vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date : XX/XX/year> Financial Institution : Wells Fargo Bank Incident Location : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX On XX/XX/year>, I attempted to deposit {$8900.00} in cash into a Wells Fargo ATM. During the transaction, the machine suffered a severe mechanical and software failure mid-process, ultimately crediting my account only one cent that day of XX/XX/XXXX then XXXX bon a day later and trapping the remaining cash inside. I immediately went into the branch for assistance, and a staff member opened the machine to help. She successfully recovered {$2900.00} of my cash but stated the remaining funds were stuck and required a technician. Crucially, the employee noted that the recovered bills felt damp and moist, indicating that the wet currency likely compressed or stuck together in the internal rollers, causing the machine to miscount and jam. I also captured video footage of the ATM actively malfunctioning during the incident. The branch employee then helped me call the Wells Fargo claims department from a branch landline. she initiated the claim process then gave me the phone I spoke with a representative named XXXX at XXXXXXXX XXXX who was hostile and dismissive because I did not know the exact dollar amount I initially said it was XXXX or XXXX prior to checking my records. She refused to credit the {$2900.00} already verified by the branch staff, falsely claimed that no case or reference numbers existed for these situations, and rushed me off the phone. When I followed up four days later, Wells Fargo confirmed that XXXX completely failed to log the file or note my account, erasing the paper trail and forcing me to start a high-value dispute from scratch. Wells Fargo has since treated this severe equipment failure with a complete lack of urgency. The bank issued an arbitrary, offensive {$99.00} credit, leaving a massive discrepancy of over {$8000.00} of my own capital missing. As a long-standing customer with multiple business and personal accounts, I am being forced to defend my capital due to their faulty machine and employee negligence. I demand a formal Regulation E investigation, a full forensic audit of that specific ATM 's roller mechanisms and internal cash bins, an immediate review of my video evidence, and a full provisional credit for the missing balance.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
This is my second complaint with Chime, I filed the first complaint back in XXXX, Chime prolonged their investigation to reopen and deny the claim later. The company XXXX XXXX stated they could not provide me with the evidence I need however if Chime contacted their fraud department they would provide it to them. This has put me in a financial burdern all because the company I chose to bank refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/year> Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Email : XXXX I am filing a complaint regarding approximately {$6300.00} in funds related to cashiers checks deposited into my Citi Bank account. I previously held a bank account with XXXX XXXX containing approximately {$6300.00}. After closing that account, XXXX XXXX issued me cashiers checks for the funds into two checks, one for {$5700.00} and {$530.00}. I later opened an account with Citi Bank and deposited those cashiers checks into the account. After approximately two months, I lost access to the funds and was informed by Citi that there was an issue verifying the cashiers checks with XXXX XXXX. My Citi account was later closed. I requested that the remaining funds be returned to me, but after waiting an additional period of time, Citi informed me that their internal team deemed the checks fraudulent and that no refund would be issued. I have since contacted XXXX XXXX directly. XXXX XXXX confirmed that the cashiers checks were legitimate and were successfully negotiated in XXXX. I also possess documentation including : - copies of the cashiers checks, - XXXX XXXX information confirming negotiation of the checks, - and Citi Bank statements showing the deposits. Most recently, Citi informed me that the funds are currently located in an internal subledger account and stated that XXXX XXXX would need to initiate a recall process for the cashiers checks. At this point, I am requesting assistance because : XXXX. The cashiers checks were legitimate and negotiated by XXXX XXXX. XXXX. Citi accepted and deposited the funds into my account. XXXX. I have not received my funds back. XXXX. Citi has provided inconsistent explanations regarding the location and status of the money. I am requesting that Citi provide : - a written explanation regarding the status and disposition of the funds, - confirmation of whether the funds are still being held internally, - clarification regarding why the checks were labeled fraudulent despite XXXX XXXX confirming negotiation,- and instructions on how the funds can be released or returned. I am also requesting that Citi and XXXX XXXX coordinate directly, if necessary, to resolve the matter and return my funds. Thank you for your assistance.

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I discovered multiple bitcoin transfers sent from my Cash App account that I did not authorize. I did not share my Cash App sign-in code or Cash PIN intentionally. I believe my account and/or device credentials were compromised, or I was targeted by an online scam. I request an investigation into the recipient ( s ) and any involved parties. Actions taken : Changed Cash PIN and associated email password Enabled Security Lock and reviewed/logged out of unfamiliar sessions Preserved evidence : screenshots of transaction details ( amounts, timestamps, and any available identifiers ) and any related messages from suspected scammer ( s ) I have phone numbers from the scam account. I am willing to cooperate and provide additional evidence upon request. Cashapp is insane for not helping me get my money back. I was scammed for XXXX XXXX I can not afford to lose that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had my XXXX Amex and Amex platinum card for over XXXX. I have made every payment on time. Amex has set credit limits on my platinum card which has never had a credit limit as it is a charge card. Today they reduced my XXXX credit card limit from {$10000.00} to {$4000.00} when my balance is around {$3600.00}. again I have never had any late payments or any issues. I feel i am being targeted. When I called they told me if I make a payment of {$900.00} my account wont be reviewed. This sounds like unethical practices and I feel I am being targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: LA

Complaint narrative:
I have made monthly student loan payments since XXXX. MOHELA stopped withdrawing payments for several months without explanation, then resumed. My loan balance has not changed as expected, and I believe my payments may not have been properly applied. I was enrolled in a repayment plan where the remaining balance would be forgiven after a certain period. I am requesting a full audit of my account, payment history, repayment plan status, and correction of any errors.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint regarding my banks handling of a disputed unauthorized credit card charge in the amount of {$200.00} from the merchant listed as XXXXXXXX XXXX XXXX XXXX. I did not authorize this transaction, do not recognize the merchant, and never made any shoe or shoe-related purchases during the time period in question. The transaction amount was an exact {$200.00}, which is inconsistent with the other purchases I made while visiting XXXX XXXXXXXX XXXX I promptly reported the transaction to my bank as fraudulent. After the investigation, I received only a phone call informing me that the claim was denied. I was not provided written findings, supporting documentation, or evidence demonstrating that the transaction was authorized by me. During the call, the representative appeared to rely heavily on the fact that : XXXX. I still had possession of my card, XXXX. I made legitimate purchases before and after the disputed charge, and XXXX. A XXXX search identified XXXX XXXX as an apparent merchant. None of these points establish that I authorized this specific transaction. I requested further information regarding the basis for the denial, including the transaction method used ( chip, swipe, tap, keyed entry, or card-not-present ), merchant documentation, and evidence of authorization. To date, I have not been provided sufficient documentation supporting the banks conclusion. I am concerned that the investigation was not reasonably conducted and that the dispute was denied without adequate supporting evidence. I am requesting : * reimbursement of the unauthorized {$200.00} charge, * a proper reinvestigation of the dispute, * and disclosure of the evidence relied upon in determining that the transaction was authorized. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The dispute regarding Case ID : XXXX was denied twice by Synchrony Financial despite significant updated evidence. The merchant explicitly admitted in writing on XX/XX/XXXX that the installed system is defective and that a complete replacement is required, including a new door, frame, and panels. There is ongoing severe water intrusion in the property. The water enters through the master bedroom window area and reaches the main electrical panel, creating a serious fire and electrical shock hazard. This condition is documented with video and photographic evidence. Despite this updated evidence, the banks decision relied on a prior {$2000.00} payment from XX/XX/XXXX, which relates to earlier and unrelated damage and does not resolve the current defective construction or ongoing safety issues. I did not refuse repair access. I only requested that the merchant accept responsibility for any additional property damage due to prior structural issues during further work. After this communication, the merchant stopped responding and abandoned the project. I believe the updated evidence, especially the XX/XX/XXXX written admission and video evidence of active hazardous conditions, was not properly considered in the decision.

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I filed a dispute with Cash App regarding a {$120.00} transaction that I believed required further investigation. After submitting the dispute, Cash App denied my claim on XXXX XXXX, 2026. I then filed an appeal requesting a more thorough review and an explanation of the decision. The appeal was also denied on a XX/XX/XXXX. Throughout this process, I repeatedly requested a detailed explanation regarding why my dispute and appeal were denied, including copies of any evidence, records, or documentation relied upon during the investigation. Cash App only provided generalized responses stating that the payment was processed in accordance with the payment information received, without providing any meaningful details about how the investigation was conducted or what evidence was reviewed. I believe the investigation lacked transparency and failed to adequately address my concerns. Despite my efforts to resolve the matter directly with Cash App in good faith, I have not been provided with sufficient information explaining the basis for the denial decisions. I am requesting assistance in obtaining : -A complete explanation regarding the denial of my dispute and appeal ; -Copies of any evidence or records relied upon during the investigation ; -A fair and thorough review of the disputed transaction and complaint handling process. I have retained copies of my communications and denial notices related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
I have pleaded with Cherry numerous times to lower my payment and they will not work with me at all my DMP program reached out as well to no avail so this is my FINAL CONSUMER RESPONSE AND NOTICE OF INABILITY TO PAY, I am filing this final update to state clearly that Cherry has failed to provide a sustainable hardship solution.Please be advised that I have an absolute inability to pay this loan moving forward and I will not be making any future payments to Cherry. My financial and legal situation is as follows : I have a protected fixed income, I am a low income senior citizen my primary income is XXXX XXXX XXXX which is federally protected from private creditors. XXXX wage protection : my only other income is small part time XXXX XXXX XXXX at roughly {$360.00} per week which is below NY State garnishment threshold of {$510.00} furthermore under NYS CPLR 5231 wage garnishment is completely banned for judgements arising from dental or medical debt. I rent my home, I do not own a vehicle I have XXXX savings and no disposable property. I am entirely judgment proof under NY State law I have acted in good faith by paying on time since XX/XX/year> and then attempting to include Cherry in a DMP program after income loss and Cherry refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I called MOHELA on XXXX XXXX, 2026, on or around XXXX p.m. ( PDT ). I spoke to a female agent named XXXX. Her direct supervisor is XXXX XXXX. Her employee ID : XXXX. She said she was speaking to a supervisor that was getting ready to speak with me. Then she transferred and the automated system said supervisors are unavailable. I called during hours of operation. This is misrepresentation of hours of operation. In addition, the agent XXXX lied to me indicating I was going to be transferred to a supervisor ready to speak with me. This is unprofessional and egregious. I called back and MOHELAs XXXX said hold time was XXXX minutes and there was no call back feature on that call. I have the call recorded for proof. MOHELA is making it difficult to get an agent and has excessive hold times. I seek to hold MOHELA accountable. I ask CFPB and FTC sanction MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Virginia XXXX XXXX XXXX XXXX XXXX Payments blocking online payment portal and advising myself to pay {$220.00} in fees for wire transfers. Taking advantage of borrowers during a time of need. Forcing additional fees and harm leaving people who are already vulnerable in a desperate situation with even more fees on their plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a dispute on XX/XX/XXXX, and XX/XX/XXXX, with TransUnion against XXXX XXXX XXXX for an alleged collection placed on my credit report. Both times I received the same response that the creditor was accurate but never gave a reason why this decision was made in XXXX XXXX XXXX 's favor. I received a copy of a bill from XXXX that they also sent to TransUnion that had the amount of debt, my name and an account number on it, which had to be the basis for their decision. The information I submitted was never mentioned. I submitted a copy of statement from XXXX XXXX XXXX that said account had a XXXX balance and was paid in full. The letter also stated I had overpaid on my last installment and they were sending me a refund card for {$31.00}. I also submitted this as evidence of debt being incorrect. I was also notified of the alleged debt from a TransUnion alert on XX/XX/XXXX, and I had paid the full balance of account on XX/XX/XXXX, I had never heard anything about XXXX until the following day on XX/XX/XXXX, when I received a letter about alleged debt. During this process the information I requested was never available for me to view, I only got the same correspondence for both attempted disputes which said, " debt was valid '' and never given a valid reason. The evidence I provided was overwhelming in this matter and it was from XXXX XXXX XXXX! This dispute investigation did not seem thorough at all. I sent my dispute in a certified letter to TransUnion. XXXX XXXX XXXX actually sent me a letter requesting proof of payment for the creditor to help in their investigation of this matter on XX/XX/XXXX? They should have this information ; I sent the letter with proof of account paid to TransUnion to support my case and TransUnion said they would forward information to XXXX for validation? This collection has disrupted the lives of my family and myself. I depend on my credit to provide my family 's needs regularly. This needs to be Investigated properly.

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 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had several mails from Comenity attempting to open cards for XXXX and XXXX XXXX. They got denied but XXXX got approved.

Company response to consumer: Closed with non-monetary relief