vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Wave Financial USA Inc.
State: OR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( waveapps.com ) regarding the unlawful holding of funds processed through their payment platform. I have been a XXXX customer for over XXXX years with a clean account history and no disputes or chargebacks. On XX/XX/year>, my client submitted a payment of {$5000.00} via XXXX Payments for a legitimate, signed, year-long mentorship program. XXXX held these funds without any notification. On XX/XX/year> XXXX days after the payment was made I received an email from XXXX 's XXXX XXXX requesting documentation including a signed contract, client communications, and satisfaction confirmation. I responded the same day with complete answers to every question and provided written communications between myself and my client. Despite my prompt and full cooperation, XXXX did not acknowledge my response for nearly XXXX hours. When they did respond on XX/XX/year>, they claimed they could not open an attachment despite the fact that I had answered every question thoroughly in writing and requested additional documentation including client satisfaction confirmation for a program that is ongoing and not yet complete. My funds remain on hold as of the date of this complaint. XXXX has provided no timeline for release. This pattern of holding funds without notice, demanding proprietary business documents, and failing to communicate in a timely manner is consistent with numerous complaints filed against XXXX XXXX with the Better Business Bureau and on consumer review platforms, where customers report funds being held for months and automatically refunded to clients without merchant consent. I am requesting that the CFPB investigate XXXX XXXX 's fund-holding practices and require the immediate release of my {$5000.00}. Business name : XXXX XXXX XXXX. Website : waveapps.com Amount withheld : {$5000.00} Date payment was made : XX/XX/year> Date funds were held : XX/XX/year> Date I was notified : XX/XX/year> 2026

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc.
State: IL

Complaint narrative:
My phone was stolen, I had Mercury XXXX application there, criminals get into my account and steal money from there. I tried to report this to Mercury XXXX but they're giving me run around, no phone number available, their email support is running me in circles and I still don't have access to my account to review activity and report missing funds for recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I received a call today at XXXX XXXX from XXXX stating that I need to bring my account current, as my payments are not reflected in their system. I was told that I have been past due since XXXX, which is incorrect. I am attaching my bank statements showing payments made in XX/XX/XXXXXXXX and XX/XX/XXXX. I do not understand why the automatic debit from my accountpreviously set upis not being processed. There are no payments reflected for XXXX and XXXX because XXXX failed to withdraw the funds from my account as they had done in the past. I am unaware of the reason for this failure, which has now resulted in my account being reported as delinquent and negatively impacting my credit. I had agreed to make monthly payments of {$100.00}, and recorded calls should confirm my multiple attempts to ensure that my automatic payments were processed from my checking account. Given my clear intent to pay, I do not understand why I am being reported negatively or contacted for collections. I respectfully request that you : Correct my account history immediately Review all recorded calls and payment attempts Update and repair any negative credit reporting caused by your error Today, I have once again initiated the process to set up automatic payments through my checking account. However, I am concerned this issue will continue, leaving me unfairly affected. It is important to emphasize that, without any valid or evident reason, ZWICKER & ASSOCIATES PC has inconsistently processed my automatic payments. Specifically, no debit was made in XXXX and XXXX, while a payment was successfully processed in XXXX under the same setup. I have sufficient funds in my linked accounts at all times, consistently maintaining balances exceeding {$10000.00}. I have full documentation to support this. Therefore, there is no justification for the failure to process these payments, and the responsibility lies entirely with your companys handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I was informed that SoFi is closing my account. The stated reason was that I have too many disputes. All of my disputes were filed because my debit card and wallet were lost on XX/XX/year> resulting in unauthorized transactions at XXXX # XXXX totaling over {$2600.00}. I filed these disputes following SoFi 's own instructions for reporting unauthorized activity. SoFi has already confirmed unauthorized activity on one of the three XXXX disputes issuing a permanent final credit. I followed every step SoFi directed me to take including submitting evidence when requested, resubmitting when they claimed they never received it, and filing disputes for each unauthorized transaction separately as instructed. Closing my account as a direct result of me exercising my legal right to dispute unauthorized transactions is retaliatory and punishes me for following SoFi 's own dispute process. I was a customer in good standing prior to the fraud event. I should not lose my banking relationship because someone stole my card and wallet. I am requesting that the CFPB investigate whether SoFi 's account closure policy constitutes retaliation against consumers who file fraud disputes and whether this practice violates consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This transaction was for a rental deposit and first months rent was sent totaled {$1000.00}. I was helping my mother thinking it was vetted, but turned to be a scam as I was being asked for more money. The location of the supposed rental is XXXX XXXX, Nevada. The so called company agreed to refund me but were asking for more money to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX i bought the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The car it was XXXX miles. After few months later the engine light show up and some light show up too. I have to came to ask them but they dont want to do anything. Today I check my car and they pull out record that car was XXXX. They treated me to change odometer lower. I cant believe that. I have to fix the engine and something for couple thousands because cant run. I just want to get my money back and my payment I already paid because they treated customer.

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 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I only had {$500.00} left to pay, they didn't notify me that they would be charging me {$1200.00} in interest fees. I tried to resolve today and they couldn't help. I told them I wasn't paying that interest charge but I would pay the {$500.00} balance.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: EVERBANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I filed my initial complaint by describing what happened XXXX XXXX XXXX There was a response from a person from everbanks customer care team. She made many false claims in her report including claiming their fraud team detected the fraud which is a lie, they did not have any fraud team on duty that day as it was a federal holiday. They did not contact me on the XXXX until XXXX XXXX By then most of my money was gone. I had about XXXX XXXXXXXXremaining in my account. The bigger lies she told was the investigation into the fraud on my account- she claimed {$740.00} XXXX which never happened, she also stated the dispute resolution is XX/XX/year>, that date is past and still no resolution. She also claimed I would receive a final letter on XX/XX/year> and a permanent credit on that day. That did happen either. Most of the credits continue to be provisional. I have tried calling the people doing the investigation XXXX days in a row and they do not return my calls. I need help to get my money back? Who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: OH

Complaint narrative:
I am writing to formally report and request assistance regarding a wire fraud incident involving a payment amount of {$78000.00} intended for my General XXXX ( GC ). On XX/XX/year>, I received the final invoice from my XXXX XXXX for the completion of work on my project. A few days later, I received an email that appeared to be from my XXXX XXXX. The email contained an identical copy of the same invoice and stated that due to their yearly audit, their regular account can not receiving transfers, and that payment should instead be sent to a new bank account at XXXX XXXX. Believing the request to be legitimate, I followed the instructions and initiated a wire transfer from my account at KeyBank on XX/XX/year> to the XXXX XXXX account provided in the email. On XX/XX/year>, XXXX XXXX contacted KeyBank indicating that the name on the receiving account did not match the beneficiary information provided in the wire transfer. KeyBank then immediately contacted me regarding the discrepancy. Upon learning this, I immediately informed my banker that the transaction was fraudulent and requested that the wire needs to be stopped. Since that time, I have been working with KeyBank in an effort to locate and recover the funds. However, I have been informed that the funds can not be retrieved and are considered lost. I am extremely concerned about how the transfer was completed despite XXXX XXXX identifying that the beneficiary name on the wire did not match the name on the receiving account. I respectfully request a full investigation into how the funds were accepted and processed under these circumstances. I would appreciate any assistance in tracing and recovering the funds and understanding how this transfer was allowed to be completed despite the name mismatch. Please let me know if you require any additional documentation, including copies of the invoice, email correspondence, and wire transfer details. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: OH

Complaint narrative:
A debt collector called on two account to obtain a debt from me that Im not responsible for. Current Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX XXXX XXXX Acct # : XXXX ' Account Balance : {$1800.00} Current Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX XXXX XXXX Acct # : XXXX ' Account Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing ( SPS ) failed to properly apply my 100 % XXXX Veteran ( Permanent & Total ) Texas property tax exemption for tax years XXXX and XXXX, resulting in improper tax disbursements, inflated escrow payments, and financial harm. Despite receiving my written demand for correction on XX/XX/XXXX, SPS has not provided a corrected escrow analysis or refunded the improper charges. SPS also appears to be violating its obligations under RESPAs Regulation X, which imposes strict timelines for responding to borrower error notices and information requests. Servicers must provide a substantive response within 30 business days, with only one possible 15 business day extension if issued before the deadline and supported by a specific reason. Details of the Issue 1. Improper Tax Disbursements Under Texas Tax Code 11.131, a 100 % XXXX Veteran is exempt from all property taxation on their residence homestead. My VA XXXX XXXX XXXX XXXX took effect XX/XX/XXXX, XXXX Texas XXXX XXXX XXXX ( b ) means the exemption applies retroactively to XX/XX/XXXX, and therefore to all of XXXX and XXXX. I legally owed {$0.00} in property taxes for both years. Despite this, SPS : Paid property taxes from my escrow account for XXXX and/or XXXX Increased my monthly escrow payments Created an artificial escrow shortage Failed to apply the exemption even after receiving documentation These disbursements were unauthorized and unlawful, and SPS has refused to correct them. 2. Violations of RESPA / Regulation X My written demand for correction was received by SPS on XX/XX/XXXX, triggering Regulation X obligations : Under 12 C.F.R. 1024.35 ( error resolution ) and 1024.36 ( information requests ), a servicer must respond with findings or corrections within 30 business days of receipt. SPS may extend this timeline by 15 business days only if it issues written notice before the 30-business day deadline and provides a specific reason. SPS sent a vague letter saying only that a response is expected within 30 days. This does not satisfy the regulatory requirements for a lawful extension, nor does it meet the required timeline for substantive resolution. To date, SPS has not : Corrected the escrow analysis Reversed improper disbursements Refunded overpayments Provided any regulatory compliant written findings This appears to be a Regulation X violation. 3. Harm Suffered As a result of SPSs mishandling of my escrow account : My mortgage payment was increased without legal basis I suffered financial strain due to an artificial escrow shortage My escrow funds were used for taxes I did not legally owe SPS continues to hold money that legally belongs to me SPSs noncompliance has blocked correction for over 30 business days, exceeding regulatory timelines

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: NV

Complaint narrative:
I have a small business loan with the XXXX. I owed approximately {$900.00}. It has been on auto pay since XXXX. The last payment was taken out on XX/XX/XXXX. I received a delinquent payment letter from Coast Professional collection agency. I sent over my proof of payments, but they are still adding penalties to the account and threatening to take my XXXX. Please review this account I sent all of the proper proof to both the XXXX XXXX XXXX XXXX XXXX XXXX and treasury department. 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 2026-03-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: IN

Complaint narrative:
i have the XXXX direct express debit card. i noticed a {$69.00} charge on my account XX/XX/year> that i did not do. it shows XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX co i google the location and it is a office coworking rental place. i googled the sg.sub.stylix.app and found out ti is an app stylix does clothes subscription. i put my email into their website and it said i didn't have an account which i already knew i didn't have an account i emailed them and they wanted things like a banking receipt for the charge screenshot will not work. it was my only option i sent it i told them multiple times i didn't sign up i wanted my money back they said we need your email address you signed up with I DID NOT SIGN UP after XXXX or XXXX emails back and forth i gave them every email address i have and all of a sudden they stop replying looking on there web page they do not even have a {$69.00} package or subscription at that cost.. so is direct express stealing my money or what the email ticket number request is XXXX they did ask me if " XXXX '' or " XXXX '' might have been used during the subscription process. i replied with no my email addresses start with XXXX so i dug further for more information and the email address XXXX info belongs to is XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX XXXX and email address XXXX home address info is XXXX XXXX Lives on crosswinds way Hartland, WI i am in indiana and i do not know either of these people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recuvery LLC
State: NY

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX on my credit report. On or about XX/XX/2026, I disputed this account with XXXX. The account was marked as " verified, '' however, no proper validation or documentation was provided to me. I requested full validation of the debt, including a signed agreement, proof that I am legally responsible, a complete payment history, and an itemized breakdown of the amount. The company failed to provide any of this information. This account does not belong to me and appears to be inaccurately reported or fraudulent. Despite my dispute, the account continues to be reported without sufficient evidence. I am requesting that this account be fully investigated and removed from my credit report unless the company can provide proper legal documentation proving that I am responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Complaint Against : Eastern Account System Original Creditor : XXXX XXXX XXXX XXXX XXXX I am filing this complaint because Eastern Account System is refusing to provide written confirmation that a collection account has been paid in full. The account originated from XXXX XXXX and was placed with Eastern Account System for collection. I paid the account and have documentation showing that the balance was satisfied. However, despite multiple attempts to resolve this issue, Eastern Account System has failed to provide a paid-in-full letter or confirmation that the account has been properly updated. I have contacted both XXXX and Eastern Account System several times. XXXX stated they can not assist because the account was handled by the collection agency. Eastern Account System has continued to give me the runaround and has not provided the requested documentation. Because this account appears on my credit report, I need written confirmation that the account has been paid in full and that it has been reported accurately to all credit reporting agencies. Requested Resolution : Provide a written paid-in-full letter for the account Confirm that the account has been properly reported to all credit bureaus Correct or remove any inaccurate credit reporting related to this account I am requesting that Eastern Account System comply with my request and provide the necessary documentation 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 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
" On XX/XX/year>, Synchrony Bank closed three of my accounts ( XXXX, XXXX, and CareCredit ). The reason provided was 'activity indicative of high risk of failure to pay. ' I dispute this characterization as inaccurate. I have recently paid off the balances on both the XXXX and XXXX accounts in full. My CareCredit account has a balance of {$5000.00}, which I have been managing. Closing these accounts despite my payment history is a snapshot that does not reflect my actual financial behavior and negatively impacts my credit profile. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
This complaint concerns inaccurate and misleading credit reporting by a collection agency regarding a {$61.00} debt. The account in question is a medical debt. However, it has been reported to the credit bureaus as a retail account instead of a medical collection. This misclassification is significant because it appears to bypass current credit reporting policies that limit or exclude the reporting of small medical debts. By reporting a medical debt as retail, the agency is providing inaccurate information and potentially avoiding compliance with established credit reporting standards. This has negatively impacted my credit profile, including a substantial drop in my credit score and difficulty obtaining credit. Additionally, I am concerned that this may not be an isolated issue and could reflect a broader pattern of improper reporting practices. I am requesting : XXXX. Immediate investigation and correction of the account classification XXXX. Removal of this account from my credit report due to inaccurate reporting XXXX. Confirmation that proper reporting procedures are being followed to prevent similar issues in the future I have made good faith efforts to address this matter and expect accurate and fair reporting as required under applicable credit reporting standards.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief