vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My son was arrested for XXXX early on Sunday XX/XX/XXXX. I got a call around XXXX from someone pretending to be the county sheriffs office who sent me his mug shot and arrest info and informed me that I needed to pay certain fees for him to be released. I dont have much knowledge of this kind of thing. I asked questions but they had an answer for everything. They said I could pay XXXX XXXX or XXXX. I ended up making XXXX transactions. XXXX XXXX XXXX and XXXX XXXX. Totally {$2700.00}. All of them were pending when I realized it was a scam. I called my bank Wells Fargo and explained the situation. All of the transactions were pending and I asked for them to be canceled and not paid, and filed claims with WF for all of them. I got no communication, emails about it. I logged on days later to check and found the charges went through and my claims of fraud and reimbursement were all declined. I called WF immediately and there were no notes about the decision or why it had been made for the representative to refer to. I asked to speak to a manager, he pushed my claims to a higher level which were also declined with no documentation. I wasnt called. Im filing this claim because thats bad business. I had called XXXX XXXX  bank who handles XXXX XXXX, on XX/XX/XXXX, the day of the fraud, and they told me to call WF since the transactions were handled through my bank account. WF told me to call XXXXXXXX XXXX  bank. I filed a complaint with the FTC as well. My understanding is that banks are insured so that the customer can have faith that issues like this can be resolved. I was the victim of a horrible scam at a time when I was desperate. I shouldnt have to eat this loss. I was told everything was declined an not able to be recovered, but I do showing my bank a {$700.00} deposit reversal for XXXX of the transactions. If the my can reverse one, why not the other 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 monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I, the authorized account holder, gave permission for my son to deposit cash at a local M & T Bank ATM machine with my debit card on XX/XX/XXXX. ATM machine retained {$1100.00} in cash, seized debit card and did not provide a receipt from an authorized deposit. Checked online account immediately and no proof of transaction noted. I, the account holder and my son went physically in the bank branch to report transaction error right after it had occurred. Spoke to one of the tellers who returned by debit card, started a claim investigation and a provisional credit made to my account for {$1100.00}. The Bank later contacted me to let me know that I will have to replace my exisiting debit card and the old debit card had been cancelled. On XX/XX/XXXX, letter received that provisional credit was reversed and claimed denied. Contacted the M & T XXXXXXXX XXXX XXXXXXXX to file an appeal to determine status of funds since bank accepted the cash.

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 monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I had my money in Savings. I woke Up to XXXX XXXX $ being spent out my account. I call both companies to tell them it was not me and i can prove it. they still denied my request for a refund or solution. I filed a Police Report for theft. I hope this gets resolved soon i Really needed this money. They Asked me to Provide Evidence And i have Done So. My personal Bank Did give me Credits for about XXXX $ But Cash App and Bet XXXX Has Taken All my money and can not provide an explanation as to why I someone who did not authorized that transaction to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of robbery when I was traveling on public transport. They stole all my documents, bank cards and all my personal belongings including my phone. The thieves made fraud in my bank account. At that time I did not have access to my few because I did not have my phone. Then the bank sends me a letter saying that it had rejected a check for fraud but I explained to them that I had not made any deposit and I explained to them what happened to me but they told me that they had already made a report with checksystem And that I took care of arranging with them to solve my problem but they did not solve it and then they told me that early warning system had blocked my taxpayer account so that I could not open my account again Now I'm doing this so I can have my bank account again because I tried to open a new one and they denied me for the same reason that happened with me in the past

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
b'To Whom It May Concern, I am writing in response to your recent communication regarding the debt referenced below. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g). Please provide the following: 1. The amount of the alleged debt, including an itemized breakdown 2. The name and address of the original creditor 3. Copies of any contract, agreement, or application bearing my signature 4. Proof that you are legally authorized to collect this debt 5. The date of the alleged delinquency and last payment 6. Documentation showing this debt was transferred or assigned to your agency Until this information is provided, please cease all collection activity, including reporting this account to any credit reporting agency. This request is not an acknowledgment of any debt nor a promise to pay. If you are unable to validate the debt, you must remove it from my credit report and cease further contact. Please respond in writing only. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I bank with Wells Fargo. When I lived with my adult daughter, XXXX XXXX, I saw she got mail from Wells Fargo for a joint account in my and her 's name at the end of XXXX. I asked her about it and she said it was from her teen account that I was on that we closed in XXXX. I highly doubt she's getting statements from an account closed XXXX  years prior. My daughter stole my birth certificate and someone stole my identity. I suspect the mail was concerning an account she opened with the person who stole my identity. I've asked Wells Fargo multiple times about this account over the past year ( I can't remember dates ) and the deny it exists. Also, I called Wells Fargo XX/XX/XXXX to speak to a banker. The banker asked for my debit card number and online banking username to confirm my account and I refused to give it to them. I chatted WF on XXXX but refused to give them information because I no longer trust them with my personal information after they asked for my username.

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 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX received mail at my home address noting I had a current balance due for a target circle card that I did not open or ever use. It noted purchases made on XX/XX/XXXX that are not my purchases. I am attempted to report and have this removed from my Credit history and information and this is out right fraud and delinquent use of my information without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicing Solutions, LLC
State: RI

Complaint narrative:
No validation of debt mailed threats for full payment wrong PayPal as the Creditor Fraudulent fix after reporting wrong information wrong payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage is serviced by Mr. Cooper. Since they were " powered by XXXX XXXX  '' I can not access my loan online. I was required to change my username to my email address, which I did. No matter what I do, nor how many times I change my password, I can not access the account. Nor can I reach anybody through their myriad customer service numbers for help. It asks me for my Social Security and then to verify for my loan number. I don't have my loan number because I do everything online and I can't access my account! It is a nightmare. All I want to do is access my account, which up until last month was never a problem. There seems to be no accountability whatsoever, no way to get past their AI-powered infinite loops, and it's maddening. This is the absolute worst customer service experience I have ever encountered. It seems designed to prevent any interaction with customers - at all. All calls get routed to the same message and the same protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
My mother passed away on XX/XX/XXXX, she has an IRA with Huntington Bank in XXXX Michigan, total balance just over XXXX dollars, I am one of 4 beneficiaries, due to the small amount of my portion, I requested the total balance to close out the account and pay the taxes, my sister already gave Huntington Bank the death certificate, I provided the proof of identity they asked for, my first email to XXXX XXXX XXXX was sent on XX/XX/XXXX, he never responded, per my sister, several messages were left with him and he never returned calls and never responded to emails, his manager, XXXX XXXX was also spoken to with no results. I sent a second email to XXXX with the same required information on XX/XX/XXXX and still no response. So in not knowing what else to do, I am reaching out to you for help in this matter. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
Never received a thing from this company non stop phone calls to family members and myself. Reporting twice on my credit report. One for {$1200.00} and one for {$1100.00}. Company has not provided a thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NE

Complaint narrative:
My Identity was stolen How & Why do I owe the few complaints on my report and why doesn't the credit bureaus ever respond back very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am filing a complaint regarding an unresolved travel insurance claim associated with my JetBlue Mastercard. The claim is administered by XXXX. 

I filed this claim in XX/XX/year> for a non-refundable JetBlue Vacations package that could not be used because the resort ( XXXX XXXX XXXX  XXXX, XXXX ) was closed due to hurricane damage. The travel dates were XXXX XXXX XXXX, XXXX. 

All requested documentation was submitted by XXXX XXXX, including proof of purchase, itinerary, proof of resort closure, and a written letter from JetBlue XXXX  confirming that the trip was cancelled due to weather and that no credit or reimbursement was issued. 

Despite providing all required documentation, XXXX has not issued a determination and continues to delay processing the claim while requesting documentation that has already been provided. There is no additional documentation available. 

I am requesting CFPB assistance to require the issuer and claims administrator to either approve the claim under the travel protection benefit or provide a formal written determination without further delay.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. 

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I disputed an alleged debt with Contract Callers, Inc. and requested lawful verification. In response, the company provided only a billing statement and a final bill, which did not establish consumer authorization, service delivery, accuracy of the balance, or authority to collect. 

In its response, Contract Callers , Inc. admitted that verification of the debt remains pending and has not yet been received from the creditor. Despite this admission, the company maintains the account in a reportable status and asserts that reporting is permissible while verification is incomplete. 

Additionally, Contract Callers , Inc. has not demonstrated that it is properly licensed or authorized to collect consumer debt in the State of New Jersey as required by the New Jersey Consumer Finance Licensing Act ( N.J.S.A. 17:11C-1 et seq. ). Public licensing records reviewed by the consumer do not reflect active New Jersey authority to collect debt. When licensing was challenged, the company asserted compliance but did not produce New Jersey-specific licensing documentation. 

Under New Jersey law and federal consumer protection standards, a debt collector must be properly licensed and must establish lawful authority before engaging in collection or furnishing activity. Re-sending billing statements or a final bill does not cure the absence of completed verification or demonstrated licensing authority. 

I am requesting regulatory review to ensure compliance with federal law and New Jersey consumer protection statutes, including debt collection licensing and accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I didn't know the account went into collections. The company XXXXecurity Credit Services LLC did not contact or communicate with me to collect this dept. Instead, they go straight into litigation. I go to court XX/XX/XXXX this is not fair. I would've put them into debt consolidation. This company did not give me a chance to do this. When I tried to add them on to debt consolidation by this account going to court I can't do it now. This is not fair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute of the alleged debt associated with Account Number XXXX, which you claim carries a balance of {$1300.00}. I do not acknowledge this debt, and under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am demanding full and complete validation.

Your prior responses have failed to provide documentation proving that Midland Credit Management legally owns this account or has the right to collect on it.

You are required to provide the following documentation : Chain of Assignment / Transfer Sequence Complete bill of sale and all intermediary transfer documents Identification of this account in the transfer file Forward Flow Agreement/ Purchase Contract The agreement governing the sale of accounts acquired in that portfolio Documentation showing this specific account was included Securitization Details Whether the account was securitized prior to charge-off Trust name, pooling & servicing agreement, and custodian information Proof that Midland acquired legal ownership and clear title Double-Entry Accounting Records Original creditor ledger showing charge-off All accounting entries leading to the alleged balance Midlands ledger documenting acquisition and valuation Signed Contract or Agreement Any agreement bearing my signature Not generic terms or unsigned cardmember agreements Proof of Legal Right to Collect Licensing and authority to collect in my state Complete itemization of principal, interest, fees, and adjustments Until proper validation is provided, you are required to cease all collection efforts, including credit reporting. Reporting unverifiable information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This is not a refusal to pay ; it is a demand for proper verification.

Provide all requested documents electronically. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Purchased a XXXXXXXX XXXX  American Express debit gift card. Attempted to use it at 6 different merchants and it declines at every single place whether in store or online

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
A collection agency is reporting an account on my XXXX  credit report with a materially inaccurate balance and incorrect creditor information. 

I believe the original balance owed was approximately {$1100.00}. The collection agency is reporting a balance of {$2300.00} without providing documentation or itemization explaining how this amount was calculated. 

Additionally, the collection agency is incorrectly listing itself as the original creditor, which is inaccurate and misleading. The agency did not originate this debt and has not provided proof that it is the original creditor or has legal authority to add interest or fees. 

I have disputed this account due to inaccurate balance and creditor identity. The information being reported is not verifiable and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act. 

I am requesting that this inaccurate tradeline be removed from my credit report or that the company provide full validation, including the original contract and an itemized breakdown of the balance. 

At this time, no documentation has been provided to justify the inflated balance or the incorrect creditor designation.

Company response to consumer: Closed with explanation