vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XX/XX/2026, two Western Union money transfers were sent to the same intended recipient in the XXXX XXXX. One transfer ( MTCN XXXX for {$2500.00} ) was sent by me. A second transfer ( MTCN XXXX ) was sent separately by my wife. According to Western Unions records, the first transfer ( MTCN XXXX ) was collected in XXXX XXXX, XXXX XXXX on XX/XX/2026 at XXXX XXXX. However, the intended recipient did not receive these funds. On the same day, XX/XX/2026, the intended recipient successfully collected the second transfer ( MTCN XXXX ) in XXXX, XXXX XXXX at XXXX XXXX, and I have a receipt confirming this transaction. XXXX XXXX and XXXX are approximately XXXX hours apart by road. Based on Western Unions own timestamps, this would require the same person to be physically present in two different cities within XXXX minutes, which is not possible. I reported this issue to Western Union on XX/XX/2026 and opened a fraud claim. Over the following weeks, I contacted Western Union multiple times and was told the case was under review. I was also told that documentation had been received from the payout location and that I would be contacted within XXXX hours, but no follow-up was ever provided. After more than XXXX weeks, Western Union denied my claim, stating that the funds were properly collected and that valid identification was presented. However, they have not explained how the same individual could have collected funds in two locations within an impossible timeframe, nor have they provided verification details. I am requesting that Western Union investigate this discrepancy, provide the payout details, and refund the {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase repeatedly allows me to open a deposit account, then closes the account approximately XXXX days later after secondary review. This appears connected to a XXXX identity theft incident where a fraudulent Chase account was opened in my name. I reported that matter to Chase and the proper authorities at the time. I am not listed in XXXX. Chase customer service has not provided a meaningful explanation or connected me to an escalation team. I am requesting that Chase review whether an internal fraud/risk restriction, identity theft marker, XXXX XXXX XXXXXXXX XXXX XXXX or other internal designation is incorrectly associated with my profile due to the XXXX fraud incident where I was the victim. I am requesting written clarification and reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I made a payment on XX/XX/XXXX for my mortgage {$2300.00} after fulfilling my trial agreement successfully for 3 months before receiving my new loan modification amount. After signing the paperwork for my new loan modification, I was advised to make a payment for {$2300.00} and now my funds has not been released to my account and my payment history on my portal doesnt show the payment. Called several times a week and representatives could not explain what is going on. Now my credit report was impacted with a late charge and my May mortgage payment has not been released, although my payment is only {$2300.00}, less than what I paid. Regulatory History BSI Financial Services has a history of regulatory scrutiny regarding its servicing practices:2019 CFPB Settlement : The Consumer Financial Protection Bureau settled with BSI over mishandling mortgage servicing transfers. The bureau found that BSI failed to recognize in-process loss mitigation ( loan modifications ) and mishandled escrow accounts, which led to incorrect late fees and threatening borrowers with foreclosure. 2023 New York Attorney General Settlement : BSI reached an agreement with the New York Attorney General for failing to properly process and explain mortgage forbearance and relief options during the XXXX pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I booked a reservation through XXXX at the La XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona ( Itinerary XXXX ) for XXXX XXXX XXXX charged {$670.00} to my Discover card ending in XXXX. I inadvertently booked the room for XXXX when I needed it for XXXX. The reservation was a month out and XXXX 's own confirmation email explicitly stated free cancellation was available until XXXX property local time on XX/XX/XXXX well within the window. On XX/XX/XXXX, while in XXXX for nonprofit work, I went to the XXXX XXXX property in person. XXXX acknowledged the situation and assured me there would be no problem cancelling. They then directed me to book a room at another XXXX XXXX property for that night, advising me to book it immediately before availability was gone. Acting on that direction from XXXX XXXX XXXX, I booked the XXXX XXXX XXXX XXXX ( Itinerary XXXX ) for XX/XX/XXXX, charged {$690.00}. That room never existed. The XXXX property had no availability. I was sent from property to property each sold out due to spring training and cancelled in person at the third location. No services were rendered at either property. No folio was created. No key was issued. I was promised by more than XXXX staff member that the situation would be resolved without issue. My T-Mobile call records for line XXXX document XXXX outbound calls to the properties and XXXX within XXXX XXXX window on XX/XX/XXXX between XXXX and XXXX XXXX XXXX. I filed disputes with Discover on both charges. Discover ruled against me, accepting XXXX 's submitted defense that the reservations were non-cancellable. That assertion is directly contradicted by XXXX 's own confirmation email for Itinerary XXXX, which explicitly confirms free cancellation was available. Discover accepted this contradicted claim without addressing the documentary evidence I submitted. On XX/XX/XXXX, I called XXXX 's Credit Card Dispute Resolution line ( XXXX ). During a XXXX recorded call, an XXXX representative XXXX the situation was unusual and personally triggered a second review of the XXXX XXXX XXXX XXXX The merchant 's own dispute department contradicted the defense XXXX had previously submitted to Discover. Consumer complaint records indicate a documented pattern of billing disputes and refused reservations across XXXX XXXX XXXX properties, suggesting this may not be an isolated incident. The XXXX XXXX charge of {$670.00} has been reapplied to my account following the first dispute loss. The XXXX XXXX charge of {$690.00} remains in active dispute. XXXX disputed : {$1300.00}. I am requesting that Discover reopen both disputes, conduct a substantive review of all submitted evidence, and issue a full chargeback on both charges for services that were never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I visited the TD Bank branch in XXXX, Connecticut on XX/XX/XXXX. Attempting to withdraw {$5000.00} from my account. The bank did not have the money and instructed me to return the next day. Before returning I called the bank branch on the morning of XX/XX/XXXX, and they said they still do not have enough money to honor my {$5000.00} withdrawal. And they wouldn't be able to tell me when they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, Nelnet responded to FSA Ombudsman Case # XXXX and provided a letter containing five specific admissions that directly prove inaccurate credit reporting. Nelnet admitted : ( XXXX ) my required monthly payment is {$0.00} through XX/XX/XXXX due to SAVE forbearance yet XXXX continues reporting a $ XXXX payment obligation on account XXXX XXXX at all three credit bureaus ; ( XXXX ) the multiple loan entries on my credit report are per-disbursement reporting of one account that " can make it appear as if there are duplicate accounts '' yet Nelnet states no corrections are needed ; ( XXXX ) approximately $ XXXX has been withdrawn from my bank account during active forbearance when {$0.00} is legally owed Nelnet did not account for these withdrawals ; ( XXXX ) the XXXX consolidation loan absorbed these SAVE Plan loans yet is reporting active repayment status contradicting the forbearance Nelnet confirmed ; ( XXXX ) prior servicer Great Lakes/XXXX entries may still be appearing as active accounts alongside Nelnet entries on my credit report. Nelnet 's own letter is attached as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: InDebted Corporation
State: IA

Complaint narrative:
On XX/XX/year> I received a text message from a company called InDebted USA. In the text message they sent they only said this and a link to their website. Hi! Welcome to InDebted, we're here to help with your XXXX XXXX account. We are a debt collector. According to the FDCPA they failed to provide a way for me to dispute the debt through their website and they have failed to provide a validation letter which is required 5 days after the initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My lender/bank transferred approximately {$730.00} from my savings account toward my vehicle loan payment without my authorization. Autopay was not enabled on the account, and I did not authorize this transfer at the time it occurred. The withdrawal severely impacted my ability to pay other obligations, including rent. I am requesting documentation showing the legal authorization for this transfer, an investigation into the transaction, and review of whether the lender improperly exercised a right of offset or unauthorized internal transfer.

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 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
b'Bank of America Complaint Report Number: XXXX\n\nVendor, Date and Amount of unauthorized purchases were made:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThese transactions were not made by cardholder. They were unauthorized and result of identity theft and credit card fraud. \n\nBoth cardholders had cards in their physical possession. Cardholders were in XXXX Colorado (from XXXX to XXXX) at the time of the fraudulent purchases. Documentary evidence including flights, XXXX XXXX and other supporting documentation supplied to Bank four times via fax on XXXX and faxed from bank on XXXX, Email to email address supplied by bank (x1) and mail on XXXX. Bank also has authorized credit card purchases made by card holders on XXXX while in XXXX Co.\n\nCardholders identified fraudulent transactions on same day XXXX at XXXX and called bank (Evidence of phone log provided to bank of calls made to Ph: XXXX XXXX XXXX XXXX on XXXX. Calls were also recorded by bank) to alert them that the transactions were unauthorized, and that we were out of state, and to have transactions stopped and card blocked. Card was blocked but bank allowed transactions to clear even after we alerted them same day of the fraud charges processing.\n\nAt bank request police report was made (#XXXX) on XXXX and provided to the bank as outlined above four times.\n\nOn XXXX, Bank wrote to cardholders stating "unable to approve recent claim". Cardholders requested claim be re-opened on the above ground. (Bank of America Complaint Report Number: XXXX).\n\nDespite numerous calls, supporting documentation, police report the bank has been non-responsive to us who have been bank customers in excess of 25 years!'

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 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Marcus Refusing to Honor {$1500.00} Savings Bonus After I applied through their promo online : On XX/XX/year>. I clicked directly from the promo link on their homepage websit followed all the steps exactly as instructed. Throughout the application process, the promo information was visible, so naturally I assumed everything was properly applied.. There was an issue on their on end were some documentation they send for me to verify didn't not show up on my account. We resolved this issue on the phone. During this time no one told me I had to enroll to receive my bonus after deposting {$100000.00} and maintaining my balance for 90 days. I clearly clicked on the " Enroll Now '' promo. The glich was on their end coming from their website. I called to resolve this issue but there was working this out on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: WA

Complaint narrative:
I sent {$1000.00} + service feee {$40.00} on XX/XX/year> via Ria money transfer but the recipient still didnt received the money after 13 days. I have contacted Ria to resolve this issue several times with no resolution. Also the recipient contacted the bank in XXXX and they said they didnt received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MA

Complaint narrative:
US bank closed my personal account ( not to be confused with my business one that's still open and I want to keep open ) with {$25.00} in it It was supposed to be received several weeks ago, I've received all correspondence in the mail except for my check I need the check resent with a tracking number Incase it gets " lost '' again

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I financed an airline purchase through Upgrade for approximately {$1400.00} for XXXX XXXX travel. The airline repeatedly changed my itinerary multiple times, and I never completed any travel. XXXX issued a partial travel credit instead of a refund. I later attempted to rebook using the credit, but that travel was also canceled and no transportation service was ever completed. Upgrade denied my dispute based solely on merchant policy and refused to evaluate whether the financed service was actually delivered. My loan agreement states that the holder of the consumer credit contract is subject to claims and defenses the debtor could assert against the seller of goods or services. I am asserting a services-not-rendered dispute because no completed transportation service was ever provided despite full payment of the financing agreement. I am requesting a formal review of whether the financed service was actually delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I asked for documents on the sales price of the vehicle and it was resold at about 60 % of the loan. The remainder of the loan was around XXXX and the car was resold for XXXX. I spoke with multiple reps trying to have the loan refinanced under a single owner as it was property included in a divorce and they failed to assist me in any way possible. I had been trying to speak to them on multiple occasions about getting this removed and them go after the original loan owner, but they would not help. Ally financial has been involved in predatory lender lawsuits and I believe that I was a victim of it also. I had sent them copies of the divorce agreement and the lawsuit filed against the original owner of the loan with no response from them

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: AR

Complaint narrative:
Subject : Complaint Against Debt Collector for XXXX Disclosure and Improper Collection Practices I am filing a complaint regarding the collection practices of a company attempting to collect an alleged debt associated with Quick Wallet. The company has contacted not only me, but also third parties whose information I never provided and who are not directly associated with this alleged account. The collector has : Contacted my place of employment and disclosed information regarding alleged legal action to general staff members. Left voicemail messages stating I would be served with court papers and referenced a court order summons. Sent text messages regarding possible legal action to a phone number belonging to someone related to me by marriage whose contact information I never provided to them. Used my maiden name in communications, which I no longer commonly use. Additionally, I attempted to resolve this matter previously. In XX/XX/year>, I attempted to set up payment arrangements online, but the system would not allow me to proceed. I also contacted the company by phone regarding the matter. Despite this, I never received any written validation of the debt, notices required under federal law, or any documentation outlining the amount allegedly owed, the original creditor, or my rights to dispute the debt. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), including : Improper third-party disclosure of debt-related information, Harassing or deceptive collection practices, Threatening legal action, Failure to provide proper written debt validation notices, Repeated contact with unrelated third parties. I am requesting that this matter be investigated and that the company be required to : Cease improper third-party communications, Provide proper written validation of the alleged debt, Stop misleading representations regarding legal action, Comply fully with all FDCPA requirements moving forward. I have retained screenshots, call logs, voicemail records, and text messages related to these communications and can provide them upon request. Thank you for your assistance regarding this matter.

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 2026-05-28 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: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XXXX XXXX had issued a garnishment paper work to my employer. I was able to get the funds to pay in full. The problem is I have a verbal offer acceptance from a representative at the firm, between XX/XX/XXXX and XX/XX/2026, they accepted {$4600.00}, reduced from {$5400.00}. The name of the representative that got back to me with this offer acceptance is XXXX XXXX. Now, they're not answering my emails or phone calls regarding this garnishment and my attempt to pay it now. I have the funds to pay the {$4600.00} in full, and no one is returning my calls. My next step is going to the XXXX XXXX XXXX to file an Objection to Garnishment in hopes of getting a hearing and pausing the garnishment. It's deceptive to accept an offer then not allow the consumer to pay it by stopping communication all together.

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 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: TX

Complaint narrative:
I went to XXXX XXXX to identify who I am and to show that I dont owe the money for past treatment. They the hospital said that I was not in there system identity didn't match. I provide the collection company with my ID social and letter from the hospital saying that I was not the right person. I haven't received any proof that it's my debt and I want it removed immediately.

Company response to consumer: Untimely response