vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: TX

Complaint narrative:
I am writing in response to the recent communication I received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contract information. 2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including dates and amounts of all transactions or charges. 4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt. 5.Proof of your agency 's authorization to collect this debt on behalf of the original creditor. Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of the letter, as stipulated by the FDCPA. Failure to provide the requested validation with specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondence and documentation related to this matter to the address provided. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am writing to formally raise concerns regarding my mortgage experience with United Wholesale Mortgage ( UWM ), which has resulted in significant financial hardship and XXXX for my family. I originally closed on what was represented as a VA one-time close construction loan on XX/XX/XXXX. However, the loan provided by UWM was, in fact, a two-time close VA construction loan, contrary to what was advertised and agreed upon. Subsequently, UWM transferred my loan internally to another department and opened a Home Equity Line of Credit ( HELOC ) without my knowledge or consent. Additionally, UWM failed to timely apply the interest rate protections afforded under the Servicemembers Civil Relief Act. After I returned to XXXX orders with the XXXX XXXX XXXX XXXX XX/XX/XXXX, my interest rate should have been reduced to 6 %. Instead, UWM continued attempting to charge a 7.5 % interest rate and significantly delayed correcting this error. From XX/XX/XXXX through XX/XX/XXXX, UWM failed to resolve these issues, resulting in my family paying approximately XXXX additional months of excess interest out of pocket. During this time, UWM also mishandled my payments by placing funds into suspense accounts rather than properly applying them to my loan. In XX/XX/XXXX alone, over {$15000.00} was held in suspense when it should have been applied toward principal and interest. These actions led to severe financial strain, including wrongful collection activity and threats of foreclosure. Despite repeated attempts to resolve these matters, communication with UWM was extremely difficult, and meaningful assistance was not provided. Additionally, I was XXXX in XX/XX/XXXX during the construction loan process, and UWM failed to provide adequate support to my wife and me during this period. In XX/XX/XXXX, I was also determined to be 100 % XXXX-connected XXXX. Based on this status and given that the loan was never properly established or insured as a VA loan, the VA funding fee should be refunded. However, UWM has incorrectly stated that the fee is nonrefundable. Overall, UWMs actionsincluding misrepresentation of the loan product, unauthorized account activity, failure to comply with federal protections, improper handling of payments, and prolonged delays in correcting errorshave caused substantial and ongoing harm to my family. I respectfully request a full review of my account, correction of all errors, reimbursement of improperly charged interest and fees, refund of the VA funding fee, and any other appropriate remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX credit card debt was discharged off several years ago but was sold to Jefferson capital and they harass me to pay the discharge debt and refuse to take it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I overpaid on my credit card statement due to a credit card transition ( XXXX XXXX ) resulting in a negative balance on my Wells Fargo account of around {$4500.00}. Wells Fargo said they would send a check to me for the amount, however, I never received it. They said it had been sent on XX/XX/XXXX, but it is now XX/XX/XXXX and I have not received a single piece of mail from them. To resolve this, they are continuing to hold my money hostage for at least another couple weeks. They want to send a affidavit, which will take another week. Then, I have to sign the affidavit and mail it to them, which is both a hassle and will take another week. Then, they will send the " replacement '' check to me. The original check was never sent! I've checked my XXXX informed delivery statements and did not see a single piece of mail from Wells Fargo.

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 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank XXXX at the XXXX XXXX XXXX, OH branch incorrectly deposited my {$1000.00} cash deposit ( Transaction # XXXX ) into my CD account instead of my savings account on XX/XX/2026. The teller and supervisor refused to verify my updated balance, dismissed my concerns, and provided no documentation. My CD does not allow additional deposits, so this was a clear error. I am requesting that Citizens Bank remove the {$1000.00} from my CD and correctly deposit it into my savings account. My deposit Slip is dated Monday, XX/XX/2026 at XXXX. Other information on the Deposit Receipt is as follows : Deposit ; Account Number : XXXX ; Amount {$1000.00} ; Bank : XXXX ; Branch XXXX ; Transaction # : XXXX. My husband and I tried to resolve this problem with the teller 's supervisor, but instead of spending a few minutes to check my XXXX Bank account, he just glanced at the bank computer screen for a few seconds and repeatedly told my husband and I that we were incorrect when we informed him that my savings account balance that the teller claimed was wrong. This incident was both stressful and embarrassing, and my savings account deposit was wrongfully put into my Citizens Bank XXXX account by the Citizens Bank teller. Her male supervisor did not correct this problem, and our opinion, he did not investigate the problem in a reasonable manner. My Citizens XXXX savings aaccount number is * XXXX. My Citizens 9 Month XXXX account is * XXXX. My Citizens XXXX Month XXXX Account shows that a {$1000.00} deposit was made to it on XX/XX/2026 that I did not request. I told the teller to put my {$1000.00} deposit into my Citizens savings account. The Citizens Bank XXXX 's male supervisor did not take the time to thoroughly check my Citizens Bank accounts. Had he done so, he should have caught the teller 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: CO

Complaint narrative:
I am filing a complaint regarding a material change to my account at KeyBank that resulted in ongoing monthly fees. We noticed XXXX XXXX monthly fees charged to our account. On contacting KeyBank, they advised us that our account had been changed. The new account required that the owner retain a balance of XXXX. If this was not met, a XXXX XXXX monthly charge was accrued. We did not receive notice of these changes. The bank stated that they sent XXXX postal mail to provide this notification, which we did not receive. The bank also states that notification was provided via email to the primary account holder. However, these communications were not reasonably distinguishable from routine or promotional emails and did not effectively communicate a significant account change. As a result, fees were applied over an extended period without our awareness, for a total of approximately {$400.00}. Once discovered, we contacted the bank multiple times. While they acknowledged the situation by issuing a small partial refund of {$50.00}, they have refused to fully correct the charges. Given the significance of this fee change, I believe the bank failed to provide clear and meaningful notice sufficient for a reasonable consumer to be aware and take action. I am requesting a full review and resolution of these charges. Please contact me if you have further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to provide important supplemental information and new evidence regarding my existing complaint against Wells Fargo about the denial of my debit card fraud claim ( Claim # XXXX ). On XX/XX/XXXX, I filed a timely fraud claim for XXXX unauthorized MONEY TRANSFER AUTHORIZED transactions to various XXXX * merchants, totaling {$12000.00}. These charges occurred after my card and device were lost or stolen. I followed XXXX XXXX process by first attempting to contact the merchant ( XXXX ). On XX/XX/XXXX, Wells Fargo sent a denial letter stating they could not honor the claim. The letter contains several material inaccuracies and inconsistencies : The denial incorrectly states my card was lost or stolen on XX/XX/XXXX. In reality, it was reported lost on XX/XX/XXXX. I have attached a copy of the police report confirming this date. The denial claims the shipping address used by the merchant matches my address on file. However, the address used was my old Florida address, which does not match my current Texas billing and mailing address that has been on file with Wells Fargo. There is a significant discrepancy in the transactions investigated : I reported XXXX transactions totaling {$12000.00}, but the claim portal and investigation referenced XXXX transactions totaling {$18000.00} These errors show that XXXX XXXX investigation was incomplete and relied on incorrect information. The transactions were unauthorized and do not reflect my normal usage, especially after the card was lost. I have already submitted a formal appeal and request for reconsideration directly to Wells Fargo ( copy attached ), including the police report and other evidence. I respectfully request that the CFPB : Review the banks denial and my new evidence. XXXX Wells Fargo to conduct a fair, accurate, and complete re-investigation. Ensure any provisional credit of approximately {$12000.00} is not reversed until the matter is properly resolved. Help facilitate a refund of the unauthorized transactions under Regulation XXXX. I have attached : Wells Fargo denial letter ( dated XX/XX/XXXX ) My formal appeal letter to Wells Fargo Police report ( loss date XX/XX/XXXX ) Screenshots from Wells Fargo app showing claim details Thank you for your assistance. I am available to provide any additional information and look forward to the banks updated response. Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Account ending in XXXX Claim # XXXX Wells Fargo Previous CFPB complaints # : 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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Consumer Complaint Report : Synchrony Bank XXXX XXXX XXXX Account XXXX and Breach of Payment I am filing this complaint against Synchrony Bank for failing to honor a confirmed payment agreement, resulting in an incorrect " Charge-off '' status on my account and severe damage to my credit report. XXXX. Existence of XXXX : I established a formal " Workout/Payment Plan '' with Synchrony Bank XXXX XXXX {$22.00} monthly. Bank XXXX ( XX/XX/year> ) : In XXXX, Synchrony Bank attempted to withdraw an amount significantly higher ( {$250.00} ) than the agreed {$22.00}. XXXX. Refusal to Correct : I contacted XXXX immediately to report the overcharge. Instead of correcting the amount to the agreed {$22.00}, the bank marked the transaction as " Declined ''. XXXX. Incorrect Charge-off : Because the bank blocked the agreed-upon payment, my account was automatically moved to " XXXX '' status XXXX. In XXXX they tried to over charge again {$88.00} instead of the {$22.00} agreement and marked it as decline again, making the same billing error and breach of payment as in XXXX. XXXX. Failure to Investigate : When I contacted the bank to resolve this, representatives told me I had to " wait XXXX days '' for a dispute, while simultaneously reporting the account as a loss to credit bureaus.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Chime Financial Inc
State: IL

Complaint narrative:
I signed up with Chime for a pre-paid debit card to manage monthly subscriptions aside from my normal monthly credit card charges. I was surprised to get a credit alert from the XXXX and XXXX that a new credit account was created in my name despite my credit file being locked/frozen with all XXXX credit companies. As it turns out Chime created a credit builder credit card in my name without my informed consent / approval. They also never checked the file to see if its frozen which should prohibit new accounts to be created. So Chime improperly opened a credit card when all I signed up for was for a pre-paid debit card and ignored the status of the credit report and created an account without checking if its frozen. I have near perfect XXXX XXXX that I curated over decades and would never need a credit builder card and my score dropped by over XXXX points with this card being added to my locked / frozen credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Paypal sent me to collections without contacting me because they changed my account balance to negative. I have had no transactions on this account in the last XXXX years, and they said my account went negative in XX/XX/XXXX. Their chat bot was supposed to send me an email about my transaction history that never sent, and after chatting with an agent they told me the " transaction '' happened in XXXX of XXXX. This is clearly either out right fraud or a mistake they're refusing to admit. I have been told to contact the collections department to resolve this, but the number is answered by a bot that does not let you proceed without paying your negative balance. I can't even report this XXXX payment as fraud ( even though it clearly is ) because fraudulent transactions have to be reported within 180 days and they didn't even try to charge it until XXXX and a half years later, and didn't tell me my account was negative before sending it to collections

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I signed up with Wells Fargo for a new credit card that had a special offer : spend {$5000.00} in XXXX months and earn a {$500.00} signup bonus. The deadline was XX/XX/year>. I spent well over {$5000.00}, well before the deadline. In fact, I crossed that threshold nearly a month earlier. Wells Fargo issued my XXXX statement with a balance of $ XXXX. But they failed to deliver the bonus. And they claim I only spent {$4200.00}. It's absolutely baffling. It's like they don't know how numbers work. And I carefully reviewed and verified their terms and conditions -- there were no cash advances, balance transfers, manufactured spend etc. There were no returns that dropped my purchases below the {$5000.00} line. I've made multiple phone calls and emails, had it raised to the XXXX office, which bounced me between business and personal offices, and they still refuse to acknowledge their 100 % demonstrably false statement. They continue telling me I only spent {$4200.00}. Literally, all they need to do is check the XXXX statement, showing I spent $ XXXX, and then verify nothing got returned. In fact, my statement in XXXX also showed $ XXXX. This is quite possibly the most asinine problem I've ever had with a financial institution. It's infuriating that their teams don't work together and can't figure out a basic mathematical issue. All I want is my {$500.00} bonus that was promised and I earned fair and square.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding Reliant Capital Solutions , LLC for failure to properly validate an alleged debt and continued reporting of unverified information to the credit bureaus. On XX/XX/year>, I sent a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, requesting documentation to verify the alleged debt. In response, Reliant Capital Solutions provided only a generic itemized statement, which appears to be a printout and does not constitute proper validation of the debt. Specifically, the company failed to provide : A copy of any original signed agreement bearing my signature Complete payment history from the original creditor Documentation proving Reliant Capital Solutions has legal authority to collect this debt Any chain of assignment or transfer of ownership Providing a billing statement alone does not meet the legal requirements for debt validation under FDCPA XXXX. Despite failing to properly validate the debt, this account continues to be reported on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ), requiring furnishers to report only accurate and verifiable information. Additionally, continued collection activity without proper validation XXXX constitute a violation of FDCPA XXXX ( b ), which requires collection efforts to cease until proper validation is provided. I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies Confirmation that the debt will no longer be reported Cessation of all collection activity unless and until proper validation is provided I have attached documentation of my original validation request and the insufficient response provided by Reliant Capital Solutions. This matter is time-sensitive and impacts my ability to obtain mortgage financing. I request a prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I sent {$1000.00} through XXXX after an individual falsely represented herself as a realtor offering housing-related services. The services were never provided, and the individual failed to return the funds. I reported this to my bank, but my claim was denied as authorized. However, this was an impersonation scam, and I was induced to send the payment under false pretenses. I am requesting that the bank re-evaluate this claim under fraud and impersonation guidelines and make a good faith effort to recover my funds.

Company response to consumer: Closed with explanation