vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am filing a complaint against Wells Fargo regarding approximately {$7500.00} of my funds that I have been unable to access. Wells Fargo issued a check for these funds, which was lost in the mail and later returned. This situation was not caused by any action on my part. After reporting the issue, I followed instructions provided by Wells Fargo representatives and completed the form I was directed to submit. I was later informed that I had been given incorrect instructions and had completed the wrong form. This caused additional delays. Additionally, the incorrect form I submitted was still processed by Wells Fargo without notifying me that it was not the appropriate form. Based on Wells Fargos own policies, particularly those related to estate or account processing, if the correct form is not submitted, it should be rejected and the customer should be notified to complete and resubmit the proper documentation. That did not occur in this case. I have made multiple attempts to resolve this issue and have requested escalation several times. However, I have been repeatedly transferred between representatives without resolution. Wells Fargo is now requiring me to pay a bond or indemnity fee in order to reissue my own funds, despite the fact that the check was lost/returned and I was given incorrect instructions by the bank. I offered before it was mailed to pay for priority mail, since they would not directly deposit the funds, which I was beneficiary on death to. I learned later, by using the correct form, that the funds couldve been directly transferred to my account. I do not believe it is appropriate to charge me a fee under these circumstances, as the issue was not caused by me and was further complicated by errors in guidance and processing by Wells Fargo. I am requesting that Wells Fargo immediately reissue my funds without any bond or indemnity fee, preferably through direct deposit to my XXXX account. If this issue is not resolved, I am concerned that Wells Fargo is unreasonably withholding access to my funds. Thank you! XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding JEFFERSON CAPITALSYSTEMS ( XXXX ), who is attempting to collect an alleged debt with the amount claimed being {$270.00} or any other amount they assert. The debt has not been properly validated, and I dispute their attempt to collect this debt. JEFFERSON CAPITAL SYSTEMS has failed to provide any documentation to substantiate the alleged debt, and their collection activities are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any information verifying the debts validity, including the address of original creditor, and proof of their legal authority to collect on this alleged debt. I request the following actions from the CFPB : Investigate JEFFERSON CAPITALSYSTEMS for their failure to provide validation of the debt as required under 15 U.S.C. 1692g of the FDCPA ; ensure that JEFFERSONCAPITAL SYSTEMS ceases all collection activities on this alleged debt, including reporting it to credit bureaus, until they provide proper validation documentation ; demand that any reference to this debt, be removed due to the lack of verification and substantiation ; and take corrective action to ensure JEFFERSON CAPITAL SYSTEMS complies with their legal obligations under the FDCPA and 15U.S.C.1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information is reported on consumer credit files. It is my belief that JEFFERSON CAPITAL SYSTEMS is violating my rights by attempting to collect a debt without proper validation, which has caused harm to my credit report and financial well-being. I ask the CFPB to ensure that JEFFERSON CAPITAL SYSTEMS. Adheres to the law and removes any and all references to this alleged debt from my credit file. Furthermore, I request that JEFFERSON CAPITAL SYSTEMS cease all collection activities on this alleged debt unless they provide the necessary validation as required by federal law. Thank you for your attention to this matter. I trust that the CFPB will assist in investigating this issue and help ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
i have put in many disputes numbers XXXX, XXXX and XXXX. many rebuttals and tons of information shared. chime keeps saying they are finding no issues even tho i have over XXXX documents for evidence. XXXX a over seas gambling company i never used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
Called the fraud department to stop a transaction and the representatives did not help and in fact waste your time. Key bank and other banks need to stop hiring out of country representatives because these people dont do their job and mishandle the calls and waste peoples time on their product they provide to communities

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Complaint Regarding Improper Bank Account Freeze and Lack of Notice Debt Collection I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the associated creditor regarding a legal order that resulted in my bank account being restricted without proper notice. On or about XX/XX/year>, I received a letter from my bank informing me that my account had been restricted due to a legal order related to an alleged debt in the amount of {$2800.00}. The bank indicated that the order was received on XX/XX/year>. However, I was never properly served with any summons, complaint, or prior legal notice regarding this matter. After logging into my bank account, I discovered that my funds had already been restricted before I had any knowledge of the case. The notice I received referenced a court date of XX/XX/year>, which is still in the future. This means enforcement actions were taken against my account before I was given an opportunity to respond or appear in court. This raises serious concerns regarding violations of my rights under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e, and 1692f ) * *, including failure to provide proper validation of the debt and engaging in unfair or deceptive collection practices. Additionally, the lack of proper service appears to violate my due process rights under the * * Fourteenth Amendment of the United States Constitution * *, as I was not given proper notice or an opportunity to be heard before my assets were restricted. I am requesting the following : 1. Immediate investigation into the actions of XXXX XXXX XXXX, XXXX and the creditor 2. Verification and proof of proper service of the summons and complaint 3. Validation of the alleged debt pursuant to federal law 4. Immediate release of any improperly restricted funds if proper procedures were not followed 5. Removal or correction of any negative reporting associated with this matter if found to be improper I believe my rights as a consumer have been violated, and I am seeking prompt resolution and accountability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: KS

Complaint narrative:
I am filing this complaint against Wilber XXXX regarding a debt that I formally disputed over 30 days ago, with no response or resolution. The debt is related to a motor vehicle accident for which I am not at fault. The police report is currently in the process of being corrected to reflect the accurate determination of fault. Despite this, the company has continued to treat this debt as valid and has failed to respond to my dispute or conduct a proper investigation. As a result of their inaction, my drivers license has been negatively impacted, causing significant hardship and affecting my ability to work and manage my daily responsibilities. I have already contacted the company and requested that they : Cease collection activity while the dispute is under investigation Review and correct their records Notify the Kansas XXXX to remove any hold or restriction on my license They have failed to respond or take appropriate action. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly investigate a disputed debt and continuing to act on inaccurate information. I am requesting immediate intervention to ensure : The debt is properly investigated Collection activity is stopped My drivers license is no longer affected by this disputed claim This situation is causing ongoing financial and personal harm, and I am requesting urgent resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Thorough Credit File Investigation, Reevaluation, and Increased Creditor Visibility To Whom It May Concern, I am writing to formally request a thorough investigation and reevaluation of my credit file maintained by Equifax. At this time, I do not believe my current credit score accurately reflects my true creditworthiness. Based on my understanding of my financial behavior and history, I believe my score should be higher. Therefore, I am requesting a more comprehensive and detailed review of my file to ensure that all reported information is accurate, complete, and properly calculated. I am confident that a careful and thorough investigation will identify any discrepancies, outdated information, or unverifiable items that may be negatively impacting my score, and that appropriate corrections will result in a more accurateand potentially highercredit score. In addition, I am actively working to strengthen and expand my credit profile. I would like to receive more credit offers and opportunities that will allow me to responsibly build my credit by maintaining additional positive accounts. I respectfully request that my profile be evaluated for increased visibility to potential creditors so that I may receive more pre-approved offers and opportunities. Furthermore, I am currently in the process of building business credit for my XXXX and would appreciate any information, reporting options, or resources Equifax can provide to support the development of my business credit profile. Please provide written confirmation of your investigation results, including any updates or corrections made, as well as guidance on any additional steps I can take to improve my credit standing and visibility. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required under the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank sent XXXX letters, each dated XX/XX/XXXX advising me that they decided to close my XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX, both for activity on accounts indicative of high risk of failure to pay. ( letters attached ) When I called Synchrony customer service for further information on the reason for these letters, after being transferred to XXXX different departments, I spoke with a supervisor XXXX who could only say Unfortunately this decision has been made and there is nothing that can be done to change this and refused to escalate the matter for further review after being told this is a serious mistake. I currently have multiple credit cards and have been a credit card user for well over 40 years. Not once have I exceeded any credit limits on any of these accounts, and the balances have been paid on time each and every month without fail. No bank has ever threatened or closed any of my credit accounts. The XXXX Synchrony credit cards that were closed were no exception. Both accounts never exceeded or even came close to reaching credit limits, both on automatic payment and have been paid on time each and every month as billed. I have stellar, excellent credit and see absolutely no justifiable reason for the action taken to close these XXXX accounts. My credit scores with all major credit reporting agencies are all over XXXX which puts me in the top/exceptional tier. I have no mortgage on my home, a significant asset. I also have a Synchrony Bank savings account with a six-figure balance. So, I ask, how does this qualify me as a high risk of failure to pay customer???? I will also mention that in XXXX, for the first time I was the victim of identify theft which resulted in a Synchrony Bank XXXX XXXX being fraudulently opened in my name and fraudulent purchases made on the account. I immediately contacted Synchrony when I became aware of the situation and notified the major credit bureaus of this issue and placed fraud alerts on my profile. I received confirmation from Synchrony Bank in a letter dated XX/XX/XXXX that their fraud team confirmed the account was not opened by me and cleared me of any responsibility for this account that XXXX opened in error. Receiving these letters from Synchrony Bank is both disappointing and insulting to me, someone who has always maintained credit accounts in a responsible manner, never a late payment, credit limit never exceeded. This has caused undue stress and a waste of my time to get this resolved. On XX/XX/XXXX I sent this information in a letter to XXXX XXXX XXXX, CEO of Synchrony Bank with no response or acknowledgment of my letter to date ( letter 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date : XX/XX/XXXX Subject : Credit Report Dispute Unverified Debt To Whom It May Concern, I am formally disputing an account that is currently being reported on my credit file. This debt has not been properly verified, and the company reporting it has not provided sufficient evidence that they are authorized to collect on behalf of the original creditor. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into this matter. Specifically, I request verification of the following : 1. Proof that this debt is valid and accurate 2. Documentation showing that the reporting company has legal authorization to collect this debt 3. A copy of any agreement bearing my signature that establishes my responsibility for this account As of now, this account remains unverified and therefore should not be reported on my credit file. If this information can not be properly verified, I request that it be removed immediately. Please provide me with the results of your investigation in writing. Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Address : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: FL

Complaint narrative:
I am writing to check on the status of my {$100.00} Direct Deposit bonus. The requirements include making a direct deposit of at least {$400.00}. I have completed this requirement by receiving a {$400.00} on XX/XX/XXXX. I have kept my account open for over 90 days and completed all requirements to receive the bonus. However I have still not received my {$100.00} bonus. Can I please get an update on this The teams of the promo specifically state The qualifying incentive credit will be applied to your account within 5 business days after the qualifying direct deposit activity. It has now been past XXXX business days since making my eligible direct deposit and I have not yet received my {$100.00} bonus. link to promotion attached XXXX XXXX XXXXXXXX Terms : To qualify for this offer, 1 you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and XXXX enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account. The qualifying incentive credit will be applied to your account within 5 business days after the qualifying direct deposit activity.

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 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am cont to have issues with my funds being draft without my authorization. I have called Navy Federal and set a pay arrangement for my payments to prevent unexpected drafting. However, the bank is continuing to commit Fraud. This has become a very Fustrating Process. I recv a Deposit w/ NAVY XXXX TIMES PER MONTH AND EACH DRAFT I HAVE TO CALL REGARDING FUNDS BEING TAKEN ALTHOUGH PAYMENT ARRANGEMENTS ARE IN PLACE PRIOR. Yesterday my saving acct was draft to cover XXXX of the loan payments. While the other remain set to draft XX/XX/year> as I req on Sunday XX/XX/year>. I spent XXXX on phone. Req call record

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint against Chase Bank regarding XXXX transfers from my account ending in XXXX. In XX/XX/year>, I initiated authorized XXXX transfers from my Chase account to an XXXX XXXX savings account. These transfers were legitimate and represented repayment of a personal obligation. XXXX XXXX accepted the funds but later restricted the receiving account and has not made the funds available or returned them. XXXX XXXX has confirmed that it is currently holding the funds and has indicated that action from the originating bank ( Chase ) is required for the funds to be returned. I filed a claim with Chase requesting assistance. However, Chase closed the claim multiple times on the basis that the transactions were authorized, without addressing the actual issue : the funds were accepted by the receiving bank but were not properly credited or returned. This is not a fraud claim. The issue is that the funds are being held by another financial institution, and I depend on Chase as the originating bank to initiate a recall or recovery process. I am XXXX XXXX XXXX, and these funds represent a significant portion of my life savings. This situation has placed me in a very difficult position. This was not a fraudulent transaction. It was an authorized transfer made in good faith. However, due to what appears to be a technical or procedural issue between the banks, my funds are now in limbo. XXXX XXXX has indicated that the funds can only be returned through action from Chase, yet Chase has not taken the necessary steps to assist in recovering the funds. As a result, I am left in the middle of XXXX financial institutions, unable to access my money. This situation reflects a lack of coordination and lack of reasonable assistance in resolving a non-fraud issue. Despite providing supporting documentation, Chase has not taken adequate steps to recover the funds or assist in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia debt recovery D.B.A Gensis debt recovery is illegally charging me interest on a rental debt. According to my originally signed lease, there was no interest accrued on late payments, simply a flat fee. When the debt was sent to gensis they began charging me an interest on the debt. Making the total balance exceed over XXXX moving closer into XXXX. At the time of filing this complaint I have already had to submit one about this company and their shady practices before. Everytime the debt is disputed, they reapply it to my credit profile under a different name and a higher amount.

Company response to consumer: Closed with explanation