vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding Wells Fargos denial of my fraud claim involving unauthorized money transfers totaling {$3100.00}. On XX/XX/year>, I discovered XXXX pending transactions labeled XXXX XXXX Authorized to XXXX in the amounts of {$1200.00} and {$1800.00}. I did not authorize these transactions. I immediately contacted Wells Fargo at approximately XXXX a.m. while the transactions were still pending and reported them as fraudulent. During the same week : My XXXX credit card was fraudulently charged {$350.00}. An XXXX XXXX credit account was fraudulently opened in my name and later closed after I reported it. I filed a report with IdentityTheft.gov. This clearly demonstrates I was the victim of identity theft. Wells Fargo has denied my claim, stating the merchant has email authorization. I did not authorize any transfers and did not knowingly send any email authorization. If my email or online banking was accessed, that was part of the identity theft and is still unauthorized under the Electronic Fund Transfer Act ( Regulation XXXX ). I am requesting : A full reinvestigation of my claim. Written documentation of the alleged authorization, including full email headers, IP address, device information, and proof that I personally initiated these transfers. Immediate reimbursement of the {$3100.00} that was withdrawn from my account. I reported the fraud promptly and while transactions were pending. I believe Wells Fargo has improperly denied my claim under federal consumer protection law.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by BB & T to XXXX XXXX XXXX XXXX XXXX ), a consumer reporting agency. BB & T reported adverse information and subsequently closed my account without providing clear reasoning or adequate explanation. The activity in question was not the result of fraud or intentional misuse, which I communicated to the institution at the time of closure. However, the information continues to be reported in a manner that does not accurately reflect the circumstances or current status of the account. As a result of this reporting, I have been denied the ability to open a checking account with other financial institutions, causing ongoing financial hardship and limiting my access to basic banking services. I have contacted BB & T directly to request correction or updating of the information furnished to XXXX XXXX XXXX but the issue remains unresolved. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to ensure that information reported to consumer reporting agencies is accurate, complete, and properly updated. I am requesting that BB & T conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XX/XX/year> XXXX pm -Text Message [ My name ], your past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account is still with our office. Attorney placement is at the client 's discretion, and no attorney is on file today. Avoid further escalation by resolving online : https : XXXX or call XXXX. This message is from Halsted Financial, a debt collector. Reply stop to opt-out XX/XX/year> XXXX pm -Text Message [ My name ], we want to help you resolve your XXXX Card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. There's no attorney involved at this time, but our client may consider further action if the balance remains unresolved. Act now while it's still with us, make a payment at https : XXXX or call XXXX. This message is from Halsted Financial, a debt collector. Reply stop to opt-out XX/XX/year> XXXX pm -Text Message [ My name ], reminder, your XXXX Card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remains unpaid. Attorney involvement is not currently on file, and that decision is our client 's alone. Keep the account with our office and resolve with flexible options : https : XXXX or call XXXX. This message is from Halsted Financial, a debt collector. Reply stop to opt-out XXXX XXXX XXXX pm -Text Message [ My name ], your XXXX Card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is unresolved. Only our client decides on attorney placement, and none is on file now. We'd like to resolve this directly. XXXX flexible options : https : XXXX or call XXXX. This message is from Halsted Financial, a debt collector. Reply stop to opt-out XXXX XXXX -Text Message [ My name ], as we notified you, if we can not resolve this, we must return your XXXX Card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to the current creditor for review to see if it meets their criteria for referral to a law firm in your state. Contact Halsted Financial, a debt collector, while there is still time to work with us. Visit https : XXXX or call XXXX. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank gave somebody a mortgage in my name. It was a XXXX-year loan. I found it when it showed up on my credit report as being XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am submitting this complaint after multiple attempts to obtain meaningful hardship review from SoFi regarding my private student loan. On XX/XX/2026, SoFi issued a denial determination related to my request. Following that determination, I submitted additional written correspondence requesting executive-level review and comprehensive hardship evaluation due to significant financial strain. The current monthly payment of {$1700.00} places a substantial burden on our household. I am not disputing the validity of the loan agreement. I am requesting that SoFi conduct a meaningful hardship review and consider sustainable repayment alternatives. Despite my escalation requests, SoFi has continued to respond with standardized servicing language stating that once a denial determination is issued, they are unable to modify that decision. The only options presented have been short-term forbearance or long-term maturity extension, both of which increase the total cost of the loan through interest capitalization and do not provide a sustainable long-term solution. My concern is not with the existence of the contract, but with SoFis refusal to conduct a meaningful executive-level hardship evaluation beyond automated servicing criteria. I am requesting that SoFi : Conduct a formal executive-level hardship review. Provide written explanation of how my hardship request was evaluated. Confirm whether my account was reviewed beyond standard denial criteria. Consider sustainable repayment restructuring options. I am seeking good-faith engagement and structured resolution, not avoidance of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: WA

Complaint narrative:
Westlake Portfolio Management purchased my auto loan from XXXX XXXX. I received notification of the upcoming transfer from XXXX XXXX, and followed all instructions in the link provided to transfer / set up my auto pay with the new loan servicer well before the transfer deadline. I found out months later that the auto pay had not been set up properly by WPM for two months after the date of transfer, resulting in two " late payments '' that have now significantly impacted my credit report. I formally requested a correction to the Credit report due the company 's failure to initiate the autopay transfer on time and was informed the credit reporting was correct with no additional information. I requested documentation of all account details that were used in the review of making the credit determination and was only provided with a payment history doc on the loan that ALSO is showing they have been charging me a late fee EVERY MONTH since my loan transferred even though I am enrolled in autopay. I have tried reaching the company by phone for over two months now and can not get a human on the line. I keep receiving what appear to be auto response messages via email telling me to call them back at the hotline. Some research online has indicated this is a widespread practice of the company with multiple consumers reporting the same tactics following their loan switching over from Mechanics. I don't know how to get my autoloan transferred to a legitimate lender.

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Failure to Conduct Reasonable Investigation and Failure to Provide Evidence I am submitting this complaint regarding PayPals handling of the following dispute cases : PayPal Case ID : XXXX PayPal Case ID : XXXX Both cases were reported on XX/XX/year> and marked as closed on XX/XX/year>, with PayPal stating that certain transactions were authorized. These cases involved dozens of transactions, multiple merchants and payment types ( purchases, money sent, transfers, and pre-approved payments ), multiple financial institutions ( including PayPal Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and significant aggregate dollar amounts. Despite this complexity, PayPal closed both cases in approximately 14 days. PayPal did not : Identify which specific transactions were deemed authorized or unauthorized ; Provide transaction-level explanations ; Produce any supporting evidence ; or Explain how such a large and complex set of transactions was investigated and resolved so quickly. Instead, PayPal issued a conclusionary determination without meaningful explanation. I have repeatedly requested the evidence relied upon in these determinations, including device data, IP logs, authentication records, session data, communications with merchants, and internal investigative notes. No evidence has been produced to date. In one of the cases, PayPal relied on the label pre-approved payment to deny disputed transactions. This designation alone does not establish that the account holder authorized the transactions, identify who initiated them, or rule out unauthorized access or misuse of stored credentials. No transaction-level proof was provided. PayPals conduct does not meet the standard of a reasonable investigation required under federal consumer protection laws, including the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z. A reasonable investigation requires more than conclusory labels and requires an evidence-based, transaction-level review. Additionally, PayPals determinations in these cases were relied upon by XXXX XXXX XXXX XXXX XXXX in related disputes and regulatory matters, making PayPals investigative records material to third-party financial decisions. Despite this, PayPal continues to withhold all supporting documentation. I am requesting that PayPal be required to : Produce the complete investigative files for both cases ; Provide transaction-level determinations and explanations ; Explain the methodology used to conclude these investigations so rapidly given their scope and complexity. Until PayPal provides the requested evidence and explanations, I do not accept the determinations issued in these cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
Charrington Firm keeps calling me about a debt that was included in my bankruptcy even after my attorney talked to them. They will not give me info on the debt, but it was included. This is now harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
Validation of Debt Request - IQ DATA INT - IQD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Validation of Debt Request - LVNV FUNDING - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo has froze my account saying that a payment that was sent to me was flagged. They said they are shutting my account down like suspending it. But I have {$20000.00} in the account. And they will not let me access my funds. I have tried to call them and email with no response multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a purchase using PayPal and later returned the item to the seller in unused condition because it did not fit. The seller accepted the return but issued only a partial refund, deducting a significant amount while claiming the item was damaged. I did not wear, alter, or use the item prior to return. I filed a dispute through PayPal in good faith requesting review of the withheld refund. PayPal denied the dispute stating the transaction was processed correctly, without providing evidence supporting the sellers damage claim or explaining the justification for the deduction. I requested clarification and supporting documentation but was not provided inspection evidence or proof that I caused any damage. My concern is that PayPal did not properly review whether the deduction from my refund was justified and instead closed the case based solely on transaction processing rather than fairness of the refund outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received an email from Capital One with the promotion XXXX to open a debit card with them and if I made 2 or more direct deposits of XXXX or more by XX/XX/XXXX I would get XXXX. I opened the account on XX/XX/XXXX. I made more than 2 deposits of XXXX or more within the time frame and now they're not giving me my XXXX. I get paid from my employer XXXX to my XXXX app. I sent the money from my app to my Capital One card. It didn't specify what kind of account it has to be it just said 2 direct deposits of XXXX or more. I've called them XXXX different times and they just word it like I've used another card to put it into my capital one account which isn't true. I get paid from XXXX to XXXX which then goes to the capital one account. Thanks for your help and XXXX bless you and your family!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have two accounts with Self Financial / Lead Bank that both have unresolved errors. 1. Credit Builder Loan On XX/XX/XXXX, Self initiated an unauthorized {$41.00} " Payment Retry '' for a manual payment I never authorized. This caused a {$31.00} late fee on XX/XX/XXXX, and a {$15.00} dishonored item fee in XX/XX/XXXX. Total disputed : {$87.00}. I disputed these charges. A supervisor waived a separate late fee but refused to reverse the unauthorized {$41.00} transaction or the {$31.00} late fee, claiming they were " covered by payments. '' This violates Regulation E which requires investigation and reversal of unauthorized electronic fund transfers. Self has failed to properly investigate or correct these errors. I have statements proving I never authorized the original payment. I demand reversal of all {$87.00} in unauthorized charges and fees. 2. Secured Credit Card This secured card was closed on XX/XX/XXXX. I had a {$170.00} security deposit. Self applied the deposit on XX/XX/XXXX, but left a {$74.00} balance after improperly charging a {$25.00} late fee on XX/XX/XXXX. Per their Cardmember Agreement : when the account is closed, they must return any excess deposit after paying the balance. After applying my {$170.00} deposit, the true balance should be XXXX and I am owed the excess. Self owes me at minimum {$100.00}. They have ignored my requests. I have all statements as proof. I demand refund of my excess deposit and reversal of the improper late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hi- I paid off my Wells Fargo auto loan on XX/XX/year> and closed the account. On XX/XX/year> Wells Fargo deducted {$1900.00} from my checking account. Wells Fargo continues to deduct payments on a loan that has been paid off. I called 3 times but they said my claim not valid and I am owed no money.

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 2026-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I contacted my current mortgage servicer, Newrez, after receiving a refinance offer from another lender for a VA mortgage at a 4.99 % interest rate. I informed Newrez of the competing offer. I was explicitly told that they could match or beat that rate. This representation was made directly to me on a recorded line. Relying on that representation, I chose to proceed with Newrez and paused my application with the competing lender. I did so in good faith, based on what I understood to be a clear commitment. However, I was later sent loan documentation reflecting a 30-year mortgage product that did not match the terms discussed. A few days later, I spoke with a manager who stated that correcting the issue would be no problem. On XX/XX/year>, I again spoke with the loan agent, XXXX, and his manager contacted me reiterating that it would be corrected. Later that same day, I was informed that the company would not honor the previously stated rate and that I would have to proceed with a 30-year mortgage at different terms. When I referenced the earlier recorded representations, I was told that nothing had been promised or implied. I requested copies of the call logs and recordings, as all conversations are recorded, but no resolution was provided. As a result of relying on Newrezs representations, I lost valuable time and rate protection. Interest rates have since increased, and I am now exposed to worse market conditions. This delay and reversal have caused financial harm due to lost opportunity and rate exposure. I am a 100 % XXXX veteran seeking to refinance under a VA loan program. I believe I relied in good faith on representations that were later denied. I am requesting that the company either honor the originally represented rate or provide a formal written explanation along with copies of the recorded calls and internal notes related to my file. I believe this may constitute misrepresentation and potentially violate applicable consumer protection laws, including the Pennsylvania Unfair Trade Practices and Consumer Protection Law. I am requesting regulatory review and assistance in resolving this matter. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation