vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just want to know why a third party deducted money from my card without my authorization! And why won't the bank refund the money? I have all the supporting documents!

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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND NEEDS TO BE DELETED ASAP CREDENCE RESOURCES MANAGEMENT BALANCE {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: CT

Complaint narrative:
I contacted Gitmeid Law seeking assistance with consolidating my credit card debt. During my initial consultation, I was informed that the firm would work with my credit card companies to lower my balances and that I would make a monthly payment into a dedicated account until the debts were settled. 

At no point during the consultation or enrollment process was I clearly informed that my credit card accounts would be allowed to become delinquent or that late payments would be reported to the credit bureaus as part of this program. I was not advised that participation would negatively impact my credit report through late payments, charge-offs, or collections. 

After enrolling and later noticing late payments appearing on my credit report, I contacted Gitmeid Law for clarification. I was then informed that late payments are part of the process and that they do not remove or prevent negative credit reporting. This information was not clearly or adequately disclosed to me prior to enrollment. 

Had I been properly informed of the significant credit consequences, I would have reconsidered enrolling or explored alternative options such as credit counseling or creditor hardship programs. I feel that Gitmeid Law failed to provide transparent and complete disclosures regarding the risks and credit impact of their debt settlement program. 

I am requesting that this matter be reviewed for misleading or insufficient disclosures related to debt settlement services and that Gitmeid Law be required to clearly disclose credit reporting consequences to consumers before enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
Could not use my checking account due to a telecheck alert

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
1st my email listed on my PayPal account is XXXX In XXXX my kids dad almost killed me during the time I was in the hospital he stole all my bank information, all financial passwords, all my card numbers and when I got out I had to report unauthorized activity on one of my accounts because my linked my card to my PayPal account after adding his email and phone number and sent money from my card to an account he has had i was unaware of. Paypal wanted information to confirm my identity but then they suddenly closed my account AFTER the XXXX XXXX sent me {$200.00} for my deposit on a place because my house burnt down on XX/XX/2026 so obviously I need my disaster assistance money now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I'm filing this complaint due to fraudulent activity. I called XXXX XXXX XXXX back in XXXX of XXXX to get some information about their medical billing and coding courses and If I could qualify for financial aid if I decided to attend. When I was talking to XXXX, of the enrollment department I told her that the only way I could attend was if I qualified for financial aid because I couldn't afford to have a loan payment. I'm a stay-at-home mom. My son is Autistic, which makes it harder to get a job because I don't have the help to go to work. She told me that I qualified for financial aid because I was low income, and I wouldn't have to worry about loan payments, so I went through with enrollment. She talked me through the process of filling out the financial aid forms, which was all done on XXXX XXXX XXXX 's XXXX XXXX. There was never a discussion about a loan, let alone four. I had no knowledge of there even being a student loan until nine months after I graduated. I didn't even know who my loan company was until the other day XX/XX/XXXX. I have no proof of this loan. I didn't know the amount of the loan or how much the payments were for. All I ever got was the schools finance department calling me nonstop. I don't even know how I got approved for one loan, let alone four. My credit score is horrible. I can't get a credit card or a personal loan due to lack of credit and income. I had to have my mother cosign for my car. The school called Friday XX/XX/XXXX telling me that I am XXXX XXXX and something days behind on my student loan and that it will be in default. I told the lady that I had no knowledge of any student loan and that I was supposed to be getting financial aid. She wouldn't listen and kept going on about payment arrangements. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, because thanks to XXXX XXXX XXXX who claimed that they would find me the perfect job that fit me. I have my associates in medical billing and the ended up with a job making XXXX bucks an hour, plus the job they described to me wasn't the job I ended up getting. My whole reason for going back to school was so I could provide better for my kids and find a remote job, and that school failed me, in more ways than one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
On XX/XX/year>, Facebank International Corporation abruptly closed my account alleging transactions outside my profile and immediately withheld/restricted my funds, preventing me from accessing my own money. At the moment of closure, my account balance was USD {$1300.00}. 
After the unilateral cl

osure, Facebank charged a {$35.00} account closure fee, despite the bank initiating the closure while restricting access to my funds. In order to recover my money, I attempted to withdraw my remaining funds by initiating two wire transfer requests ( XXXX-type/domestic wire ). Facebank
rejected/failed to process both wire requests without providing valid evidence that the wires were executed or transmitted to the beneficiary banks. Facebank did not provide any wire trace documentation or reference data ( e.g., XXXX  reference / XXXX  / XXXX  or equivalent ). There was no evidence that the beneficiary banks received any incoming transfer attempt. 
Despite not executing these wire transfers, Facebank charged {$30.00} for each failed wire request ( XXXX x {$30.00} = {$60.00} ). 
As of today, Facebank continues to withhold my funds. My remaining withheld balance is USD {$1200.00}, after Facebank deducted a total of {$95.00} in fees ( {$35.00} closure fee + {$60.00} wire fees ). 
Facebank continues to insist that the only way for me to receive my funds is through a U.S.-only check, even though I reside in XXXX, which imposes additional costs, delays, and practical difficulty to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
This account is not mine I need them to stop trying to collect this and I need accurate reporting on my credit report. This needs to be deleted NOW!! 

SOURCE RECEIVABLES MANAGEMENT BALANCE {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Account No : XXXX Original Creditor : XXXXXXXX XXXX XXXX  NOTICE TO CEASE COMMUNICATION FDCPA 15 U.S.C. 1692c ( c ) To XXXX XXXX XXXX XXXX XXXX This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

You are hereby notified to CEASE AND DESIST all communication with me regarding the above-referenced account. This includes, but is not limited to, telephone calls, text messages, emails, letters, third-party contact, and any further attempts to collect or discuss this alleged debt. 

You may only contact me again for one of the following reasons as permitted by law : 1. To advise that you are terminating collection efforts ; or 2. To notify me that you intend to invoke a specific legal remedy.

Any further communication beyond these two exceptions will constitute a knowing and willful violation of federal law and will be documented as evidence.

If you continue to report this account to any consumer reporting agency while collection activity is prohibited, you will also be in violation of 15 U.S.C. 1692e and 1692f.

This is not a refusal to pay. This is a lawful demand that you cease communication. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was a victim of identity theft since 2011, my identity has been used in various ways to steal my information. I am asking you to remove all negative information regarding banking, fraudulent checks, All negative reports about bank accounts or financial tech companies under the Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This account is not mine and is hurting my credit score Transworld Systems XXXX - {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Coinbase and its failure to allow me access to my digital assets. 

Approximately ten days ago, I transferred XXXX ( XXXX ) from XXXX XXXX to my Coinbase account. The transfer was successful, and the funds are fully settled and visible in my account. This was not a bank-funded transaction and should not be subject to any holding period. 

Despite this, Coinbase has XXXX the ability to send XXXX, displaying a Send unavailable message. I have contacted Coinbase support multiple times since XX/XX/year>. Each time, I was assured the issue would be resolved within 24 hours. It has not been resolved. 

Coinbase has failed to : - Disclose the reason for restricting access to my funds - State whether this is a compliance review, technical issue, or wallet restriction - Provide any written explanation or resolution timeline As a result, Coinbase is effectively preventing me from using or transferring my own digital assets without justification or transparency. 

I am requesting that Coinbase be required to : 1. Provide a written explanation for the restriction, and 2. Restore full access to my XXXX or provide a clear and reasonable resolution timeframe. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this complaint against MOHELA and the credit reporting agencies ( XXXX XXXX XXXX ) for the inaccurate and damaging reporting of a 120-day late payment on my federal student loanan account that is not only in dispute, but also under review for PSLF forgiveness , and previously shown as current and in good standing as recently as XX/XX/XXXXXXXX  ( XXXX  report , Score : XXXX ). 
On XX/XX/XXXX, I formally notified MOHELA of my financial hardship following XXXX Disaster Declaration XXXX, explaining losses to my business. I requested removal of prior late marks ( which were then removed ), and I reiterated that I had applied for PSLF on XX/XX/XXXX, listing two qualifying employers. One of them, The XXXX for XXXX XXXX, certified employment dating back to XX/XX/XXXX, totaling 80+ qualifying payments. The other, XXXX XXXX XXXX Police Department, certified my 14+ years of public service ( XXXX ) in XX/XX/XXXX. 
Combined, these records confirm eligibility for PSLF under both the standard and limited waiver guidance. Further, StudentAid.gov reflects 197 qualifying payments. My loans were consolidated in XX/XX/XXXX, placing them within the appropriate window for adjustment. 
Nevertheless, in XX/XX/XXXX, my credit reports took a severe hit. On XXXX, my score dropped from XXXX  to XXXX, and the loan now falsely reflects late 120149 days. Similarly, XXXX  now reports a score of XXXX and reflects late payment status. This is not only inaccurate, but is disputed due to PSLF eligibility and hardship communications. 
I have uploaded my XX/XX/XXXX hardship letter, PSLF application dated XX/XX/XXXX, MOHELAs receipt of said application on XX/XX/XXXX, PSLF/TEPSLF Status Report dated XXXX, and the most recent billing statement showing this contradiction. Additionally, I have screenshots of my XX/XX/XXXXXXXX  XXXX XXXX XXXX showing the account as Current and late marks as XXXX. Just three days later, it was inexplicably reported as 120+ days late.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filling a complaint against cash app ( Block inc, Due to inadequate customer service and unfair practices, Which violates the consumer Financial protection Act ( CFPA ) specifically. cash app failed to take timely and effective measures to prevent and address, fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund fund transfer Act ( EFTA ) and regulation E These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to check in at a hotel reservation with XXXX by XXXX XXXX XXXX XXXX XXXX ( confirmation number XXXX ) At approximately XXXX XXXX the hotel ran my card, and the transaction showed approved and pending with my bank. 

Shortly afterward, the front desk informed me that there was a processing error on the hotels end and that the transaction would need to be run again. The hotel admitted that they had placed an incorrect authorization amount ( approximately {$240.00} {$250.00}, higher than the actual nightly rate of ~ {$200.00} ), which they acknowledged was a mistake. 

Because I didn't have sufficient funds to authorize another XXXX XXXXXXXX & the hotel required an additional authorization due solely to their internal error, the property refused to allow me to stay. Despite having a confirmed reservation and full intention to stay, I was denied lodging and ultimately forced to sleep in my vehicle, late at night and during heavy rain. 

Hotel staff further stated that because I could not reauthorize an additional amount caused by their error, they were required to apply a cancellation fee, despite the cancellation not being voluntary and no services being rendered. 

I was explicitly told by hotel staff that the authorization hold would be released within a few days. As of XX/XX/year>, the authorization funds have not been returned, despite repeated attempts to contact the hotel and requests for managerial assistance. 

Because the transaction remains pending, I am currently unable to formally dispute the charge with my bank, leaving my funds inaccessible with no resolution.

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 2026-01-11 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: CA

Complaint narrative:
I have been with Chime, LLC for XXXX months. 

During that period I have been lied to, hung up on repeatedly by Supervisors in Chime 's employ, hung up on by Member services repeatedly, I have been scolded, told my opinions of service issues are offensive, I have repeatedly requested to file formal complaints and been utterly ignored, asked to be accommodated repeatedly as a XXXX American and been either verbally denied or simply denied by omission and/or disregard of repeated requests, repeatedly told info is sent to my email and when checked there is NO INFO available, Chime, XXXX has refused to contact a scam website and every time I have requested them to contact the suspect website they refuse, Chime then tells me I must wait until XXXX to get my " scammed '' funds back, the rudeness and dismissiveness of the Member Services people is a travesty, and Customer Service IS NOT US based and when I inquire about my concerns, as usual as with most requests for info from Chime, LLC I am denied any reasonable answers, THIS IS THE FIRST TIME IN MORE THAN 20 YEARS OF BEING A XXXX AMERICAN THAT I HAVE REQUESTED AN ACCOMODATION FROM ANYONE ANYWHERE! The response from Chime is literally chilling ... they either deny your request or simply ignore and talk over you, this has gone on for months and nothing changes, I have mentioned that XXXX is the law of the land and NO RESPONSE is Chime 's answer. They do this with impunity and without fear of anyone holding them accountable! There is much more but I am sure I have listed more than enough issues here for you to investigate. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: CA

Complaint narrative:
This complaint is a follow-up to CFPB Complaint No. XXXX, which has been closed. 

After my prior complaint was filed, on XX/XX/year>, I issued payment of the {$490.00} disposition fee. I then disputed the charge with my credit card issuer on the grounds of misrepresentation and that I was charged when I was expected not to be. On XX/XX/year>, my card issuer resolved the dispute in my favor and permanently credited the full {$490.00}. This was a final chargeback decision. 

Despite this resolution, XXXX XXXX XXXX has continued to treat the balance as unpaid. XXXX has sent billing and collection correspondence and has directed me to its Recovery Department as though no payment, dispute, or chargeback resolution ever occurred. 

Critically, XXXX XXXX XXXX has refused to engage with me on the merits of the issue in writing. When I provided written notice of the payment, dispute, and final chargeback outcome through XXXX online portal, XXXX did not address any of those facts and instead instructed me to call Recovery. XXXX has made no effort to communicate substantively in writing or to correct its records. 

At the same time, XXXX sent a collection letter stating that it had attempted to contact me by mail prior to escalation. That statement is misleading. No such attempts were made other than the continued issuance of billing and collection notices. XXXX has not attempted to resolve the issue, respond to the substance of my dispute, or acknowledge the chargeback outcome, while continuing to send bills and collection communications. 

XXXX conduct reflects ongoing improper account handling after a final dispute resolution, including continued billing, refusal to address the dispute in writing, and misleading representations about prior contact attempts. I am requesting that XXXX XXXX XXXX correct its records to reflect the chargeback resolution, cease all billing and collection activity related to this matter, and confirm that no adverse credit reporting has occurred or will occur.

Company response to consumer: Closed with explanation