Paypal. The address on the package I believe is fake and this whole operation is a scam. I have since gone to the Post Office to help try to track the package since no one in XXXX accepted the package with the shirts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
After submitting my first complaint through the CFPB I got a response from Cashapp where I was told that I had violated the terms and conditions and was warned in an email that my account would be closed and my stocks valued at XXXX would be sold. After they were sold I submitted my complaint and Cashapp responded with an email suggesting that the decision was irreversible and there would be no way to appeal the decision or even question the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union has several accounts on the three credit bureaus. On XXXX that have one two accounts that I am XXXX with caused one credit card company to close my account when I applied for an additional card. Navy Federal Credit Unions solution is to have a very XXXX person with no income to visit one of the branch offices to start a very lengthy investigation that I am not XXXX and that I did not open accounts with Navy Federal Credit Union. Shame on Navy Federal Credit Union because one : I do not have the money to spend to waste on going to a branch office to file a fraud claim and to prove that this XXXX person is alive. Also, Navy Federal Credit needs to remove the deceased notation from the credit bureau file and if they need to do a further fraud claim send me the paper via email at XXXX XXXX XXXX XXXX so that I can email it back to them Respectfully submitted XXXX XXXX

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 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
CARE CREDIT ( Synchrony ) is still in Error on Many Points, for example : On XXXX, Synchrony wrote : " XXXX.. you contacted us to dispute {$9.00} ( THAT'S A LIE ) of the purchase in the amount of {$1200.00} made on XX/XX/XXXX... we issued a credit in the amount of {$9.00} ( in XXXX ) ''. On XXXX, XXXX wrote : " XXXX a credit of {$9.00} posted as a merchandise return... the credit was INITIATED BY THE PROVIDER ''. This is a Contradiction of Synchrony 's earlier explanation dated XXXX, stating : " In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened by you ( LIE - I NEVER CONTACTED SYNCHRONY TO DISPUTE XXXX DOLLARS ) on XX/XX/XXXX, in which you claimed you were overcharged ( LIARS ) by the merchant by {$9.00}, for the purchase in question '' ( LIARS ). Why did Synchrony give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX? A credit i could never request since there was NO SUCH Extra Charge. YOU ARE LIARS, CRIMINALS and INHUMANE devils. On XXXX, Synchrony wrote : " Upon further review, we have determined that incorrect information was provided ( by Synchrony Bank )... waived interest charges totaling {$17.00} ; however, only {$8.00} was for interest charges ''. I have stated numerous times since XXXX thatyour accounting, Statements and billing are FRAUDULENT. That's what i had been complaining about since XXXX. On XXXX, Synchrony wrote : " we determined your billing statement may have been delayed or not sent. Therefore, an adjustment was made to your account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; for a PROMOTIONAL Purchase that was DISPUTED since XXXX. There should be Apologies and Compensation for these Bank ATTEMPTS TO STEAL FROM THE VULNERABLE. It is INHUMANE. For months, since XXXX, CareCredit Attempted To Steal from me as Synchrony terrorized me with Harassing Letters over Synchrony 's FRAUDULENT Accounting and Fraudulent Statements. Synchrony 's Attempt to steal from the vulnerable is INHUMANE.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading reporting being furnished to XXXX by XXXX XXXX XXXX XXXX. XXXX is currently reporting ACCOUNT ABUSE connected to my account in XXXX. However, the same reporting also clearly states NO MONETARY LOSS. This reporting is vague, unsupported, misleading, and damaging to my ability to obtain banking services and financial products. Despite the serious nature of the allegation, neither XXXX nor XXXX XXXX XXXX XXXX has provided any competent documentary evidence supporting the reporting. There has been no explanation of what specific conduct allegedly constituted account abuse, no evidence of fraud, no court findings, and no monetary loss reported. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are required to maintain maximum possible accuracy and conduct a reasonable investigation of disputed information. I disputed this information and requested : Method of verification Documentary evidence Full description of the alleged conduct Records relied upon in making the report To date, adequate verification has not been provided. Reporting a vague accusation such as ACCOUNT ABUSE without supporting evidence while simultaneously reporting NO MONETARY LOSS is misleading and unfairly damages my banking reputation and ability to access financial services. I am requesting : Immediate reinvestigation of this reporting Full verification documentation Deletion of the inaccurate and unverifiable reporting if proper evidence can not be produced Correction of any misleading information being furnished to consumer reporting agencies I believe this reporting may violate the Fair Credit Reporting Acts accuracy and investigation requirements.

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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, my wife XXXX and I signed a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX to install a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, financed through LoanPal ( now GoodLeap, LLC ), Account No. XXXX. Total loan : {$47000.00}. Current balance : {$41000.00}. Monthly payment : {$320.00}. ORAL MISREPRESENTATION : XXXX XXXX XXXX XXXX XXXX XXXXXXXX promised us our only XXXX XXXX expense would be a XXXX XXXXXXXX connection fee. Our bills have been {$300.00} XXXX XXXX per month since the system went live. Our current bill is $ XXXX over XXXX what was promised. WRITTEN COMPLAINT IGNORED : On XX/XX/XXXX, I emailed XXXX XXXX in writing reporting that panels were not producing and XXXX XXXX bills were over {$300.00} XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX responded confirming receipt and promising follow-up. No resolution was ever provided. XXXX then went out of business. PRODUCTION GUARANTEE NEVER MET : Section 13 ( c ) of the Sales Agreement guaranteed XXXX XXXX annually, required 2x compensation at our utility rate ( XXXX XXXXXXXX, per XXXX XXXX bill ) plus repairs each year. Six years of shortfall {$4900.00} in owed compensation was never paid : Year Guaranteed ( kWh ) Actual ( kWh ) Shortfall ( kWh ) 2x Compensation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$1800.00} TOTAL XXXX XXXX XXXX {$4900.00} OWED SYSTEM COLLAPSE : Our XX/XX/XXXX XXXX XXXX bill confirms a 93 % output collapse XXXX XXXX XXXX XXXX XXXX XXXX XXXX same period last year. We pay XXXX XXXXXXXX to GoodLeap AND XXXX XXXXmonth to XXXX XXXX simultaneously. We carry a {$630.00} past-due balance with XXXX XXXX . Under the FTC Holder Rule, GoodLeap is subject to all claims we hold against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding the handling of a renovation loan disbursement by my mortgage company, Cross Country Mortgage involving a fraudulent wire diversion exceeding {$100000.00}. In XX/XX/year>, an unauthorized individual impersonated my contractor and provided altered payment instructions for a draw disbursement associated with my renovation loan. The mortgage company subsequently sent the funds to the fraudulent account. To my knowledge, the mortgage company did not independently verify the changed account information directly with the contractor prior to releasing the funds, despite the significant dollar amount involved and the known risks associated with wire fraud and contractor impersonation scams. As a result : The legitimate contractor remains unpaid for completed work The contractor has retained legal counsel I am now facing potential lien exposure against my home The matter remains unresolved months later The mortgage company has provided limited and vague updates regarding resolution efforts Despite the unresolved fraud dispute, the mortgage company continues pressuring me to execute final draw and/or loan closeout documents I am deeply concerned about : The lenders apparent failure to follow reasonable verification procedures before altering payment instructions The lack of transparency regarding the internal investigation and recovery efforts The potential impact to my property rights and financial standing Continued pressure to finalize loan documents before the dispute is resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
Dealing with MOHELA has been an absolute nightmare when it comes to XXXX XXXX XXXX XXXX. I had submitted my income-driven repayment paperwork to them before the hold occurred regarding the XXXX plan debacle. I had been on an income-driven repayment program, XXXX XXXX XXXX XXXX, and was somehow switched over to the XXXX plan. Without notice, after submitting paperwork to renew my income-driven repayment, I was notified that everything was on hold due to the XXXX plan being tied up in court. I had no idea why this was affecting everyone, but according to what MOHELA told me, it was. My paperwork had been submitted months before all of that even went to court. My loans got stuck in a deferment-type status, which did count as qualifying payments. However, when that administrative deferment was no longer being recognized, they still had not processed my original income-driven repayment paperwork that was submitted back in XXXX of XXXX. The loans were then switched to a normal deferment status, even though the paperwork had already been submitted months prior. I am still actively fighting to get those payments recognized as an administrative deferment rather than a normal deferment, which does not qualify as recognized payments. I have been in the service for over 10 years, and I am still fighting to get my loans forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a call claiming to be a sheriff from the sheriffs department stating that a loved one was arrested and we needed to make a payment so they can proceed with booking or trial. We were sent a XXXX link via text to make payment and were advised we needed to do it immediately in order for them to proceed with the process. We paid {$500.00} on a Wells Fargo credit card. After hanging up, I called the sheriffs department and they told us it was a scam and they would never call a loved one to request payment on the booked persons behalf. They advised to call the bank immediately to stop the payment. We called and they investigated and now Wells Fargo is refusing to reimburse because they said they cant confirm with the person charging us on square. We cant contact the person who charged us because they were a scammer pretending to be a sheriff and they did not provide real contact information

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Description of the issue : I am filing this complaint because BMO has failed to properly investigate and resolve a dispute regarding two specific transactions where a credit was owed but never processed by the merchant. Despite providing evidence of the merchant 's failure to issue the credit, the bank rejected my chargeback request. I have provided documentation showing that the merchant was supposed to issue a refund/credit. Violation : I believe the bank has failed to conduct a " reasonable investigation '' as required under federal consumer protection laws ( specifically Regulation Z if a credit card was used ). The evidence provided clearly demonstrates that the funds were not returned as expected, and the banks refusal to reverse these charges is causing me financial harm.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

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 explanation