vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account being reported by Southwest Credit Systems in connection with an alleged XXXX account in the amount of {$140.00} that recently appeared on my XXXX credit report. I do not recognize this account and have no knowledge of authorizing or opening XXXX services associated with this alleged debt. This account appears to be the result of potential identity fraud or mixed file reporting. The reporting of this collection is currently causing harm to my credit standing and active mortgage qualification process. Given the impact of inaccurate credit furnishing under the Fair Credit Reporting Act ( FCRA ), I am requesting expedited review and immediate removal or suppression of this tradeline pending validation and investigation. At this time, I am requesting : Documentation showing contractual responsibility for this account Documentation showing how this account was verified and matched to my credit profile Immediate removal of the tradeline if the account can not be fully validated as belonging to me Review of all furnished information for compliance with FCRA accuracy and verification requirements I am requesting expedited handling due to the financial harm this inaccurate reporting is causing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I'm trying to withdraw {$12000.00} from my USAA checking account. ( It's a big one-time withdrawal I know. ) I deposit $ XXXX two days ago and it posts to my account. I go onto the app verify, and up the limits to make the funds available for one day withdrawal. All verified. USAA has no direct branch in my area, so I start to harvest from various ATM-s. That is impractical, so I call USAA to figure better options. They suggest a Bank Lobby Transfer, great! I up the limits for that and go to my local XXXX branch. Super nice people, I try to withdraw and my account gets flagged for fraud from USAA. ( all proper actions taken, but even so, I'm still okay here, no problem yet ). I start calling USAA for resolution : No front line person can help me- they can't clear the errors, I go back to XXXX 4 times after receiving assurances that the problem is solved. Same error every time. I don't believe it problem is on the XXXX side, I continue to call USAA after every error and I receive mis-information ( lies ), no identification of the problem, no effective resolution and they have a one level escalation process to get next level help when there is a problem. That one level is more useless than the frontline help. My complaint is simple, I can't get my money, and I have no support from USAA to help get it, and I don't see any resolution coming or even consolation. Their idea of consolation is " I'm sorry you feel that way '' which I find patronizing and offensive. They are keeping my money and not giving me a way to get it. It boarders on theft. Thank you for your help.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was deceived by a scam and induced into sending XXXX XXXX payments from my Bank of America checking account. The total amount was {$1200.00}. These transfers were made because I was misled and believed I was protecting my account. Once I realized I was a fraud, I immediately contacted Bank of America and filed a claim on XX/XX/XXXX. Bank of America reviewed the claim and denied it- they told me today XX/XX/XXXX when I contacted then. Their explanation stated that the transactions were seen as authorized but they did not address the fact that the transfers were fraudulently induced. Under Regulation E, a transfer is unauthorized if the consumer was deceived and did not understand the true nature of the transaction. I requested that the bank treat these as unauthorized electronic funds transfers, but they refused to reopen the claim. I am requesting CFPB assistance to ensure Bank of America properly reviews these transactions under Regulation E and provides a complete explanation of their decision. Thanks.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My mortgage payment is {$820.00} a month. I Made a partial payment of {$400.00} XXXX towards my mortgage. Days later I signed in to my account and the {$400.00} payment was moved and applied to my principal on XX/XX/XXXX and my mortgage payment is now reflecting I owe the full amount {$820.00}. When I payed half of it already. I have called Rocket mortgage 3 times within a two week span and have spoken to 3 different agents who have informed me the problem would be fixed within 24 hours of speaking with them. But nothing is fixed and my account page keeps changing. Meaning they keep going into my account and changing my balances. It says my escrow is negative. - {$1500.00} and it is not! My mortgage payment has been reversed but not reflecting any payments, since XXXX. But my bank account shows that I have made the {$400.00} payment in XXXX. My next payment is due soon. I do not want to send over anymore money until my account is properly updated. I first called on XXXX XXXX was the agent No resolution so on XXXX called again, waited and still no update on my account I spoke to an agent yesterday XXXX, agent said it would all be updated in 24 hours. Still not updated. So now contacting CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Siwell Inc
State: TX

Complaint narrative:
My initial mortgage loan was with XXXX XXXX ; up until then I have had XXXX issues making my payments on time as I should. Around XXXX XXXX I received a letter from my current mortgage company, Capital Mortgage Services of Texas , which is where I am filing the complaint on the transfer of my mortgage which was to be made by them. At one point both companies wanted a payment in XXXX ; however, upon calling XXXX XXXX they advised the transfer of the loan would not be until XX/XX/XXXX, and so payments for XX/XX/XXXX and XX/XX/XXXX would be made to them. I made XX/XX/XXXX to Capital Mortgage because I spoke to them and they said the XXXX payment was applied to them ; however, Kind Lending at the same time was saying the XXXX payment was to be made to them. Imagine, both companies are asking me to make XXXX mortgage payments in XXXX to each one! Ridiculous! I made XXXX 's payment to Capital Mortgage and then it was determined that payment did belong to Kind Lending ; so, then Capital Mortgage then reversed this payment to Kind Lending ; this can be seen in the payment activity on my account. NOW my account with Capital Mortgage shows a missing payment which now they say it was the XXXX payment that belonged to them. I asked - you physically reversed that payment to XXXX XXXX and ever since then my account has been in a negative standing. I started making my payments to Capital Mortgage on XX/XX/XXXX ; since they transferred the loan around mid XX/XX/XXXX and ever since day XXXX - my account had a negative balance showing a missing payment. I have called numerous times to Capital Mortgage to get assistance to fix this issue and have simply been told they are waiting for XXXX XXXX to return the XXXX payment ( mind you they sent this payment to them to begin with ) all while my credit is being affected immensely. They have not been very helpful in trying to resolve this issue ; which they have caused as they were the company that purchased the loan. How is it possible that my account be in a negative standing at the initial transfer of the loan from XXXX company to the other? I don't understand this and how they do not feel more pressure to resolve this issue. I had no say so in this transfer and now because of their negligence, this is now affecting me as a consumer. I have called Capital Mortgage Services and only am able to speak to their secretary who states she can not transfer me to a lender as they do not have a phone, excuse me? A mortgage company that does not give you the ability to speak to a lender or someone else besides the company secretary. This is absolutely insane. I am filing this official complaint against Capital Mortgage Services of Texas located at XXXX XXXX XXXX XXXX, Texas due to XXXX assistance regarding the transfer of my home mortgage to their company which is now affecting my credit and potential loss of home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a phone call ( XXXX ) from a number that appeared to be associated with Wells Fargo on XX/XX/XXXX. The caller stated they were from the fraud department and emphasized that it was imperative I address an urgent issue. They informed me that there was suspicious activity on my account and that I needed to act quickly to prevent further problems. The caller then instructed me to move my funds between accounts I hold within the same bank, including transferring money into a savings account and a business account. At no point did I disclose how many accounts I have or who is associated with them ; however, the caller appeared to already have this information, including the names on the account, which led me to believe the call was legitimate. They then instructed me to send funds via XXXX to an individual identified as XXXX XXXX, whom they claimed was the Head of the Fraud Department. I was told this step was necessary to secure my funds and that the money would be returned to me. After completing the transfer, I requested confirmation and was told the funds would be returned within 24 hours. Upon returning home, I contacted the official customer service number listed on the back of my bank card to report the situation. I was transferred to the fraud department, and a claim was filed ( Claim # XXXX ). On XX/XX/XXXX, I received a letter stating that my claim had been denied, indicating that I was responsible for the transactions and that no further action would be taken. As a result, the claim has been closed. And my account was blocked because they stated i committed the fraud even though I reported it.

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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NE

Complaint narrative:
Subject : Request for Immediate Account Discharge Repayment History Since XXXX Complaint Text : I am writing to formally dispute the management of my federal student loans and request an immediate manual account audit. My loans originally entered repayment in XXXX, meaning I have been in repayment status for approximately XXXX years. I consolidated my loans in the XXXX, which improperly reset my payment timeline under old rules. Under the Department XXXX XXXX XXXXXXXX XXXX ( XXXX ) Account Adjustment rules, the government must look past that consolidation and give me full credit for my entire history back to XXXX. Furthermore, I was in direct contact with my servicer, MOHELA, during XXXX. No representative ever informed me about the one-time XXXX look-back correction or the critical deadlines that would have immediately XXXX my entire loan balance. MOHELA committed a severe administrative error by withholding this information from a borrower with a XXXX payment history. The maximum time required for complete federal loan forgiveness is XXXX or XXXX years. My history vastly exceeds this threshold. I request that the Department of Education and the FSA Ombudsman take the following immediate actions : Conduct a manual audit of my XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) file back to XXXX. Apply all retroactive look-back credits for my time in repayment, forbearance, and deferment. Issue an immediate and complete discharge of my remaining loan balance. Review my account for a cash refund of all overpayments made beyond my XXXX month of qualifying repayment. Please review my federal account data immediately to correct this multi-decade error. I look forward to your official written response within the required legal timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: MS

Complaint narrative:
On XXXX XXXX I received a deposit of {$2000.00} to my account. I went to use my account and my money was gone. There was an unauthorized transfer to an account/person I never heard of. I followed the process they have listed which was to change my password and report the matter. I requested call backs from management and nobody called me. I have sent proof that my account was accessed by someone else other than myself. The company told me they will not refund me even though my account was secured with a pin. Even though I called everyday and sent all proof that they asked for. I cooperated with them and this has caused me to be at risk of losing my home. Please help. Skrill is the company Im referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am submitting this complaint regarding a fraud dispute I have with Venmo. They have mishandled this case after I contacted them immediately about unauthorized activity on my account. On XX/XX/year>, 9 fraudulent attempts were made on my Venmo account. When I spoke to a representative from Venmo, I was told these attempts occurred in a matter of 80 seconds. As soon as I received nine emails from Venmo concerning this unauthorized activity, they froze my account and I filed a dispute. I received nine emails, 6 stating that 6 different transactions were denied, and 3 stating that 3 transactions were paid. The ones paid were in the amounts of {$500.00}, {$200.00}, {$100.00}. I was given no explanations why they blocked some transactions and not all of them when they clearly identified these as fraud. The next day, I got notice that they denied my claim and found in favor of this company, XXXX XXXX XXXX. I have never heard of this company or ever used crypto, in which these transactions were made. According to the representative I spoke that night, they successfully added XXXX to my businesses on my account. I didnt even know what that meant. I promptly reported these unauthorized transactions to Venmo, called my bank, removed my bank card from my account, and changed my passwords. When the transactions were pending on my bank account, my bank froze my accounts, and I needed to close the account, freeze my credit, report to the local police, and report to the government website for identity theft because I was not sure how much information was stolen from me. My bank investigated the incident as well and did a chargeback on XX/XX/XXXX for the funds in total of {$800.00}. Venmo then proceeded to tell me I had a negative balance of {$800.00}. On XX/XX/XXXX, my son sent me funds unaware of what I was going through, and Venmo took those funds to pay the negative balance. They took my money after I was scammed on their platform. It is so difficult to speak to someone directly at Venmo. Their chat platform is not helpful either, because each time I was told my case was being appealed and to watch my email for follow up, I get no information or follow up. When I reach out to check the status, I am told there is no appeal, after they tell me they escalated my case to an account XXXX. I cant get anyone to give me any information and I have no confirmation that my case is even being appealed. I lost {$800.00}, and I have done everything I can to get this resolved. I have the 9 emails sent to me and will include them in this complaint. They denied 6 transactions, yet allowed 3 to go through when they saw that this was unusual activity. And they took funds from me when my case was in dispute and my account suspended.can you please help me get this resolved?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I initially opened a personal account with Wise and began receiving transfers from clients through that account. Shortly afterward, Wise placed my funds on hold, stating that additional information was needed to verify the account. I was then advised by Wise representatives that, because the transactions were business-related, it would be more appropriate to open a business account in order to receive and transfer the funds. I followed their instructions and opened a business account. However, despite doing so, my funds were still not released. Since then, Wise has repeatedly requested additional documentation, including business verification documents, bank statements, invoices, and proof of identity. I have fully complied with every request and submitted all documentation asked of me. At this point, I have not been informed of any remaining missing information or additional requirements. Instead, I continue to receive vague responses stating only that the matter will be escalated and that I will receive a callback within a specified timeframe. For several consecutive days, I repeatedly contacted customer support after failing to receive the promised callbacks. During my most recent call, I was informed that a prior representative had failed to properly escalate the issue and that it was now finally being escalated. It has now been approximately a week and a half, and my funds approximately {$100000.00} remain inaccessible without a clear explanation or resolution timeline. This situation has severely disrupted my small business operations and placed my business on hold. I am requesting immediate assistance in resolving this matter and obtaining access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Buckles & Buckles, P.L.C.
State: TX

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: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One recently closed my account due to 'activity inconsistent with other users ' following multiple returned payments. This automated risk flag was the result of a technical clerical error, not financial insolvency or intentional fraud. I mistakenly linked an external bank account using incorrect routing/account numbers, causing the automatic transfers to bounce despite having sufficient funds.I have since remedied the payment issue. Because this was a strict clerical configuration issue, I request that Capital One 's Executive Office review this attachment, manually update my internal risk profile to remove any fraud/risk blacklist flags, and update the credit bureau reporting status for this account to 'Closed at Consumer 's Request ' to accurately reflect the situation. Or Even Better if theyd reopen my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

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 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