vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
In XX/XX/year>, I booked a hotel reservation through a third-party company called Guest Reservations ( guestreservations.com ) for a XXXX stay at The Cosmopolitan of XXXX XXXX, checking XXXX XX/XX/year>. The total charge was {$1500.00}, which included {$410.00} in service fees charged by XXXX Reservations not the hotel. I attempted to cancel the reservation within approximately XXXX hours of booking. The stay was over XXXX months away. Guest Reservations cancelled the reservation ( confirmation XXXX now shows status : CANCELLED ) but refused to issue any refund, citing a non-refundable cancellation policy. No hotel stay or services were ever provided to me. I filed a billing dispute with Goldman Sachs XXXX Apple Card ) for the full {$1500.00}. Goldman Sachs issued a provisional credit but then reversed it XXXX times, siding with the merchant. I filed a second dispute and was again denied. Goldman Sachs cited that I accepted the merchants terms and conditions. I believe Goldman Sachs has failed to adequately investigate this dispute. The reservation was cancelled, no services were rendered, and the merchant retained {$1500.00} for nothing. Guest Reservations is a well-known third-party reseller with extensive consumer complaints for deceptive practices, and their {$410.00} service fee alone demonstrates the predatory nature of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: OK

Complaint narrative:
I am submitting a complaint regarding the servicing of my federal student loans by MOHELA. I recently discovered that my loans are reported as approximately XXXX months delinquent, with multiple missed payments reported to the credit bureaus all at once. Prior to this, I did not receive any billing statements, delinquency notices, or communication that payments were due. Upon contacting MOHELA, I was informed that communications were sent to an outdated email address. However, I did not receive any mailed billing statements or other forms of communication. Relying solely on an outdated email address is not a reasonable or sufficient method of notification, and I was not given a fair opportunity to make payments or bring the account current. Additionally, I have attempted multiple times to resolve this issue directly with MOHELA. I was transferred between departments, including being referred to a default resolution team and then to a guarantor. The guarantor confirmed they do not have my loan and that it remains with MOHELA. Despite this, MOHELA has been unable or unwilling to provide meaningful assistance or correct the issue. As a result of MOHELAs failure to provide proper notice and their mismanagement of my account, my credit report has been significantly damaged by the sudden reporting of multiple months of delinquency.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 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: NJ

Complaint narrative:
I have made multiple requests ( over XXXX XXXXimes ) to obtain a copy of my vehicle title for registration purposes. I have been repeatedly redirected between phone and email support with no resolution. The phone system does not allow access to a live representative. This delay is preventing me from legally registering my vehicle. I am requesting immediate release of my title copy or lienholder documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sent a total of {$1900.00} through XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for specific publishing services. The transactions occurred on XX/XX/year> ( {$220.00} for book formatting services ) and XX/XX/year> ( {$1700.00} for the printing of XXXX books ). The payment memo clearly stated {$1700.00} for XXXX books, confirming this was a business transaction for specific goods and services. The services were not delivered. The formatting services were not properly completed, the XXXX books were never printed, and the overall project was not completed. After payment was made, communication by phone ceased. I was no longer able to reach the company directly and had to rely on XXXX XXXX, text messages, and email to attempt communication. Responses became inconsistent, and my repeated requests for updates, completion, or a refund were ignored. I filed XXXX claims with Wells Fargo regarding these transactions in XX/XX/year> ( Claim Number XXXX and Claim Number XXXX ). Both claims were denied without Wells Fargo requesting or reviewing critical supporting documentation, including emails, XXXX XXXX XXXX, proof of agreement, proof of payment purpose, and follow-up requests. This is not an unauthorized transaction. This is a failure to render paid services and misrepresentation after payment. I am requesting that Wells Fargo reopen both claims, conduct a full and proper investigation, review all supporting documentation, and provide a detailed explanation of how the original decision was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: LA

Complaint narrative:
PROCOLLECT , INC is falsely reporting on my credit. I have never had any accounts with them. Per my research PROCOLLECT , INC 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 XXXX XXXX XXXX - XXXX 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 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I made a cash deposit of {$1700.00} in the Wells Fargo ATM machine in the XXXX parking lot in XXXX Ca. After making the deposit, I waited for approximately XXXX minutes or so for the machine to confirm my deposit. After XXXX minutes, it finally confirmed my {$1700.00} cash deposit. I never ask for a printed receipt but ask for a text message for my records. I never received a text message. I then proceeded home to confirm my deposit at which at approximately XXXX or so I received a text which appeared to be Wells Fargo stating if I authorized a {$1600.00} purchase. I immediately responded " No ''. At approximately XXXX or so, I received a phone call on my cell phone from someone claiming to be Wells Fargo again asking if the purchase was my purchase. I responded no at when he asked if I owned a XXXX * at which I responded no and my phone immediately went dead. The call dropped and " XXXX '' appeared on my phone not allowing me to make any calls. I immediately went to XXXX to find out why my phone was dead. I was told that my phone was completely wiped clean as though it was a brand-new phone that was never activated, even erasing my phone number. After XXXX hour at XXXX and XXXX hours on the phone with XXXX my phone was finally working. The XXXX tech stated he had never seen this before. My XXXX email on file and everything was deleted and was no longer available. All Apps were deleted so I was unable to verify my earlier deposit in which I contacted Wells Fargo and found both my checking and savings account balances were XXXX. I immediately filed a fraud claim and was to by Wells Fargo Fraud agent that " {$1600.00} was taken from my XXXX XXXX '' in which I told him that I had just made a deposit and my account should reflect my balance. He told me the withdrawal was pending and they should be able to stop it. I told him I have never used XXXX XXXX and told him about my cel phone being hacked. He explained it could take XXXX to 10 days to retrieve my funds or it would be back in my account that night after midnight because the withdrawal was still pending. On XX/XX/XXXX I received a letter from Wells Fargo denying my claim. I called and they stated it was a scam and not fraud. I explained the only thing I did was answer my phone and did not give any information to the caller except that I did not make a purchase and that I did not have a XXXX XXXX. Wells Fargo escalated my claim to the executive branch for review. I have been a Wells Fargo customer since XXXX and did not make this transaction and would like to be reimbursed my loss of {$1600.00}. I have emails from XXXX stating my phone was completely erased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding the sudden deactivation of my Cash App account without explanation. On XX/XX/year> I discovered my account had been deactivated. Cash App support informed me that my account allegedly violated their terms and conditions, but they refused to specify which term or activity triggered this action. I requested clarification multiple times by phone. Support stated that the department responsible could not be contacted and that no additional information could be provided. I was also asked questions related to an appeal ; however, before I could respond, I was informed that my appeal had already been submitted. I use Cash App as my primary financial account for everyday transactions. I also use the Borrow feature and, while slightly late on repayment, Cash App continues to request repayment and add fees, which indicates the deactivation was not related to loan default. I am requesting : XXXX. A clear explanation of the specific terms or activity that led to the account closure. XXXX. A proper review of my account and appeal. XXXX. Confirmation regarding access to any funds associated with my account. I have records of calls with support where they confirmed they could not provide an explanation or contact the responsible department. I am also concerned that my appeal was submitted without my responses, suggesting it may not have been properly reviewed. I also have files too large to be uploaded but can likely be emailed. I have attached a copy that it will allow me to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I am filing a complaint against my mortgage servicer for failure to respond to a Qualified Written Request ( QWR ) and for refusing to accept my mortgage payments. On [ XX/XX/XXXX ], I sent a Qualified Written Request ( QWR ) under the Real Estate Settlement Procedures Act ( RESPA ) requesting information about my loan, including payment history, and escrow information. It has now been more than XXXX business days, and I have not received a substantive response as required under federal law. In addition, the servicer has refused to accept or properly apply my mortgage payments, citing a XX/XX/XXXX rule, but has failed to provide any written policy or legal basis for this practice. This has caused harm by increasing my delinquency status, adding potential fees, and placing me at risk for further collection or foreclosure actions. There has also been a negative impact to my XXXX XXXX related to these discrepancies '. I am requesting the following : * Immediate response to my Qualified Written Request * A complete payment history from origination to present * Written explanation and documentation of the alleged XX/XX/XXXX rule * Explanation for refusal to accept or apply my payments * Correction of any servicing errors * Immediate acceptance and proper application of my mortgage payments This appears to be a violation of federal mortgage servicing regulations under RESPA. I am requesting a full investigation and prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My mail was stolen XXXX dat and after that multiple credit cards were opened in my name, they wont allow me to dispute this cause they say payments were made on the account... I didnt make those payments, once i found out my identity was stolen then i figured they were using my own debit /credit card to make payments on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the collection efforts made by PORTFOLIO RC regarding an alleged credit card debt with account number XXXX. As of today, XX/XX/2026, I have been repeatedly contacted by PORTFOLIO RC concerning a debt of {$900.00}, which I firmly believe is not mine. Upon reviewing my credit report, I discovered that this account is being reported on all three major credit bureausXXXX XXXX XXXX XXXXadversely affecting my credit scores, which currently stand at XXXX, XXXX, and XXXX, respectively. This has had a severe negative impact on my financial health and ability to secure credit at reasonable terms. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt. I have not received any verification or documentation proving that this debt is indeed mine. Furthermore, the Fair Credit Reporting Act ( FCRA ) mandates that the information furnished to the credit bureaus must be accurate and verifiable. Given that this debt is not mine, it is unjustly affecting my credit profile. I have not received any written verification from PORTFOLIO RC to substantiate their claim. Therefore, I am requesting the complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX. Such action will rectify the inaccuracies that are unjustly impacting my credit scores. I appreciate your prompt attention to this matter and expect a written confirmation of the removal of this erroneous account from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: TN

Complaint narrative:
I have sent a letter to MOHELA on XX/XX/2026, following a phone call with one of their customer service representatives. In this letter, I requested a goodwill adjustment regarding a late payment reported on my account. This late payment occurred for several reasons, and from my recent terrible experience I would request that MOHELA 's internal processes be reviewed. MOHELA solely attempted to contact me through only one methodmy personal emailwhich I check intermittently and which had been automatically routing all MOHELA emails to a transactions folder rather than my primary inbox. On record, I also have my current phone number and mailing address, yet I never received any mailed notice or text message regarding the delinquency. When contacting their service desk, the presence of an automated message stating that MOHELA does not offer good-faith credit adjustments suggests this is a recurring issue. The only guidance provided from their representative was to move forward. I am deeply disappointed that we can not move forward with our home purchase, as I have consistently made all required payments in the past. This has only occurred since the note came out of forbearance. I am not someone who is careless with financial obligations. It is especially frustrating to have the means to resolve this and still be prevented from doing so due to process failures beyond my control. Thank you for your review of this negligent behavior. I look forward to your positive response.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was paid by my job for a test that I completed and they paid me {$380.00} on Cash app after receiving the money I tried to withdraw it and they just randomly close the account and took the money out of it and closed it and they're not giving me a reason as to why nor are they making any tips to unlock the account they basically just took the money and saying there's nothing that they can do I was on the phone with Cashapp for over an hour

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding the closure of my account without a clear explanation. My account was closed for an alleged violation of the Terms of Service, however, Cash App has refused to specify what activity or transaction led to this decision. I submitted an appeal and requested clarification, stating my willingness to provide documentation or verify any transactions. Despite this, Cash App responded that their decision is final and did not provide any meaningful details. This lack of transparency prevents me from understanding, disputing, or correcting any alleged issue. I believe this is unfair and limits my ability to resolve the matter. I am requesting : 1. A clear explanation of the reason for my account closure ( at least the category of violation ) 2. A secondary review of my account by a compliance team 3. Assistance with accessing or withdrawing any remaining funds, if applicable I have acted in good faith and am willing to cooperate fully to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding a {$29.00} late fee charged to my XXXX credit card account. Autopay was enabled on my account ; however, the system scheduled the payment after the due date rather than on or before it. This resulted in a {$29.00} late fee, even though I relied on autopay to ensure timely payment. I contacted customer support to request a waiver. The initial response incorrectly identified a {$350.00} payment as a late fee, demonstrating that my account was not properly reviewed. After I clarified this, I was informed that once my payment cleared, I should reach out again and they would assist with reversing the fee. My payment has since cleared and my account is current. When I followed up as instructed, my case was closed without resolution, and I was directed to open a new case. Attempts to continue the issue resulted in automated responses stating the case was closed. This situation reflects : A late fee caused by autopay timing rather than a missed payment Inaccurate and inconsistent customer support responses Failure to honor stated conditions for fee reversal Closure of the case without resolving the issue

Company response to consumer: Closed with explanation