vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year> and again in XX/XX/year> I attempted to make incoming wire transfer to a checking account and a savings account at Wells Fargo Bank. Both the sending accounts and receiving accounts are in my name complete with my identity information. Both times the Wells Fargo Bank rejected and reversed the wire transfers. Th Wells Fargo Bank is illegally preventing incoming wire transfers from international countries and I am suffering financial poverty because of their actions.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I opened an account with wells fargo to cash a bankers draft check i received from XXXX for selling my vehicle. I submitted direct deposit information for my XXXX XXXX XXXXXXXX which started in XXXX. I inquired about the XXXX sign-on bonus with the teller I opened the account with and was told I should receive it after XXXX of deposits of at least XXXX or more in qualifying direct deposit. I have met all the requirements of the bonus and still have not received any such bonus. I'm going on 180 days of banking with wells fargo and have called and visited wells fargo bank on several occasions and was told they will submit an email to review the account and they would get back to me. I called to check on the status of the review and they said they can not find any such request. my bank account is now overdrawn and I have had another month of financial hardship due to vehicle purchase and maintenance on used vehicle. I'm only asking for what was promised to me when I switched bank accounts from XXXX to wells fargo back in XXXX. XXXX signing bonus for opening a new account as promised by the original teller who opened the account for me in the XXXX, WA branch location on XX/XX/XXXX of 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 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I am filing this formal complaint because MOHELA has engaged in systematic accounting failures, unrecorded financial transactions, and ongoing administrative obfuscation regarding my student loan account. Despite my making a series of massive lump-sum payments to completely retire my debt, MOHELAs failure to accurately track interest accrual under the SAVE plan forbearance has resulted in a chaotic ledger. My detailed personal records and bank statements confirm that MOHELA currently holds an estimated {$15000.00} to {$16000.00} of my overpayments due to incorrectly accrued interest during the SAVE forbearance period, and potentially more due to accounting mismanagement. For over one year, MOHELA has subjected me to a cycle of moving deadlines and deceptive business practices, requiring a total of over 5 hours speaking with their representatives, and resulting in MOHELA missing their own provided deadlines for resolution no fewer than 7 times. When I requested any internal documentation from MOHELA regarding this ongoing case, I was told it was against corporate policy to provide those records. The latest deadline MOHELA provided, XX/XX/year>, has since passed with no resolution. In attached documentation, please find ( 1 ) Timeline of Events and Servicer Misconduct, ( 2 ) Core Financial Discrepancies & Accounting Failures, ( 3 ) Explicit Refusal of Transparency and Deficient Documentation, and ( 4 ) Requested Remedy.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 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: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, my account was compromised, resulting in an unauthorized fraudulent debit card transaction at XXXX for exactly {$500.00} at XXXX AM XXXX. Immediately following this initial breach, at XXXX AM XXXX, the bad actor made XXXX additional consecutive, rapid-fire attempts to pull more funds from my account. Despite this clear, textbook pattern of rapid-fire fraudulent activity, the companys automated security systems completely failed to flag, block, or halt the compromise.I immediately contacted the company via phone and in-app chat to report this severe security breach and log a formal Notice of XXXX under XXXX XXXX XXXX ( XXXX CFR XXXX ). I also took immediate personal action to protect my account by locking my debit card and permanently deactivating the compromised card number through the application.Additionally, I contacted the merchant, XXXX, to stop the transaction while it was in a " pending '' status. XXXX 's fraud department explicitly confirmed that no such transaction or order exists in their retail system, proving that the merchant billing data displayed by the financial institution is inaccurate, masked, or fraudulent.Despite being notified multiple times that the merchant can not locate the transaction and that an active multi-attempt breach occurred, the companys support managers repeatedly refused to escalate the issue to their fraud unit or take protective action. Instead, multiple support managers closed my internal complaints using identical, pre-written copy-paste scripts. They refused to provide a provisional credit or place a merchant block on the attacker, and instead instructed me to wait until XX/XX/year>, causing severe financial distress.By allowing rapid-fire unauthorized transactions, utilizing inaccurate merchant data, and summarily closing a documented fraud report without initiating a proper investigation or offering a path to immediate provisional relief for a major account breach, the company has shown a severe lack of consumer fund protection and financial negligence.I am requesting that the company be compelled to immediately investigate this unauthorized electronic fund transfer under XXXX XXXX, fast-track the dispute the moment the hold updates, and issue an immediate provisional credit for the stolen {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc.
State: TX

Complaint narrative:
I had an account with the internet company XXXX for a year or XXXX in XXXX Alaska. I had their fastest internet and XXXX phone lines paying around {$250.00} a month. On XX/XX/XXXX I called them and spoke with a female customer service rep who. I called to cancel my account and services and clear any bills I may have. Me and my family were leaving Alaska end of XXXX and moving to XXXX Texas. That is where I am currently residing. The lady I spoke to said she will cancel and close the account and because I was already in a new billing period I would only pay a prorated amount for those few days. We ended the conversation after that. A couple days later around XX/XX/XXXX or XXXX XXXX I called again while I was on XXXX XXXX in XXXX as I was driving to Texas from Alaska. I spoke with a different rep this time and he said that they don't do prorated amounts. I would have to pay the full amount. I told him that the last rep told me it would only be a prorated amount not the whole thing. I asked him if I can speak to a XXXX and if their calls were recorded. He said their calls are recorded and they will listen to the call and work with a XXXX to see what they can do. I didn't disagree to pay my bill but just wanted to make sure if I can pay less I utilize that. We ended the call on terms that management will reach out after listening to the initial call and let me know what will happen next. I got busy with my move and never received a call, email, text, or letter regarding anything after that from XXXX. I verified the call dates and notes with an employee on XX/XX/XXXX when I tried to verify the debt, notice of debt sent out, or even speak to someone to dispute it. After speaking with a few different reps no one would allow me to dispute it or speak to the appropriate person in the company. They directed me to the third party collection agency who then also won't allow me to dispute or anything and said they only collect payment. I asked for verification of debt and they said they will send something to XXXX but never did and I didn ; XXXX recieve anything. Instead of following up with me like they said they charged me more than a months payment and sent it to collection without proper notice and never attempted to reach me. I only saw there was a collection from them because recently I was going to apply for something and checked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
XXXX XXXX Dates XX/XX/year> Amount {$1100.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX I am contacting you regarding an account associated with my information that I did not open or authorize. I am requesting that this account be immediately investigated, closed, and removed from your records as fraudulent activity. Please provide confirmation once the account has been deleted/closed and advise me of any additional steps or documentation needed to resolve this matter. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My FHA loan with Freedom Mortgage was paid in full on XX/XX/2026 following a home sale. Today, XX/XX/XXXX, marks the XXXX legal deadline under RESPA for the return of my escrow funds [ XXXX ]. Freedom Mortgage representatives have admitted on the phone that they owe me an escrow refund of {$910.00}, which still shows as an active balance on my dashboard, in addition to a previously claimed {$550.00} check that Freedom Mortgage claims to have mailed on XX/XX/XXXX to my new address. I have not received that check. They refuse to provide a date for when this {$910.00} check will be issued or mailed. Freedom Mortgage is currently violating federal escrow refund timelines [ 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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I do not know this company or had ever benefited from it. This is total fraud. I dont know whos allowing this. Remove this fraudulent and unauthorized charges from my credit report. Its affecting my personal life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I am writing to formally document and escalate a serious issue regarding an unauthorized insurance payment that was taken from our escrow account without our consent. Prior to our XX/XX/XXXX closing, we were reviewing quotes from two separate insurance companies. We ultimately selected and fully prepaid our elected homeowners insurance policy at closing. The alternate insurance company which we did NOT choose issued us a cancellation notice confirming that the policy was cancelled. Despite this, the incorrect insurance company remained listed in Chases system. On XX/XX/XXXX, we received notice stating that an insurance premium was owed. I immediately contacted Chase on XX/XX/XXXX to explain the situation in detail, including : * The existence of two potential insurance carriers during closing * That the correct policy had already been fully paid at closing * That the alternate policy had been cancelled * That the insurance information Chase had on file was incorrect During that call, Chase informed us that the payment had already been processed, but assured us the matter would be clawed back within XXXX hours. On XXXX XX/XX/XXXX, we submitted : * The correct active insurance policy * The cancellation notice from the incorrect insurance company However, on XX/XX/XXXX, we received confirmation that Chase had still issued payment from our escrow account : Date Paid : XX/XX/XXXX Amount Paid : {$3700.00} After not receiving any refund or update, we contacted Chase again on XX/XX/XXXX. At that time, representatives confirmed that they had updated our account with the correct insurance company, but that the check sent to the WRONG insurance company had already been cashed on XX/XX/XXXX. We were then told to contact the insurance company directly, despite the fact that : 1. This payment should never have been issued in the first place 2. Chase had already been notified of the error before the payment cleared 3. The funds were removed from our escrow account without our authorization or consent We have attempted to contact the insurance company directly multiple times and have received no response. We have also attempted to contact the insurance broker involved in the original process and have likewise received no response. This situation is completely unacceptable. We relied on both Chase and the insurance broker to ensure that the correct policy information was maintained and that escrow funds were handled appropriately. Instead, an unauthorized payment was issued and allowed to clear even after the error was formally reported and supporting documentation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint regarding the closure of my Citi credit card account despite the account being paid in full and in good standing. I first became aware that the account had been closed after noticing a drop in my credit score in early XX/XX/year>. On XX/XX/year>, I contacted Citi to determine the cause and was informed the account had been closed due to inactivity. The closure significantly harmed my credit profile by reducing my available revolving credit and negatively impacting my credit utilization and credit score. During my call with Citi on XX/XX/year>, I requested clarification and possible reinstatement of the account. Citi representatives ( XXXX ) informed me that reconsideration would require a credit inquiry, but they refused to clearly disclose important information regarding that inquiry, including : Which credit bureau would be accessed ( as I keep my reports frozen for safety ) Whether the inquiry would be a hard or soft pull I believe consumers should be clearly informed before consenting to a credit inquiry, especially after an account closure initiated by the creditor despite no delinquency or outstanding balance. Again, the account had no balance owed at the time of closure. I was not given meaningful warning that the account would be closed due to inactivity, and had I been properly informed I would have resumed use of the card. Further more this is the second time Citi has closed an account without warning impacting my credit.

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 2026-05-20 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/year>, a charge of {$250.00} for a XXXX XXXX XXXX was made via my XXXX XXXX credit card, ( funded by Synchrony ) online at XXXX. Upon receiving my statement ( when I first became aware of the charge ), I immediately reported fraud and requested to close the account. Although I asked to close the account, Synchrony still issued a replacement. They conducted a fraud compliant and found that I allegedly purchased, authorized and benefitted from this purchase, all which is not true. Since XX/XX/year>, I have contacted both XXXX and Synchrony and have been in 5 fraud compliants which keep bringing back the same decision. XXXX states I ordered it so Synchrony is holding me responsible for something I never knew existed. I finally spoke with an XXXX representative last week and she has dealt with this in the past and communicated to me that apparently someone stole my identity, purchased the card and spent it before I knew it ever happened. She said I should file an identity fraud compliant. She was able to send me the alleged gift card that I never received and had been asking for since last XXXX. Obviously when I received it, there was a {$0.00} balance and they can not track where it was used. Again, not by me.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I made a cash deposit at a Citi Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX accepted my cash deposit, but the funds were never credited to my account. The deposit amount was {$1400.00}. I waited for the transaction to post, but after 7 days, my account balance has still not been updated. I contacted Citi Bank customer service and reported the issue, but the deposit has not been resolved and I have not received the missing funds. I was not provided a clear resolution or credit for the missing deposit. I am requesting : * A full investigation of the ATM deposit * Immediate credit of the missing funds * Written explanation of what happened to the deposit This situation is causing financial inconvenience and needs to be resolved as soon as possible. I request that this matter be escalated as an ATM cash handling error and resolved promptly in accordance with federal consumer banking regulations.

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 2026-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brock & Scott, PLLC
State: NJ

Complaint narrative:
Brock & Scott , PLLC repeatedly identified itself to me as a debt collector under the FDCPA while actively pursuing collection and foreclosure activity relating to an alleged mortgage debt. The firm continued attempting to collect and enforce the debt despite repeated formal disputes and repeated requests for verification of lawful ownership and authority to collect. I requested documentation establishing lawful ownership and authority to collect the alleged debt, including assignment/transfer history, proof of possession or holder status, chain-of-custody records, and authentication documentation relating to the Assignment of Mortgage and XXXX relied upon in foreclosure proceedings. The firm did not provide the requested documentation. Instead, it continued relying on disputed instruments and continued foreclosure enforcement activity while representing itself as a debt collector attempting to collect the debt. The issues concerning ownership and authority remain actively disputed across multiple proceedings, including foreclosure litigation, appellate proceedings, CFPB proceedings, and pending federal litigation. XXXX XXXX itself represented to the CFPB that it was still working on substantiating ownership and authority issues and required additional time to provide a final response. Despite this, Brock & Scott continued collection and foreclosure enforcement activity and continued making representations concerning the debt and authority to collect without providing competent verification responsive to the disputes and document demands that were served upon them. The firm has also continued relying on instruments and standing assertions that remain materially disputed and unsupported despite repeated formal notice, preservation demands, and requests for verification. In addition, government agency responses obtained during the disputes and litigation process indicated that key notarization records and notary journals associated with the instruments relied upon in the foreclosure proceedings could not be verified or produced. These issues concern the Assignment of Mortgage and related instruments used to support the claimed authority to collect and foreclose. Despite these unresolved verification issues, Brock & Scott continued debt collection and foreclosure enforcement activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Block, Inc.
State: VA

Complaint narrative:
On XXXX XXXX or XXXX of XXXX someone hacked my Cash App account. Someone by the name of XXXX XXXX purchased and sold bitcoin on XX/XX/year>. Then XXXX purchased {$150.00} of bitcoin by borrowing money against my account. Which I did not authorize. These transactions were done through an XXXX phone and I only have XXXX. Security issue number 1. The second issue is that how did XXXX XXXX get a hold of my Cash App information? I have called Cash App every month since XXXX stating them that I receive a message that {$1.00} has been added to my remaining balance. I call the Cash App to discuss and they tell me not to worry as my case is still being worked on. Again, since XXXX. To this day I have yet to receive a phone call, email. message or XXXX mail regarding this issue. All I get is an apology and that they know this should have been resolved as they have a time limit to complete the case and notify me of the outcome. I know there are at least 3 more reference numbers regarding this issue. Original case Reference # XXXX on XX/XX/year> I submitted another complaint to the Lending and borrowing section-Reference # XXXX, which of course they were of no assistance given. I was told that since the bitcoin was already sent there was no way to get it back. Sorry that is not my issue I did not authorize anyone to purchase or sell. I am over XXXX XXXX XXXX and they ( Cash App ) are taking advantage of that. Speaking to me like I don't know what I am saying or even trying to assist in any way shape or form.

Company response to consumer: Closed with explanation