vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX XXXX I received an email to my personal email stating someone was attempting to transfer money to someone in XXXX. The amount was {$500.00} USD which would have been {$8800.00} in XXXX currency. I first chatted with customer service and they did not want to delete the account and urged me to call the companys customer service number. When I called the customer service line it took two people and a manager to get the account suspended, not even closed/deleted and the transaction cancelled. Moreover, I work as a fraud analyst for a company reviewing and investigating large scale fraud, including fraud rings, and identity theft fraud, to name a few, and the companys protocol is extremely flawed in terms of handling fraud claims. I have to wait 10 days to get my {$500.00} refunded back to me which is abysmal as I was left with something along the effects of {$320.00} in my bank account. The company is a scam and should not be operating if they do not know how to protect customer data and ensure the credentials being used to open an account are from the actual person and not a fraudster/scammer. There is no reason why someone should have to call to report a fraud claim if they have provided proof that the account is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing this formal complaint against MoneyLion XXXX XXXX for a systematic pattern of predatory lending, unauthorized fund seizures, and willful harassment in violation of the Consumer Financial Protection Act and the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). This dispute involves a contested {$500.00} balance that MoneyLion has failed to validate despite a formal " Notice of Dispute. '' I have acted in good faith, even offering a {$5000.00} settlement to resolve this matter, which was ignored. The situation has escalated into a " XXXX XXXX '' legal violation. I currently have an active XXXX XXXX against MoneyLion ( Claim Amount : {$250000.00} ) regarding their history of unauthorized withdrawals. Despite this legal stay, on XX/XX/XXXX, MoneyLion performed an unauthorized seizure of {$1.00} from my bank account. When I confronted their representative about this theft, she attempted to " talk me down, '' dismissively claiming the {$1.00} was insignificant and insisting I still owe the contested {$500.00} debt. This dismissive attitude toward federal law ( EFTA ) proves that MoneyLion is acting with " willful and knowing '' malice ; the law does not have a " minimum amount '' for illegal seizures. Furthermore, as recently as today, XX/XX/XXXX, I am still receiving automated " account management '' emails despite a formal " Cease and Desist. '' MoneyLion and their legal counsel, XXXX XXXX XXXX XXXX XXXX, are fully aware of the XXXX process, yet they continue to use automated harassment to pressure me. This behavior is especially egregious given MoneyLions XX/XX/XXXX stipulated judgment with the CFPB ( Case No. 1:22-cv-08308 ) regarding deceptive practices. I demand the immediate restitution of my {$1.00}, the complete deletion of the {$500.00} derogatory credit reporting, and a total cessation of all automated communications. I am pursuing {$250000.00} in damages for this continued bad-faith behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am reporting unauthorized transactions from XXXX. I never created an account or approved these charges. My card was replaced due to suspected fraud, so I can not provide the card details the merchant is requesting. Chime denied my dispute and refuses to reopen it. I am requesting a full investigation and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am writing to formally address several unresolved issues regarding my mortgage account. Despite my repeated attempts to obtain clarity, the following requests remain unfulfilled : Missing Financial Records : I previously requested a full amortization schedule and a comprehensive payment history ( a schedule of every payment received on the account ). To date, US Bank has failed to provide either of these documents. Mortgage Assistance Delays : I requested a mortgage assistance application several months ago. Because the bank never sent the application, I took the initiative to complete the XXXX form independently and faxed it to the number provided in previous correspondence. Disputed Account Balance : I believe the current total amount owed is incorrect. I have alerted numerous bank representatives to this discrepancy and requested that the issue be escalated to the appropriate department ; however, no corrective action has been taken. Unapplied Payments : I have reason to believe that multiple payments I submitted were never properly applied to my account balance. I am requesting an immediate investigation into these missing payments and the delivery of the previously requested documentation to ensure my account is accurate and up to date.

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 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sigue Corp.
State: CA

Complaint narrative:
I am submitting this complaint regarding ongoing and repeated attempts by a company identified as XXXX XXXX Solutions to collect a debt that is not valid. On multiple occasions, XXXX XXXX XXXX has attempted to collect funds from me and has reported this alleged debt to XX/XX/XXXX. They have placed collections on my credit report twice, using XXXX different account numbers and XXXX different addresses. In my effort to verify the legitimacy of this debt, I attempted to visit the first address provided ; however, it was erroneous and did not correspond to a legitimate business location. I have been unable to confirm the physical location or legitimacy of XXXX XXXX XXXX. The alleged debt appears to be tied to a timeshare company in XXXX. However, I previously went through legal proceedings regarding this matter, and the contract in question was formally dissolved through the court process. Therefore, I do not owe any outstanding balance related to this matter. Both times the collection appeared on my credit report, I filed disputes with XX/XX/XXXX. After investigation, XX/XX/XXXX removed the collection account from my credit file on both occasions. Despite this, the company has continued to re-report the same invalid debt under different account details. I recently spoke with a XX/XX/XXXX representative, who advised me to file a complaint with the Consumer Financial Protection Bureau due to the repeated and potentially fraudulent nature of this reporting activity. I respectfully request assistance in stopping further attempts to collect or report this invalid debt and ensuring that my credit report remains accurate and free from this recurring issue.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am submitting a complaint regarding repeated errors by Rocket Mortgage in the servicing of my escrow account and property tax payments, resulting in a significant and unwarranted increase in my monthly mortgage payment. In XX/XX/XXXX, I received a delinquency notice from XXXX XXXX for unpaid property taxes and promptly contacted Rocket Mortgage to request payment from my escrow account. Rocket Mortgage subsequently disbursed {$12000.00} to the City. However, the actual amount due at that time was only {$6200.00}. The total annual property tax for my property for the XXXX tax year is {$12000.00}, as reflected on the XXXX XXXX tax bill. The first installment of {$5900.00} had already been paid in XX/XX/XXXX by the previous homeowner. Rocket Mortgage failed to account for this and overpaid property taxes by {$5900.00}. Following this error, Rocket Mortgage conducted an escrow analysis in XX/XX/XXXX using an incorrect annual tax obligation of {$17000.00}. This resulted in a substantial increase in my monthly mortgage payment. I contacted Rocket Mortgage multiple times and, eventually, XXXX representative acknowledged the error and stated that a corrected escrow analysis would be completed and that late fees paid to XXXX XXXX would be refunded. However, a second escrow analysis conducted in XX/XX/XXXX again relied on the same incorrect tax amount and overpayment. This resulted in a new monthly payment of {$6500.00} beginning XX/XX/XXXX, up from my previous payment of {$5400.00}. Despite multiple attempts to resolve this issue by phone, Rocket Mortgage has failed to correct the underlying errors. Additionally, under Maryland law, owner-occupied properties are subject to semiannual property tax billing unless the borrower opts into annual billing. I have not made such an election. Rocket Mortgages handling of my escrow account appears inconsistent with this requirement. As a result of these errors, my monthly mortgage payment has increased by over {$1100.00} based on incorrect assumptions, and funds have been improperly disbursed from my escrow account. I have also submitted a formal Notice of Error under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Around the year XXXX, I obtained a loan from XXXX XXXX XXXX, but I was unable to repay it. In XXXX, I filed for XXXX XXXX bankruptcy. Subsequently, a company named XXXX appeared and began attempting to collect the debt I owed to XXXX XXXX XXXX ; despite the fact that this debt was included in my bankruptcy petition, XXXX continues to demand payment from me. The loan was listed under both my name and my wife 's name, but only I filed for bankruptcy. I have attempted to make monthly payments on many occasions, but they refuse to allow me to do so, instead demanding full payment of the entire debt amounting to {$59000.00}. My question is : Can they legally continue attempting to collect this debt from me? If so, I would like to know if I can negotiate a one-time, lump-sum settlement to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Formal Complaint Against XX/XX/XXXX I am filing a formal complaint regarding XXXX XXXX XXXX XXXX and their attempts to collect an alleged debt from me. Since being contacted, I have experienced multiple concerning and potentially unlawful practices that violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). First, the company has failed to provide proper written validation of the alleged debt. Despite my requests, they have not supplied documentation verifying the debt, including the original creditor, amount owed, or proof that they are authorized to collect. Communication has been primarily through phone calls and voicemails, with no formal written correspondence provided. Additionally, XXXX XXXX XXXX XXXX has engaged in repeated and excessive phone calls and voicemails, which has caused significant stress and distress. Most concerning, they have contacted members of my family regarding this alleged debt. This is a serious violation of my privacy and is not permitted under federal law, as debt collectors are generally prohibited from discussing a consumers debt with third parties. I have also been subjected to coercive and threatening behavior. Representatives have made statements implying that I could be sued or even jailed if payment was not made. These threats created fear and pressured me into making payments. As a result, I made consistent payments under pressure despite not receiving proper validation of the debt. I am further concerned that this company is currently facing legal action in North Carolina. Specifically, a federal case, XXXX XXXX XXXX XXXX XXXX XXXX ( CaseXX/XX/XXXXXXXX ), was filed on XX/XX/scrub> 2026, in the U.S. District Court for XXXX XXXX XXXX XXXX North Carolina , alleging violations of the Fair Debt Collection Practices Act. Based on my experience and the pattern of complaints and legal scrutiny, I believe these actions constitute harassment, coercion, deceptive practices, and violations of federal law. At this time, I am formally requesting the following : - Full written validation of the alleged debt, including the original creditor and proof of authorization to collect - Immediate cessation of all phone calls and voicemails - No further contact with any third parties, including my family - A full investigation into the companys conduct Until proper validation is provided, I dispute this debt in its entirety. I am submitting this complaint to protect my rights and to request that appropriate action be taken regarding these practices. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
Complaint Against Remitly Failure to Provide Proof of Fund Delivery I am filing this complaint against Remitly regarding multiple transactions that I reported as fraudulent. On XX/XX/year>, I made several transactions through Remitly that I later identified as part of a scam. I contacted Remitly immediately on the same day to cancel the transactions. Remitly has provided inconsistent and contradictory information about these transactions. They initially indicated that some transactions were cancelled, and I received confirmation emails stating that certain transfers were cancelled. However, Remitly later claimed that some transactions were completed and delivered to the recipient. Despite my repeated requests, Remitly has failed to provide any verifiable proof that the funds were actually received or withdrawn by the recipient. Specifically, they have not provided : Proof of deposit into the recipients bank account Confirmation of withdrawal by the recipient Any official documentation showing completion of the transfer This lack of transparency raises serious concerns about the validity of their claims. Additionally, I reported the issue immediately after realizing the transactions were fraudulent. I acted in good faith and attempted to stop the transfers as quickly as possible. I am requesting that : Remitly provide verifiable proof that the funds were successfully delivered and accessed by the recipient OR Issue a full refund for the disputed transactions I also request a full investigation into Remitlys handling of this matter, as their responses have been inconsistent and unclear. This situation has caused significant financial loss and distress. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: ID

Complaint narrative:
I am submitting a formal complaint regarding the way overdraft fees are being assessed on Wells Fargo business checking accounts. Their system is posting pending transactions after hours, then immediately assessing overdraft feesalso after hourswithout any notification or opportunity to correct the balance. I have documented evidence, including screenshots, showing that my account reflected a positive balance at the time these fees were charged. This practice is not only misleading but appears fundamentally unfair to business account holders who are actively managing their cash flow. Additionally, their own customer service representatives are unable to clearly explain their overdraft policy. Multiple representatives have incorrectly stated that a XXXX grace period exists for business accounts, only to later confirmafter escalationthat no such grace period applies. The lack of internal clarity is concerning and reflects poorly on your operations. I currently maintain multiple business accounts with Wells Fargo.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My XXXX XXXX XXXX daughter tried purchasing a car she found on XXXX XXXX on XX/XX/XXXX XXXX the seller had a message on their page saying that they were unable to receive any messages on XXXX XXXX the seller had their XXXX address listed so my daughter was able to contact them that way. after communicating by email, my daughter was told the car was still available and after agreeing to buy the car that she would receive the sales receipt and it would go through XXXX. After the seller send the bill of sale, my daughter was told to go ahead and send the money through XXXX XXXX and to make sure she converts the money to XXXX which she did and was being reassured that everything was legit and she had nothing to worry about, the seller even provided her with the car 's VIN number that she was able to look up online which made her think that it was safe to send the money. She was told to wait until the seller received the money and after that she would get all the information for the shipping. once my daughter informed me about the situation I immediately got suspicious about it and contacted XXXX and they confirmed to me that it seemed that it was phishing attempt. My daughter filed a police report. I called my bank and reported the fraud and disputed it as well. We have contacted XXXX XXXX and were told that there was nothing they could do because the money was converted to XXXX and they supposedly could not return it. XXXX XXXX was no help at all, we at least expected them to investigate and find out who those people were because no one can open XXXX XXXX account without personal information. My bank gave me temporary credit at first and then they took it back saying that a purchase was made and they reversed the temporary credit. I have requested for another dispute and was denied again. My daughter was not aware of this sale being a scam and we never dealt with XXXX or know much about it. I have reported this scam to the FBI website and the Federal Trade Commision as well.

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 2026-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint regarding the handling of my credit card dispute by Bank of America. The transaction in question is a {$440.00} charge made at a restaurant in XXXX, XXXX, XXXX on XX/XX/XXXX 2026.I was misled into a high-cost transaction under unclear and deceptive pricing conditions. The charges were not clearly disclosed upfront, and I would not have agreed to the transaction had I been properly informed. This constitutes misrepresentation and deceptive business practices, not a simple dissatisfaction with service.I also attempted to file a police report in XXXX due to the deceptive nature of the transaction, although it was not formally accepted. I also identified multiple public reviews on XXXXXX/XX/XXXX from other customers describing similar experiences at the same establishment, including misleading pricing and tourist-targeted overcharging. This indicates a pattern of deceptive practices rather than an isolated incident. This case involves a service transaction, not a physical product. However, Bank of America denied my dispute on the basis that I did not return merchandise. This reason is not applicable and demonstrates that my case was incorrectly categorized and evaluated under an inappropriate dispute framework. It is not possible to return restaurant service after it has been consumed. On XX/XX/XXXX, I contacted Bank of America and was informed by a representative that a goodwill or internal credit request would be submitted on my behalf. However, I have received no confirmation, reference number, or update regarding this request. I have been a Bank of America customer for overXX/XX/XXXXyears and this is my first dispute ever. Despite my long-standing relationship and clean history, my case was denied without proper consideration of the nature of the transaction and the evidence provided. I am requesting the following : A re-evaluation of my dispute as a service misrepresentation/deceptive transaction case A review of the incorrect application of merchandise return reasoning Confirmation of whether a goodwill/internal credit request was actually submitted on XX/XX/XXXX, including any case or reference number A reconsideration of a refund for the {$440.00} charge based on the circumstances described Bank of America has failed to properly categorize and fairly evaluate my claim, resulting in an unjust denial. I respectfully request a full review and appropriate resolution of this matter.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Multiple missing transactions with approximately XXXX in funds received. Cash App closed my account without looking into the missing money offering no way to find a resolution to the problem and will not allow me to open another Cash App account. Never received the funds in the sum of approximately XXXX just closed my Cash App account.

Company response to consumer: Closed with explanation