vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Failure to Investigate the Receiving Account Subject : Wells Fargo failed to investigate the receiving account that received the stolen funds, despite being the bank that opened and controlled that account. Details : During my fraud dispute, Wells Fargo never investigated the receiving account that received the funds from my XX/XX/XXXX ATM deposit. This account was opened at Wells Fargo, was used to commit fraud, and was the destination of the stolen funds. Despite this, Wells Fargo : did not review the receiving accounts activity did not freeze the account did not contact the account holder did not examine whether the account was part of a fraud pattern did not provide any information about the account to me or to law enforcement did not include the receiving account in their determination letters When I asked representatives whether the receiving account had been reviewed, I was given inconsistent and contradictory answers. Some representatives stated they did not have access to that information, while others implied it had been reviewed without providing any evidence. No one could explain what steps, if any, were taken regarding the account that actually received the stolen funds. The detective assigned to my case confirmed that the deposit did not go into my account, which means Wells Fargo had access to the receiving account information. However, Wells Fargo never investigated it or included it in their fraud determination. Impact : Failing to investigate the receiving account prevented Wells Fargo from identifying the fraud, recovering the funds, or making an accurate determination. This omission directly contributed to repeated inaccurate denials and delayed resolution of my case. It also prevented law enforcement from receiving the information they needed, despite a judgesigned warrant.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Subject : Incorrect statements by Wells Fargo representative ( Brie ) regarding my employment, income, and XXXX ; rejection of weekly contractor pay ; and continued denial of access to closedaccount records needed for taxes. Details : A Wells Fargo representative named XXXX made several incorrect statements about my employment and income that directly affected the banks handling of my account and their denial decisions. Brie stated that I was unemployed, that the State of XXXX paid me once a month, and that XXXX paid me once a month. All of these statements are factually incorrect. I am an independent contractor for the State of XXXX, and I am paid weekly, not monthly. Wells Fargo rejected my weekly contractor pay after they closed my accounts in early XXXX, and they have not corrected this error despite multiple notices. The XXXX XXXX referenced is not my income. It is my daughters survivor benefit, which is unrelated to my contractor payments and should not have been used to classify my financial profile or justify any denial. Wells Fargos misclassification of my employment and income resulted in incorrect conclusions, improper account handling, and denial decisions based on false information. Ongoing Harm : My accounts remain closed, and Wells Fargo is still denying me access to my closedaccount records. I need these records for tax purposes, income verification, and documentation of deposits that were rejected after the account closure. Their refusal to provide access is causing ongoing harm and preventing me from completing required tax filings.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX\nCredit Bureau Dispute Department\nRE: Dispute of Collection Account Jefferson Capital Systems\nTo Whom It May Concern,\nI am writing to dispute the following collection account appearing on my credit report. I do not believe this account is valid and I am requesting verification of the debt.\nCreditor/Collection Agency: Jefferson Capital Systems\nReported Balance: XXXX\nUnder the Fair Credit Reporting Act, I am requesting that this account be investigated and verified. Please provide documentation showing that this debt belongs to me, including the original creditor information, a signed contract or agreement, and proof that the collection agency has the legal right to collect this debt.\nIf this account cannot be fully verified, please remove it from my credit report.\nPlease notify me in writing of the results of your investigation.\nSincerely,\nXXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX Department\nRE: Dispute of Collection Account LVNV Funding\nTo Whom It May Concern,\nI am writing to dispute the following collection account appearing on my credit report. I do not believe this account is valid and I am requesting verification of the debt.\nCreditor/Collection Agency: XXXX XXXX XXXX\nReported Balance: $XXXX\nUnder the Fair Credit Reporting Act, I am requesting that this account be investigated and verified. Please provide documentation showing that this debt belongs to me, including the original creditor information, a signed contract or agreement, and proof that the collection agency has the legal right to collect this debt.\nIf this account cannot be fully verified, please remove it from my credit report.\nPlease notify me in writing of the results of your investigation.\nSincerely,\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an alleged loan account originally associated with XXXX XXXX XXXX that is now being collected by Velocity Investments LLC. Velocity Investments LLC has been contacting me by phone and email regarding this alleged debt. However, I have not received proper written validation of the debt as required by law. At this time, I dispute the validity of this debt and request that the company provide proper documentation. I am requesting the following information : Proof that Velocity Investments LLC has the legal right to collect this debt. A copy of the original loan agreement or contract with XXXX XXXX XXXX. A complete payment and transaction history for the account. Documentation showing the legal transfer or sale of the debt to Velocity Investments LLC. The calculation explaining the current balance they claim is owed. Until this information is provided, I request that Velocity Investments LLC cease all collection attempts and communication with me except for providing the requested validation. I am concerned that this debt may not have been properly verified, and I want to ensure that my consumer rights under the Fair Debt Collection Practices Act are protected. I respectfully request that the CFPB investigate this matter and require the company to provide proper validation or cease collection activities. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Last 4 digits of the card : XXXX Company : CareCredit Product : Credit card for medical expenses Complaint Description : I am submitting this complaint regarding my CareCredit credit card. My card, which I have always paid in full and rarely used ( only for medical expenses ), was closed by CareCredit without prior notice or explanation. I have attempted to contact CareCredit multiple times to understand the reason for this action, but I have received no response and have not been provided any information regarding my account or the status of my inquiry. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist me in obtaining a clear explanation from CareCredit, as well as reinstatement of my account or another appropriate resolution to this situation. Thank you for your assistance. Signature : 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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX the VA sent my XXXX payment in my name to the bank that I bank with to an account number that my name is not on. At the time I was XXXX. When I got out in XX/XX/XXXX I went to the bank and spoke with the manager. I was instructed to ask the va for a tracer or file a subpoena. I contacted the va and they sent a tracer out. I received the final verdict of the tracer on XX/XX/XXXX stating that my bank admitted fault. They told the US Department of Treasury that they in fact deposited the funds in my name to an account without my name. I then went to the bank and they told me to file a claim. They have now told me they will not give me the funds and that I should file a civil lawsuit even though they agree they are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding my PayPal Credit account managed by Synchrony Bank. Over time my account balance increased significantly due to interest and fees. I requested a detailed explanation of the balance, including a full breakdown of transactions, interest calculations, and any penalties applied. On a previous date I sent a written letter to request clarification and to dispute the amount because I was unable to clearly understand how the balance had been calculated. I also requested to discuss a reasonable repayment arrangement. I am a self-employed professional and recently lost several clients, which significantly reduced my income. Because of this financial hardship, I contacted the company in good faith to try to negotiate a responsible solution. Specifically, I asked if it would be possible to repay part of the balance while freezing or reducing the interest so the debt would stop growing. Unfortunately, I did not receive a meaningful response to my written request and the situation has not been resolved. I am not refusing to address the balance. I am requesting transparency and a fair opportunity to resolve the matter. I would like Synchrony Bank to provide a full written breakdown of the account balance, including all purchases, interest charges, and fees applied, and to review whether the interest and penalties applied are reasonable. I am also requesting that the company consider a hardship repayment arrangement, including the possibility of freezing or reducing interest so the balance can be repaid responsibly.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Yes, I had a cash app account. The cash app account did have identity theft issues on it. The account was closed. Then the funds that were in the account were taken then months later I was sent an email stating that it was found in my favor because I appealed it and that I was a victim, and that the funds were there, and I was able to access them and withdraw them, as well as my stocks and bitcoin that I had invested Cash app closed out my account flagged my Social Security number, so I can not gain access to these closed account I have called for over a year trying to get this fixed. They will not help me and they still will not give me my refund as well as my investments, which is in there That I do have access to that so it has been with holding me from my money for over a year and it is not fair and now theyre stating they can not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: AL

Complaint narrative:
National Recovery cease and dismiss for farther contacting me or threatening to damage my credit under law 15 usc 1692cc violates my rights from them to run me down over this debt! Other name used XXXX XXXX XXXXXXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX, XXXX XX/XX/XXXX Ive made payments on time and they are still reporting it as late. I have documents and statements. They are I improperly applying my funds

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Failure to Honor Contractual Travel Benefits ( Trip Interruption/Delay ) Claim XXXX I am a Chase Sapphire Reserve cardholder ( card ending in XXXX ). I am filing this complaint because JPMorgan Chases benefit administrator, XXXX XXXX , is failing to honor the " Trip Interruption '' and " Trip Delay '' terms of my account regarding Claim XXXX. Factual Background : My prepaid return flight from XXXX XXXX XXXX XXXX XXXX, Ref : XXXX ) scheduled for XX/XX/year>, was canceled due to an organized labor strike. XXXX XXXX presented only two options : a refund or a rebooked flight 12 days later ( XX/XX/year> ). A 12-day delay on a return flight constitutes a near-total cessation of travel as my original trip only started on XX/XX/year>. The Dispute : Because the carrier failed to provide transport within a 48-hour window, I was forced to secure immediate alternative transportation on XX/XX/year>, via XXXX XXXX XXXX XXXX : XXXX ) at a cost of {$3400.00} as I needed to return home immediately for work. The administrator is denying the claim on the basis that XXXX XXXX issued a partial refund for the original fare ( {$670.00} ). This ignores the " excess insurance '' provision of the policy. While the original fare was refunded, I have incurred an unreimbursed net loss of {$2700.00} to complete the covered trip. The administrator 's current " all-or-nothing '' stance is a failure to honor the primary benefits of this premium product. Desired Resolution I am seeking full reimbursement of the {$2700.00} net loss under the Trip Interruption " 20 % rule. '' Date of Trip Departure : XX/XX/XXXX Date of Loss : XX/XX/year> Amount of Loss : {$2700.00} Proof I can attach upon request : 1. The XXXX Receipt ( {$3400.00} ) 2. The XXXX XXXX Refund Confirmation ( {$670.00} ) 3. The XXXX XXXX Cancellation Email ( showing the 12-day rebooking offer ) 4. Your Chase Statement ( showing the {$670.00} credit )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My SoFi checking account was suddenly restricted and my funds were frozen without a clear explanation. I attempted to send a personal funds transfer through XXXX XXXX, but the transaction appeared to be stuck due to a bank-side issue. Because of this situation, I transferred my remaining balance to my XXXX account. Shortly after that, SoFi restricted my account and froze my funds. These are my personal funds and I need access to them. I contacted SoFi customer service and asked why my account was restricted, but I did not receive a clear explanation or resolution. I am requesting that SoFi review the restriction and restore access to my account and funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 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: Block, Inc.
State: OH

Complaint narrative:
I was charged a sale price ( XXXX ) and then full price ( XXXX ) for an item on website egocollect.com. I emailed company and got no response. I filed a dispute with Cashapp and was denied a charge back. I appealed and was denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Who is the complaint about? E * TRADE ( Morgan Stanley ). Product : Brokerage/cash management. Account # : [ Last XXXX digits ] What happened? Over the past several weeks, my experience with E * TRADE has resulted in repeated account locks, asset freezes, and cascading fraud alerts whenever I attempted to access wired funds intended for urgent school fees. These alerts also propagated to external institutions, causing additional account shutdowns and freezes. I have spent approximately XXXX cumulative hours on the phone across XXXX calls over XXXX weeks attempting to gain access to my own money. Despite assurances and shifting timelines, my funds remain inaccessible. I was told a check withdrawal review would complete in XXXX to XXXX business days ; I am now on day XXXX without resolution. As a direct result, I am incurring daily late fees of {$9.00} for the past XXXX weeks from my school. I have filed XXXX formal complaints and continue to await access to my funds. Dates and timeline Funds wired : XX/XX/year> First access attempt and lock : XX/XX/year> Multiple calls over XXXX weeks : XX/XX/year> XXXX XXXX XXXX review promised XXXX business days ; now day XXXX : XX/XX/year> request made. Today is XX/XX/year> What is the resolution you want? XXXX access to funds, removal of erroneous fraud flags, reimbursement of late fees, and a written explanation of the cause and fix. Supporting information Case/Reference IDs : Retained by E-Trade. Names of representatives spoken with : Numerous Customer Service Representitives and Account Specialists. Copies of statements, wire confirmations retained by E-Trade. Recorded phone calls and numerous formal complaints- retained by E-Trade My contact Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I requested Cash App to investigate and refund my monies sent to XXXX XXXXXXXX XXXX XXXX of which I had been giving my tithes and offerings since XXXX. It was the latest - Church Anniversary that I was informed by my church that I did not pay the {$70.00}. I showed the Church Administrator than I did on my Cash App. It was then that I was notified that this is not the correct address. I notified cash app and on XX/XX/XXXX, Cash App began a process to notify me that they will refund the latest funds of {$70.00} for the anniversary. Cash App did a completed investigation and then stopped and stated they needed to verify me. The never refund the monies from XXXX. XXXX and then closed my account down after I verified my account upon their request. XXXX. XXXX had taken over {$1000.00} from me. I had investigated Cash App and they were sued for fraudulent actions from Cash App members such as myself. I believe this is a result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
Calling my references multiple times a day and leaving voicemail implying i owe a debt. Called again today XXXX.

Company response to consumer: Closed with explanation