vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/year>XXXX at approximately XXXXXXXX XXXX, I, XXXX XXXX XXXX XXXX, submitted a money transfer of {$2800.00} to a family member, XXXX XXXX XXXX XXXX, through a XXXX MoneyGram location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX This transfer was intended for the purchase of a vehicle located in North Carolina. I was initially told the transaction would take approximately 10 minutes to complete. However, it has now been delayed for over three days. This has caused significant inconvenience, as the vehicle I intended to purchasefound on XXXX XXXX be sold due to the delay. Both the seller and my family member were prepared to complete the transaction immediately, and the only remaining step was the transfer of funds. Despite contacting MoneyGram multiple times, I have not received any meaningful resolution. Representatives have only collected my contact information and instructed me to wait, without providing clear updates or timelines. Additionally, I was denied the opportunity to speak with a supervisor, and one representative refused to provide identification. I have recorded conversations where I was given conflicting or misleading information. At one point, a representative attempted to convert my issue into a refund request, which would take up to 14 days, instead of addressing the original transaction delay. As a XXXX XXXX, I am not consistently in one location and may not be able to return to the original XXXX location to retrieve my funds if required. This situation has created unnecessary hardship and stress. I am requesting a prompt resolution to complete my transaction as originally intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute incorrect information reported by AFFIRM INC on my credit report. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. The account in question is ending in XXXX with a balance of {$340.00}, which is currently listed as derogatory on my XXXX report. On XX/XX/XXXX, I noticed this incorrect information while reviewing my credit report. I immediately filed a dispute through the bureau 's online portal regarding the inaccurate account details, but the issue remains unresolved. The derogatory status of this account is significantly impacting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This erroneous information is causing undue harm to my creditworthiness and financial stability. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. It is the responsibility of the data furnisher, AFFIRM INC, and the credit reporting agencies to ensure that the information they report is accurate and complete. However, despite my previous dispute on XX/XX/XXXX, the inaccurate status of this account persists on my XXXX report. I am requesting the complete removal of this account from my credit reports with all three major credit bureausXXXX, XXXX, and XXXX. This correction is crucial to ensuring my credit report reflects only accurate and complete information. Additionally, I would appreciate confirmation in writing once the removal has been completed. Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
PAID IN FULL REMOVE IMMEDIATELY, this has already been resolved reporting to the ftc again. I already paid this bill yet they keep harassing me and placing this erroneous charge on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ

Complaint narrative:
I took the loan out XX/XX/XXXX, XXXXand everything was completed online and opted to receive everything electronically. I have gone to the website several times since XX/XX/XXXXXXXX but could not sign into my account and did not even know my account number. Finally, I reached someone in XXXX who told me the balance. I was shocked to learn that even after making payments on time that my balance was not going down. I reached out again to them in XXXX and requested the balance again and my signed documents. I inquired why I could not access anything online, and they indicated they do not have anything for consumers online other than an application. I inquired about my billing statement and payment history to see how the payments were applied and they sent me an amortization schedule and indicated they are not set-up for billing statements or payoff information and that I can refer to the amortization statement. After reading through the documents, I realize that this loan hinges on predatory which I am surprised since this is a bank loan XXXX XXXX XXXX. I got this loan to pay federal taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am disputing the inaccurate reporting and deceptive collection attempts for Possible Financial ( Account # XXXX ). XXXX reports this account was " Charged Off '' as of XX/XX/year>. However, on XX/XX/year>, I received a solicitation from " XXXX '' attempting to settle a {$500.00} balance for {$250.00}. This constitutes deceptive reporting and a violation of the FCRA. I have not been provided a validation of debt or proof of legal assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding an unresolved fraud claim involving my checking account with Citibank. In XX/XX/XXXX, a loan was disbursed into the account. On the same day, a teller withdrawal in excess of {$20000.00} was processed from that account. This transaction is unauthorized and is being disputed as fraud. Based on the circumstances, there is concern that the transaction may have involved internal misconduct, as it was conducted in person at a branch and should be supported by clear identification procedures and surveillance footage. Upon discovering the issue, I promptly notified Citibank and filed a fraud claim in XX/XX/XXXX. Since that time, I have made numerous follow-up calls requesting updates and resolution. I have consistently been told that the investigation would take up to 90 days. As of XX/XX/XXXX, more than 90 days have passed, and I have not received a determination, explanation, or reimbursement. I have also not been provided with a valid reason for the delay beyond the stated investigation timeframe. This lack of resolution is unacceptable given the nature of the transaction. A teller withdrawal of this size should be straightforward to verify through internal controls such as teller logs, identity verification records, and branch surveillance footage. Due to the prolonged delay and lack of transparency, I am now pursuing a police report, as I am concerned about the possibility of negligence or misconduct contributing to the unauthorized withdrawal. I am requesting that Citibank take immediate action to : 1. Conclude the investigation without further delay 2. Provide a clear written explanation of findings 3. Reimburse the full amount of the unauthorized withdrawal This matter has been ongoing for an excessive period, and I expect prompt resolution.

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 2026-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a complaint regarding XXXX failure to properly investigate and resolve a fraudulent transaction dispute. I purchased an item through XXXX for {$360.00}. The seller used fraudulent tracking tactics to falsely show delivery. Despite clear evidence that the item was never delivered to my address, XXXX denied my claim solely based on a delivered status. After placing the order, the seller provided multiple tracking numbers that were inconsistent and fraudulent : The first tracking number showed delivery in Maryland, while I reside in Alabama. The second tracking number showed delivery within my ZIP code, but not to my address. This is a known scam pattern where sellers manipulate tracking to show delivery within the same ZIP code to bypass protections. Key Evidence of Fraud Confirmed Delivery to the Wrong Address USPS confirmed the package associated with the second tracking number was delivered to : XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX, AL XXXX This is a completely different residence approximately 3 miles away. DISPUTE SUMMARY- FRAUDULENT TRACKING - ZIP CODE XXXX Multiple Conflicting Tracking Numbers One package shows delivery in Maryland Another shows delivery in Alabama This inconsistency is clear evidence of fraudulent activity. DISPUTE SUMMARY- FRAUDULENT TRACKING - ZIP CODE XXXX Package Weight Mismatch The purchased item is a large XXXX collectors set weighing over XXXX pounds. The tracking information corresponds to a small parcel, which is inconsistent with the item purchased. DISPUTE SUMMARY- FRAUDULENT TRACKING - ZIP CODE XXXX Shipping Origin Discrepancy The seller is based in XXXX XXXX but the second package originated from Texas , which further indicates manipulation of tracking information. DISPUTE SUMMARY- FRAUDULENT TRACKING - ZIP CODE XXXX Issue with XXXX Investigation XXXX denied my dispute stating the item was delivered, but : They did not verify the delivery address They ignored USPS confirmation of misdelivery They failed to consider multiple fraudulent tracking numbers They refused to provide a written explanation of their decision This does not meet the standard of a reasonable investigation under the Fair Credit Billing Act. Resolution Requested I am requesting that XXXX : Reopen and properly investigate this dispute Acknowledge that delivery to a different address does not constitute valid fulfillment Issue a full refund of {$360.00} Supporting Documentation I have already provided XXXX with : USPS tracking records USPS confirmation of delivery to a different address Screenshots showing conflicting tracking numbers Evidence of item weight discrepancy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am writing to formally dispute this debt as it is both inaccurate and time-barred under Alabamas statute of limitations. Because this debt is legally uncollectible, I demand that you immediately cease all collection activities and remove this item from all credit reporting bureaus. Under the FDCPA, do not contact me again regarding this matter except to confirm the account is closed and the records have been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I deposited XXXX separate checks for {$400.00} each via mobile deposit. I made these deposits in good faith, believing I was participating in a legitimate business opportunity. It has since become clear that I was the target of a deceptive induced fraud scam. The checks have been returned unpaid, resulting in a negative balance and a series of returned item fees. I have not yet contacted Wells Fargo because I was overwhelmed by the financial impact and the realization of the scam. However, the bank has now frozen my access to the account, which contains unrelated personal funds that I need for essential living expenses.

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 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I signed up with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX which i never was provided. I called the company several times to correct this issue. I. Was told that they could not provide high speed internet service at my address. The technician stated the only service they can provide me is XXXX mbs not high speed internet connection. XXXX XXXX continued billing me for high-speed internet which they did not and could not provide me. My account has now been sent to a XXXX XXXX collection agency, they claimed an incorrect amount which was including equipment that was returned 10 months ago XX/XX/year>. After calling XXXX XXXX XXXX to complain about the balance they finally took off the equipment charges but are refusing to remove the derogatory mark from my credit for a disputed balance I am aware of the class action suits against XXXX XXXX XXXX and Multiple state Attorneys complaints for deceptive marketing, poor service, and fraudulent billing as well as FTC XXXX ( XXXX ) : The Federal Trade Commission and several states sued for charging customers for high-speed internet they did not receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: MI

Complaint narrative:
I contacted Way2Go card services on XX/XX/year> and ordered a replacement card for my Michigan XXXX XXXX account and was told it would take up to XXXX business days. After more than XXXX business days, the card had still not arrived, so I called again on XX/XX/year> and requested an expedited card, since Way2Go does not allow any funds to be transferred without an active card. The agent told me I was to receive the card in XXXX business days. The card did not arrive, so I contacted them again on XX/XX/year>. The agent said that the card was never expedited, but sent out regular mail with up to XXXX more business days of shipping time. I asked to have another card expedited, but she said she was unable to do this for some reason and told me to find a local office and figure it out. I asked her where a local XXXX office is, and she said to XXXX it. I still do not have access to any of my funds and do not know where to go or how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: IL

Complaint narrative:
I am filing a complaint against Klarna regarding a return that has not been properly processed. I purchased an item using Klarna and returned it in-store at XXXX XXXX XXXX XXXX XXXX XX/XX/year>. At the time of return, the Klarna order was still in processing status. Klarna later captured the full payment on XX/XX/year>. I think this created a system error where the return occurred before Klarna finalized the transaction, and Klarna has failed to link the return to the charge. The merchant XXXX XXXX XXXX ) has provided full written confirmation of the return, including transaction ID, timestamp, employee name, and receipt. I have attempted to resolve this issue with Klarna XXXX times, but they continue to deny the return and are charging me for an item I no longer have. Klarna is currently holding my {$390.00} payment and expecting additional payments totaling {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
DESCRIPTION OF EVENTS : November 611, 2025 : History of Material Misrepresentation During a pool inspection for a home sale to XXXX XXXX, XXXX XXXX and XXXX issued a quote for {$1400.00} in " required '' repairs, including pool lights and a union kit replacement. I proved the pool lights were functional to the owner, XXXX XXXX, after demonstrating how to operate them. The lights were then retracted from the XXXX. XX/XX/year> : Failed Repair and False Diagnosis I contacted XXXX XXXX and XXXX to perform the union kit replacement that they had previously quoted as a required repair. Instead of replacing the kit, the technician merely tightened a gasket ; no parts were used or needed. I only authorized this visit based on the contractor 's prior professional quote stating the kit needed replacement. I am effectively being charged a service fee for the contractor coming out to retract their own second false diagnosis. XX/XX/year> : State Regulatory Finding I submitted a complaint with the Arizona XXXX ( Case # XXXX ). The XXXX issued a dismissal letter stating that for the primary allegations, " work... was not performed for compensation ''. This is a formal finding that no billable contract was fulfilled for the quoted repairs. XX/XX/year> : Debt Collector Misrepresentation The debt collector, Paid in Full, Inc. ( Ref # XXXX ), is attempting to collect {$150.00}. In a letter dated XX/XX/year>, the collector willfully misrepresented the XXXX XXXX dismissal as a " clearance '' of workmanship, while ignoring the state 's official finding that no work for compensation occurred. I am disputing this debt. It is a charge for a repair that was never performed, following a documented history of XXXX separate false professional diagnoses by XXXX XXXX and XXXX XXXX owner, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint regarding an electronic debit from my checking account at USAA. On XX/XX/year>, USAA debited {$2600.00} from my account for a USAA life insurance policy renewal. My prior premium was $ XXXX. T his represents a XXXX increase. I did not knowingly authorize a debit at this new amount. I contacted USAA within XXXX hours to dispute the charge, revoke authorization for the debit at that level, and request return of funds. USAA has refused to provide provisional credit and has stated that funds will be held for approximately XXXX days due to internal processing timelines. This delay restricts access to my funds despite a timely dispute of a materially changed transaction amount.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by a Wells Fargo impersonator and my bank rejected my claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested a new debit card because mine was used fraudulently for a bunch of charges as well as my credit card, bank of America received my identity theft and fraud report and issued me new cards in late XXXX, as of XXXX I couldnt access my account and after 6 years with no issues they want to close my account i had a XXXX XXXX and almost a XXXX because of this

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 2026-04-22 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: Selene Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I was behind approx XXXX past due because of hardships at my home I called Selene finance to cure loan and was told no I didn't have any authority to deal with the loan the previous loan company sent over information to selene finance that I was successor of interest and I made payments up to XX/XX/XXXX XXXX until blocked from making payment I made several calls to try to correct their mistake and finally I believe late XXXX XXXX they started asking for documents for a loss mitigation process and sent several documents they asked for Everytime I sent documents a week would go by then more documents were requested as of XXXX XXXX XXXX I haven't been or finished loss mitigation process and a foreclosure date was set XXXX a foreclose date was set for XXXX XXXX XXXX I feel that they have violated my rights as successor in Interest according to XXXX XXXX XXXX CFPB servicing rules RESPA XXXX and the XXXX XXXX XXXX XXXX installation act of XXXX, discrimination against a borrows relative upon their death in closing if feel this company has broken federal laws and I need relief from the injustice they have put apon me also in a answer from a Attorney XXXX XXXX if Arizona in their answer they admitted and apologized for the mistake their staff did but are continuing with the foreclosure act thank you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation