vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
A man named XXXX XXXX, or if that is his real name, scammed me into giving him {$1000.00} and said he would refund it back to me on XX/XX/year> and never did and he had me send it to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: AK

Complaint narrative:
On XX/XX/XXXX, I requested an Online loan with Brightlending.com The amount was {$900.00}. On XX/XX/XXXX, I contacted the lender to get an update on the loan balance and the amount paid. According to Customer Service personnel, XXXX, as of XX/XX/XXXX, I have paid a total of {$3400.00}. The said personnel said I still owe a total balance of {$1100.00} as of XX/XX/XXXX. The lender has been automatically withdrawing {$240.00} every XXXX weeks from my checking account since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
b"This is an update to Complaint XXXX XXXX\n\nIn addition to filed Complaint, today. Bank of America had me on hold for XXXX minutes until Rep answered. XXXX XXXX. Bank of America can't remove Autopay on my Account. They can charge me XXXX instead to put Stop Payment. No thank you. I've already moved my Savings account to another Bank. Opened up a new Checking account to another Bank. I want the paperwork from XXXX XXXX XXXX. I want a callback re : this new matter.\n\nThank you \n\nXXXX XXXX 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: OH

Complaint narrative:
Plaza services is on my credit report. Tried to get it off even called them they knew nothing about this debt, telling me they do not have me owning any debt. This was reported XX/XX/year>. Also a place called XXXX has been added to my credit report, when I called them they also do not have an account with my name ss number or birthdate. I need this fix so that it does not reflect on my credit for something not associated with me. Also XXXX is on .y credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
account is inaccurate for XXXX &, I request verification of the original contract, chain of assignment, and proof that I own this debt Please provide documentation verifying the original account with XXXX XXXX, the chain and transfer of ownership, and the full payment history. This is old debt in which the statute of limitations dont apply, so you can not sue me for this old debt. Please validate that I own this debt as well. Please delete it off my credit report when you figure out I dont indeed own this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I attempted to file a dispute with SoFi Bank today in the amount of {$100.00}. I feel this bank is intentionally making it difficult to file disputes. I had to call 4 times finally asking for a supervisor. There used to be a professional process for disputes but not anymore. I asked about the provision credit that you usually get on the XXXX business if a decision had not been made yet. I received no clear answer from the representatives I spoke to. When I finally got to a supervisor, named XXXX, the experience got worse. He advised me that not all transactions are covered under Regulation E. I asked him to please explain, as that is not my understanding. I repeatedly asked why this transaction may or may not be covered? I asked what transactions are not covered? He talked in circles and would only state " that is our internal process. '' He kept saying that over and over. I am not even sure if my dispute was actually processed. Usually, a confirmation email is immediately sent. I asked XXXX about the email, and if he wouldn't mind waiting on the phone a minute until I got it. ( I certainly did not want to have to call back. ) He said no. He said I " might '' get an email later. None of my questions about provisional credits, disputing time frame etc were answered. In fact, he did not even go over any disclosures with me. Banks don't do that anymore? The only thing I know for sure, XXXX could not wait to get off the phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My account closed XXXX months ago. They want me stepping into branch to get my closed out account. I did last week then told me I have to present court order

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: NC

Complaint narrative:
I am disputing an account being reported and collected by XXXX. I did not authorize this account and have never signed any agreement for it. XXXX is reporting this account on my credit file, and XXXX is attempting to collect it. I requested verification of the debt from XXXX, and they sent a document that does not include my signature, contains incorrect addresses, and otherwise fails to verify that this debt is mine. I returned the document highlighting these errors and requested proof of the original agreement and verification of the debt. To date, they have not provided documentation proving I am responsible for this account. This account is being reported inaccurately on my credit file and is causing financial harm, including making it difficult to secure housing and manage my finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC

Complaint narrative:
In XX/XX/XXXX my spouse and I paid off our mortgage serviced by XXXX XXXX In XX/XX/XXXX XXXX sent us a letter stating that an overage refund of USD $ XXXX owed to us. When we did not receive the payment, I contacted XXXX but received no response. I then filed a complaint with the Consumer Financial Protection Bureau. In their response, XXXX acknowledged in writing that the {$2600.00} refund was owedand stated that they would send a check. No payment was received. I filed another complaint. XXXX again acknowledged the amount owed and stated that they would re-issue a replacement check. Again, no payment was received. I then submitted CFPB complaint XXXX XX/XX/XXXX. In XX/XX/XXXX XXXX responded stating that instead of sending a check they could transfer the funds electronically if I provided a void check. I provided a void check on XX/XX/XXXX, XXXX requested. Since then, I have followed up with XXXX multiple times in XXXX and XX/XX/XXXX. XXXX has not acknowledged receipt of the void check and has not transferred the funds. It is now XX/XX/XXXX and the refund has still not been paid. XXXX has acknowledged in writing multiple times that these funds are owed, yet payment has not been remitted. Continued delay may constitute improper retention of borrower funds and a mortgage servicing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: FL

Complaint narrative:
I am filing a complaint against Wells Fargo regarding repeated improper denials of my fraud claim for unauthorized ATM withdrawals from my account. These withdrawals began on XX/XX/year>. I did not make any of these transactions. Despite this, Wells Fargo has denied my claim approximately XXXX times. Each denial states that because the ATM withdrawals were completed using the chip and correct PIN, Wells Fargo assumes I must have been the one who made the transactions. This is incorrect and does not meet the requirements of XXXX XXXX The use of a correct PIN does not prove authorization, and criminals can obtain PINs through skimmers, hidden cameras, or compromised terminals. Wells Fargo has not provided any evidence that I performed these withdrawals. They have not provided ATM camera footage, device logs, fraud analysis notes, or any documentation supporting their conclusion. They have also not demonstrated that they conducted a reasonable investigation, as required by federal law. XXXX and pattern : * XXXX ATM withdrawals occurred beginning in XX/XX/year>. * I reported the fraud promptly. * Wells Fargo has denied my claim repeatedly ( XXXX times ). * Each denial relies solely on the presence of a chip and correct PIN. * No new evidence has ever been provided. * No meaningful investigation appears to have been conducted. This repeated denial pattern suggests that Wells Fargo is not complying with XXXX XXXX requirement to conduct a reasonable investigation and not to assume customer liability based solely on PIN use. Why I believe this violates federal law : Regulation XXXX ( XXXX XXXX XXXX ) requires banks to : * Conduct a reasonable investigation of unauthorized electronic fund transfers. * Not deny claims solely because a PIN was used. * Provide documentation supporting their findings when requested. * Correct errors when an unauthorized transfer is confirmed. Wells Fargo has failed to meet these obligations. What I am requesting : I am asking the CFPB to require Wells Fargo to : XXXX. Reopen and properly reinvestigate my fraud claim. XXXX. Provide all documentation used in their prior denials, including ATM camera footage, device logs, and fraud analysis notes. XXXX. Issue a provisional or permanent credit for the unauthorized withdrawals. XXXX. Provide a written explanation of the steps taken in the reinvestigation. I am seeking regulatory assistance because Wells Fargo has repeatedly denied my claim without evidence and without conducting a proper investigation. Last XXXX number Wells Fargo : XXXX Account number ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
I enrolled in a debt resolution program with Beyond Finance. The fee structure and program terms were not clearly explained during enrollment. I later learned that the company charges approximately 25 % of the enrolled debt as program fees regardless of the negotiated settlement outcome. This was not clearly disclosed during the enrollment call. A significant amount of money has been withdrawn from my account, and I am requesting a review of the recorded enrollment call, a full itemized breakdown of fees, and an adjustment or refund of disputed charges. I believe the service may have been misrepresented and I am requesting regulatory review and assistance resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I entered into a lease-to-own agreement with Acima Credit for furniture XXXX My lease agreement clearly states : You may return the Property at any time with no obligation or penalty. After deciding to return the furniture, I contacted the company and requested instructions for returning the property and asked them to schedule pickup. Despite multiple attempts to arrange the return, the company did not schedule pickup or provide clear return instructions. Instead, the company offered to cancel the lease only if I paid {$240.00}. This contradicts the terms of the lease, which state that the property XXXX be returned at any time with no obligation or penalty. I am attempting to exercise my contractual right to return the property, but the company is preventing the return while attempting to collect payment. Additionally, the company told me the account was closed, but I was still charged {$59.00} after that, despite exercising my right to return the property. I am requesting that the company arrange pickup of the property and cancel the lease with no payment due, consistent with the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
Validation of Debt Request - CAINE WEINER ( PROGRESSIVE ) - 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 explanation
Consumer complaint received 2026-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was in the hospital seeking medical attention and legal assistance I dont understand where my money went while I was in the hospital in my vehicle {$4600.00} was taking out of my account and also my vehicle was missing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am receiving repeated phone calls and voicemails regarding an alleged payday loan originally from Check XXXX Go from approximately 2006. I have not made any payment on this account since that time, and the debt is well beyond the Texas statute of limitations. Over the past XXXX years, I have received calls from multiple companies, including Debt Recovery Systems, XXXX XXXX XXXX, and other callers using different names and phone numbers, claiming they are attempting to collect this debt. Callers frequently state that a civil lawsuit has been filed against me or that legal action will be taken unless I call back immediately or set up a payment plan. Some messages are automated robocalls telling me to press XXXX to speak with a representative. During several calls, I have been asked to provide banking information or agree to make a payment, and when I refuse, the caller becomes aggressive or hangs up. There are constant threats of legal action, and the calls continue even after I state that I dispute the debt. I have not been served with any court papers, and no case has been found in court records. Because this debt dates back to 2006, I believe it is time-barred under Texas law XXXX and I believe these repeated threats of lawsuits and attempts to obtain payment constitute harassment and misrepresentation under the Fair Debt Collection Practices Act. I am requesting that the calls stop and that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Capital Solutions
State: AL

Complaint narrative:
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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: OR

Complaint narrative:
I'm a federal student loan borrower whose loans are serviced by MOHELA. I graduated from my program in XX/XX/year>. When I checked my account on XXXX, my loans are currently listed as " In Repayment '', even though I should still be within the XXXX grace period following graduation. Additionally, I have been unable to log into my MOHELA account to review my loan details. When I call MOHELA 's customer service number, the system is fully automated and does not allow me to reach a representative for assistance. I am requesting that MOHELA review my account, correct my loan status if it has been reported incorrectly, and provide a way for me to access my account or speak with a representative to resolve the issue. This situation is causing significant stress because I want to ensure my loans are reported correctly and that my credit is not negatively affected by an administrative error.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am filing a complaint against Bank of America regarding unauthorized transactions and the closure of my checking account ending in XXXX. XXXX fraudulent charges were posted to my account : {$130.00} on XX/XX/year> and {$130.00} on XX/XX/year>. I did not authorize these transactions. I filed a dispute ( Claim # XXXX ), but the bank denied my claim and refused to provide reimbursement despite the supporting documentation I submitted. Instead of resolving the dispute, the bank closed my account and is withholding my remaining funds. Under Regulation E, I am requesting reimbursement of the unauthorized transactions totaling {$260.00}.

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