vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
I lost a money order issued by an agent of western union. I was told I could initiate a refund and receive my money back so I did and followed the exact instructions I received. This was at the beginning of XXXX. My claim was denied because I did not file a police report saying that the information I provided was in fact the case. I did when resubmitting my money order refund request around the middle of XXXX and they told me I did not provide the receipt of the refund when in fact, I did. I submit that again with a new copy of the police report and they requested my ID as well. I have called and spoken to representatives on XXXX or more seperate occasions and I wish that is a lie. I have asked for more information to find out when I can get my refund, asked to speak to the refund department, asked to speak to a supervisor and asked to receive a call back with more information. On only XXXX of those occasions was I able to speak to a supervisor and it was after telling them I dont have enough money for food and I feel XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX well, I am undergoing a series of XXXX treatments and it is not wrong. Every other XXXX of those requests was denied, or not fulfilled. I have not received more information, I have not gotten my refund after XXXX weeks, I am not allowed to talk to someone who issues refunds ( that department ), and no one has called back with more information, even the time a supervisor told me I would get a call back from someone. I need my money back and no one can do anything about that, further, no one cares about this concern I have. I doubt XXXX wrong because my experience proves otherwise. When you have a refund it is usually easy to get it, but I have jumped through hoops for XXXX weeks and am desperate for money for food. It is currently XX/XX/XXXX I am running out of food and I can not buy more till the XXXX when my XXXX card reloads with more money. I will never be purchasing a money order through western union again as they are a horrible company when it comes to customer support and I will never pay for any product or service they offer again because I would rather some other business come up in its place that does what they do and does it better in a way that supports people. The worst part is that on several occasions I have just been hung up on by their customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
I XXXX XXXX would like to file a formal complaint against my bank chime services for failure to properly investigate and resolve a fraud dispute involving a debit card transaction of {$440.00}. I initially contacted XXXX to make a legitimate hotel booking. During that interaction, I was transferred to a third-party booking agent who falsely represented themselves as being affiliated with XXXX. I reasonably believed I was still communicating with XXXX when I provided my debit card information. This was a material misrepresentation that directly influenced my authorization of the transaction. The charge was later processed under the merchant name XXXX XXXX XXXX / hotelssupermarket, which is not a verified or legitimate travel provider and has no affiliation with XXXX. This was not a voluntary purchase from a known merchant. It was a travel impersonation scam involving deceptive transfer and fraudulent misrepresentation. Under the Electronic Fund Transfer Act ( Regulation E ), transactions authorized under deception or impersonation must be treated as fraud or error and are subject to reversal upon proper investigation. My bank denied my dispute without adequately addressing the impersonation, misrepresentation, or supporting evidence I provided. The denial appears to be based solely on the assumption that I authorized the transaction, without considering that authorization was obtained through fraud. I am requesting : * Immediate reopening of the dispute * Proper classification as fraud/impersonation * Full Regulation E investigation * Refund of {$440.00} * Written explanation of why impersonation evidence was not properly considered I also request that the bank review its dispute handling procedures in cases involving third-party impersonation and fraudulent merchant misrepresentation. Please feel free to reach me at XXXX or via telephone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
am requesting immediate written confirmation regarding my attempted IRA contribution/transfer initiated on or about XX/XX/XXXX. This transfer was intended to be a XXXX IRA contribution. The IRS deadline for most taxpayers to make a XXXX IRA contribution was XX/XX/XXXX. I provided the requested identity, green card, ID, notarization, fax, email, and in-person verification materials, but Wells Fargo did not timely complete or confirm the transfer. Please confirm in writing today whether the attempted XX/XX/XXXX transfer was received, accepted, and coded as a XXXX IRA contribution. If Wells Fargo will not code or report it as a XXXX IRA contribution, please provide a written explanation stating : The exact date and time Wells Fargo received my transfer request ; The exact date and time Wells Fargo received my verification documents ; The reason the transfer was not completed by XX/XX/XXXX ; Whether the issue was caused by compliance review, identity verification, green card documentation, notarization, account verification, fax/email processing, or internal delay ; Whether Wells Fargo can correct the transaction and report it on Form XXXX as a XXXX I RA contribution ; If not, the exact legal, operational, or compliance reason Wells Fargo refuses to do so. This matter is urgent because it directly affects m y XXXX federal tax filing.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Skopos Financial, LLC
State: UT

Complaint narrative:
I am filing this complaint against Reprise Financial for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I opened a loan with Reprise Financial in summer XXXX. Over an extended period of time, Reprise Financial contacted me multiple times per day through phone calls, voicemails, emails, and written letters. This excessive and repeated contact constitutes harassment under 15 U.S.C. 1692d of the FDCPA, which prohibits debt collectors from engaging in conduct intended to annoy, abuse, or harass a consumer. Federal law also prohibits more than 7 contacts within any 7-day period regarding the same debt. Most recently, Reprise Financial reported a late payment to my credit report in XX/XX/XXXX. I am formally disputing this reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please also note that Reprise Financial was fully aware of my prior bankruptcy filing from XX/XX/XXXX at the time they approved my loan. I am requesting the CFPB investigate Reprise Financial for these violations and require them to immediately cease all excessive contact and remove the late payment from my credit report. I have documentation including call logs, voicemails, emails, and letters as evidence of this harassment.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> I received a call from Wells Fargo main number I called it back to make sure legit. The person answered Wells Fargo asked me questions and sent a OTP for confirmation. We were told that they may have an inside fraud ring happening and are seeing pending charges out of XXXX which I said was not mine. After that all our funds were stolen and cash advance charge on our Wells Fargo CC I disputed all of this right away at our local branch with a banker they saw the phone call logs and said definitely was there direct line. Now after several weeks Wells Fargo says they can not refund us any of our money back as no proof of fraud like What?? How do these banks not protect the consumer?? When there mission statement is as follows. To serve customers at the highest standards to satisfy all our customers financial needs and help them succeed financially beyond disturbing after being a loyal customer for over 9 years with several accounts.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This fraudulent credit card account was opened with my identity without my knowledge. My information was compromised and apart of a XXXX data breach. This account was opened on XXXX I have a legitimate bank account and autoloan with Wells Fargo. This credit card I never opened and used with wells fargo

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 2026-04-27 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: CA

Complaint narrative:
I had some funds in my Cash App account. I had a levy filed against my business and myself, and the XXXX XXXX froze my QB, my bank account, and my Cash App account. I made a new agreement with the company that filed a judgment against me and my business. The agreement was that they would send a release to all my accounts to release my funds. I didn't have issues with QB or my bank account. Now, Cash App shows that there was a withdrawal in the amount of {$1000.00} on XX/XX/year>. I have contacted the law office, and they state that they haven't received my funds that they have sent over the release about XXXX times already. I have contacted Cash App numerous times and can't get to talk to a supervisor or anyone in the investigating team. I have requested a tracking number or a confirmation number of the wire, but they have not provided me with the information. I have been dealing with this for over 2 months, and I don't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
The company failed to provide proper validation under the FDCPA. A billing statement does not establish legal ownership or my obligation to pay this debt. They did not provide : * A signed contract * Full payment history * Chain of assignment or bill of sale * Method of verification under FCRA 611 ( a ) ( 7 ) Simply stating they received validation from a creditor is insufficient and does not meet federal requirements. I am requesting : 1. Complete chain of title from XXXX to XXXX XXXX XXXX and XXXX 2. XXXX signed agreement 3. Full accounting of the alleged debt 4. Proof of legal right to collect If this can not be provided, this account must be deleted from all credit reporting agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I cant remember the last time I actually talked with a rep but the last time I did I told them I needed a week or so for my payment but I kept getting calls day after day after day. Never made any difference that I didnt have the money. They harassed me by calling at least 8 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I was made aware only after receiving my pay that I was being garnished. From something in XXXX. 3 years went by with no collection attempts and the company doesnt even have the account anymore. Then I find out they decided to file for garnishment in XXXX. They provided generic proof of looking for me then only notified by publication. I was very easy to locate and can provide proof of that. Then later sent in a proof of service to an address I have never resided at. I was not given a chance to properly defend myself. Then when I try to call and request information on the case, no one will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
We assumed a FHA loan managed by NewRez in XX/XX/XXXX. After completion and transfer of ownership, Newrez failed to remove the prior owners home insurance policy. Effectively leaving two active policies attached to our home. The premium for the prior owners policy was paid ( {$6000.00} ) to the insurance company out of our escrow account where we are now - {$3700.00}. I spent over 10 hours cumulatively on this over a couple weeks with numerous lengthy phone calls with NewRez who admitted fault dozens of times. Not only did they admit fault, but they suggested on several occasions that I figure this out on my own by contacting the prior owner or working with their insurance provider to collect the funds they paid out. Neither of which I am authorized, able, or willing to do. This is a clear RESPA Violation. Servicers must make timely and accurate disbursements from escrow for insurance premiums ( 12 CFR 1024.17 ( k ) and 1024.34 ). Paying the wrong policy ( the prior owner 's ) is an improper disbursement. They also clearly did not conduct a proper post-assumption escrow analysis or update the account, that compounds the violation. This falls under error resolution rules ( 12 CFR 1024.35 ), which cover failures related to disbursing amounts for insurance or other standard servicing duties. It may also tie into improper escrow account administration and failure to correct errors promptly. I did not document my last call with them as I was under the impression they had resolved the issue, but they assured me XX/XX/XXXX when the issue arose that this was taken care of and I have nothing to worry about as the stop payment on the check would take place or the insurance company would reimburse my escrow account. Neither of which happened because I was told by XXXX XXXX that the prior policy holder was already paid out for the prorated amount between XX/XX/XXXX - XXXX XXXX and pre payment from XXXX - XX/XX/XXXX which was over {$8000.00}.

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 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Dear CFPB : I have disputed this account several times and Procollect in its submission to the CFPB has twice submitted that it has instructed the three credit bureaus to close the account. XXXX in its submission to the CFPB said that I am a victim of identity theft. Yet XXXX, Procollect and XXXX are refusing to delete the collection record from my credit report. I am pleading with you to bear influence on this case so that justice will be served. I have maintained through out my dispute that I did not live at the XXXX XXXX and did not receiving a housing service from the XXXX XXXX. I have provided documentary evidence toward this. Yet, Procollect, XXXX and XXXX are refusing to abide by what they themselves submitted to the CFPB that the collection record should be deleted from my credit report. Dear CFPB, I have submitted with this dispute documentation showing Procollects admission and submission to the CFPB that they have instructed all three credit bureaus that the collection account should be closed and the collection record deleted from my credit report. I have also submitted with this dispute XXXX submission to the CFPB that Procollect, the debt collector informed them that I am a victim of identity fraud. I have submitted with this dispute, XXXX XXXX submission to the CFPB that they are deleting the collection record from my credit report and closing the account. Dear CFPB, I did not live at the XXXX XXXX and I did not receive a housing service for which a debt collection is valid. Dear CFPB, I am pleading with you to stand up for consumer 's protective rights and bear influence on Procollect.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding my auto loan with Santander Consumer USA. I am attempting in good faith to bring my auto loan current or resolve the balance ; however, Santander Consumer USA has refused to provide written documentation of the amount owed. I am approximately six months behind on my loan. I have contacted Santander multiple times by phone and was verbally given a reinstatement amount and also a reduced payoff offer. However, when I requested these figures in writing ( email or mail ), they refused to provide any written confirmation. On XX/XX/year>, I sent a formal written request via email asking for : * A written reinstatement amount to bring the account current * A written payoff amount ( including any settlement offer ) More than 48 hours have passed with no response. This lack of written documentation is preventing me from curing the default and exposes me to imminent repossession without a fair opportunity to resolve the account. I believe this behavior is deceptive and not in good faith, as I can not reasonably act on verbal figures alone. I am requesting that Santander Consumer USA immediately provide : * A written reinstatement amount with a breakdown of all fees and charges * A written payoff amount, including any settlement offer previously discussed * Clear instructions and a deadline for payment to avoid repossession I am ready and willing to resolve this matter promptly upon receipt of proper documentation. Santanders refusal to provide written documentation of the amount owed, while continuing to pursue collection and potential repossession, may constitute unfair or deceptive practices. This conduct interferes with my ability to make an informed financial decision and to cure the default in good faith. I am requesting regulatory review of this pattern of behavior to ensure compliance with applicable consumer protection laws and fair servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
On XX/XX/year>, I used MoneyGram to send money in the amount of {$1800.00} USD. The transaction reference number is XXXX XXXX XXXX XXXX XXXX. The issue began when the funds were not delivered. The receiver contacted their bank and the funds were never deposited. The name, account number, phone number, and date of birth are all correct. I have provided account statement to prove all information I entered was correct and funds were not deposited till this day. Despite my attempts to resolve the issue, the problem remains unresolved. I have contacted MoneyGram customer service through email and spoke with them through chat. I was told that the funds were successfully deposited, but they will not provide me a paper trail that includes full details. They have only provided me with the same information I can find on my account details. I have expressed my concerns about the money not being deposited after over a month, but no resolution has been provided. As a result, I have experienced financial loss, inconvenience, and stress. I have put a request for my issue through their website but they keep closing my case by saying it was deposited. I am requesting a full refund of {$1800.00} and would like this matter resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is very upsetting to find that inaccurately reported accounts continue to remain on my credit reports without being removed. I am desperately asking for a thorough and careful review of the documents I submitted so this situation can finally be resolved and I can feel at ease again.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chainlink Services LLC
State: AK

Complaint narrative:
See complaint XXXX. I filed a complaint to XXXX XXXX, XXXX XXXX says to defer to its servicing agency Chainlink Services. I have not once received any direct communication from Chainlink Services regarding this account. Provide a written statement that this collection account will be deleted from my credit report no more than 30 days after the account is paid in full, and provide information to make payments by mail : pay to the order of, account number, mail to, phone number. All communications regarding this account must be in writing.

Company response to consumer: Closed with explanation