vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a complaint against Wells Fargo regarding what I believe to be the improper handling and withholding of funds in my checking account. On XX/XX/XXXX, I made a mobile deposit in the amount of {$350.00}. Wells Fargo placed the deposit on hold for verification. While I understand that banks may place holds on mobile deposits, the issue is that these funds were never made available in my account at any time. Afterward, I received a separate Social Security direct deposit into my account. Wells Fargo then took {$350.00} from my Social Security deposit related to the mobile deposit hold. In addition to that, Wells Fargo took another separate {$350.00} transaction from my account, resulting in a total of {$700.00} being withheld or removed. This does not make sense because the original {$350.00} mobile deposit was never made available to me and no funds from that deposit were ever withdrawn or used. Since the funds were already on hold and inaccessible, Wells Fargo should not have removed an additional {$350.00} from my Social Security deposit. I made several attempts to resolve this with Wells Fargo, including calls made on XX/XX/XXXX and XX/XX/XXXX. During those calls, I was told that I would need to wait 10 business days, which is unacceptable. I was unable to speak with any manager or supervisor, and I was advised that I would have to wait until XX/XX/XXXX for the mobile check to clear. However, the mobile deposit had nothing to do with my Social Security direct deposit because no funds were ever withdrawn from the mobile deposit. Therefore, there should never have been an additional {$350.00} held on the account. My Social Security benefits are protected funds and are my only source of income. I believe Wells Fargo improperly withheld and/or removed funds from my account and failed to properly explain the transactions or provide access to my legally protected Social Security deposit . I am requesting that Wells Fargo : 1. Return the improperly withheld or withdrawn {$350.00} immediately ; 2. Provide a full explanation and accounting of all transactions related to the mobile deposit and Social Security deposit ; 3. Correct any errors associated with these transactions ; and 4. Ensure my protected Social Security funds are not improperly held or removed in the future. I believe Wells Fargos actions resulted in an unlawful hold and improper restriction of my funds, causing financial hardship.

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 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: OR

Complaint narrative:
I previously filed CFPB Complaint # XXXX against XXXX XXXX regarding this same account. That complaint was unable to be forwarded. I am now filing against Diversified Adjustment Service , Inc., the collection agency actively collecting this debt on XXXXXXXX XXXX behalf. In XX/XX/XXXX, I opened a business wireless account with XXXX XXXX ( Account Reference : XXXX ). On XX/XX/XXXX, I made my final bill payment of {$57.00} in person at a XXXX store in XXXX, XXXX. On XX/XX/XXXX, I returned the associated device through XXXXXXXX XXXX XXXX return process ( Tracking # XXXX ). The account was reported closed by XXXX on XX/XX/XXXX. In XX/XX/XXXX, Diversified Adjustment Service began attempting to collect {$510.00} on XXXXXXXX XXXX behalf, while XXXX simultaneously reported a different balance of {$430.00} to all three credit bureaus. This {$79.00} discrepancy has never been explained by either party. I contacted XXXX XXXX Executive Relations office ( Case # XXXX ), submitted a full documentation package including the XXXX return receipt and payment receipt, and followed up multiple times. I received only form letter responses that did not address my evidence. XXXX continued pushing new negative updates to my credit reports throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2026, I received dispute results ( Report No. XXXX ) from Experian showing multiple accounts were updated but not corrected or deleted. I identified the following violations : 1. On XX/XX/2026 I sent a Method of Verification request via certified mail. As of XX/XX/2026 Experian has not responded, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 2. The XXXX XXXX tradeline contains Invalid date notations appearing 7 times a XXXX XXXX compliance failure violating 15 U.S.C. 1681e ( b ). 3. XXXX XXXX XXXX ( {$1400.00} ) returned consumer disagrees with no substantive verification. Experian failed to delete unverified information per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 4. The XXXX XXXX dispute notation was removed and replaced with investigation complete, reported by data furnisher while accuracy remains contested, violating 15 U.S.C. 1681i ( c ). 5. XXXX XXXX balance grew post-charge-off without verification, violating 15 U.S.C. 1681e ( b ). I have sent two formal demand letters to Experian. No response has been received. I am requesting deletion of unverified tradelines and immediate compliance with all outstanding lawful demands.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
Previously I submitted a complaint on chime in regards to a company advertising as XXXX XXXX scamming me out of XXXX chime acknowledges that I never received a product the company charged my card multiple times for large sums of money to the point I had to cancel my card, they charge my card using a different name than what they are using to sell products the contact information for the company is invalid yet chime is still holding my money under the presence of investigating. The amount the company charged me was XXXX On XX/XX/XXXX I made XXXX transactions XXXX was XXXX for {$58.00} XXXX XXXX XXXX for {$15.00} On XX/XX/XXXX the same day the XXXX XXXX was refunded also on XX/XX/XXXX the XXXX transaction was refunded. On XX/XX/XXXX I looked at my account and all I had was {$13.00} I went over my transactions and a total of {$94.00} was missing from my account Upon checking the charges the XXXX transaction was refunded but chime never returned the money to my account they instead removed the whole transaction to not appear on my account The cashapp transaction although refunded from XXXX chime is still holding the money I contacted customer service and I explained the situation and she tried to say that the XXXX transaction was refunded and I informed her my account is missing {$94.00} and that the XXXX transaction was supposed to be refunded but instead somehow instead of being refunded the entire transaction was removed from my account and no refund was given. I have added up all the transactions on my account that I have made and it does not reflect the XXXX transaction being made or refunded she refused to refund my money saying she sees it was refunded I told her I'm looking at my transactions and not only was it not refunded but there is a total of {$94.00} missing from my account and that the XXXX XXXX refund has not been refunded she had no resolution. In total chime is refusing to refund a total of {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I paid my property tax bill not knowing that my mortgage company was supposed to pay for it. I called them to ask for a refund and they said they were not allowed to give me a refund that the money would go into next years property taxes ( the ones they are supposed to pay ) so Im not understanding why they cant refund me a check for the amount that I paid for. And also they have been charging me an extra XXXX $ a month since I havent closed my refinance deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: TransferWise Ltd
State: FL

Complaint narrative:
A Wise account was opened without my knowledge or permission on XX/XX/XXXX. I was traveling on business that week and on that very day I was in XXXX. On XX/XX/XXXX I emailed Wise with my concerns, citing fraud account takeover and my Identity Theft case, They assigned a case number ( attached ) and I attempted several times to complete their instructions to confirm my identity and get me the account data and history. Even using my 6-month-old XXXX, it was not possible to get a decent resolution for my photo ID. I tried to get help from Wise again, but I only received an email with a survey format from Wise on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX at XXXX I called Wells Fargo to disbute several Non-Wells Fargo ATM Transaction Charges . I spoke with Customer Service Representative XXXX XXXX employee ID # XXXX. She said she would refund the charges I told her about. I inquired about charges prior to those I had found. She stated her records only went back XXXX months. And that I would have to provide information on each dispute going backwards. She asked how long I had lived in my area so she could get an idea how far back we needed to go. I told her I had been a customer since XX/XX/XXXX and I did not take note of the dates I had made a non-wellsfargo atm withdrawal. She put me on hold a couple of times. I presume XXXX was conversing with her superior as to what can be done. It was agreed that XXXX and I would sit together on the phone and go thru each statement of previous years looking for past atm charges. How she was all of a sudden able to go back more than XXXX months I do not know. We started the process and worked thru some statements during our XXXX minute long call. However, I was not prepared for a long phone call as I had an appointment to attend. We agreed I would call back to finish the process. I called back on XX/XX/XXXX and after describing my situation, I was referred to an individual who said they would research and get back to me. I found it interesting a question I was asked. Why was I calling. I was confused. I said to disbute the charges. I was again asked why as if I was to answer this question in the right way. Like they were looking for a specific response. I got frustrated after she asked me several times. Finally I said that I disagreed with the charges because I thought they were wrong. Apparently that satisfied the Representative. I was told to wait for a response. On XX/XX/XXXX I received an email from the XXXX. It was determined that any previous reimbursement for the atm charges are a courtesy refund and only XXXX per XXXX months is allowed. When working with XXXX and going back through statements and noting the Non-Wells Fargo ATM Transaction charges and making refunds based on what we had found during our half hour phone call was not a courtesy type situation. Had I had the time XXXX and I would have gone back as far as we could to refund the erroneous charges. Wells Fargo has closed the case. I disagree with their decision and am asking for the total of those Non-Wells Fargo ATM charges going as far back as records would allow me. Total being {$250.00}

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 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Three letters were sent On XX/XX/year>, XX/XX/year> and on XX/XX/year> requesting to validate the ownership of account and submit original contract agreement, history of payments and transfer of ownership from original creditor. Debt collector failed to submit proof. Therefore treat this as identity theft and delete unauthorized payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage will not acknowledge the Declaration sheet and XXXX XXXX XXXX paid Home Insurance Policy that we have faxed, emailed and messaged to them three times in the last 3 months. Including, utilizing their website for updating the home insurance that they provide for this specific reason. Initially, at the end of XXXX, there was a mixup in the auto pay account with our Insurance company 's autopay feature, yet it was corrected and payment went through months ago. Freedom Mortgage will not update their records with the valid Insurance Policy that was simply being renewed. They have issued an expensive, lender-placed policy that is not needed and we believe predatory when combined with their negligence to update their records. We further believe this may be in retaliation for us having removed them as the Escrow company from the Mortgage policy. XXXX receipts : XX/XX/year> XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$2100.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX 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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In the Month of XXXX my card was used to make purchases I never authorized or knew about. The charges are as follows : Multiple Disputed Charge Amounts XXXX XXXX XX/XX/XXXX, XXXX {$900.00} XXXX XXXX XX/XX/XXXX, XXXX {$530.00} XXXX XXXX XX/XX/XXXX, XXXX {$730.00} XXXX XX/XX/XXXX, XXXX {$1900.00} XXXX XX/XX/year> - {$1900.00} XXXX XX/XX/XXXX, XXXX {$1900.00} I reached out the Chase Visa Fraud dept and reported the charges within a few days of the fraud purchases. They turned off the card and issued a new card, and told me that they would remove all charges temporarily until there was a full investigation. That was more than XXXX weeks ago and they still have not removed the charges. As a result, my credit rating went down 30 % due to " heavy credit usage ''. I have reached out to Chase Via phone and secure messaging XXXX times and I get a message saying that they are looking into this or that my message has been forwarded to someone else with no resolution. This is over XXXX $ 's in charges that are completely fraudulent. Chase is refusing to allow me to speak to management or escalate the issue. I need help please. Feels like the consumer ( XXXX yr customer ) is getting the run around. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
My uncle sent me money and the money went straight to bitcoin and now it wont let me take it out or transfer money back to cashapp because I dont got a locked in number only a sms number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: McKenzie Management LLC
State: CA

Complaint narrative:
On XX/XX/year> my XXXX XXXX wallet said that my account is restricted and can not transfer funds that I already had on my XXXX XXXX wallet. I called XXXX to let them know the iss they then sent me over to XXXX XXXX XXXX to escalate my issue further and that is when they told me to give them 48 hours to look over my. After one week of not hearing back from XXXX XXXX I took the initiative to give the a call and then they explained to me that was forever banned from XXXX XXXX with no explanation or reason. I have been a loya customer with XXXX XXXX for the last 2 years and used it many times with friends and family as it makes it convenient for us to transfer and send money to each other. I demand my situation to be fura Find similar and given an explanation for my account being restricted and to be legally further looked into.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My name is XXXX XXXX, and I am writing to address an issue of inaccurate information being reported by ALLY FINCL regarding my account number XXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. The current balance on this account is {$24000.00}. Recently, I became aware that ALLY FINCL is reporting an incorrect account status on my credit report. This error is affecting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This inaccurate reporting is damaging my creditworthiness and could potentially hinder my ability to secure loans or favorable interest rates in the future. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reflected on my credit report. I have not been informed about the specific nature of the incorrect account status, and I am concerned that this could be a result of either a clerical error or a miscommunication by ALLY FINCL. To rectify this, I have attempted to contact ALLY FINCL to resolve this issue, but as of today, my efforts have been unsuccessful. I am therefore reaching out to the Consumer Financial Protection Bureau to assist me in ensuring that ALLY FINCL corrects the inaccurate account status being reported on my credit report. The harm caused by this error is significant as it impacts my ability to manage my financial health effectively. I am seeking a correction of this inaccurate information to reflect the true status of my account.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My debit card keeps declining. After I spoke with Wells Fargo customer service and their fraud team to clear up and confusions. They asked about transactions. Also I made a purchase via XXXX with a when. It included a flight for XXXX XXXX. I was charged twice. I just got back from my trip, disputed the incorrect charge after talking to XXXX. Wells Fargo declined the dispute

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
AROUND XX/XX/XXXX AND AROUND XXXX AND AROUND XXXX AND AROUND XXXX. I OPEN 4 CAPITAL ONE CREDIT CARDS ACCOUNTS THAT WERE LATER CLOSED AND 1 ACCOUNT WAS CHARGED OFF WITH NO LATE PAYMENT BUT THE OTHER 3 CLOSED PAID ACCOUNTS HAD LATE PAYMENTS DURING COVID 19 PROTECTION TIME.PERIOD FOR NO REPORTING LATE PAYMENTS. DUE TO LATE PAYMENTS THAT WERE REPORTED TO FEDERAL CREDIT BUREAU AROUND XX/XX/XXXX, AND XXXX, AND XXXX ... EVEN THOUGH A VERBAL AGREEMENT OVER THE PHONE WAS AGREED NOT TO REPORT LATE PAYMENTS ON ME SINCE I HAD JUST LOST MY BUSINESS COMPANY JOB AND NOTIFIED THEM AND WAS ALSO AFFECTED BY COVID 19. BUT LATE PAYMENTS GOT REPORTED ON ME ANYWAY EVEN THOUGH EVIDENCE SHOWS AND PROVES THAT I WAS MAKING ON TIME PAYMENTS ON ALL CREDIT CARDS ACCOUNTS UNTIL I LOST MY BUSINESS COMPANY JOB DUE TO I WAS AFFECTED AND PART OF COVID 19 PROTECTION PAY PROGRAM CARES ACT AND THE LAW THAT GOVERN THAT CREDITORS SHALL NOT REPORT ANY LATE PAYMENTS DURING THE COVID 19 CRISIS FROM VERBAL OR WRITTEN AGREEMENTS IN PLACED DURING THAT XXXX, AND XXXX, AND XXXX TIME PERIOD AND LATE PAYMENTS WERE REPORTED.ANYWAY THAT VIOLATED ME. AFTER THEN I SUFFERED AND MY CREDIT REPORTS AT ALL FEDERAL CREDIT BUREAU WERE NOW MESSED UP WITH LATE PAYMENTS AND MY CREDIT SCORE WENT DOWN AND MESS MY LIFE UP. I FILED DISPUTES DIRECTLY TO ALL FEDERAL CREDIT BUREAUS AND DIRECTLY TO CAPITAL ONE BANK CARD HOLDER ON THE PHONE AND ON LINE AND THROUGH CERTIFIED MAIL WITH SIGNED RECEIPT BUT STILL TO THIS DAY THAT HAVE NOT MERCY FIXED OR CORRECTED MY FEDERAL CREDIT REPORTS BY REMOVING ALL LATE PAYMENTS OR THAT 1 CLOSED CHARGED OFF/WRITTEN OFF {$70.00} ACCOUNTS THAT WAS PAID LATER. EVEN THOUGH THE FEDERAL COVID 19 PROTECTION PAY PROGRAM CARES ACT LAW COMMANDS AND MANDATES AND COMPELS AND GOVERNS THAT ALL CREDITORS ARE NOT TO MAKE OR REPORT ANY LATE PAYMENTS ON CONSUMERS AFFECTED AND HAVE ENTERED ANY VERBAL OR WRITTEN AGREEMENT DURING THE COVID 19 PROTECTION TIME PERIOD LIKE WE HAD SO PLEASE HELP ME GET THOSE 4 CLOSED CAPITAL ONE CREDIT CARDS 1 CHARGE OFF AND 3 LATE PAYMENTS ACCOUNTS REMOVED OR DELETED OR FIXED AT ONCE OR TO SHOW CLOSED, PAID, AND NEVER LATE ACCOUNTS DUE TO THEY VIOLATED THE COVID 19 PROTECTION PAY PROGRAM CARES ACT LAW TOWARDS A COVID 19 AFFECTED VITIM.ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: South East Collection Specialist
State: AZ

Complaint narrative:
Southeast client services said they charged fees in order to make a payment on XX/XX/XXXX when I went to their online portal. This is the only debt collection company that Ive ever heard that charges a fee to make a payment. And its not even reasonable its an almost {$12.00} fee just to make a debit card payment. And they were charging this payment fee biweekly without even telling me I could do monthly payments instead, I had to call and ask this after on XX/XX/XXXX after already speaking to them on the phone the same day ( XX/XX/XXXX ).

Company response to consumer: Untimely response