vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
Previous complaint : XXXX Note : I am creating the complaint 4th time now as Western union fails to fix my issue, CFPB team kindly treat this as important and take action as WU is not responding with correct info even with multiple complaints. 

Western Union claims delivery on XXXX with XXXX XXXXXXXX. 
The beneficiary bank is XXXX XXXX, not XXXX XXXX. 
XXXX XXXX  has confirmed no inward remittance was received or credited. 
A XXXX  belonging to another bank does not prove beneficiary credit. 
Western Union has still not provided proof of credit to XXXX XXXX. 
I am requesting either ( XXXX ) proof of beneficiary credit to XXXX XXXX  or ( XXXX ) an immediate refund. 

XXXX : XXXX Amount : USD XXXX NO PROPER RESPONSE FROM WU, GETTING SAME MESSAGE EVERYTIME. WITH MY FIRST COMPLAINT THEY MENTIONED THE MONEY HAS BEEN DEPOSITED ON XXXX XXXX ONLY. NOW THEY ARE SAYING MONEY DEPOSITED ON XXXX ITSELF, WHICH IS COMPLETELY WRONG. 

Below is the mail confirmation i received from WU on XXXX XXXX for the complaint ( XXXX ) raised but now they are saying money deposited on XXXX XXXX, which is not true. I am not understanding the response they are giving everytime. 

Please note that we have received confirmation from the Bank Partner that the transactions were processed today and 3 of 4 transactions were successfully processed and deposited today. 

Here you can find the information for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Strategic Alliances, Inc.
State: ND

Complaint narrative:
I have been making {$25.00} a month to XXXX XXXXXXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX. I told them I would make higher payments after I pay off my other debt which is down to {$140.00} before this and the phone attendant agreed. Now I will get my XXXX raise of {$36.00} and I told them today XX/XX/XXXX because they filed for garnishment on my checking account. I also asked to speak to one of the attorneys when they are available and was refused. I am on XXXX and I can't afford to be garnished {$1000.00}. I have rent and bills to pay. It's not like I wasn't trying to pay until I could pay more. I contacted my bank XXXX XXXX and she said they CAN take the full amount. I barely get that per month. Please help. I can't afford an attorney. This is so unfair. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
Debt letter dated XX/XX/year> - money had been paid on this debt on XX/XX/year> - account was being paid on. As of XX/XX/year> entire bill was paid in full. Debt amount was XXXX reference # XXXX. Question : How can the debt be sent to debt collector and the amount owned then added to another debt for same individual, while showing the payment amount toward this debt being received and deducted from total amount. This is frustrating and seems wrong when money was being paid toward total debt amount. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Greetings, I have struggled for months to pay my credit card bill online with Bank of America. It used to be a simple log on, then click " Pay/ Pay bill ''. Now the site takes me in circles - no matter how I proceed- back to a link asking me to sign up for auto pay. I do not want auto pay. I just want to pay. 

There is no option around this problem. Either sign up for Bank of America to have access to my banking account, monthly, or pay by mail ( too late for that now ). 

Last option is to call in payment. I am uncomfortable giving a representative my information over the phone ( NOT Safe ). This should be illegal. Its massively inconvenient. I do not want to fight late fees when trying to pay my bill.

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 2025-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: NY

Complaint narrative:
I contacted consumer legal group to ask about performance and went over the contract again only to be told something different, there would be no refund at the end if the debt wasnt settled the original agreement stated that what ever wasnt settled would be a refund up too the total debt listed and not to exceed money paid to the legal group.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I transfered from goal savings to checking XXXX. This card will be discontinued as on XXXX. Wanted to tranfer to a different bank. On the XXXX XXXX XXXX charges appeared. 
XXXX XXXX XXXX XXXX XXXX They claim this charges were done with my card in a store. When the XXXX went to those stores charges appeared to be done XXXX. They claim they did an investigation. But never called local police. The amounts were considered grand larceny there for needed further investigation. They refuse to provide me with proof of their follow up. Made a report with the FTC. All of it seems suspicious. The XXXXfficer in charge of my investigation is XXXX. 
MY FTC report number is XXXX. Please help me. I'm sad and this is money I deposited into this account over XXXX  years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXI am victim of identity theft, in the process of buying a home I realized my identity was stolen and used to obtain lines of credit the companies that utilized were these (inquiries) from: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: NC

Complaint narrative:
I had an account through them years ago and kept up on all my payments and made sure it was all on time one day I decided that I no longer needed the account because I had lost my card and didn't want to deal with credit cards anymore I had called and canceled the card after paying the debt that I owed it was months later when the account got reopened unbeknownst to me and a membership fee was in charge without my knowledge without my consent and continued to rack up late fee and interest over the year or an and a half that it was active for before I realized what had happened and so I called them they said that they seen where I tried to close my account before and that it was reinstated for some reason in XXXX of that year and that's what had happened was the membership fee just accrued interest in late payments and he said he would take care of it not to worry and the account would be closed and to put in a rebuttal with the credit bureau and that it would all be resolved well it continued to accrue interest and then they used my deposit that I never got back from the original cancellation to pay the debt that they accrued for me and then when it wasn't enough to cover it they continue to charge me interest and late fees and when I requested they cancel it and give me my deposit back and that I no longer had this account nor did I have any access to the account and explain to them that when the merger happened with their company and another company that I had to have my account number to be able to access it which I did not have because I didn't have my account anymore so I can't even pay what they're wanting me to pay even if I wanted to and they refuse to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: DISCOVER BANK
State: PA

Complaint narrative:
The Discover It card account in question was closed with a XXXX balance. It was a giant struggle with them to get it closed in the first place because I placed an order on XXXX and received the wrong merchandise and returned it on the shipping labels provided. 

I provided all that proof to discover, but they never wanted to actually credit the account claiming I gave them the wrong tracking numbers. I reached out to corporate contacts just about every day via email and then they finally zeroed the balance and closed the card as I requested. A XXXX XXXX XXXX  later, I start seeing these emails of it's open with a $ XXXX balance with late fees tacked on and it is impacting my credit score. I had over XXXX credit score before this. I've never missed a payment on anything in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
I were financed by Exeter Finance LLC XXXX XXXXXXXX XXXX XXXX, though XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXXXXXX XXXX truck and it is being placed in the shop for transmission issues after XXXX months I'm not able to pay for a vehicle I can't use to get to work and back. Exeter Finance is the Lienholder this loan is not consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I XXXX the XXXX my niece received a rude collection call concerning a DEBT I do not OWE!! They have been calling my family members with the last name XXXX harassing them about again a DEBT I DO NOT OWE. They called my brother on his personal cell phone, and I didn't get that INFO. This DEBT was PAID in XXXX to XXXX BARCLAY BANK I have made several complaints about this NON-Existence DEBT. I have contacted BARCLAY bk several times about the collection calls. Nothing has been done to correct the process ; they refuse to call back or cancel the debt that I do not OWE. I have made several complaints to the FTC, FCC, CFPB the FEDERAL RESERVE and nobody will do anything to stop the harassment. I was told until I am Subpoenaed there is nothing that can be done! Frustrated and XXXX at this point. So, I am filing this complaint against XXXX XXXX, the called was received from a XXXX, AL. number XXXX. Spoke to XXXX from XXXX XXXX  and explained that I do not OWE THIS DEBT, and that the DEBT is FRAUDULENT on XXXX? BARCLAY BANK BEHAVE. I have tried to reach out to other attorneys in attempt to sue XXXX? BARCLAY for XXXX years of a harassment about a debt that was paid in XXXX. XXXX XXXX said that they would issuing a Subpoena for this fraudulent DEBT. XX/XX/XXXX XXXX XXXX  CST.

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 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
For the months of XXXX, XXXX and XXXX, I fell on hard times and was unable to make monthly payments.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL 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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On or about XX/XX/year>, I signed up for a XXXX subscription through the XXXX XXXX XXXX that advertised a XXXX free trial. The subscription was charged via XXXX XXXX using my Wells Fargo checking account before the XXXX free trial period ended, resulting in an unauthorized charge of {$120.00} plus tax. The charge was processed on XX/XX/year>, which was only XXXX days into the advertised free trial period. 

I contacted XXXX immediately after being notified of the charge. An XXXX representative informed me that I would be refunded because the charge occurred prematurely, prior to the end of the free trial. However, the refund was ultimately denied. 

I then disputed the charge with Wells Fargo, explaining that the charge occurred prior to the trial expiration and therefore lacked valid authorization. Wells Fargo denied my dispute. 

I am requesting a formal review of Wells Fargos handling of this debit card transaction, as charging prior to the completion of a free trial invalidates consent and should be treated as an unauthorized transaction under debit card ( Regulation E ) protections. 

In addition, despite being charged for the XXXX service, I continue to receive approximately XXXX spam calls and voicemail messages daily. The service did not function as advertised during the trial period or after the charge, further demonstrating that I was charged early for a service that was ineffective and not properly delivered. 

Also, I want to note that XXXX  subscription page displays a trial period that predates my actual signup date, creating a mismatch between consent and billing that invalidates authorization.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CO

Complaint narrative:
The Keybank corporation still has failed to refund the money stolen by the merchant/fraudsters after they overcharged the account for {$340.00} on XX/XX/year> for goods not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
Mohela has inadequately handled all of my payments. I have faithfully paid my loan payments each month since my repayment has begun. I even pay more than required. When payments are made, the auto allocation option is selected. This auto allocates the required portion for each loan XXXX the overpayment over the loans. In XX/XX/year>, I was contacted that my loan was past due when, in fact, I had made my payments. I logged into my account and seen that a payment was made to that loan sequence so I figured it just hadn't applied the payment yet. As weeks go by, I begin receiving more emails and phone calls that my loan sequence XXXX is past due so I open a case after a month of these harassing calls. I was told by the customer service rep that they would reapply my payments and that would be the end of it but that it could take up to XXXX days. It has now been more than XXXX days, each month I call/email Mohela to check on the status with no luck. Each time I am transferred from person to person. Each time I get to the resolution desk, I am hung up on. Within the last XXXX weeks, the " past due '' portion has been reported to the credit bureaus and I am now down over XXXX points for my credit score and can not purchase the house I was in contract with. I have contacted Mohela and have gotten nowhere. This is all of fault of the inadequacies of Mohela. There needs to be some sort of class action lawsuit against this company. They are out here ruining lives over something that is not the borrowers fault! I have threatened legal action and have since hired a lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One is violating the Fair Credit Billing Act ( FCBA ) by failing to conduct a reasonable investigation. The merchant ( XXXX XXXX XXXX ) lied to the bank, claiming goods were 'received in good condition. ' I have provided Capital One with dated text messages proving the merchant admitted the ad was not finished and never delivered. Capital One 's automated system is ignoring my evidence and favoring the merchant 's unsigned template contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I entered into a XXXX advertising agreement with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for a XXXX XXXX monthly " sponsorship '' ( XXXX ad ), totaling over {$13000.00}. The XXXX XXXX, XXXX XXXX, verbally represented that I would receive a " premium spot '' as the " only sponsor/advertiser on the page '' with exclusive placement ( including in the pet section in certain issues ), inducing me to sign the agreement. 
The delivered product materially differs from these representations. Attached photographs from multiple issues of XXXX XXXX XXXX magazine demonstrate that my small advertisement is consistently placed adjacent to multiple competing paid advertisers ( XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, real estate ads, plumbing services ) and unrelated editorial content, rendering any claim of exclusivity or premium placement false. 
This constitutes " services not as described '' under Visa Dispute Condition XXXX ( Not as Described or Defective Merchandise/Services ) and potentially XXXX ( Misrepresentation ), as the services failed to match the verbal description provided at the time of sale ( applicable to U.S. transactions XXXX. 
Furthermore, such verbal misrepresentations in the sale of advertising services may violate North Carolina General Statute 75-1.1 ( Unfair and Deceptive Acts or Practices in or Affecting Commerce ), which prohibits deceptive acts that induce commercial transactions, even absent written documentation of the promise, where the conduct has the capacity to deceive. 
Wells Fargo ( dispute numbers XXXX, XXXX, XXXX ) has refused to accept the attached photographic evidence, erroneously asserting that proof must be limited to written contract terms or emails, and has indicated intent to close the disputes in favor of the merchant. 
I request that the CFPB compel Wells Fargo to reopen the disputes, properly consider the visual evidence of material misrepresentation, and permanently reverse all charges associated with this recurring billing agreement.

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