vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: UT

Complaint narrative:
I am submitting this complaint regarding Western Union XXXX XXXX XXXX XXXX XXXX 
Western Union agent XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. From XX/XX/XXXX and XX/XX/XXXX. Amounts of {$5000.00}. {$5000.00} and {$2000.00}. Total {$12000.00} plus tax. 
I sent multiple Cash money transfers totaling with tax {$12000.00} through XXXX Western Union. I reported the transactions as fraudulent within 48 hours to XXXX 's, my bank, Police Western Union, FBI. A Western Union XXXX representative confirmed over the phone my report was timely and that my funds were Safe, but no written confirmation was provided. 
When I returned to XXXX locations with receipts, employees stated that all transaction records had been erased. Western Union has never provided Tangible Proof that funds were paid to any receiver. I was also told that the refund was delayed pending the closure of a police report ; however, law enforcement confirmed the report could not be pursued further due to jurisdictional limitations. 
My bank refunded the first portion of the funds that went through my XXXX XXXX bank ( {$250.00} ). The XXXX Western Union funds totaling {$12000.00} have never been returned. And all of my transactions were erased from XXXX computer systems. On XX/XX/XXXX XXXX cashier told me that my money are at Western union XXXX XXXX  and they will send me a refund check, it never happened. 
Attachments : XXXX Western Union receipts, police report case # XXXX, FBI report dates XX/XX/XXXX XX/XX/XXXX, bank refund confirmation, correspondence with Western Union My bank , FBI were telling me numerous times that my money are at XXXX XXXX and I need to go with my receipts and demand my refund. I did go multiple times and XXXX 's would give me run around with some phone # to call. 
. Western Union has Never provided tangible proof like : recipient receipts, IDs, signatures, phone #, addresses that funds were paid to any receiver. 
My bank Refunded in few weeks the First portion of the funds that went through the bank ( {$250.00} ), later when I reported fraudulent nature of the transactions. 
I am requesting the CFPB investigate, require Western Union to produce verifiable transaction records, order restitution of the funds. 
Attachments : Western Union receipts, police report case # XXXX, FBI report dates XX/XX/XXXX XX/XX/XXXX, bank refund confirmation, correspondence with Western Union

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I took out a {$320.00} loan with Wise Loan ( XXXX # XXXX, Account # XXXX ). 

This loan was taken out by accident. I did not intend to agree to a repayment plan that requires me to pay {$470.00} total, which is far more than the original loan amount. 

I contacted the company immediately to cancel the loan and offered to repay the original {$320.00}. The interest and fees are excessive and not clearly disclosed in a fair manner. 

I am requesting that this loan be canceled and that I only be required to repay the original {$320.00}. 

I believe this loan contains unfair and predatory terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CA

Complaint narrative:
I am filing a complaint regarding XXXX  failure to conduct a reasonable investigation into a disputed credit card charge, as required under the XXXX XXXX XXXX XXXX ( XXXX  ). 

USAA denied my dispute by relying solely on the existence of a non-refundable cancellation policy, without investigating whether the underlying transaction was validly disclosed, accurately represented, or governed by enforceable terms. This was procedurally incorrect given the evidence I provided them. Attached is my original dispute letter, as well as an evidence summary, which highlights representative evidence that was provided to USAA but not meaningfully evaluated during their investigation. 

USAA relied on a XXXX cancellation policy despite evidence that material terms were undisclosed until after payment. The merchant ( a XXXX short-term rental listed on XXXX ) required me to accept previously undisclosed Terms & Conditions after payment as part of an online check-in process. These post-payment terms contained provisions that are illegal and unenforceable, including : unilateral authority to charge my card at the hosts discretion, a broad liability waiver purporting to release the host from negligence, and a waiver of chargeback rights. These terms were never disclosed on XXXX prior to payment, contrary to XXXX  obligation to provide accurate pre-payment information. 

Additionally, XXXX failed to provide accurate or accessible information regarding cancellations. The listings Conditions link was broken or circular, and I encountered XXXX contradictory cancellation policies across : the listing itself, confirmation email, cancellation form, host terms, and host email. A consumer can not assent to mutually inconsistent terms, and this constitutes material misrepresentation of the transaction. 

I canceled the reservation immediately ( within XXXX minutes ) upon discovering these undisclosed terms. No services were rendered : I never checked in, received access credentials, or occupied the property. 

USAA did not evaluate whether the cancellation policy it relied upon was validly disclosed pre-payment, whether the contract was formed lawfully, or whether the transaction involved misrepresentation and post-payment terms. By collapsing the dispute into a simple non-refundable cancellation analysis and ignoring documented evidence, USAA failed to conduct a reasonable investigation under the XXXX. 

I am requesting that USAA be required to reassess this dispute under the correct framework, considering misrepresentation, undisclosed post-payment terms, and failure of the platform and merchant to provide accurate pre-purchase information.

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 2026-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
XXXX"My Website Communication with Rocket Mortgage's AI testing:\XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Assist:XXXXThis chat is AI-powered. Chats are recorded for quality using XXXX  XXXX  services. Learn more from our Privacy Policy.XXXXHi! Have ?s or want to connect with an expert? I'm here to help!XXXXReport Fraudt ot FTC: Web:\nhttps://reportfraud.ftc.govXXXXReportFraud.ftc.govXXXXIs XXXX XXXX  Rocket Mortgage's phone number?XXXXThat isn't XXXX of the official Rocket Mortgage Ph XXXX  I have for customer support. Here are the Official XXXX you can use:XXXX-For help with an existing serviced loan: XXXX XXXX-For expert advice on a new loan or in-process loan: XXXX XXXXTo get pre-qualified or pre-approved for a loan: XXXX XXXXIf you need assistance with something specific, let me know and I can guide you to the right number!XXXXPlease report this as a SPAM number pretending to be Rocket MortgageXXXXThank you for bringing this to my attention. I don't have the ability to directly report phone numbers as spam or fraudulent. However, if you believe you've encountered a scam or a number pretending to be Rocket Mortgage, I recommend reporting it to the FEDERAL TRADE COMMISSION (FTC) or your XXXX  XXXX  for further investigation.XXXXIf you have any concerns about your account security or need to verify communication from Rocket Mortgage, please let me knowI'm here to help!XXXXThank you for the information. I will take care of it. I do not have a current Loan or never have had a Loan with Rocket Mortgage or XXXX  XXXX. Thank you.XXXXYou're very welcome! I'm glad I could help clarify things for you. If you ever have XXXX about mortgages, home buying, or need assistance in the future, feel free to reach out. Have a great day!]"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Palisade Legal Group, PLLC
State: CO

Complaint narrative:
I enrolled in a debt relief program with XXXX XXXX XXXX ( also operating with Palisade Legal Group and XXXX XXXX XXXX ). I paid thousands of dollars in monthly fees, including settlement fees, trust account fees, and legal plan fees.

While enrolled, one of my accounts ( XXXX XXXX, later handled by XXXX XXXX XXXX ) went into litigation. Despite paying for a legal plan and continuing to make all required program payments, no response was filed on my behalf, the account went to judgment, and my wages were garnished. 
XXXX later claimed that this occurred because they were unable to reach me for several months. This is not accurate. During the same timeframe, I remained a paying client, was contacted regularly for income and expense updates, made additional payments when requested, and maintained the same phone number, email, and mailing address on file.

When I requested documentation to support their claim ( emails, call logs, or records of attempted contact ), XXXX refused to provide any evidence and stated that such records were company property.

I continued to be charged program fees and legal plan fees during litigation, despite receiving no meaningful legal assistance and no settlement. The company has refused to review or refund any fees.

I believe this constitutes unfair and deceptive practices, failure to provide contracted services, and misrepresentation of legal assistance. I am requesting regulatory review of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
Source Receivables Management is reporting a collection account on my credit reports with XXXX XXXX XXXX XXXX 

I disputed this account XXXX XXXXXXXX Source Receivables Management and requested proper validation. The account was marked as verified, however no competent evidence was provided to prove the accuracy of the debt or XXXX XXXX  legal authority to collect or report it. 

XXXX XXXX  is a XXXX debt collector, not the original creditor. Under the FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ), they are required to provide documentation such as proof of assignment, account history, and a signed agreement. 

This documentation was not provided, yet the account continues to be reported across all consumer reporting agencies, causing financial harm. 

I am requesting immediate deletion of this account from all credit reporting agencies or full legal validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
I XXXX XXXX have been a victim of identity theft and did not take any loan .I 'm asking your company to remove this debt from my name as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AZ

Complaint narrative:
At the time of purchase, this laptop was represented as supporting up to XXXX XXXX of memory. I relied on that representation when deciding to purchase the product and related accessories. After purchase and use, it became clear that the system is not capable of supporting XXXX XXXX of memory and is in fact capped at XXXX XXXX 

More importantly, the laptop does not operate reliably even at XXXX XXXX using compatible memory modules. The system exhibits instability, repeated system errors, and emergency shutdowns under normal and documented operating conditions. This behavior occurs even when the system is configured conservatively and within the manufacturers stated limits. 

I attempted in good faith to resolve this issue directly with the merchant and the manufacturer over several months. The manufacturer declined to provide a replacement unit or local inspection option and closed the case without resolving the underlying non-conformance. The merchant did not provide an effective resolution. 

I then disputed the charge with my credit card issuer. During the dispute process, the credit card company provided conflicting explanations for closing the case, alternately citing lack of documentation, proof of return, and an expired dispute window. However, the communications sent to me did not clearly identify what specific documentation was required, and different representatives provided inconsistent reasons for denial. 

This dispute concerns a non-conforming product and misrepresentation at the time of sale, not a routine warranty issue or buyers remorse. A product represented as supporting a specific capability, but which is capped below that level and unstable even at its actual maximum, is not as advertised and not fit for its represented purpose. 

Despite timely efforts to resolve the matter and submission of supporting documentation, the credit card issuer declined to properly investigate the dispute and reapplied the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Westlake Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from American Car Center XXXX, XXXX. On XX/XX/XXXX I received a call from employee of American Car Center informing that the company has filed for bankruptcy and all employees have been fired and all branches across the state including their sister company US Auto Finance were closing down. I was also informed that another company was taking over all of the active leases and loans. On XX/XX/XXXX I was notified via email from Westlake Portfolio Management that they were taking over all of the loan/leases. On XX/XX/XXXX I contacted Westlake Portfolio Management to inquire about my title paperwork so i can get my tags because my paper tags expired XX/XX/XXXX. After numerous attempts via phone call, email I always received the response " unfortunately, we are still working on getting the paperwork so you can register the vehicle ''. I even had to go as far as getting the Cheif Inspector of XXXX DMV involved to help with getting my paperwork and tags due to other residents that purchased vehicles from American Car Center during that time had filed complaints due to the same reason. At the time of purchasing the vehicle I was living in an HOA community and one of the rules were any unregistered vehicles will be towed. The HOA manager at the time even reached out Westlake to let them know their policy and procedures and still didnt receive the paperwork. So the vehicle was towed XX/XX/XXXX. I was still receiving emails and phone calls to make payments on the vehicle. I lost my job then my home because of this because I had a car couldnt use it due to not receiving paperwork so I can get tags to be able to drive the car to work to make a living. And due to me having that new loan I was unable to get another car and I lost my home. I was still reaching out to WPM to inform then of everything up until XX/XX/XXXX still no different response I just gave up. On XX/XX/XXXX I received an email from WPM that they were ready to register the vehicle after XXXX XXXX and XXXX XXXX. WPM is still reporting that I owe {$39000.00} to all three bureaus which is a strain on my credit and unfair to have me pay for something that I couldn't utilize due to the company not providing the proper paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc.
State: NV

Complaint narrative:
XXXX ID : XXXX I am submitting this complaint regarding misrepresentation and failure to deliver promised reimbursement funds by loan XXXX XXXX XXXX. 

XXXX XXXX informed us that we would be receiving reimbursement checks totaling {$3900.00}. She specifically stated these checks were reimbursements for the appraisal, engineer report, and earnest money related to our loan. 

Over the course of approximately four months, XXXX XXXX repeatedly assured us that : The checks had been issued The checks were made out to us She personally had possession of the checks She would either drop them off or send them to us Despite these repeated assurances, we never received the checks. XXXX XXXX made multiple excuses for why she could not deliver them, including issues occurring while she was supposedly on her way to deliver the checks. 

Eventually, XXXX XXXX changed her statements and told us that we were never owed this money, and that under normal circumstances we would not have received these fundsdirectly contradicting her prior representations over several months. 

We relied on XXXX XXXX statements in good faith and were led to believe these reimbursements were guaranteed and already issued. Her actions caused financial harm and distress, as well as confusion and loss of trust in the lending process. 

We are requesting that this matter be formally investigated and that we receive a clear explanation and resolution regarding the promised {$3900.00} reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from Unifour Financial Services. I drove the vehicle off the lot and I had to return the vehicle on XX/XX/XXXX due to repairs needed on the vehicle. Unifour kept the vehicle for seventeen days, I picked it up on and three months later the car broke down in the middle of the street. I called roadside assistance to come out and move the vehicle the attendant informed that he didnt feel safe with moving the vehicle because where the battery was located under the passenger seat it was leaking and could cause a fire. I reached out to Unifour to let them know what was going on with the vehicle and the location where the vehicle broke down at. Unifour didnt not respond until 2 weeks later and then I receive notice from Unifour that they picked up the car and sold it for {$10000.00}. Unifour is reporting {$16000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the following inaccurate information on my credit report. The account in question is : Aldous & Associates PLLC Account Number : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Reason for Dispute : The account is not mine, and the balance is incorrect. I request a thorough investigation and correction of this information. 

I kindly request that you investigate this discrepancy and remove or correct the inaccurate information from my credit report. Please confirm receipt of this dispute and keep me informed of the progress. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to make a single {$50.00} payment to XXXX through PayPal. Due to a system glitch, I was charged 19 times totaling {$950.00}. The charges were split between my personal bank account ( 9 charges ) and a card linked to my business account ( 10 charges ). 
I filed disputes with PayPal and with my bank, XXXX. XXXX has finalized the claim on my personal account in my favor and confirmed the business account claim will be resolved in 1-2 weeks. 
The merchant, XXXX, has confirmed in writing that the duplicate charges were caused by a glitch on their end, that the issue is affecting multiple customers, and that they attempted to issue refunds but could not because the charges had already been disputed. XXXX is not contesting. 
Despite this, PayPal has given me conflicting information. On XX/XX/XXXX, I called PayPal and spoke with multiple representatives. One rep told me the 10 remaining disputes were denied because they were filed under the wrong category ( unauthorized instead of billing error ) and offered to reopen them. Another rep told me the disputes were still under review waiting on XXXX. I asked to speak with a supervisor and was told I was 11th in line. After waiting, I was told no supervisor was available. Then they hung up on me.

I have documentation from the merchant confirming they are not contesting. I have confirmation from XXXX that they ruled in my favor. PayPal has wasted hours of my time, given conflicting information, and failed to resolve a straightforward dispute where the merchant admits fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding the alleged debt referenced above. This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with non-monetary relief