vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I was checking on my bank activity in order to check on my balances in order to prepare for any further bills due at the remainder of the month. As I checked my bank account, there were charges on my account that were fraudulent and charges that I did not recognize. I also received a phone call from a representative that claimed to work from Wells Fargo and began to inquire information in regards to my account. While I was on the phone with this individual, my bank account was compromised, as my account settings were being changed in real time, including the phone number that was registered under my account. There were unauthorized changes being made and no one else had access to my account except myself. The " representative '' requested that I give them my credit card number, thus I terminated the phone call and departed to my local branch. Once I arrived at my local branch, the branch manager for Wells Fargo assisted me with the issue of the fraudulent charges and I was informed that I would need a new account number and my current account would be closed and account access would be frozen. The local branch manager had also requested assistance from the fraud claims department to further assist with granting me provisional credit. I was notified that this would take ten days to have a disposition and outcome. A week later after the event, I was granted provisional credit and have modified and adjusted my security settings on my account to prevent any further issues in the future. Approximately four days later, I was notified by Wells Fargo that my account would be closed due to being a high risk and security issue to the bank, thus Wells Fargo closing my account. As I do not file claims often with Wells Fargo with fraudulent charges, this comes as I'm at fault for filing the claims and being a high risk. I was not given any further information than this and I was referred to the XXXX XXXX XXXX XXXX to inquire more information on this " high risk ''. None was given.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I selected a standard ( free ) transfer. Due to an application error, Cash App processed the transfer as an instant transfer and charged an instant transfer fee without my authorization. 

I attempted to correct the selection multiple times and the app repeatedly overrode my choice. 

I notified Cash App of the unauthorized fee and requested correction. They failed to respond. 

This is an unauthorized electronic fund transfer and billing error under the Electronic Fund Transfer Act and Regulation E. I am requesting reversal of the instant transfer fee and written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XX/XX/year> : excessive hold times, followed by calls just being disconnected, Inability to access statutory rehabilitation rights.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This debt was removed from my credit report and then over a year later placed back on. It was found I did not owe this debt at the time now they have put it back on. Attempts to resolve with this company have been unsuccessful they wont provide proof and its not my debt

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 2026-01-02 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I purchased several apparel items from a XXXX company called XXXX XXXX. They advertise all over social media. The items arrived and multiple items were damaged or poor quality on arrival, one was too small for the size ordered, and several other items were very poor quality. I immediately and multiple times reached out to XXXX XXXX to initiate a return. I have these documented emails. They ( XXXX XXXX ) emailed me back but instead of replying to me on the same email I sent, they sent a new message each time and sent it to the WRONG email, so obviously, I never received it. Then, it appeared to me that they never responded, I filed a dispute with American Express. American Express reversed the charge while they investigated, but they just took the word from the company XXXX XXXX that they did everything they were supposed to do, put the charge back on my account, and closed my dispute. I reopened my dispute and appealed to them again, saying that the items were not what was advertised, were defective, wrong sizing, and poor quality, and explained to AMEX that XXXX XXXX never contacted me because they used the wrong email. AMEX again closed my dispute and put the charge back on my account. I have no recourse here for something so simple..... I reached out to XXXX XXXX XXXX do a return, they never contacted me to complete it ( because they emailed me at the wrong address in return ) and I'm stuck with goods that don't fit/work and AMEX won't do what they should here, which is to say that this is not proper behavior on the part of the merchant. I am attaching my correspondence with AMEX on this issue, which sufficiently explains the problems. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CHECK XXXX ACCOUNT ENDING IN XXXX. WAITING FOR RETURN CHECK COPYS FROM 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 2026-01-02 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: Chime Financial Inc
State: PA

Complaint narrative:
My wallet was stolen and my cards were used fraudulently. I filed a police report and showed them security camera footage from all of the stores she visited and used my cards. I submitted this information to Chime asking for them to refund the money that she stole from me and twice they denied my disputes. They said no fraud was found in their investigation eventhough I provided the police report which states that the cards were used fraudulently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Business Services, Ltd.
State: CO

Complaint narrative:
I am disputing unjustified collection fees totaling {$78.00} added to a medical debt. I have proof that I attempted to pay the original creditor the principal balance of {$70.00}, but they failed to respond to my request for payment instructions before sending it to collections. 

I sent a formal dispute to the collection agency on XX/XX/year>, via XXXX XXXX. My letter included a settlement offer for the principal and interest ( {$70.00} ) and a clear legal instruction to communicate with me via mail only. 

The company failed to respond in writing within the 10-day deadline I provided. Instead, 25 days later, they violated my written 'mail-only ' instruction by leaving a vague voicemail on my phone regarding a settlement. I am a new mother without access to a printer, and the company 's refusal to follow my communication preferences and provide written confirmation is an unreasonable hurdle to resolving this small, disputed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Subject : USAA Failure to Investigate, Withholding Evidence, & ADA Violations ( Ref : XXXX / XXXX ) Timeline of Events : I am a vulnerable consumer ( XXXX Veteran household ) disputing a fraudulent merchant charge ( Case # XXXX ). The bank has failed to follow Regulation Z ( Fair Credit Billing Act ) and the ADA. 

1. Failure to Provide Requested Evidence ( Reg Z / FCBA ) : On XX/XX/XXXX, I formally requested the " Investigative File '' and " Proof of Debt '' USAA used to validate the charge. Agent " XXXX '' confirmed this request and stated the documents would be sent to my Secure Document Center within 10 business days. This was logged under Complaint Case # XXXX. To date, USAA has failed to provide these documents. Instead, on XX/XX/XXXX, Agent " XXXX '' ( CEO Office ) refused to discuss the evidence and claimed the investigation was closed without providing the promised documentation. By withholding this information, USAA is violating 12 C.F.R. 1026.13. 

2. Refusal of Reasonable Accommodation ( ADA ) & False Statements : On XX/XX/XXXX, Agent " XXXX '' confirmed that a " Vulnerable Customer '' tag was added to my profile under Case # XXXX due to my status as a XXXX veteran. On XX/XX/XXXX, I spoke with Agent " XXXX '' ( CEO Office ). I requested a reasonable accommodation : to discuss the findings interactively rather than having a multi-page letter read as a monologue, which I can not process due to XXXX  XXXX. 

The Violation : Agent XXXX refused this accommodation, became hostile, and terminated the verbal update. 

The Falsehood : Agent XXXX then sent an email immediately after stating : " No accommodation requests have been received. '' This is a direct falsehood, contradicted by the recorded call on XX/XX/XXXX ( XXXX XXXX ) and the recorded call on XX/XX/XXXX. 

3. Misclassification of Dispute : USAA has denied my dispute ( Case # XXXX ) solely because I " authorized '' the purchase. On XX/XX/XXXX, XXXX  XXXX stated in writing : " Any discrepancies with the items need to be discussed with the merchant. '' This ignores my rights under the FCBA to dispute " goods not accepted '' or " not delivered as agreed. '' USAA is willfully misclassifying a " Merchandise Not as Described '' claim as an " Unauthorized Use '' claim to avoid liability. 

Resolution Requested : Immediate reopening of Dispute # XXXX under the correct Reason Code ( Merchandise Not as Described ). 

Immediate production of the " Investigative File '' promised on XX/XX/XXXX. 

A full credit of the disputed amount due to failure to follow Regulation Z error resolution procedures and ADA compliance failures.

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 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My home was in foreclosure in XX/XX/year> and with the help of the XXXX I was able to pay what was owed and the case was dismissed. At this point through the servicers online portal I submitted the form for assistance explaining that I was going into XXXX and that at this point I was a single mother of XXXX on a very limited income and needed help with the mortgage. I also advised that I am a XXXX XXXX XXXX XXXX  and I do not make much money and now being a single mom it made it more difficult and that I needed assistance the months have passed and they have not done anything for me except that they just filed a lis pendens and foreclosure case. 

They always do the same thing. Ignore the request for assistance and then go file for foreclosure. 

I need HELP. I also need for this services to give me the assistance I neeed not just send emails and mail asking if I need assistance but when I file for assistance nothing happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I am six months behind on my mortgage in the total amount of {$8000.00}. My mortgage servicer, Selene XXXX, has denied all requests for loss-mitigation assistance without offering any reasonable alternatives. 

I am actively seeking housing-assistance funds to prevent foreclosure and am in a position to recover if given time. Despite this, Selene XXXX has repeatedly refused to provide any assistance or short-term relief. I specifically requested : Additional time to make the payment A repayment plan with the past-due amount added to the back end of the loan A loan modification A temporary forbearance All of these requests were denied. 

During conversations with Selene XXXX I was advised that it would be better for me to sell my home or sign the deed over, rather than being offered any meaningful option to retain my home. This made me feel pressured and unsupported, especially given that I am attempting in good faith to resolve the delinquency. 

My financial hardship is related to medical issues, which has temporarily impacted my ability to come up with the full delinquent amount immediately. I am not refusing to pay and am actively working to secure funds, but Selene XXXX has made it clear that they want full payment immediately and are unwilling to provide any form of assistance or flexibility. 

I am requesting : An immediate review of Selene XXXX handling of my account A suspension of any foreclosure activity while my situation is reviewed Confirmation that proper loss-mitigation options were considered and offered in compliance with servicing guidelines I believe Selene XXXX actions show a lack of good-faith effort to help prevent foreclosure, despite my willingness to work toward resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WESBANCO BANK, INC.
State: KY

Complaint narrative:
Wesbanco. Multiple fraudulent activities for 2 yrs. Having to get new cards at least every other month. Then had to close and reopen new accounts to have it occur all over again. This last time I removed all deposits until it was clear. No one contacted me to let me know there was anything required or it was ready to be closed then took money from my daughter 's account without any notice, or permission to find that I'm a joint owner on her last be account which was not supposed to happen. Then after contacting costumer service, I was hung up on. My daughter was told to get the money from " your mother ''. I am fully aware I need to pay to clear the account once all the fraud has been resolved but nothing was communicated to me about it. I have never had more issues in my lifetime then with Wesbanco in 3 short years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have a wells fargo everyday checking account ending by XXXX. I deposit {$250.00} from my paycheck every 2 weeks. The recent transaction dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

One of the monthly fee waive rules on wells fargo website is to make {$500.00} or more direct deposits, which I certainly met. But they charge me XXXX XXXX  monthly fee at XX/XX/XXXX. I called them but the representative told me I have to make one single deposit over {$500.00} and refuse to refund me the monthly fee. 

I closed my account to avoid more monthly fee charges. But they never mention that they only count single transaction over {$500.00} anywhere on their website.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was using my chime checking account to pay off my credit card balance with XXXX XXXX XXXX as of XX/XX/year>XXXX  which I made a cash deposit at XXXX XXXX onto my chime checking account for the amount of {$100.00}. I then transfer that {$100.00} to pay XXXX XXXX XXXX I then get a notification that the payment was returned for insufficient funds as of XX/XX/year>. This continued to happen on XX/XX/year>, XX/XX/scrub>XXXX XXXXXX/XX/year> all for the amount of {$30.00}. Chime says the payment for XX/XX/year> was returned on XX/XX/year> for again insufficient funds although I made the payment the day before on XX/XX/year>. Because chime didnt send off the payments when I made the transaction XXXX XXXX XXXX closed my account which is a real problem for my credit and finances. Chime just said its their default system and theres nothing that can be done. Im not sure if Im allowed to post it here but I do have the transactions from XXXX XXXX XXXX showing my failed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Contacted Carrington Mortgage 6-7 weeks ago to inform I lost my employment. They told me to contact them day after my payment is do to process. My mortgage was due XX/XX/year>, called them XX/XX/year>. Was told to wait 15 days after my due date. Then was forwarded to specialist who told me to contact them 30 days after due date. At that point it will affect my credit score. I wanted to apply for forbearance now but am getting different date each time I speak to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this second complaint against Transworld Systems Inc. ( TSIXXXX ) because the company has failed to provide lawful validation of an alleged debt and continues to engage in improper credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX reporting standards. 
After I disputed this account, Transworld responded to my prior CFPB complaint by stating that the account was closed in its system and that it would no longer pursue collection. However, closing an account internally does not constitute debt validation, nor does it authorize continued reporting to the credit bureaus. At no point did Transworld provide documentation proving that the debt is valid or collectible. 
To date, Transworld has failed to provide any of the documentation required for lawful validation, including but not limited to : The original signed contract or agreement bearing my signature A complete itemized accounting of the balance Proof of ownership or chain of title showing legal assignment of the debt Documentation establishing the date of first delinquency Business records demonstrating how the amount allegedly owed was calculated Under FDCPA 1692g ( b ), once a debt is disputed, a collector must cease all collection and reporting activities until validation is provided. Representing a debt as collectible or reportable without possessing this documentation constitutes false, deceptive, and unfair practices under FDCPA 1692e and 1692f. 
Additionally, Transworlds continued furnishing of this account without validation violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) and 1681s-2 ( b ) ( failure to conduct a reasonable investigation after notice of dispute ). XXXX standards further prohibit the reporting of unverifiable or unsupported data, which is exactly what is occurring here. 
Transworlds own response confirms that the debt was never validated. A statement that an account is closed is an admission that the company is unable or unwilling to substantiate the debt. As such, the account is unverified and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding an alleged debt being collected by Credit Collection Serv that they claim is owed to XXXX. 
I do not dispute that there was a past balance with XXXX ; however, I dispute the collection account as reported and the collection agencys authority to collect and report this debt. 
After being contacted, I requested documentation showing that Credit Collection Serv is authorized to collect this debt and that I am personally responsible for the balance being reported. I did not receive a copy of the original insurance policy, agreement, or documentation showing proper assignment or authority to collect. 
Despite this, Credit Collection Serv has reported the account to my credit report. I am requesting that this matter be investigated and that Credit Collection Services be required to provide proper documentation supporting their authority and the accuracy of the reporting, or cease collection activity and correct or remove any related credit reporting.

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