vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This collection agency is reporting inaccurate info on my credit report. I don't have the information from my account to review all of the info to see if anything else was wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint follows a prior CFPB case regarding unauthorized transactions on my Wells Fargo account ( ending in XXXX ) that was closed without the bank providing any evidence of authorization. 

Wells Fargo claims the disputed transactions were authorized by me or by someone I authorized. This is false. I did not authorize these transactions, did not provide my credentials to any third party, and did not benefit from the disputed charges. 

Despite multiple investigations, Wells Fargo has failed to provide authentication logs, device or IP address data, or any documentation proving authorization as required under Regulation E of the Electronic Fund Transfer Act. Repeating an unsupported conclusion does not satisfy the banks burden of proof. 

I reported the unauthorized transactions promptly and fully cooperated with all investigative requests. I am requesting reimbursement of the disputed funds and CFPB assistance in enforcing compliance with Regulation E.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They charged me twice for provisional credit for XXXX and another for XXXX, which they did not notify me and randomly charged my account and now i dont have enough for rent. they failed to notify me that they will remove money from my account. the dispute charge was XXXX months ago

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 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
My federal student loans were transferred from XXXX to MOHELA. Since XX/XX/year>, I have been attempting to switch my loans from forbearance to an income-based repayment plan so that I can begin making payments. I have submitted all required documentation twice to expedite the process and have followed up monthly for a resolution. I also contacted the FAFSA department for guidance and was informed that the issue is solely MOHELAs responsibility. Throughout XXXX, I have called MOHELA more than 15 times, and it has been extremely difficult to reach a representative. When I do, I am consistently told that my application is on file but that there are no updates and that I must continue waiting for review. It has now been more than 10 months without resolution. This situation is unfair and unacceptable, especially given that MOHELA is the sole servicer managing these loans while lacking adequate communication, staffing, or timely decision-making. I am requesting immediate assistance and resolution of my repayment plan status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
I requested a dispute for a refund of {$21.00} that was processed on XXXX from XXXX. 
They only sent me {$12.00} for a previous amount from the same transaction. Ive reached out numerous times and keep getting the run around. They closed the case. Im not able to speak to a XXXX or XXXX. Im not able to reopen the dispute either. This is getting so frustrating. I dont think they understand that there was XXXX refunds processed for the same transaction. The total amount was {$36.00}. I received the first refund for {$12.00}. But the second refund was processed for the other item on XXXX for {$21.00}. I never received it and they said it was pending. After XXXX I waited and still didnt receive it so started a dispute. Well they closed the case yesterday and only processed {$12.00}. But it should have been {$21.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
" I am filing this complaint against PNC Bank for a systematic failure to provide adequate customer service and for violating consumer protection rules. 
My card is constantly blocked for legitimate transactions ( XXXX, XXXX, XXXX, XXXX ). Support in the mobile chat ignores my requests for hours or closes the conversation without any resolution. 
I have an open dispute for a {$280.00} charge from XXXX for a hotel in XXXX XXXX, Puerto Rico. The hotel was closed upon arrival, service was never provided, and XXXX confirmed the cancellation. I filed this dispute over a month ago, but I have received no updates, no resolution, and no provisional credit. 
I demand an immediate refund for the hotel and the removal of all automated security blocks from my account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX and XXXX XXXX  for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692f. This agency is attempting to collect a debt from XXXX XXXX Bank that I do not owe. I have never opened or maintained an account with XXXX XXXX Bank. Despite my requests for validation, the company has failed to provide any evidence linking me to this debt. By continuing to send collection notices after being informed of this error and failing to provide documentation that proves my liability, the agency is engaging in unfair and deceptive practices. I have previously requested that they cease and desist communication, yet they continue to harass me for a debt that is not mine. My next step will be a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Hello, Awile back i had sent money in the amount of XXXX $ to $ XXXX On cashapp, Her XXXX  account is also XXXX But that was before i knew it was a scam and what she was really doing, She exploit 's men, Gets thier info, Than she blackmail 's and extorts them for money Either making them send to her XXXX XXXX, XXXX XXXX - XXXX, Her cashapp - $ XXXX And i never gave her any of my info luckily, But i'm having XXXX XXXX, She has threatened my life over XXXX  before i had it removed, She has made a 20 min long audio about me, which i have had removed, And i know she had brought or rented a home with the money she got from blackmailing men Please help me I want her cashapp banned, So she cant benefit on the misery of others anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Company : Wells Fargo Product : Checking account / XXXX  Issue : Account restricted or closed unfairly Complaint : I am filing a complaint against Wells Fargo regarding improper restriction of my XXXX access and attempted termination of my banking relationship. 

A buyer paid me via XXXX for shoes I sold. After receiving and keeping the shoes, she falsely disputed the transaction claiming non-receipt. I provided Wells Fargo with clear evidence, including messages from the buyer admitting receipt of the shoes and confirming satisfaction with the purchase. 

Wells Fargo dismissed the buyers dispute due to lack of evidence, yet continues to hold my XXXX access and is attempting to terminate my account anyway. 

I have not violated Wells Fargos policies, engaged in fraud, or misrepresented anything. I complied fully with the investigation and provided all requested documentation.

I believe Wells Fargo is acting unfairly and without justification by restricting my account after ruling in my favor. 

I am requesting that Wells Fargo : Restore my XXXX access Refrain from terminating my banking relationship Provide written justification for any restrictions Remove any negative internal flags related to this transaction This matter is causing financial harm and disruption to my ability to conduct every day life purchases

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
I had an account with Cash App. My card had got stolen XXXX  I immediately went into a panic an deactivated my account ( this happened a couple years ago this how long XXXX  been trying retrieve my funds ) i instantly tried to get my monies out my account its between XXXX to XXXX in my account XXXX not sure of the exact amount because I had just got paid XXXX  remember spending XXXX  some monies at the store earlier that day every time I contact Cash App they send me through the retrieval of All my old information that but the thing is my XXXX account I had dont exist that was to that Cash App account my cash tag they said dont exist XXXX  I never received a check getting my money that was left in that account XXXX  every time I call they cant get in that account if its money in the account it should be a way to retrieve them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I opened a Chime account in XXXX  to take advantage of their deposit bonus, and ended up using it more regularly. Last summer I was robbed and my phone stolen. It took me a XXXX  or so to get a new phone. When I did I tried logging into my chime acct and was unable to without the phone number I signed up with to verify the account, which I informed them I no longer have. They said there was nothing they could do. So I stopped using their services and opened up a new account with a new bank. A few months ago there was a payment made to my Chime account on accident ( employer used old direct deposit information ) and I tried to prevent it but was unable to. I then tried to call and get the situation resolved, and found out that I couldn't access my account because SOMEHOW XXXX  system CHANGED MY BIRTHDATE ( they say it was a clerical error, but it would have been impossible for me to sign up with an incorrect birthdate ). I've called numerous times and attempted to rectify this with Customer Service but now they are claiming that I don't have an account, when I am STILL GETTING EMAILS FROM THEM AND SOMEHOW XXXX  BEEN BEING CHARGED {$6.00} OVER AND OVER AGAIN AND THEY KEEP ASKING ME IF I APPROVED THIS CHARGE AND I DIDNT, TO CONTACT THEM! I tried and they keep telling me they can't find my account and hanging up on me! The deposit was for {$140.00} and this mystery charge of {$6.00} is draining my remaining balance. I want my money from the account and for it to be closed! But I no longer live at the address they have on file, so I need to update my address with them before they send a check, or I can use a debit card to claim my remaining balance. Thank you, and PLEASE INVESTIGATE THIS COMPANY! THEY ARE WITHHOLDING PEOPLES MONEY, CLOSING ACCOUNTS FOR NO REASON, PREVENTING CUSTOMERS FROM ACCESSING THEIR ACCOUNT BY MAKING IT IMPOSSIBLE TO RECOVER! They are XXXX! XXXX retaining legal counsel as well to pursue recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
After chime paid the stolen money from my account I saved everything into my savings account immediately on the XXXX of XXXX I tried to login into my account and notice my password has been changed i quickly reset my password when I logged into my account again I only saw {$450.00} out of {$3200.00} and I transferred it immediately into my XXXX  account please chime is stealing from me please I want justice and my money back and I won't bank with chime if I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: NC

Complaint narrative:
I am filing a complaint against Lennar Mortgage , LLC regarding improper handling of a mortgage application, misclassification of the file as withdrawn, and failure to issue required adverse action notices under ECOA/Regulation B. 

I was a co-borrower on a mortgage application submitted on XX/XX/year>. My mother was the primary borrower. We received a Conditional Approval on XX/XX/year>. The scheduled closing date was XX/XX/year>. 

This occurred while I was in the late stages of XXXX and then in the early XXXX XXXX XXXXuring which I relied on the lenders representations and processes to be accurate and compliant. 

On XX/XX/year>, four days before closing, the primary borrower experienced an unexpected job loss and immediately notified Lennar Mortgage and the builders sales representative. This communication was a required disclosure under the conditional approval and was not a request to withdraw the loan. No borrower stated I withdraw or provided any instruction to cancel the application. 

Despite this, Lennar Mortgage classified the application as withdrawn ( and later inactive ) without borrower authorization and without notifying all applicants. No written confirmation of withdrawal was provided. No Adverse Action Notice or written denial was issued to any applicant, even though the lender knew the borrower no longer qualified due to loss of income. 

Key facts : Application submitted : XX/XX/year> Conditional approval issued : XX/XX/year> Scheduled closing : XX/XX/year> Job loss disclosed : XX/XX/year> Last communication from XXXX : XX/XX/year> The lender unilaterally pushed the closing date on its portal to XX/XX/year> without notifying any applicant. 

The application never advanced beyond Conditional Approval. 

We were never notified of Final Approval, clear-to-close, doc prep, or funding. 

No closing documents were issued. 

No funds were disbursed. 

No applicant requested withdrawal. 

No adverse action notice or denial was issued to any applicant. 

Co-borrowers were not notified of any change in status. 

The builder relisted and resold the home while the lender still failed to issue a denial. 

By classifying the file as withdrawn without borrower instruction, Lennar Mortgage avoided issuing the required adverse action notice and prevented us from receiving documentation needed to exercise contractual rights under the mortgage contingency. This caused financial harm, including loss of a {$10000.00} deposit.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App has no real support or help with consumer problems. The help I asked for they gave me instructions that did not work to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because the account listed below was reported as verified without the creditor or collection agency providing proper validation, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I previously disputed this account with the credit reporting agencies and requested validation of the debt. In response, the furnisher marked the account as verified, however no documentation was provided to me demonstrating : * A copy of a signed contract or agreement bearing my signature * Proof that I owe the alleged debt * An itemized statement showing how the balance was calculated * Proof that the reporting entity has the legal authority to collect or report this debt * Verification of the date of first delinquency Merely confirming information internally or responding electronically to the credit bureau does not constitute proper verification under the FCRA. 
Because the furnisher failed to provide validation while continuing to report the account, I believe this constitutes inaccurate and unverified reporting, which is damaging my credit profile and preventing me from qualifying for housing. 
I am requesting that the CFPB require the furnisher to either : 1. Provide full and proper validation of the alleged debt, or 2. Delete the account from all credit reporting agencies if validation can not be produced I am requesting a written response and resolution. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Company : Rash Curtis Associates Complaint Summary : I am disputing a debt being collected by Rash Curtis Associates related to XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ). 

The alleged debt is inaccurate and unverified. The underlying charges were created after I moved out and after I signed a new lease elsewhere on XX/XX/year>. The property manager provided a clean rental reference to my new apartment, which approved my move-in based on that confirmation.

The park later issued notices dated XX/XX/year>, which I never received while living there. These notices contain false and defamatory allegations, including XXXX XXXX XXXX, with no police report, no proof of service, and dates that do not align with my tenancy.

The debt includes overlapping rent charges for the same time period and a withheld security deposit with no accounting.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/year> I received a consilidation loan from my credit union XXXX XXXX XXXX to pay off my debt. My financial institution sent a check of XXXX XXXXto pay off said debt with XXXX XXXX XXXX ending with XXXX However the card has not been paid off. I called my credit union and they verified payment was sent and check was cashed by XXXX. They also provided me with a copy of said check. I have been calling XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX, and XX/XX/year> trying to get this resolved with no luck. I have sent them the copies from the credit union three or four times and this issue still has not been resolved. This is becoming a hardship because of having to continue to make payment to my loan AND credit card which should have been paid four months ago. I have been met with very rude customer service agents, refusal of being transferred to supervisors, hung up on, and lied to. agent named XXXX assured me that my issue would be resolve and yet four months later still nothing. ALSO XXXX was especially rude refusing to transfer me to a supervisor I would greatly appreciated help with this matter. THANK YOU in advance.

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