vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The company is Wells Fargo bank I deposited my check on the fifth I was told and received notice that the check was gon na be on hold till the XXXX and that {$270.00} would be released on XX/XX/XXXX and then the rest on the XXXX on XX/XX/XXXX when I woke up and checked my bank account, there was nothing I called the bank and was told that it was gon na be on till the XXXX I checked with our accounting who does the payroll and she checked our bank account and she says there is nothing fraudulent on that account so then I got escalated to a higher department and the girl told me no its not being held till the XXXX. Its been held till the XXXX and its not due to fraudulent activity. Its due to a message. They received from the other bank saying that these funds might not be collected. I spoke to our payroll department and they said that my check was on positive pay and that theres more than enough funds in the account and that funds were already taken out and that the check would hard post the following day after I called several times and wouldnt take no for an answer. They finally released my full check on the seventh. I deposit another payroll check XXXX weeks later and they said that theyre putting a hold on the check. I would receive XXXX the following day and then the rest 10 days later on XXXX XXXX again I called to complain a charger of payroll told me that the funds were already taken out and that my check again is on positive pay, and that it will hard post the following day, which is today this morning. I received the XXXX like the notice of the whole said, but then like an hour or XXXX later, they took that money back and placed a hold on the full amount with no notice of any kind and no answers and no reason why. The funds have been taken out of my employers account and it has already posted. I have an email from the bank that the check was written on saying theres nothing wrong with that check and that it cleared already and they have the money. Wells Fargo is telling me that they will not check their account again until the XXXX that I just have to wait even though they already have the money and gave me no notice that they were gon na hold the full amount and then how they released {$270.00} and then took it back a few hours later with no explanation.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clark County Collection Service
State: CA

Complaint narrative:
I am disputing a Clark County Collection Service ( CC Coll Svc ) collection account that appears on my TransUnion credit report. I have been disputing this account for approximately a year. I submitted disputes through TransUnion and also mailed a formal Method of Verification request to TransUnion on XX/XX/XXXX. They received my request on XX/XX/XXXX. I never received any verification or documentation from TransUnion. 

I filed a complaint with the CFPB, and CC Coll Svc responded by uploading a single XXXX XXXX Final Bill dated XX/XX/XXXX, showing a total amount of {$320.00}. This document does not validate the debt and does not prove : that I opened or authorized utility service that I resided at the service address that I am contractually responsible for the account that the balance being reported is accurate that CC Coll Svc has legal authority or assignment to collect or report this debt what method of verification was used to confirm this account with TransUnion why the amount reported by the collector does not match the XXXX  XXXX XXXX A billing statement alone does not satisfy the validation standards under the FDCPA or the reinvestigation and verification requirements under the FCRA. 

Because the furnisher has not validated this debt and TransUnion did not provide the required Method of Verification, the account is being furnished without proper verification, which violates : FCRA 1681e ( b ) duty to report accurate information FCRA 1681i failure to properly investigate FCRA 1681s-2 ( b ) furnisher obligations after receiving a dispute Requested Resolution : I request that Clark County Collection Service be required to : 1.Cease furnishing this account to TransUnion.

2.Permanently delete the CC Coll Svc/XXXX XXXX account from all consumer reporting agencies.

3.Provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I bought the {$750.00} money order at XXXX in XXXX on XX/XX/year> at about XXXX. The money was to go to XXXX XXXX XXXX XXXX for my stepson 's group home. The money came from his XXXX account to pay for his stay at the group home. The group home coordinator lost the money order. I didn't keep the receipt. I went to XXXX asking for help to get the XXXX digit number that was on the receipt. We were able to get that after calling Western Union and talking to several different people. The XXXX digit number is XXXX. Even though I sent Western Union this number as well as a copy of my bank statement showing I paid {$750.00} at XXXX 's on XX/XX/year> ( the {$1.00} was to pay for the money order ), they still are asking for a letter from XXXX saying I did indeed buy a money order from them. I don't see how this is necessary since everything I already gathered together should prove this. I am in the midst of moving and I don't have time to bother XXXX again to ask for a letter. I did write to XXXX XXXX and I was ignored.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I redeemed XXXX Chase Ultimate Rewards points to transfer to XXXX XXXX. The history showed that it was successfully transferred. In the XXXX XXXX account, it says it was transferred, then cancelled. Showing a XXXX and immediately a XXXX. I attempted to call Chase and United over a dozen times, even doing a XXXX way call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX my paycheck was direct deposited into my Venmo account. That same morning I used my venmo card to add {$25.00} to my XXXX account, about XXXX minutes later I got an email saying my account had been suspended, and that I needed to upload a copy of my ID to them, which I did immediately. I have received no other correspondence, my account remains suspended, I have no access to my money. I called their support number and was told they can't tell me anything, theres no way to contact the department that handles these things ; that they " are in the back office and can only communicate by email '' and that the only thing I could do is sit and wait to receive an email from this mystery department. I need access to my funds. My paycheck was all the money I have, and its been 6 days now that I have been going without, all for seemingly no reason. I have done absolutely nothing to violate the terms of service, and I feel they have no right to withhold my money from me, I submitted my ID like they asked. If it takes XXXX days to look at a picture of an ID, then they must be suspending way too many peoples accounts or something. It's my belief that they are holding my money so they can collect a little extra interest off of it. Sure, the interest isn't much on what I have in my account, but combined with who knows how many other accounts they have suspended, I'm sure the aggregate is more than a decent amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank froze access to my account for XXXX  days. After the freeze was lifted I was blocked from using my debit account for every single transaction. After calling and confirming it was me for ebery transaction I entered a branch to withdraw money from my account. I was denied access to my own cash at an atm for no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
Nothing has been completed by Mohela for my closed school discharge on XX/XX/year>. Mohela has been requesting refunds to XXXX and they are the incorrect amount. 

XXXX sent the file to Mohela for reconciliation with the exact amount my refund however, Mohela reps continue to state that escalations keep getting sent in which is causing everything to become delayed and delayed and delayed. 

I have been told by XXXX the entire principal balance is to be sent back as a refund. 

Mohela has no payment history because I consolidated the loan on the retroactive discharge date. XXXX did send a file to reconcile the account and match the refund they have addressed. 

I am a full class member sweet settlement and my loan discharge was retroactively applied. At one point Mohela told me that they requested approval for the refund on XX/XX/XXXX ; I can't give you exact dates because everyone is telling me different things. 


They today, told me they couldn't see the requests for the refunds because the account is not finished reconciling. I am just being ran around at this point.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no involvement with the accounts listed and did not approve their opening. Im requesting a review and the removal of the accounts after confirmation. Supporting materials are attached.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I discovered this past fall ( XXXX ) that there was, and still is errors on my XXXX report due to GM Financial reporting that I was late on my lease payments for the months of XXXX, XXXX, XXXX and XXXX of XXXX. I have bank statements proving I was never late for any of them. All XXXX months were paid by the agreed due date of the XXXX of every month. I followed the prescribed dispute procedures established by GM Financial, XXXX XXXX XXXX, to no avail. Very simply GM Financial stated their info is correct. My bank statements prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
XXXX XX/XX/year> I called company explaining my situation that aI lost my job, after being paying on time the entire time since I bought the house. They said that I will receive a phone call so, I can explain the situation better and see what solution they have XXXX XX/XX/year>. I received the phone call and they told me that my only option that I have it's possible to pay partial payment however will be reported to credit union like I didn't pay

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

Complaint narrative:
Wells Fargo failed to exercise reasonable care and failed to comply with its own stated dispute resolution procedures, directly resulting in a foreseeable and preventable financial loss. I filed my dispute on XX/XX/year>, relying on Wells Fargos representation that disputes are processed within 10 days. Wells Fargo did not meet this obligation. 

If Wells Fargo was unable to contact the merchant, it had a duty to notify me within the stated 10-day timeframe so that I could take alternative action to mitigate my damages. No such notice was provided. This lack of timely communication constitutes a failure of reasonable notification and deprived me of the opportunity to recover my funds within the merchants 30-day refund policy. 

The transaction was funded directly from my Wells Fargo account, and Wells Fargos delay extended beyond the merchants allowable dispute window, making recovery impossible. This loss was the direct and proximate result of Wells Fargos failure to act within required timelines and failure to provide timely notice, not due to any error, neglect, or inaction on my part. 

As a direct consequence of Wells Fargos mishandling, my account went into a negative balance on XX/XX/year>, immediately prior to the holiday season, causing financial harm. I am not financially able to absorb a {$280.00} loss caused by a banks failure to follow its own policies and basic consumer protection standards. 

addition, Wells Fargo claimed that notice was sent to me by mail. This directly contradicts my documented delivery preferences on my account, which are set to receive all statements and notices electronically. I did not receive any mailed notice, nor was any notice delivered to me electronically as required by my selected delivery preferences. 

By sendingor claiming to sendcritical dispute-related correspondence through a delivery method that contradicts my account preferences, Wells Fargo failed to provide proper notice. This failure further deprived me of the opportunity to respond, submit documentation, or take corrective action within required timeframes.

Wells Fargos actions represent a breakdown in dispute handling procedures and consumer safeguards. I am requesting full reimbursement of the {$280.00}, along with a formal explanation of Wells Fargos failure to comply with its stated dispute timelines and notification obligations.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have capital one as a bank and I almost always go through getting paid extremely late. My deposit always comes on Wednesday because capital one offers 2 day early pay. There have been more than XXXX instances where I get paid on Thursday in the middle of the day like XXXX. I am frustrated and will no longer be using this bank because of the lack of care for customers and for the lack of solutions. I get told its my job thats the reason I get paid late or maybe a third party my bank uses but I dont believe that. Even if Monday was a holiday this is XXXX ridiculous. All I want is the money I work hard for so I dont starve to death or go bankrupt because I dont have funds to make payments. XXXX capital one.

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 — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HFS Financial LLC
State: TX

Complaint narrative:
Issue with upfront Transparency and Disclosure - I obtained a {$60000.00} swimming pool loan. During multiple conversations prior to closing, the lender discussed interest rate and monthly payments but did not disclose a {$2300.00} loan processing fee verbally in any of the calls. I also have call logs trying to reach HFS financial and no one took the time to walk me through the closing disclosure and highlight the fee. This fee only appeared in the Closing Disclosure, which I signed without the fee being verbally explained. The loan has since been funded. I believe this fee was not transparently disclosed and am requesting an executive review and remediation of the undisclosed charge. XXXX XXXX and XXXX XXXX worked on my account. The call transcripts were reviewed and it was confirmed the fee was never discussed in the call.

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 — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunbit, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I financed optional XXXX trays through Sunbit at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During my appointment, impressions were taken. I was not informed that these impressions were for optional take-home trays. I believed they were part of my root planing/deep cleaning treatment. 

On XX/XX/year>, I contacted XXXX XXXX requesting a refund of my deposit and cancellation, as no trays had been delivered and I had not received or used any take-home product. 

On XX/XX/year>, I again formally requested cancellation and a refund for the trays, explaining that the trays were optional, misrepresented, and never received. 

XXXX XXXX did not respond to my written requests or provide documentation showing informed consent or proof of delivery. 

I contacted Sunbit requesting my signed financing agreement, proof of delivery, and cancellation of the loan due to non-delivery and misrepresentation. Sunbit acknowledged that the service was not received but stated that because they had already paid the merchant, any cancellation or adjustment must be initiated by the dental office. 

Despite my repeated attempts, the merchant has not initiated a cancellation, and Sunbit has refused to investigate or intervene. I am seeking cancellation of the financing agreement, a full refund, and written confirmation that my balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX for deceptive, unfair, and misleading practices related to my auto loan and add-on products. 
At the time of purchase, I was charged and paid for GAP insurance as part of my vehicle financing. However, I have never been provided a GAP policy, contract number, insurer name, or any written documentation proving this coverage exists. Despite repeated requests, XXXX XXXX XXXX has failed to produce a valid GAP insurance policy. 
To verify coverage, I contacted the third-party administrator ( XXXX  ), and I was explicitly informed that I do NOT have GAP insurance. Instead, I was told I only have tire and wheel protection, dent coverage, and key replacement. These products were never properly disclosed or explained to me, and I did not knowingly consent to purchasing them in place of GAP coverage. This constitutes material misrepresentation and deceptive sales practices. 
Additionally, XXXX XXXX XXXX repeatedly stated that no tracking device was installed in my vehicle. This statement was false. When the vehicle was later repossessed, the company knew the exact location of the car, proving that a tracking or GPS device had been installed and used without my informed consent. This is a breach of contract, deceptive practice, and a violation of consumer protection and wire communication laws, as false information was knowingly provided to me regarding the vehicles equipment and monitoring. 
Because of these actions : I paid for GAP insurance that does not exist I was misled about what products I actually purchased I was lied to about the presence of a tracking device I suffered emotional distress, financial harm, and loss of trust I am requesting the following resolution : Full refund of all GAP insurance charges and any undisclosed or misrepresented add-on products Written proof of all products charged, including contracts, disclosures, and signatures Investigation into XXXX XXXX XXXX XXXX and fraudulent sales practices Appropriate monetary relief for damages caused by these violations I believe these actions violate federal and state consumer protection laws, including prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ). 
Thank you for your time and attention to this serious matter. I am prepared to provide any additional documentation requested. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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