vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
So I am asking about my checking and savings accounts. The first thing I would like the company to look into is my accounts and all the money that's supposed to be in them. First of all, in XXXX, I was supposed to receive unemployment benefits. I received XXXX check and never saw any more deposited, which shows I got that XXXX. But I stopped at a bank, and a guy working for Fifth Third pulled up my account, and there was money in it that I couldn't see on my phone, but he never told me about it in the account ending in XXXX. Right now, the account on my phone shows XXXX in it. But I should have a lot more. So, last year I got a {$75.00} deposit into my account. I tried to use the money, and was blocked. I went into the bank at XXXX XXXX XXXXXXXX XXXX, and asked about it. The person pulled up my account. I could see her computer, which showed the XXXX, and I asked who sent it to me. It was from a settlement. She told me she didn't know, then it disappeared from her computer, and she started lying, saying she never saw it. So I pulled the picture I had taken on my phone before going to the bank. She got on the phone, told the person to take a picture, and then told me there was never a {$75.00} deposit at all. Then, in my mother 's account watch, I am her payee. Her account was overdrawn by {$1300.00}. I've been trying to pay it down, so on XX/XX/XXXX I deposited XXXX into her account, and a few weeks later I paid XXXX. On XX/XX/XXXX, it shows that a deposit of XXXX was sent to her account. I keep getting messages that say my account has a high balance of XXXX. So I stopped at Fifth Third last week at XXXX XXXX XXXX and asked the person about the money. She told me it was included in my balance, but my balance does not reflect the deduction. And I asked where it came from, she told me she didn't know. None of this makes sense to me. I want someone to look into these accounts. I am XXXX XXXX on my son account and if I have money I could be using in my account to help me get a place to live, I would like it now. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I have paid off my title with Bridgecrest in XX/XX/year>, they still have failed to send me the title. I have kept calling them several times to ask to keep sending the title, they keep saying it was returned. I checked with XXXX and they state they did not have any returned mail for me. I then changed the address, and they still failed to mail it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally request your assistance on a dispute I have submitted to all three credit reporting agencies. The dispute is on the accuracy of my XX/XX/XXXX credit report, which indicates that I made XXXX separate XXXX past-due payments to Nelnet. This reporting is deceptive, damaging and grossly misleading and does not accurately reflect my payment behavior. I receive a single monthly statement from Nelnet and consistently make XXXX payment per month in response to that statement. Any internal allocation or application of that payment by Nelnet should not result in multiple delinquency entries being reported to the credit bureaus. My review of publicly available information suggests that Nelnet has a documented history of questionable reporting practices, and my situation appears consistent with that pattern. * This same issue with other borrowers XXXX to the level of a formal letter from XXXX XXXX to Nelnet and the credit agencies in XX/XX/XXXX. Please assist in this matter in any way you possibly can to correct this inaccurate reporting and restore my excellent credit rating I worked so diligently to reach and maintain. I request written confirmation of the results of your efforts. Thank you for your attention and much needed involvement. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
As my Accountant / legal advisor SPS needs Refund to me {$6600.00}. If SPS had paid any Tax Payment to tax office year 2025 they need to send the proof of payment receipt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I filed a fraud claim totalling {$2400.00} USD. Over 23 transactions. To XXXX XXXX XXXX XXXX My phone was lost and stolen while Im in XXXX XXXX XX/XX/XXXX, bought a new phone 3 days later. The transaction started as small transaction over span of 2 months. The bank refused to explain why they denied the claims aside from we have no evidence of fraud and rejected my request for appeal or secondary review stating that in their checklist everything seemed normal and had no evidence of fraud. They said because I replaced the phone and stilk had my physical card access, there shouldnt be any issues. But my digital wallet and online banking were on my old phone, and I tried to explain that My old device was compromised and payments and authentication can be made in my old device, as I cant disable the device as it had no signal. Bank Wells Fargo listed the claim as did not Remember these transactions instead of fraud account takeover / device compromised. I am now out of {$2400.00} and Wells Fargo refuses to give me a second review or acknowledge my issue because their checklist they use didnt detect fraud. Wells Fargos explanation focused on the fact that I obtained a replacement phone shortly after the theft and that I did not immediately notice all of the smaller unauthorized transactions. However, I did not authorize these purchases, and the transactions occurred after my phone was physically stolen while abroad. I requested reconsideration and further explanation, but Wells Fargo stated that no further appeal or secondary review would change the outcome. I am requesting that Wells Fargo : Conduct a meaningful secondary review of the unauthorized XXXX XXXX transactions related to the stolen device. Provide a transaction-by-transaction explanation of the denial decisions and the evidence relied upon. Clarify why the transactions were considered authorized despite the reported theft of my phone abroad. I believe the bank failed to reasonably investigate the unauthorized transactions and failed to provide adequate explanation regarding the denial of my fraud claim.

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 2026-05-28 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute a charge in the amount of {$460.00} processed by XXXX XXXX on my Avant Credit Card account. Transaction Information : XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX Merchant : XXXX XXXXXXXX XXXX Amount : {$460.00} XXXX XXXX XXXX : XXXX XXXX The flight reservation was canceled on XX/XX/year> due to a death in my immediate family. The cancellation occurred before the expiration of Avant XXXX XXXX XXXX dispute policy. Following the cancellation, representatives from XXXX XXXX advised that a refund would be issued to my original form of payment. Despite those representations, XXXX XXXX failed and refused to process the refund. Instead of honoring the refund, XXXX later requested highly sensitive and unrelated personal information after already indicating the refund would be approved. I made multiple good-faith attempts to resolve this matter directly with the merchant, but XXXX XXXX has still failed to return the funds owed. Because the flight was canceled within Avants dispute timeframe and the merchant failed to issue the promised refund, I am formally requesting that Avant fully investigate this matter and issue appropriate dispute protections and relief under the Fair Credit Billing Act ( FCBA ). I respectfully request that Avant : * Conduct a formal investigation into this disputed transaction ; * Issue any applicable provisional credit during the investigation; XXXX XXXXXXXX XXXX XXXX to substantiate its refusal to issue the refund after representing that one would be processed ; * Reverse the charge if the merchant can not validate its position ; and * Provide the outcome of the investigation in writing. I am prepared to provide supporting documentation, including communications with XXXX XXXX concerning the cancellation and promised refund. Thank you for your prompt attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charge 3 separate over draft fees of XXXX $ each, the same day I was charge I paid the fees, they only decided to remove one and still charge me XXXX XXXX I did my research online and it says do not accept partial refunds, and in fact it is possible to remove all fees, in this case they did not help me being a loyal customer and this being the first time I had overdrafted

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 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX and my Home insurance company XXXX XXXX are scamming me out my insurance check for repairs on my house. They have stolen my money and refuse to give it back they are discriminating against us as a XXXX family the only ones in the town

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Filed an unauthorized fraud dispute on XX/XX/year>, for a {$3.00} foreign transaction and XXXX fee from XXXX XXXX XXXX Cardholder lives in California and transaction was completely unauthorized. Merchant is a XXXX ( Upgrade ) failing to provide a prompt provisional credit or resolution for a micro-charge, and customer service has been unhelpful and hostile. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am appealing Wells Fargo 's denial of fraud claim XXXX XXXXXXXX regarding an unauthorized {$9900.00} XXXX XXXX transfer that occurred on XX/XX/year>. While the transaction was physically executed from my device due to sophisticated social engineering and coercion by an impersonator named " XXXX XXXX '' who spoofed the bank 's number, Wells Fargo 's own internal investigation packet ( which I have attached ) proves a severe backend security failure. As documented on Page 4 of the bank 's logs, an unauthorized intruder accessed my profile via an XXXX bypass, executed rapid 'ACCOUNT LINKAGE REMOVED ' and 'ACCOUNT LINKAGE ADDED " changes, and forced a 'POS DAILY DOLLAR LIMIT CHANGE '. Wells Fargos security systems completely failed to flag or halt these highly irregular, rapid-fire profile modifications. This internal failure directly enabled a maximum-value fraudulent transfer of {$9900.00} that was entirely inconsistent with my historical account behavior. The bank 's denial relies on the fact that the card was in my possession and that it came from a known device. However, their findings fail to account for a digital Account Takeover ( ATO ). A legitimate customer does not change their password, remove/add account linkages, and increase their daily spending limit to {$10000.00} within a matter of minutes just to immediately execute a maximum-value transfer. I request a full regulatory review and reversal under Regulation E based on the bank 's failure to protect my profile from unauthorized systemic manipulation.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an email stating that my depost was delayed for another business day and at the bottom of the email there was a note that implied that I could stop the deposit. I called customer service and was told that the deposit could not be stopped. I requested a supervisor and spoke with XXXX. She was pretty rude, told me they can't stop the deposit and the only option would be to verify the availibiltiy of the funds by contacting the issuer of the check. I tried to tell her that she would need to call me back on my work phone as I was walking into work. She continued to speak over me and then put me on hold. When she returned to the phone, she said she was unable to verify the funds because the hold time was too long. I asked her to look into it and call me back. She stated she was located in an inbound call center and she would have to request to have someone else look into it and call me back. As this is an urgent matter, I asked her to make sure that someone called me back today. She said that wasn't possible. I had already submitted the check to be deposited in my local credit union and I may now in serious trouble because of Capital One 's stupidity. I suggested to XXXX that she file a suspicious activity claim in order to lock the account and stop the deposit. She refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year>, I initiated an international wire transfer of {$500.00} from Bank of America to my personal bank account at XXXX XXXX XXXX in XXXX XXXX. The transfer reference number is XXXX. The transfer confirmation stated that the funds would be available no later than XX/XX/year>, and may arrive sooner. However, as of XX/XX/year>, the funds have still not been received. I contacted the receiving bank and have not yet received a clear update regarding the status of the transfer. I would like assistance in determining the current status of the wire transfer and whether there are any intermediary bank delays, compliance holds, or additional actions required.

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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
I am filing this complaint because a debt collector is attempting to collect a balance that I do not recognize and has failed to provide proof or documentation of where this balance originated. I requested validation of the alleged debt, including : * Proof that the account belongs to me * An itemized breakdown of the balance being collected * Copies of any signed contracts or agreements * Account statements and payment history * Proof that the collector has the legal authority to collect this debt Despite my request, I have not received any documentation or evidence explaining the origin of this balance. The account continues to be reported and/or collected without proper validation. Because the collector has failed to provide sufficient proof, I dispute the accuracy and validity of this debt. I request that the debt collector either : * Provide complete validation and documentation of the alleged debt and balance, or * Remove the account from all credit reporting agencies and cease collection efforts if they can not properly verify the debt. The account information appears incomplete and inaccurate because the alleged original creditor is listed as the collection agency itself instead of identifying the actual original creditor. I still have not received documentation showing where this balance originated, what services or account created the debt, or how the amount was calculated. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We got our tax return deposited in there because we were unable to change bank info, and they are refusing to give us access to our funds directly deposited from federal government. We also have another complaint about lack of providing documentation, refusal to acknowlwdge evidence they asked for dispute, and they have kept funds from myself and vendor dispute was with and there is no explanation on where they are and the employees never have answers or explanations or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: North American Credit Services
State: TN

Complaint narrative:
I received a voicemail from a debt collector identifying themselves as North American Credit Services. In the voicemail, the caller stated that the message was an attempt to collect a debt and/or identified themselves as a debt collector before confirming they had reached the correct person. I am concerned this voicemail could have been overheard or accessed by third parties, which may constitute an improper disclosure of debt collection information. The call was received on XX/XX/year> at approximately XXXX from phone number XXXX. I have retained the voicemail recording/transcript. I am requesting that the company investigate this matter, comply with all applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ), and provide validation of the alleged debt if they claim I owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Issue : Unfair/Deceptive Practices Wrongful Withholding of Insurance/Settlement Funds a nd Failure to Escalate to Decision-Makers. Description of Event : RoundPoint Mortgage Servicing is wrongfully holding a remaining portion of my settlement/insurance funds XXXX and refusing to release the balance owed to me, the borrower. {$7200.00} The customer service department calls me every week ( Based on my call logs - XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026, XX/XX/2026 ) to request a " contractor 's affidavit. '' However, I have repeatedly explained that there is no third-party contractor ; this is a homeowner self-repair project. Months ago, I pro vided RoundPoint with comprehensive receipts proving that I have already personally spent the entire amount of the settlement fundsand moreto complete these repairs. Despite providing this verifiable proof of completion and expenditure, RoundPoint refuses to release my money. Furthermore, RoundPoint 's customer service representatives operate on a rigid script, act like robots, and are completely unable or unwilling to provide any actionable information or status updates. Every representative I speak with claims they do not have the authority to make a decision, yet they refuse to escalate my file to a supervisor, XXXX, or decision-maker who can review the self-repair documentation and authorize the disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
First credit services Are reporting that I owe {$200.00} to the credit bureaus and have told them multiple times. This debt does not belong to me also to send me proof which they have done either. Can you you please contact them and have them resolve this situation and remove it.

Company response to consumer: Closed with explanation