vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported this before Wells Fargo lost my savings account after they had linked my XXXX XXXX social security debit card to my Wells Fargo account and was having an electronic transfers from my XXXX XXXX card to the Wells Fargo savings account that I opened so that I would have a savings account and when I got the direct deposit from my back pay from social security I had that it was transferred from my XXXX XXXX card to my savings account I Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX court and forced to give over my fund and XXXX XXXX XXXX XXXX XXXX My money and I woke up in the XXXX with nothing and I had both of my card stolen and {$7000.00} was gone for my XXXX XXXX card and had XXXX left in my Wells Fargo account savings account when I called Wells Fargo to report the XXXX the next day on XX/XX/year> on XX/XX/XXXX or XXXX 2024 I reported this to Wells Fargo and the person who answered the phone asked if I wanted to freeze my account and I didn't know what to say so I said yes and he XXXX my savings account and my XXXX of my over XXXX that was in my savings account with missing in my whole account with XXXX and I lost all of my social security back pay which was over XXXX plus XXXX. I haven't been reporting this for almost a year and a half to XXXX years now and they still won't do anything and they still at my account in the negative and won't credit me any money for the {$30000.00} or for the recent XXXX that have occurred from me being XXXX XXXX still and I went to XXXX for XXXX after being XXXX before this and I am a XXXX XXXX XXXX XXXX still because I owe my landlord {$1800.00} back rent and the bank didn't take my claim seriously and they won't provisional credit me the {$1800.00} my account is negative {$50.00} right now and they said I said the wrong thing and I didn't know what to say I had to ask a chat XXXX robot what to do because I'm going to lose my housing because I can't pay my rent to my landlord because the bank won't refund the money that was core-horsed debt from me also XXXX XXXX said that my claims were conflicting information they were denied because of that and the {$7000.00} I've been trying to get back from XXXX XXXX they won't give me the money back either and they XXXX XXXX I tried to report this to them and their regulator and they won't help me either so I owe money so XXXX XXXX owes me {$7000.00} and Wells Fargo owes me over XXXX and it's not I know why I wasn't able to get the money back from social security and the bank it's the bank 's responsibility at this point because they let me get XXXX XXXX and they won't do anything about 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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX ( VIN : XXXX ) from XXXX dealership with Capital One Auto Finance as my lender on XX/XX/XXXX. However, I returned the vehicle on XX/XX/XXXX ( within the 7-day grace period ) to the dealership because XXXX XXXX XXXX XXXX that they had a hold on the vehicle lien as XXXX hadn't been paid. XXXX wanted the dealership to contact them to resolve the ownership issue. Dealership refused. The dealership refunded my downpayment after returning the vehicle but didn't provide me with any document/proof that I returned the vehicle. The dealership said they hadn't initiated the funding from the lender or registration with the gov. XXXX is a partner dealership of Capital One. The bank referred me to the dealership. An auto loan account later popped up with my bank ( Capital One ) claiming that I have an auto loan for the vehicle that I returned. I called Capital One about it and they said it will clear within 30 days ( from XX/XX/XXXX ) but have reported the account with the CRBs. I called the dealership to furnish me with the proof of return of the vehicle but send me a document that isn't proof of return. The bank wants me to call the dealership to get them to refund the bank the money the bank claims it paid to its " partner dealership '' but the bank hasn't provided any proof of financing the vehicle. I have asked the bank to provide me with the proof of payment, vehicle title, or proof of release of lien. The bank hasn't provided any of the above documents but still claims that I am responsible for paying back the loan. My first payment is expected in the next 2 weeks ( XX/XX/XXXX ) and the bank expects me to pay, or report missed payment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: Coinbase, Inc.
State: OR

Complaint narrative:
I opened a debit card dispute with Coinbase on XX/XX/XXXX for a fraudulent transaction of {$290.00}. Coinbase has confirmed in writing that the refund was completed on XX/XX/XXXX, and that the case was closed on XX/XX/XXXX. However, I have never received the refund in my account. As of XX/XX/XXXX : The transaction still shows as pending in the Coinbase app It shows as refund pending on the Coinbase website My account balance has never increased by {$290.00} I have contacted Coinbase multiple times, and they continue to state the refund was completed, but they have not provided proof of where the funds were credited. This appears to be a failure to properly post a refund to my account. I am requesting that Coinbase locate the missing refund and credit my account accordingly. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX I reported the below scam to Capital One Bank regarding a XXXX scam and was given Capital One case # XXXX. On XXXX XXXX again I spoke with spoke with the Capital One reprehensive, I sent the below statement and was given new case # XXXX. On XXXX. XXXX I called Capital One as to the status of this case, I was informed that the claim was denied on XXXX XXXX, However, they failed to notify me of the denial. They advised me to notify the vendor ; I informed them there was no vender and the scammers represented themselves as bank and XXXX employees On XX/XX/year> at XXXX AM I received a call from XXXX caller ID reveals as XXXX Bank, XXXX XXXX XXXX stated he is from XXXX XXXX XXXX asked for me by my full name, he inquired if I made XXXX deposit to XXXX customer XXXX XXXX in the amount of {$2000.00} and {$1500.00} using the phone number he called me on XXXX Internet search reveals that phone number XXXX is a valid XXXX XXXX phone. I told him I did not. He gave me case # XXXX and transferred me to XXXX XXXX XXXX XXXX XXXX. The XXXX representative immediately stated that I am on a recorded line and not to state any social security number, account numbers or passwords. He stated that a XXXX XXXX had compromised my XXXX account. He directed me to go to the XXXX account associated with my phone number, and had me go through a series of steps. He stated to clear my XXXX account I had to send XXXX XXXX XXXX to him, XXXX XXXX XXXX XXXX in the amount of {$2400.00} and {$490.00} using code XXXX in memo section as this indicates a stop, the XXXX transfer was made at approximately XXXX. I was given XXXX case # XXXX. He stated that a XXXX payment of {$2900.00} will be reflected in my XXXX account within 1 hour. If any problems I was to call XXXX frauds at XXXX, I was then transferred back to XXXX XXXX representative XXXX XXXX who stated the account has been cleared. At approximately XXXX XXXX I called XXXX the person answering the phone stated XXXX XXXX XXXX They informed me that my refund was in pending status. I immediately called XXXX Customer service at XXXX ( XXXX ) XXXX, they informed me this is a scam. XXXX took information and transferred me to Capital One where my XXXX account is attached and report the scam and attempt to retrieve the funds. Capital one claim # XXXX. Please credit my account in the amount of {$2900.00} as I was a victim of a bank and XXXX employee imposter scam. This Capital One Claim # XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Citizens Mortgage concerning their handling of my mortgage account, particularly following a forbearance period. I believe the company has engaged in unfair practices, resulting in significant financial harm to me. Due to a government shutdown, I was placed on a mortgage forbearance plan. I proactively contacted the Loss Mitigation Department at Citizens Mortgage to discuss solutions for repaying the missed payments and bringing my account current. During my call with the Loss Mitigation Department, I encountered the following issues : I was informed that I was only one month behind on my payments. However, the representative stated they had no specific guidance or programs available to help me make up the missed payments from the forbearance period. Unhelpful " Solution '' the only advice offered was to " just make an additional payment. '' I clearly stated that I was not in a financial position to make a full extra payment at that time. My subsequent payments were not processed in a timely manner, which led to further complications As a direct result of Citizens Mortgage 's actions and inaction, I have suffered the following financial damages I have been charged over {$170.00} in late fees. I have also incurred over {$170.00} in " bad check '' fees, which I contend are a result of the company 's failure to process my payments correctly and on time. A new policy has been imposed on my account, and I am now required to make payments only by certified funds or debit card, which is an inconvenient and unfair restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against Citibank regarding the XXXX XXXX AAdvantage credit card ( co-branded with Citibank ). My partner opened this account on XX/XX/XXXX. In XX/XX/XXXX, I was added as an authorized user. Due to a fraud flag placed on the account, neither of us has ever received a physical card. We have contacted Citibank a minimum of four times by phone and additional times via their online chat feature. Despite these repeated contacts spanning over four months, Citibank has been unable to ( 1 ) resolve the fraud flag, ( 2 ) successfully process and deliver our cards, or ( 3 ) provide any meaningful resolution. As a direct result of not receiving our cards, we have been completely unable to access the Admirals Club lounge benefit one of the primary reasons this card was opened. We have paid the annual fee in full and have received zero value from this product through no fault of our own. On XX/XX/XXXX, I called to request a waiver of the annual fee given these circumstances. I was told the system would not allow it. I was then transferred to an XXXX XXXX flight reservations line not a credit card support team and during a prior call, I was hung up on by a Citibank representative. This constitutes a failure to deliver contracted services, inadequate customer service, and billing for benefits the customer has been systematically denied access to. I am requesting that Citibank ( 1 ) immediately resolve the card issuance issue, ( 2 ) waive the annual fee for the period during which we had no access to our account or benefits, and ( 3 ) provide written confirmation of resolution. I have retained records of all contact attempts and am prepared to provide further documentation upon request.

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The statement fails to represent my financial approach correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on a closed personal loan account with SoFi. The account was paid in full in XX/XX/year> and otherwise reflects a strong payment history. However, SoFi has reported my XX/XX/year> payment as 30 days late, which is incorrect. My payment due date was the XXXX of each month. For XX/XX/year>, I made my payment on XX/XX/year>. While I acknowledge that this payment was late, it was not 30 days past due. From XX/XX/XXXX to XX/XX/XXXX is approximately 11 days past the due date, which does not meet the standard industry threshold for a 30-day delinquency. A payment generally must be 30 days or more past the due date before being reported as 30 days late to credit bureaus. Because of this, the reporting of a 30-day late payment is inaccurate and misleading. This error has negatively impacted my credit profile, particularly as I am currently in the process of applying for a mortgage. I am happy to provide supporting documentation, including payment confirmation, if needed. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: OK

Complaint narrative:
XXXX XXXX, I called the company 4 separate times, spoke to 3 separate agents, and through the automated system as well to verify my balance on my card, and any further information on the file, as well as the XXXX app for my card to start, because my card kept declining for purchases that had worked previously. The XXXX app is how I purchase my groceries, and normally I am able to add it to XXXX, not for the purpose of transferring money, but to checkout and afford food, and other necessities. My card stopped functioning not only on XXXX, but on my bill websites, and every other online purchase. It declined in store as of XX/XX/XXXX as well, and I had to retry the transaction in the hopes it would go through. The agents I called insisted there was no security lock, and simply told me to change my pin, wait an hour and try again. When that did not work, I called two more times and was told once more, change my pin, wait an hour, and if that doesnt work, wait longer. There were no further solutions provided to me, and after trying what little help I was offered, my card still remains essentially unusable. At one point, on XX/XX/XXXX as well, the automated system couldnt even locate my card with my information or card number, despite verifying it was correct, leading me to be unable to check my balance or account information. I verified for all 3 days that my balance was well over the purchase amount, and I did not ever reach a daily purchasing limit, as my benefit amount is less than their limit, and applies to ATM withdrawals, not purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Wells Fargo regarding their handling and denial of my fraud claim involving unauthorized third-party transactions on my account. On XX/XX/year>, I discovered unauthorized transaction ( s ) totaling {$3100.00} on my Wells Fargo account. These charges were made by a third party without my knowledge or consent. I promptly reported the issue to Wells Fargo on XX/XX/year> and fully cooperated with their investigation, providing all requested documentation and information. Despite this, Wells Fargo denied my claim on XX/XX/year> stating that they ( Wells Fargo ) did not have rights to dispute for the third-party. I strongly dispute this decision for the following reasons : * I did not authorize these transactions and received no benefit from them. * I took reasonable precautions to safeguard my account and personal information. * I reported the fraud promptly upon discovery. * Include any support. facts location * Wells fargo also credit me {$500.00} dollars for XXXX of the transactions but them later took it back. They didnt explain why they did that. I believe Wells Fargo has failed to properly investigate my claim and has not met its obligations under applicable consumer protection laws, including those related to unauthorized electronic fund transfers. As a result, I am requesting the following : 1. A full reinvestigation of my fraud claim. 2. A detailed explanation of the evidence used to deny my claim. lol 3. Reimbursement of the unauthorized transaction amount of {$3100.00}. 4. Copies of any documentation, logs, or records relied upon in making their determination. This situation has caused me significant financial hardship and stress. I am seeking your assistance in ensuring that Wells Fargo conducts a fair and thorough review and complies with all applicable regulations. Thank you for your attention to this matter. I am happy to provide any additional documentation if needed. Sincerely, XXXX XXXX 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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I called Huntington bank on XXXX XXXX I called at XXXX and XXXX XXXX central time. When I first call at XXXX, I asked to be transferred to the dispute department and they transferred me back to the original customer service line. When I called back at XXXX XXXX, I spoke to a dispute representative by the name of XXXX and she refused to help me in any way. I asked about a refund that was deposited on XXXX XXXX at XXXX XXXX XXXX and the money disappeared the next day. I called the next day and spoke with dispute representative on XXXX XXXX by the name of XXXX in which at first she claimed she didnt see anything, but then she found it and stated that shed be reissuing the refund. When I went into the branch, there balance was still zero. XXXX refused to provide any information as I found out that XXXX was still being researched but XXXX refused to give me any information. I asked was anything denied and she said she doesnt know and refused any information as far as the case numbers. I told her if it were denied, I would like the case numbers and she refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
The fraudulent loan was signed with my name date of birth and social which I never applied or approved for said student loan. The master promissory notes have names of people I am not related to and a spouse name. I am unmarried. The first date from when the loan was signed I believe was XX/XX/XXXX I didnt receive any information or drop in my credit until around XXXX of XXXX. I wasnt told to contact this resource until today Thursday, XXXX of XXXX and have a police report and am able to verify my identity, address with many resources. I have lived at the same address my entire life with proof of address on my birth certificate. The loan is currently over $ XXXX with growing interest. I am looking to use XXXX to go through classes in the state of my birthplace. starting in the summer semester. Any help would be greatly appreciated. I have a police investigation and report, frozen my credit. Submitted paperwork to student aid and contacted as many companies as I can. XXXX currently in contact with an attorney. I am too young to be having my identity stolen and their should be a multi verification system in progress with a background check before and promissory notes or loans are ever given out. This is the type of problem that ruins peoples futures. This is connected to our federal government and this says theyre not able or trying to protect us. This is unacceptable, I just want to start my career and future. Not everyone has family they can fall back on. Years or major health issues but I can not sign up or qualify for XXXX without a XXXX XXXX. I dont have that money. I dont get much help because Im not a XXXX that is XXXX XXXX XXXX. Why do I get less help when Im the one paying my taxes for these benefits I dont get to receive and then I dont have protection when someone is stealing from me. They didnt even complete the classes, they dropped out and took the money.

Company response to consumer: Untimely response