vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Momnt Technologies, Inc.
State: MD

Complaint narrative:
I signed a contract with XXXX XXXX XXXX, fraudalent company which used MOMNT for home improvement credits. They charged me XXXX USD cash deposit + XXXX credit deposit that MOMNT transferred to the contractor 's account directly.The contractor never replied to me nor showed up for any job in my house. While reporting this issue to MOMNT I raised the claim that the contractor was fraudalent and was using MOMNT credits to ask money from people. There was a bunch of people scammed by this contractor using this credit service. When I reported the situation, MOMNT suspended my credit.After a year of visits to court, the Judges in XXXX XXXX XXXX, in the state of XXXX, held contractor accountable for his actions, determined he was guilty and should be responsible for the damages. Now, MOMNT is asking me to pay the credit amount transferred to the contractor account and not to my account.They claim the case was reviewed but they never called me or gave me an status for this case and how they arrived to the conclusion that I should be responsible for that payment. Until XX/XX/year>, MOMNT resolution was that I should pay for the balance of the credit. Again, the money never arrived to my account and I will not pay. I have asked MOMNT support to explain this and since then it has been months without a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargo 's denial of reimbursement for fraudulent debit card transactions totaling approximately {$1400.00}. 

On XX/XX/year>, I attempted to purchase a puppy from an out of state entity that presented itself as a legitimate agency XXXX XXXX XXXX. Payment was made using my Wells Fargo debit card via XXXX XXXX ( {$650.00} ). The following day, I was contacted by the shipping company ( XXXX XXXX  and was asked to make another payment for shipping and delivering the puppy to me in CA. I made another payment of {$780.00} and was then asked to pay insurance of {$900.00}. Shortly after the last transaction was completed, I discovered that the entire transaction was a scam. No puppy or legitimate services were ever provided. 

Wells Fargo denied my claim, stating that the " merchant in dispute is a third party merchant whose responsibility is to transfer funds between two parties '' and that the funds were " transferred to the recipients successfully. '' This explanation is inadequate and does not address my dispute. I paid for good that were never delivered, based on materially false representations regarding the legitimacy and identify of the merchant. This was a fraudulently induced transaction, not a legitimate payment for good and services. 

Wells Fargo has failed to clearly explain : XXXX ) Whether this transaction was processed as a card-network merchant transaction or as a peer-to-peer transfer. 2 ) The specific regulatory bases under Regulation E for denying reimbursement. 3 ) How a transaction induced by fraud and involving non-delivery of goods is excluded from consumer protections. 

I acted promptly, responsibly, and in good faith by notifying Wells Fargo immediately, I believe Wells Fargo failed to conduct a reasonable investigation as required by the Electronic Fund Transfer act ( Regulation E ), ad improperly shifted all liability to me without sufficient justification.

I believe Wells Fargo has the responsibility to 1 ) Reinvestigate the disputed transactions. 2 ) Provide a clear written explanation citing the specific regulatory and contractual basis for any denial. 3 ) Reimbursement the fraudulent transactions totaling {$1400.00}. 

Also, the phone calls received from Wells Fargo are futile. They merely indicated that I should have used my credit card for the above transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
To Whom it may concern, I currently hold a lease from Kia XXXX for a XXXX XXXX XXXX. This lease originated on XX/XX/year> and I have paid every month, on time and in full. I have AutoPay setup on the account, and have done since lease origination. 

Fast forward to XXXX, and I get a call from Kia Finance to say that I am overdue by 32 days on my bill, and that I owe {$670.00} for something that they can not explain. After the phone-rep spends time digging around, they determine that the amount I owe is due to Property Tax. Paying the balance is not the issue, and in fact upon Kia calling me to tell me I was late on this payment, I paid it immediately online to settle the balance in full. 

I asked the Phone-rep, " why was this amount not automatically deducted from my bank subject to the Auto-Pay I have on file with you? '' and they could not explain it, and in fact refused to investigate it any further and forced me to pay before ending the call. 

I am attaching a screenshot of my autopay setup, which in plain view says " Monthly Payment Amount : Total Amount Due ''. I do not have it scheduled for a specific amount, it is scheduled for whatever the total bill is that month, to avoid this situation specifically. 

At this time, I am requesting that Kia XXXXXXXX remove the 30 day late payment from the records so that my credit score is not negatively impacted as I had been, and continue to be an on-time paying customer. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX of this year, at my request XXXX XXXX XXXX sent me a bill for {$310.00}. I called them because I had noticed my credit score was doing down, and they told me it was a debt from XXXX XXXXXXXX. I explained that in XX/XX/2024 I had a balance of {$26.00} which I paid in full over the phone after I called to have a late charge removed, they gave a final balance to bring the account to XXXX, and I never used the card again. I called to request a dispute to investigate the case, but they never contacte me to inform that the dispute was no approved. On XX/XX/XXXX I called XXXX XXXXXXXX directly and spoke with a representative XXXX, who told me that I do no have any debit with XXXX XXXX or any transaction after XX/XX/2024. She gave me a phone for Barclay Bank and explained that they are now the ones handling the XXXX XXXXXXXX card. I called this company, and they told me they could not give me any information at all. I called XXXX XXXX again, and this time they told me that the alleged purchase supposedly tool place in XXXX XXXX but they could not provide information about the amount .and they told me there was nothing that could be done, that I simply had to pay. My question is why, after a year, I only found out this by chance.XXXX XXXXXXXX had my contact information never informed me of any problem,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I pulled my credit report XX/XX/XXXX and XX/XX/XXXX to see what was reporting because I was told that someone came looking for me with Synchrony. And I was making payments to them when I had the card. So balance is lower than what the credit report is showing. 
I called Lowes customer Service on XX/XX/XXXX they state account is with XXXX XXXX XXXX 
XXXX Credit report showing Synchrony and XXXX XXXX XXXX XXXX 

They state they don't have the account. XXXX. The balance is showing XXXX on credit report. The balance should be lower because I was making payments. XXXX because Synchrony lowered my credit line to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NV

Complaint narrative:
I am a victim of fraud and a resident of Nevada. I am attempting to settle a negative balance of {$800.00} on my Kraken account XXXX ID : [ XXXX ]. I have contacted Kraken support repeatedly ( XX/XX/XXXX Case # [ XXXX ] and XX/XX/XXXX Case # [ XXXX ]. 

Kraken has locked my account access, making it physically impossible for me to pay this balance. Despite my explicit requests to pay and resolve this, Kraken support has only provided automated responses stating a 15-35 day wait time. This delay is causing me financial distress and preventing the resolution of a fraud-related debt. I am ready to pay immediately once access is granted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Initial Complaint My Name is XXXX XXXX and myself and my nephew who has been in the XXXX XXXX XXXX XXXX years have been doing research on my problem that seems to be going nowhere so far in XXXX and now XXXX. 

The nature of this complaint is my house burnt down to the ground in XX/XX/XXXX and I can not rebuild a new structure for the servicing company and investor is requiring me to rebuild the new home at the same size square footage as the prior home ( XXXX sq. ft ) that burnt down and the money allotted from the insurance settlement will only allow to build smaller place about XXXX Sq. Ft. 

My nephew and I have made a lot of inquiries on lending industry chat sites about my situation and did searches on XXXX XXXX XXXX XXXXXXXX and all info we found and was also offered is the servicing company, Shellpoint, and their investor can not make a request of this nature. I do not have the funds to cover the cost of the extra XXXX sq. ft. they are requesting. XXXX Sq. Ft. is the maximum that can be built based on the bids I have received. 

I have all the original XXXX XXXX XXXX XXXXXXXX XXXX loan documents and there is nothing in the paperwork that gives them the right to make this request that I can see from reviewing it. 

My opinion on why they are making this requirement I had a loan modification in XXXX and {$97000.00} of the loan balance was deferred with no interest accruing, so I believe Shell Point and their investor are using this to build the original size sq. ft. position so they can force me to sell the place so investor can recoup this money. 

Investors and servicing companies, as I have been educated, are bound to the same XXXX XXXX XXXX XXXX as the original lender whom drafted the paperwork and can not change them to fit their desires. Also, the loan modification was drafted in XXXX XXXX XXXX XXXX and nothing again in print for me having to build the same sq. ft. if it burnt down. 

This is my contact I have been communicating with for your reference : XXXX XXXX Loss Draft Associate Loss Draft Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX : XXXX I am living in a trailer on the land that is very small and can get cold and this whole ordeal is causing me XXXXXXXX XXXX XXXX and ruining my quality of life. I am XXXX so this is a lot to try and handle, hence I am filing this complaint. 




Contact info : XXXX 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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Credence Resource Management reported a collection account in the amount of {$460.00} to XXXX  for an alleged XXXX XXXX XXXX debt that I do not recognize. I never received any written notice, validation letter, billing statement, or initial communication from Credence before this account was placed on my credit report. I was not given notice of my right to dispute the debt, nor was I provided any opportunity to request validation prior to credit reporting. More than XXXX  days ago, I formally requested validation and proper notice, yet Credence has still failed to provide any documentation or proof that this debt is valid or that they have the right to report it. Failure to provide the initial notice alone is a statutory FDCPA violation carrying up to {$1000.00} in damages, independent of any additional harm. Because Credence failed to timely cure these violations, I am requesting immediate deletion of this account from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX sold an old account of mine to Midland Credit, and I want all collection activity on that account to stop. I can not pay any old debts because my only income is XXXX, and continued collection attempts create serious hardship. I have been receiving repeated calls from multiple similar numbers, and some of the information used by collectors has been inaccurate. In the past, collectors contacted employers I never worked for and placed a lien in XXXX XXXX without ever serving me papers. One alleged balance was originally around XXXX dollars and has been increased to XXXX dollars without explanation. I also had issues with XXXX XXXX, where the required computer failed within months and they did not assist me. My student loans were later XXXX due to XXXX, so any attempts to collect on those should not be happening. I have been trying to manage my current financial responsibilities, but I can not take on old, invalid, or unverified debts, especially those that were never properly validated or legally pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
An international wire transfer was not credited to my Wells Fargo account, despite confirmation from the senders bank that the funds were successfully delivered. After noticing the delay, I contacted my bank ( XXXX Wells Fargo ). Following a review with their payments team, they confirmed that the funds were not received on their end and that there are no issues with my account. They advised me to contact the sender or the transfer platform for further clarification. Based on this recommendation, the sender, who is in XXXX, XXXX, visited her bank to request a recall of the funds. However, her bank reconfirmed that the payment was successfully credited to my Wells Fargo account on XX/XX/year>. Additionally, the intermediary bank involved in the transaction is XXXX XXXX XXXX. At this point, I have already fully delivered the agreed-upon service to my client, and it would be unreasonable to continue requesting follow-ups from her regarding payment that her bank has repeatedly confirmed as successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding incorrect and inconsistent funds-availability information provided by Citibank, which has caused financial harm. 

On Friday, XX/XX/XXXX, I contacted Citibank customer service regarding a deposited check. I was told by a customer service representative that the funds would be available on Monday, XX/XX/XXXX. During that call, I explicitly informed the representative that the check had already cleared the issuing bank on XX/XX/XXXX. 

On Monday, XX/XX/XXXX, the funds were still not available. I then contacted the Citibank XXXX branch and spoke with a representative named XXXX, who stated that if Monday was considered the third business day, the funds would be available on Tuesday, XX/XX/XXXX. 

On Tuesday, XX/XX/XXXX, the funds were still unavailable. I contacted Citibank customer service again and was told that the funds were not available until XX/XX/XXXX, which again proved incorrect. I informed the representative that I had made financial arrangements and scheduled bill payments based on the availability dates Citibank had provided. Because of this information, I scheduled and authorized payments totaling {$550.00}, relying on Citibanks representations that the funds would be available. 

I requested to speak with a supervisor. The supervisor, XXXX, stated that Citibank did not extend the hold and that the issuing bank had extended the hold until XX/XX/XXXX, and that Citibank could not release the funds because the issuing bank had not done so. Their hands are tied. 

Because this explanation conflicted with earlier statements, I contacted the issuing bank directly. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) confirmed that the check was fully cashed and settled on XX/XX/XXXX and that no holds were placed or extended on the funds at any time. 

I then contacted Citibank again to report that the issuing bank confirmed no hold existed and that the funds had been fully released. I asked why Citibank had provided incorrect information and specifically why a supervisor attributed the delay to the issuing bank when that information was false. I spoke to another supervisor, XXXX and I requested a courtesy credit due to the financial harm caused by this misinformation. Citibank stated that they could not provide any courtesy credit. 

As a result of Citibanks repeated misinformation, shifting availability dates, and misattribution of the hold to the issuing bank, I have experienced cash-flow harm and am now at risk of returned payments, fees, and additional financial consequences related due to my paycheck in the amount of {$2200.00} not being released.

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