vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing this complaint due to Wells Fargo 's failure to follow commercially reasonable security procedures and their gross negligence in handling a fraudulent wire transfer of {$18000.00}. Despite my immediate report, the bank allowed the funds to leave my account and failed to recover them during a significant window of opportunity. 

Key Facts and Timeline of Negligence : Immediate Notification : On Friday, XX/XX/XXXX, at approximately XXXX XXXX  ( within 40 minutes of the unauthorized transfer ), I contacted Wells Fargo Fraud Department to report the transaction as fraudulent and requested an immediate recall/stop payment. 
The " Pending '' Window : At the time of my report, the transaction was officially in " Pending '' status in my account. It remained " Pending '' for 18 hours after my report. Under UCC Article 4A-211, the bank had a " reasonable opportunity to act '' to cancel the order while it was still within their internal system. They failed to do so. 

The 72-Hour Recovery Window : Law enforcement has confirmed that the stolen funds sat in the recipient 's " mule '' account until Monday, XX/XX/XXXX. Wells Fargo had a 72-hour window ( Friday afternoon through Sunday night ) to initiate an interbank fraud freeze or " Request for Return. '' Because the funds were not moved by the suspect until Monday, the loss was entirely preventable. 

Breach of Verbal Agreement/Deadline : On XX/XX/XXXX, the Wells Fargo Executive Office requested a 60-day extension to provide an itemized audit trail and a final resolution. An Executive Case Manager set a final verbal deadline of Friday, XX/XX/year>. As of XXXX XXXX  on that date, the bank has failed to provide the promised logs, failed to issue a credit, and has ceased communication. 

Legal and Regulatory Violations : UCC Article 4A-204 & 4A-211 : The bank failed to act on a cancellation notice received at a time affording a reasonable opportunity to act. 

Negligence/Breach of Duty of Care : The banks 18-hour delay while the status was " Pending '' and subsequent 72-hour failure to freeze destination funds constitutes a failure to exercise ordinary care.

Regulation E ( EFTA ) : I am asserting my rights regarding an unauthorized electronic fund transfer and the bank 's failure to resolve the error within the mandated investigative period.

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
on XX/XX/year>XXXX  my wife and I opened both a checking and savings account in person at a Wells Fargo Bank in XXXX XXXX, Wy. I got a promotional email that was sent to my email that they have a promotion for new customers to get a {$320.00} checking account bonus requiring deposits of {$1000.00} or more direct deposit as every month I get XXXX checks of {$1200.00} direct deposited as it clearly says that you have to have an checking account opened for 3 months which I have had having direct deposits of {$1000.00} or more which I have met such requirements and that after 3 months of account opening you must wait 30 days for such deposit of {$320.00} to the checking account. I mentioned this offer to my banker at this Wells Fargo Branch as her name is the following XXXX XXXX as she told me that she would submit my request and I should be getting such deposit as to date I have not gotten this deposit credited to my bank account. I found out that Wells Fargo and the banker made an error as both the branch manager XXXX and banker XXXX did not at all apologize for the inconveniences caused and that this will be escalated as since then I have been jerked around by their corporate office that this needs to be investigated and it takes up to 10 business days for a resolution which is absolutely ridiculous as both the banker and branch manager dont seem to care at all and not being very supportive as I am entitled to this money and promotion as really they should honor my request right away giving me my money and also should compensate me for all the inconveniences caused by this as I have no money at all thanks to them. This is by far the worst company I have ever dealt with as I am being screwed over by them. I have a case on file of being the following XXXX I have since called and spoke to their executive office at XXXX XXXX but still getting the run around with them and alot of 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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ), specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation XXXX These have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: DE

Complaint narrative:
I am filing a formal complaint regarding serious servicing errors on my federal student loan account with MOHELA. 

While enrolled in the SAVE income-driven repayment plan, my loan balance increased by approximately {$11000.00}. During this time, I was either under a federal payment pause or was placed into forbearance without my request or consent. 

Under the SAVE plan, unpaid interest above my required monthly payment should be subsidized and not added to my principal balance. However, my balance increased substantially, suggesting improper interest accrual and/or capitalization.

Additionally : Interest appears to have been charged during a period that should have reflected 0 % interest. 

A forbearance was applied without my authorization. 

Payments were required during a period that should have qualified for pause protections. 

I am requesting : A full audit of my account. 

Immediate reversal of all improperly accrued and capitalized interest. 

Restoration of my balance to what it should have been under SAVE protections. 

Written confirmation explaining how this {$11000.00} increase occurred. 

This error has caused significant financial harm. I expect prompt correction.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I asked Chase bank to close my checking account on XX/XX/XXXX, was advised that the balance of {$3900.00} was mailed to me on XX/XX/XXXX, I never received the check, on XX/XX/XXXX, Chase provided a declaration form for me to sign, I signed and faxed over the form asked to stop the original check, and a new check will be issued, on XX/XX/XXXX still no check, called again and was advised nothing else they can do on this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I. Loan Origination & Disclosure Sabotage On XX/XX/XXXX, I accompanied my daughter to the dealership to serve as a co-signer for a vehicle purchase. However, the dealership engaged in a 'role-flipping ' scheme, electronically manipulating the contract to list me as the Primary Buyer without my consent. Furthermore, a predatory 24.5 % APR was added to the contracta term I never viewed, authorized, or knowingly signed. 

To facilitate this fraud, the dealership entered an incorrect contact phone number on the contract profile. This was a deliberate act to ensure I would never receive the mandatory digital Truth in Lending Act ( TILA ) disclosures or the electronic loan package required by Regulation Z. As of today, I have still not been provided with a full loan package. 

II. Discovery of Fraud & Mechanical Failure On XX/XX/XXXX, the vehicle suffered catastrophic mechanical failure estimated at {$19000.00} in repairs. After the dealerships service department failed to inspect the car for four days, I had it towed to a specialized manufacturer dealership, which provided a diagnosis in three hours. 

I did not discover the 'role-flip " forgery or the 24.5 % APR until XX/XX/XXXX, when I finally received a copy of the retail purchase contract via emailtwo months after the salefollowing a verbal demand to a supervisor. 

III. Warranty Collusion & Administrative Backlogs A {$5900.00} warranty from a provider owned by the lender was bundled into this fraudulent deal. Despite the vehicle being sold as 'Certified, ' the claim was denied as 'pre-existing. ' The provider cited an administrative backlog on issuing denial letters, creating a financial trap that prevents me from cancelling the contract while the lender initiates collection activity. 

IV. Bad Faith Internal Investigation I have attempted to engage with lender compliance and fraud departments. On XX/XX/XXXX, the lender issued a summary denial of my fraud claim. Their findings claimed to validate the account using a phone number I only provided to them one week ago. They are deceptively using current data to validate a past forged transaction that was consummated with sabotaged contact information. Furthermore, the lenders findings misspelled my first name, proving no actual review of my identification was conducted. 

V. Demand for Resolution I have filed reports with state regulatory agencies ( XXXX, OCCC, and OAG ) and an FTC Identity Theft Report. I am flagging these actions as willful violations of TILA and the ESIGN Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone sent me XXXX to my account then disputed the charges to her bank so my account was restricted for no reason due to the other party sending me the money it was fraudulent payments from the other party and they disputed the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, my XXXX line of credit was closed after the XXXX repayment period and, according to the XXXX notice, should have been sent to collections. Although my XXXX account was charged off and closed, the letter I received did not disclose that any automatic withdrawals would still occur, making the XXXX XXXX XXXX withdrawal of {$1000.00} from my checking account unauthorized. The withdrawal actually occurred in the early hours of XX/XX/year>, when my paycheck was deposited, so I had no opportunity to prevent or stop the transaction. 

I spoke to a Fifth Third Bank Customer Service Supervisor, and Bank Manager who confirmed I should not have been charged, but she was unable to reverse the transaction because she is not part of the Dispute or XXXX team. I then contacted the XXXX  team, but they informed me they could not reverse the withdrawal. 

Despite multiple attempts to resolve this directly with the bank, the withdrawal has not been corrected, and I am seeking review and reversal of this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing this complaint because Chase placed a restrictive internal note on my account immediately after I corrected their own inaccurate statements regarding NSF fee refunds, and because of the unprofessional and obstructive handling of my case by Executive Support and escalation staff. 

This issue began when XXXX attempted to charge my debit card for a disputed amount of {$1700.00}. I correctly marked the charge as unauthorized in response to Chases fraud alert, which caused Chase to disable my debit card. This removed my only ability to immediately deposit funds into my account, forcing me to rely on slow ACH transfers. During this time, multiple NSF fees were charged.

I contacted Chase repeatedly, including through a CFPB complaint. During one escalation call, the representative spoke extremely rapidly while reading transactions and repeatedly told me let me finish, but would interrupt me whenever I attempted to ask questions or explain discrepancies. She refused to allow me to follow along with my own transaction history and did not properly address my concerns. 

Later, when I spoke with Executive Support, the representative initially insisted that all NSF fees had already been refunded. I checked my statement and repeatedly told her that they were not all refunded. Instead of reviewing my statement, she continued repeating that all NSF fees had been refunded. She repeatedly cut me off and did not properly review my account. Only after I had finally convinced her to take a look at my statement, did she acknowledge the remaining fees. 

At that point, she refunded the remaining fees but explicitly said she was placing a note on my account to prevent any future " courtesy '' fee refunds unless caused by bank error. This restriction was imposed immediately after I corrected Chases inaccurate statements and requested that they complete the refunds that they had already represented as completed. 

This restriction appears to be punitive and directly related to my disputes and escalation. 

Additionally, Chases CFPB response contains inaccurate statements, including claiming that I confirmed a {$1700.00} XXXX charge as valid. I have consistently disputed that charge. 

I am formally requesting that Chase review the recorded phone calls between myself and their escalation and Executive Support representatives. These recordings will confirm that representatives initially provided incorrect information about refunded fees and that the restrictive note was placed on my account immediately after I corrected their error.

The only department that handled this matter professionally was standard customer service. Escalation, Fraud, Disputes, and Executive Support staff failed to properly investigate, listen, or accurately review my account before taking adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> at approximately XXXX I received an email stating that my Citizens bank card would be delivered in 3 to five days. I never signed up for a Citizens bank account so I opened my web browser on my phone and went to Citizens online website. I clicked on forgot username and had to enter my full social security number and date of birth. I had to verify a code sent to my email and the it then showed me my user name. I then clicked on forgot my password. I again had to enter my full social security number and birthday and verify through email to get a security code. I changed the password for the account and was able to log in. I found XXXX accounts each with a {$0.00} balance. I checked the profile settings to see if a different phone number or address was listed. It had my correct address but an incorrect phone number. I did take a picture of that. I then called Citizens fraud line to report this. I was transferred to a few different people but ended up speaking with someone finally who was able to close both accounts. They said the company will send me a letter in the next 30 days and they will be conducting an investigation. He suggested I call each of these three credit reporting bureaus and provided me with the phone numbers. He also told me to file a complaint with FTC.gov which directed me to this website. Both accounts for Citizens were closed and a case number was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute the remaining unauthorized charges on my account. I did not authorize these transactions, did not benefit from them, and was not in possession of my card for these purchases. The fraudulent activity first appeared on my XXXX statement, and I reported it promptly once I became aware of the issue. At no time did I receive any fraud alerts or notifications from the credit card company indicating suspicious activity. Had I been notified, I would have acted immediately. I respectfully request a full review of the remaining disputed charges and reimbursement in accordance with your XXXX-liability policy for unauthorized transactions.

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 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Company XXXX Caine Wiener {$79.00} Company XXXX XXXX XXXX XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I am filing a complaint regarding Bridgecrest ( auto loan servicer through XXXX ) for failure to properly process an out-of-state title transfer, which has prevented me from legally registering my vehicle for approximately XXXX months. 

I relocated from California to Kentucky in XX/XX/year>. California is a title-holding state, and Bridgecrest is the lienholder on my vehicle. In order to register my vehicle in Kentucky, the Kentucky XXXX requires the title to be transferred properly through the lienholder so I can complete the required sheriffs inspection and registration process. 

Since moving, I have repeatedly submitted all requested documents to Bridgecrest via fax, mail, and email, exactly as instructed. Each time, I am told there is an issue with the VIN on my submitted forms. However : I have verified the VIN multiple times. 
The VIN matches my vehicle and loan documents. 
Bridgecrest has failed to clearly explain what is allegedly incorrect. 
I am unable to speak directly with a department that can resolve the issue. 
Email responses take approximately a month and provide no meaningful resolution. 

Because of this ongoing delay : Kentucky will not extend my temporary registration. 
I am currently unable to legally register my vehicle. 
I am still required to pay Kentucky property taxes on an unregistered vehicle. 
I am at risk of penalties or enforcement due to lack of registration. 

This issue has been ongoing for XXXX months despite my repeated compliance and submission of documentation. I am requesting : 1. Immediate review of my account by a title/compliance specialist.

2. Written clarification of any alleged VIN discrepancy.

3. Prompt processing of the required title transfer to allow lawful registration in Kentucky.

4. Confirmation of the timeline for resolution.

I have made good faith efforts to resolve this directly with Bridgecrest without success. I am seeking regulatory assistance to compel proper handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I have a last name change dispute : I have tried going in to the banking center for chase they said I have to call, i have tried the app they said i Have to call, I have called Chase Bank credit card XXXX XXXX just today XX/XX/year> before today I have been calling for XXXX months since XXXX!! Everytime I call I speak to a foreign person and today was the end of the line!!!! Her name is XXXX XXXX she claims she is in Texas!! I have sent my social security card my driver 's license marriage license all to not get them to change the last name on my credit card! I advised I was going to report her for yelling at me and telling me she can't transfer me to anyone i have to speak to her and she said go ahead!!! When I asked her to speak to a manager she said you have to call back every time a call back is done takes XXXX min to speak to a regular agent!!! I am fed up and want to report them!! They will not change my last name on my credit card.

Company response to consumer: Closed with explanation