vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: VERITAS FUNDING, LLC
State: UT

Complaint narrative:
I worked for the company starting XX/XX/XXXX and was terminated XX/XX/XXXX. I received a severance letter stating I would receive my working wages along with my accrued and unused XXXX. I had roughly XXXX accrued hours and only received XXXX. I was paid about $ XXXX. I have been reaching out to the company and CEO with no response since my severance day. After working foXXXX XXXX years it is really frustrating to see this company ignore me in the way they have, especially now that I know they contributed to gender pay gaps and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
An unauthorized user made multiple fraudulent transactions using my debit card information to purchase from XXXX on XX/XX/XXXX. My card was in my possession, I have no other authorized users of my bank account or cards, I did not initiate, or have knowledge of any of the XXXX transactions made in XXXX of XXXX. Several transactions were stopped or repaid by the vendor ( XXXX ), but XXXX of the fraudulent transactions went through and were charged to my Truist checking account XXXX. The charges were disputed the same day and a temporary claim credit was issued by Truist for each of the transactions. Truist began investigating the claim and came to the ( incorrect ) conclusion that the transactions were not fraudulent and that I need to resolve the issue with the vendor. I requested the documents from Truist that led them to the conclusion and I have not received them. I have emails from XXXX stating that they took the necessary action and that the matter is in the hands of Truist.

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am a XXXX XXXX with official XX/XX/XXXX mobilization orders starting XX/XX/year> ( travel date XX/XX/year> ). On XX/XX/scrub> 2026, Westlake Financial illegally repossessed my vehiclewhich I have financed and owned for nearly a yearwithout a court order, in direct violation of the Servicemembers Civil Relief Act ( SCRA ) XXXX XX/XX/scrub> 2026, I made my car payment. Although the payment was late, Westlake fully accepted it and processed it under Confirmation Number : XXXX. Westlake proceeded with the repossession anyway. Customer service later claimed they did not stop the repossession because I failed to call and manually notify them that the payment had been made. Westlake is now withholding my vehicle and demanding over {$1600.00} in repossession and storage fees while daily storage charges continue to pile up. When I requested to speak with Westlakes XXXX department, I was initially told by customer service that the department had no contact information. After escalating for XXXXXX/XX/XXXX I was finally given a phone number. On XX/XX/XXXX, I spoke with an XXXX representative named XXXX. Representative XXXX explicitly denied my XX/XX/XXXX eligibility, stating that I am not protected because my initial XXXX XXXX enlistment date preceded the loan date, and that military members are not eligible for XXXX protections due to Debt-to-Income ( XXXX ) ratios.Both of these claims are completely false. Under XXXX XXXX. XXXX, a XXXX XX/XX/XXXXXXXX protections against repossession legally trigger the exact day the orders are received, not the future report date. Furthermore, there is absolutely no income or XXXX requirement to qualify for federal XXXX protection.Because the loan was signed a year ago, it is a pre-service debt. Under XXXX XXXX. XXXX, Westlake was strictly barred from repossessing my vehicle without a judicial court order. Westlake accepted my payment, brought my account current, and then used false compliance guidelines to deny my rights and withhold my property right before my XXXX. I need immediate intervention to force Westlake to return my vehicle, waive all fees, and cease violating federal military protections.

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander USA says I owe XXXX months of dues, and there's a {$500.00} repossession fee. I asked for a statement of account. They couldn't provide it. They provided me a statement showing only all my payments. They, I paid the month of XXXX {$1100.00}, and they still took my vehicle without any remedy. I've asked to be put on a payment plan. They couldn't do it, and they keep hanging up the phone on me when I'm trying to resolve this with them. And they charged me a {$500.00} repo fee, which I feel is excessive, and needs to be reviewed by the Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Summary of the Issue : Wells Fargo is holding a {$160000.00} wire transfer sent on XX/XX/year>, and has provided no communication, no explanation, and no response to repeated inquiries. The funds were intended for my vendor, XXXX XXXX XXXX, XXXX XXXX, and were transmitted using Wells Fargo routing number XXXX. The sending institution confirmed the wire was successfully sent, but Wells Fargo has neither released the funds nor returned them to me. Details of the Problem : I am the sender of a {$160000.00} wire transfer intended for XXXX XXXX XXXX. The wire was initiated on XX/XX/year>. Since that date, Wells Fargo has held the funds without explanation. I have contacted Wells Fargo multiple times, but I have received no communication, no updates, and no justification for the continued hold. This prolonged and unexplained delay has caused serious financial hardship. Wells Fargo has failed to process the wire, failed to release the funds to the intended recipient, and failed to return the funds to me. What I Want Wells Fargo to Do : I am requesting the following : Immediate return of the full {$160000.00} to my account, since Wells Fargo has failed to complete the wire transfer. A written explanation for why the funds were held. A full investigation into why the wire was not processed within required timeframes. Confirmation of corrective action to prevent this from happening again. Impact : The lack of communication and the extended hold on my funds have caused significant financial harm and disrupted contractual obligations. Wells Fargo has not complied with expected standards for wire transfer processing or customer communication.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Good afternoon : I opened an account with American Express ( credit card XX/XX/XXXXXXXX ). The account was less than XXXX months, but there were payments made each month. I did not make the payment for the month of XXXX because I was in the midst of securing funds to pay off all of my debts. That was the only late payment I ever made. My account was closed on XX/XX/XXXX and I was completely unaware that my account was in danger of being closed because of XXXX late payment. It was then reported to a collection agency which negatively impacted my credit score. I have since paid off the balance ( XX/XX/year> ) and requested to have my account reopened and the closure removed from my credit report. I spoke with a manager who told me that her name was XXXX XXXX. She informed me that there was no way for me to make a dispute and that the decision was final. I do not like to rely on race in certain situations, but I find it very odd that my account would not only be sent to a collection agency, but also closed due to a XXXX missed payment on XX/XX/XXXX, when it it is currently XX/XX/XXXX and the account has been paid off through the collection agency. In addition, with the state of our economy, it should be expected that ones financial situation could potentially result in a missed payment. I think it is unfair, unjustified and highly unlikely that American Express operates in a fashion where they close accounts after one missed payment and that is why I am disputing this decision. Any help you can offer in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts XXXX referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. . ( switch up the wording up that you understa

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
We requested to have our escrow account removed from our mortgage. It went up XXXX a month after a tax evulation for XXXX. We are fighting our taxes with our county and do not believe our taxes will be that much more this year. We wanted to handle taxes and insurance on our own moving forward. Our only stipulation to remove our escrow was to have a XXXX or positive balance. As of XX/XX/XXXX we had a postive {$100.00} balance to which we asked escrow to be removed. We recieved a letter dated XX/XX/XXXX from ServiceMac that our escrow was approved to be removed and would offically be off of our account on XX/XX/XXXX. On XX/XX/XXXX ServiceMac paid our insurance company XXXX putting us back in negative balance and claiming we could no longer remove our escrow until this was paid. Our insurance payment wasnt due until XX/XX/XXXX. After numerous phone calls and emails they refuse to stop payment on their check offering no solutions for their internal mistake. They mailed the check usps and as of XX/XX/XXXX our insurance company has still not recieve the check. ServiceMac said we would have to pay or escrow and start the process over, or cancel our insurance, request the check back and pay the escrow. It seems like they are doing everything to keep us in escrow. There should be paper trail on our account as I have been talking with them since XXXX about this. It takes DAYS to hear anything back from them and last phone call I made the employee told me he couldnt discuss anything further with me because I had an open ticket. That I would have to wait until they contact me. I have requested to talk to their legal department and managers in the escrow department, to which I have been told they submit a request and will reach out to me. XXXX people have contacted us back. They will not acknowledge any wrong doing on their part or provide any reasonable solutions considering this was their mistake. No money should have gone out of our account as of XX/XX/XXXX after our approval. When I ask if this is a fraudelent letter with their letterhead and my account information or if this was their internal mistake I get no response. It seems as if they just keep playing the waiting game to make us pay these crazy high mortgage payments.

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 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an imminent foreclosure sale scheduled for XX/XX/scrub>, 2026, and serious concerns involving improper notice, loss mitigation review, and foreclosure prevention communications. A FLEX Modification request was previously submitted regarding this property. We were later informed that the FLEX Modification had allegedly been denied on XX/XX/year>2026. However, XXXX XXXX did not personally receive direct notice of the denial, modification decision, appeal rights, reconsideration rights, or related foreclosure prevention correspondence. Representatives of the mortgage servicer advised that communications and documents had allegedly been routed only through bankruptcy counsel. However, XXXX XXXX did not personally file bankruptcy and was not represented by bankruptcy counsel regarding her independent ownership interests and foreclosure prevention rights associated with the property. As a result, XXXX XXXX was deprived of the opportunity to : Receive direct notice of the FLEX Modification denial Review available foreclosure prevention alternatives Submit additional documentation or reconsideration requests Exercise appeal or review rights before the foreclosure sale date Meaningfully participate in the loss mitigation process Despite repeated requests for emergency review and postponement, the foreclosure sale remains scheduled for XX/XX/year>2026, leaving almost no remaining time to resolve these notice and communication issues. We believe this matter requires immediate executive review due to potential violations involving foreclosure notice procedures, loss mitigation review obligations, and California Homeowner Bill of Rights protections. We are requesting : Immediate postponement of the foreclosure sale Immediate executive review of the file Direct communication with XXXX XXXX Review of all foreclosure prevention and loss mitigation options Copies of all notices and correspondence allegedly sent Confirmation whether an internal foreclosure hold request has been submitted This matter is extremely urgent due to the imminent trustee sale date and the lack of proper direct notice provided to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We filed XXXX disputes on this XXXX charge with the american express credit card XXXX. They refuse to look at the facts that the charge was made in error. Here is the email we send to XXXX and to American express I am writing regarding my reservation for XXXX XXXX in XXXX, XXXX ( Trip Number : XXXX ). I was charged a total of {$3800.00} for a Standard Room for XXXX adults. This charge is clearly incorrect and does not reflect the actual value of this hotel. XXXX XXXX is a budget XXXXstar property, with typical rates around {$30.00} {$60.00} per night. Even currently, the same hotel is listed on your platform for approximately {$37.00} per night. There is no reasonable scenario in which a standard room at this property would cost over {$600.00} per night. This is not a request for cancellation based on preference. This is a pricing error and a billing discrepancy. This matter has already been escalated through my credit card provider as a billing error. I am requesting : XXXX Immediate cancellation of this reservation XXXX Full refund of the amount charged XXXX Confirmation that this issue is being reviewed as a pricing error I have attached supporting documentation, including : My receipt showing the total charged Current pricing for the same hotel on your website Pricing from the hotels ocial website

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/scrub> 2024, XXXX XXXX XXXX XXXX XXXX sent me a collection notice identifying itself as a debt collector attempting to collect an alleged credit card debt on behalf of Bank of America with an alleged balance of {$12000.00}. Prior to receiving this notice, on XX/XX/year>2024, I had already sent a written debt validation request to another collection entity, XXXX XXXX XXXX, disputing this same alleged debt and requesting validation. On XX/XX/year>2024, I also executed a notarized affidavit disputing the debt and questioning the validity and ownership of the account at a Bank of America branch. Despite my written disputes, collection activity continued without documentation sufficient to resolve my validation, ownership, and authority-to-collect concerns. I also sent certified mail requests directly to Bank of America seeking clarification regarding ownership of the account, but my concerns were not meaningfully resolved. I have experienced prior identity theft issues documented through a federal identity theft affidavit and later filed a police report regarding fraud and impersonation concerns associated with disputed debts and collection activity. About XXXX weeks after identifying itself as a debt collector, XXXX XXXX XXXX filed a civil lawsuit regarding this alleged debt despite my ongoing written disputes and unresolved identity theft and validation concerns. Multiple entities attempted to collect this alleged debt during overlapping periods, which increased my concerns regarding ownership and collection authority.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Johnson Mark LLC
State: CO

Complaint narrative:
I have repeatedly tried to reach out to this attorney via the emails they have provided on their website, and no one contacts me. I have tried multiple emails, all provided by their company, and have not heard a thing. This has been going on for months. I am just trying to negotiate a payoff amount. This attorney has been impossible to work with from the beginning, and I have multiple emails to provide as proof, as well as all of my recorded calls.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX, I received multiple emails from Chime Bank informing me of a new account creation, information on how to move my direct deposit information to them, and information of how my new debit card will be sent to me. The address sent was a former address of mine from years ago. I called Chime to inform them that the account created was not made by me and I have no intent to do business with them. The phone agent was not helpful in the least. They demanded I provide my SSN to them to begin an investigation. When I refused, they refused to provide alternatives. They refused to escalate the matter. As the account was fraudulently created, I refused to provide my SSN to this company. Since that day, I have been receiving emails rather daily from Chime regarding their offers. I still want this account to be deleted however, Chime has not taken a single action to make the situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CA

Complaint narrative:
JP Morgan Chase issed me an XXXX XXXX branded XXXX card with a cash back reward on purchases from XXXX. I attempted to redeem my accumulated cash back last week and was unable to do so. The website says I can add any external bank account to withdraw the funds into, and has a flow to do so, but this flow creates a never ending loop of account adding and is not successful. I contacted the bank about my inability to redeem my cash back and they informed me that they no longer support redeeming the cash back to any bank account. They said I can only redeem it as a statement balance or I need to open a checking account with Chase to redeem it as cash. They claim this is a new policy. This policy is not stated in flow, in fact, the only flow still says I can redeem to whatever account I want. I shouldn't have to open a new checking account with Chase to redeem my accumulated cash back.

Company response to consumer: Closed with non-monetary relief