vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I obtained a {$3000.00} point-of-sale installment loan through PatientFi ( lender : Optum Bank, Inc. ; servicer : XXXX XXXX, XXXX ) to finance aesthetic services at Pure Indulgence Aesthetics in XXXX XXXX , California XXXX I received only XXXX of XXXX prepaid sessions. The provider then ceased operations after the XXXX issued Warning Letter XXXX XXXX XXXX XX/XX/year>, citing serious violations of the Drug Supply Chain Security Act. The XXXX found that Pure Indulgence administered unauthorized and potentially counterfeit botulinum toxin products obtained from unverified sources, and that unlabeled vials of botulinum neurotoxin type A were discovered at the facility. The owner has a documented history of obtaining unapproved products from foreign, unverified sources. I am invoking the FTC Holder in Due Course Rule ( XXXX CFR Part XXXX ). As the holder of this consumer credit contract, the lender is subject to all claims and defenses I could assert against the seller, including failure of consideration, breach of contract, and the seller 's regulatory violations. When I attempted to file a written dispute through XXXXXXXX XXXX online portal, the " New Message '' function only opens an AI chatbot. When I selected " Talk to a human, '' the chatbot responded with only a phone number, with no option for written communication or documented record. This effectively denies consumers a written dispute channel, which is a serious due process concern for a federally regulated installment loan. The loan also includes a deferred interest provision that converts to 32.74 % APR if not paid in full by XX/XX/year>, creating significant financial harm if the dispute is not resolved promptly. I am requesting : Cancellation of the outstanding loan balance and all accrued interest, including deferred interest Refund of any payments made Written confirmation of dispute and a case reference number No negative credit reporting during or after the dispute A documented written dispute process going forward I have the XXXX warning letter, loan documents, and provider closure documentation available to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY

Complaint narrative:
" I contacted Wells Fargo customer service yesterday, XX/XX/year>. The company only offered a partial courtesy refund of {$20.00} and told me to write to another department. Wells Fargo charged me a $ XXXX monthly in XXXX and XXXX, XXXX of XXXX and following $ XXXX monthly maintenance fee for XXXX consecutive months, totaling XXXX without prior notice or inactivity alerts. I am requesting a full refund of the remaining {$75.00} unfairly charged and the permanent closure of my account without any negative penalties. ''

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 2026-05-27 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: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
XXXX XXXX XXXX This issue Has XXXX prior complaints all for the same issue! This is the XXXX complaint Trying to finally resolve this issue that began nearly a year ago. I was using. Online XXXX bank account Through current bank That I used for a large XXXX Deposit. A week after I got the deposit in my current checking account. I received an email stating my account was suspended And they were seizing my money. It took me XXXX months and XXXX complaints with the XXXX XXXX which the complaint numbers are listed at the top of this description. It took current XXXX months or better to get to the point of acknowledging that I am owed a refund Check and since XX/XX/year> I have been waiting on current To send my refund check as promised however, I have have yet to receive it as well as even been provided with any Details regarding this refund check, details such as the date The check was issued, the check number, when the check was dispersed, when the check was processed, when the check was Released for delivery, When the check was finally delivered. I have repeatedly Requested This information from current On many occasions, at least XXXX times in the last month and still they still refuse to provide me with any of that information. This has gone on for long enough. I respectfully request that the check be overnighted with tracking capabilities, Even if I have to be the one that pays for this, I have no problem paying to get this taken care of. you say you handle all matters such as this with extreme Diligence yet, I still haven't gotten my refund check. I am also open to providing you with my account number and routing number for a separate checking account of mine to have the funds transfered electronically. Thank you So much for your time, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: LA

Complaint narrative:
I tried to get in touch with the NetSpend company about my dispute of the caregiving me the runaround so I just got tired and stopped trying I tried to tell them that I was having fraud problems with my name they would listen

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 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Early on in the XXXX trial payment period, I proactively contacted Freedom Mortgage to report a temporary payroll delay and change in financial circumstances affecting the timing of my initial trial payment. During those communications, I was specifically advised by Freedom Mortgage representatives that situations of this nature happen all the time, that I could simply reapply if necessary, and that my payment timing would likely be extended into the following month. I relied upon those representations in good faith while continuing efforts to stabilize my financial situation and maintain my mortgage obligation. At no time was I attempting to avoid my mortgage obligation or abandon the loss mitigation process. To the contrary, I proactively communicated with Freedom Mortgage regarding the temporary payroll issue early in the trial payment period and continued seeking assistance in good faith based upon the guidance provided to me. Following the denial of my XXXX loss mitigation review, I submitted a formal written appeal pursuant to the appeal rights outlined in Freedom Mortgages XX/XX/year> correspondence. The appeal deadline identified in the letter was XX/XX/year>, which fell on a Saturday immediately preceding a federal holiday weekend. My appeal was sent timely and delivered via tracked mail on Tuesday, XX/XX/year>, the next business day following the holiday closure. However, I was subsequently advised that the appeal may not be considered because it was not physically received by XX/XX/XXXX despite the intervening weekend and federal holiday. I respectfully request review of : XXXX. Whether XXXX servicing guidance and the XXXX limitation have been properly applied to my specific circumstances following XXXX unsuccessful trial payment arrangement ; XXXX. Whether I was provided accurate information regarding my ability to reapply following the temporary payroll delay ; XXXX. Whether the rejection of my appeal based upon delivery timing during a federal holiday weekend is consistent with reasonable servicing and procedural standards ; and XXXX. Whether my file has received a full manual review considering my documented change in financial circumstances and present ability to sustain payments moving forward.

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 2026-05-27 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:
My mobile number is restricted in the XXXX XXXX XXXX, preventing me from enrolling the number with XXXX XXXX . Wells Fargo fraud/escalation team previously acknowledged that a restriction exists and opened a case ( number XXXX issued while calling and a letter with a different case number XXXX issued by a letter from Wells Fargo ) regarding a suspected fraud flag from approximately XX/XX/year>. However, after multiple calls, Wells Fargo is now redirecting me to XXXX XXXX XXXX and XXXX, while XXXX XXXX and XXXX state Wells Fargo must resolve the restriction. I have spent many hours contacting all parties without resolution. I have never knowingly engaged in fraudulent activity and request that Wells Fargo coordinate directly with XXXX XXXX to clear or release the restriction associated with my mobile number. I request : Written confirmation of the restriction status Clarification of which party controls removal Removal of the restriction if no verified fraud exists Confirmation that my number can be enrolled with another bank Best regards, 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 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC
State: AZ

Complaint narrative:
I attempted to call the company and speak regarding their frequent calls and hostile voicemails, where I then spoke with somebody and asked for full details and breakdown of the debt owed and interest where I was then transferred to another representative who continued to scream at me cuss at me call me stupid and tell me that she doesnt have to provide anything and I need to pay it or theyre gon na ruin my credit. I asked to speak to someone else and she laughed at me and said report me I dont care and I told her I would be filing a complaint and she said go ahead. Im not scared of anybody and were not scared of you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
I am filing a complaint regarding an Affirm purchase through XXXX in the amount of {$35.00} on XX/XX/year>. The item was intended to be an XXXX gift for my granddaughter, but I never received the merchandise. I filed XXXX separate disputes with Affirm and provided all proof and documentation available regarding the missing package. Despite this, Affirm ruled in favor of the merchant and continues to hold me responsible for payment on merchandise I never received. I was also told that a replacement order was offered or sent, which is not true. I was never offered a replacement item at any time. In addition, the customer service experience was very rude and unhelpful throughout the process. I do not believe I should be required to pay for a product that was not delivered to me. I attempted to resolve the issue directly with Affirm through their dispute and appeal process, but my claims were denied. I am requesting assistance in reviewing this matter and correcting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I received a phone call from an imposter claiming to be from the Citibank XXXX Department. They asked if I was in Florida and when I told them I was not, they proceeded to explain that fraud activity was happening on my account. They had me log into my Citibank app and I was able to confirm there were indeed recent fradulant charges. The imposter then told me they were going to verify my account secirty & directed me to complete some transactions through the app. In those transactions, I unwittingly transfered money to the imposter XXXX times. I opened claims for both of these with Citibank. XXXX claim for {$500.00} was already accepted & refunded by Citibank, but XXXX for {$5000.00} has been continually refused without acknowledgement of the facts and without providing the documentation that I asked for multiple times. The investigation completion/determination letter simply states that the transfer was for the correct amount and to the correct person. It does not address the fact it was part of a larger scam that included various fraud activity, that the scammer impersonated a Citibank official and that the transfer happened within the Citibank app. I am beyond frustrated in this and feel like Citibank is giving me the same generic answer without even trying to 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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
Im writing to file a complaint against ALDOUS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because there are currently XXXX collection accounts being reported on my credit reports that are the result of identity theft. I did not open, authorize, or benefit from these accounts in any way. I have already disputed these accounts multiple times with the credit bureaus and the collection agencies, and I have also explained that they are fraudulent accounts related to identity theft. Despite my previous disputes and reports, the accounts continue to be reinserted and reported again, causing serious damage to my credit history and financial stability. I am requesting a full investigation into these fraudulent accounts and the improper reinsertion of inaccurate information on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), inaccurate accounts resulting from identity theft should not continue to be reported once they have been disputed and investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I am filing a complaint against the XXXX Department of Education for failing to properly update and correct my credit reports after my federal student loans were XXXX under a lawsuit settlement and XXXX XXXX approval. My XXXX XXXX application was approved for full discharge, and the Department of Education is required to : Discharge the loans Cease all collection activity Notify all credit bureaus Remove all negative credit reporting Delete all tradelines associated with the XXXX loans Despite this, the Department of Education has not notified all credit bureaus, and the federal student loan tradelines remain on my credit reports. This is causing ongoing harm to my XXXX XXXX and financial opportunities. This failure violates : FCRA XXXX ( a ) ( XXXX ) duty to correct and update information FCRA XXXX ( a ) ( XXXX ) ( A ) prohibition on reporting inaccurate information XXXX XXXX discharge requirements The terms of the lawsuit settlement I have attempted to resolve this directly with the Department of Education, but they have not corrected the reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services , Inc . Attn : Debt Validation Department Re : Debt Validation Request To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : The name and address of the original creditor ; The total amount of the alleged debt, including any interest, fees, or other charges ; Documentation showing I am legally responsible for this debt ; Proof that Sunrise Credit Services is authorized to collect this debt ; and Copies of any signed contracts, agreements, or account statements supporting the claim. Until you provide proper validation, I request that you cease collection activity concerning this matter and communicate with me only in writing. Please note that this letter is not a refusal to pay, but a request for verification and validation of the alleged debt. It is also not an acknowledgment or acceptance of liability. I expect your written response within the time required by law. Sincerely, 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