vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: MN

Complaint narrative:
In XXXX of XXXX, I opened my Wells Fargo Everyday Checking account to see a balance lower than the {$500.00} I typically keep in it. I saw that on XX/XX/XXXX, I was charged XXXX {$10.00} fee. On XX/XX/XXXX, I was charged XXXX {$15.00} fee, and on XX/XX/XXXX, another {$15.00} fee. I learned through a XXXX thread that Wells Fargo silently tripled their minimum required balance for Everyday Checking from {$500.00} to {$1500.00}. Wells Fargo did not notify me via mail, smartphone app, push notification, secure message, email, or phone call. Instead, they buried the notification of the new policy in a single bullet point on an account statement. Again, I had to learn this from XXXX. I called Wells Fargo on XX/XX/XXXX to close the account and refund the fees. I was told " the system '' only allows them to reverse the {$10.00} fee from XXXX, but neither of the {$15.00} fees from XXXX or XXXX. I confirmed that I would like the account closed and a refund of the {$10.00} fee, and to escalate to a manager who might be able to reverse the other fees. The manager said they couldn't reverse the fees either, so I escalated again. Received a secure mail on XX/XX/XXXX confirming that " the account has been closed on XX/XX/year>, and we will not be able to perform any maintenance on the closed accounts, '' and closed the case. I called again on XX/XX/XXXX to dispute this. I let them know that I don't need account maintenance, and that I would accept a check in the mail for {$30.00}. The person on the phone told me I was unable to escalate further, but I would be able to file another case. On XX/XX/XXXX, Wells Fargo secure mailed me again to reiterate that they " we will not be able to perform any maintenance on the closed accounts '' and closed the case. On XX/XX/XXXX, I called Wells Fargo again regarding this claim. They said that Wells Fargo " used to '' be able to reverse the fees but, again, the new " system '' was not allowing her. She told me that I was unable to escalate the case further, but could file a complaint and would be contacted by " someone in corporate. '' She asked whether I thought Wells Fargo had done something inappropriate, and I said yes, they did not notify their customers ( as evidenced by the initial XXXX thread full of blindsided customers ) about the important new policy. I listed a number of ways that Wells Fargo could have contacted me, including letter in the mail, phone call, smartphone app push notification, or email, rather than intentionally burying the new policy in a bullet point on a checking account statement. As of XX/XX/XXXX, Wells Fargo has still not refunded the fees.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Filed a claim of {$220.00} because a vendor did not deliver and the vendor stopped responding to my inquiries. Tried filling claim with XXXX. XXXX paid the vendor directly. My baking claim was denied despite me not receiving the item I ordered. When explained the situation and how I was defrauded of {$220.00} the WF Bank still sided with the vendor.

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 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Same bill I have disputed this bill XXXX or XXXX times it was taken off my credit report now it's back on with a new report date that it was reported a new starting date when it was started which is false all lies XXXX points was taken off my credit report because of this false medical bill that keeps coming back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Coinbase sent my assets to XXXX saying the account was dormant on XX/XX/XXXX. They took this action without any notification or contact and the account was not dormant. When I logged in to attempt to sell the assets on XXXX they were not available. After several phone calls to Coinbase, I filed a formal complaint ( # XXXX ) on XX/XX/XXXX. I finally heard back on XX/XX/XXXX indicating they were in error and had returned the assets. The issue is the assets are valued at over {$1000.00} less than when I tried to sell them. They did provide an additional credite of {$240.00} I had responded again to Coinbase on XXXX XXXX, XXXX asking that they correct the error to the full value and they declined to do so. It is likely Coinbase sold the assets at a high value and then returned the assets at a lower value thus profiting from assets that were not theirs to use. My main purpose in this notification is to try to ensure Coinbase does not take similar action against others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I received PSLF through Mohela on XX/XX/year>. At that time, Mohela confirmed I made XXXX months of overpayment, which is reflected in my account. Mohela claims they initiated the overpayment refund to the Dept of Treasure on XX/XX/year>. However, Treasury confirms no record of submission. I have waited over 7 months for refund owed after PSLF forgiveness, and Mohela refuses to provide proof of this submission. I have contacted the Dept of Treasury numerous times and each time, they have seen nothing initiated from Mohela. I would like my overpayment refund immediately from Mohela as it has been over 7 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I closed my account on XX/XX/year>, and received a confirmation email from Wells Fargo. On XX/XX/year>, I received an email from WF showing a credit balance ( around {$2600.00} ) since I overpaid. On XX/XX/year>, I received an email from WF indicating that it will mail a refund check the week of XX/XX/year>. On XX/XX/year>, XXXX EST, I had not received the check, so I called customer service and was told that the check had already been processed and should arrive within XXXX business days, and if I don't receive the check by XX/XX/XXXX or XXXX I should call back. On XX/XX/year>, XXXX EST, I still didn't receive the check, so I called WF again and was informed the check was processed on XX/XX/XXXX and should arrive within XXXX business days, which would be XX/XX/year>. On XX/XX/year>, I received an email from WF again showing the same credit balance. On XX/XX/year>, XXXX EST, I still didn't receive the check, so I called WF and was told the check was mailed out " today ''. On XX/XX/year>, XXXX EST, today, I still haven't received the check. I called WF and was told that " the check was processed on XX/XX/year> and should arrive within XXXX business days '' so I should receive the check by XX/XX/year>. I asked if the check was mailed out but was told that it was " processed, but not sure if it was mailed out ''. I asked why I was given a different date every time and was told that the request was " reprocessed '' when I called. This is a clear lie because as of XX/XX/year>, WF still sent me an email with a credit balance which means the check had not been processed then. WF just holds hostage my money for XXXX months ( since I closed the account on XX/XX/year> ) without ANY interests or penalties.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One still has my credit card restricted and advised that no servicing error happened, which I understand. The issue is that my card is still restricted and they have not lifted the restriction. They asked me to conference my bank on the phone, I said I could conference XXXX if I give them a heads up but due to fraud alerts on my CHECKING ACCOUNTS ( not with Capital One ) I can not speak to XXXX XXXX XXXX or XXXX XXXX over the phone because I completely eliminated access due to my father attempting to impersonate me and access my bank, XXXX and XXXX can only be communicated with in person because of the fraud alerts I placed on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I am filing a complaint regarding funds being held in my XXXX account ( a service of XXXX, XXXX ). My account was recently permanently deactivated due to an alleged violation of the User Agreement. At the time of deactivation, my account held a balance of {$6200.00}. XXXX has informed me that they are unable to release these funds and that the funds XXXX be held for up to 180 days for loss prevention purposes. However, despite multiple attempts to obtain clarification, XXXX has refused to answer the following : - Whether there are any active disputes or chargebacks associated with my account- Whether there are any specific conditions that would prevent the funds from being released after the XXXX period - Whether the funds will be returned to me if no disputes occur All responses I have received have been generic, scripted replies that do not address my questions. My case has been repeatedly closed without providing meaningful clarification. I understand that funds may be held temporarily for risk purposes, but I am requesting a clear explanation of the status of my funds and confirmation of the conditions under which they will be released. Given the amount of {$6200.00} being held, I am requesting that XXXX provide a formal review of my case and a clear, non-generic response regarding the disposition of these funds. I am not disputing their right to hold funds temporarily, but I am requesting transparency and confirmation that the funds will be released in the absence of disputes or chargebacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This account is being reported without a clearly identified original creditor. The listing only shows " collection '' instead of a valid company name. I do not recognize this debt and have not received any documentation validating that this debt belongs to me. There is no sufficient information, payment history, or supporting evidence provided to justify this account. I request full validation of this debt. If the company can not provide proper documentation, this account should be removed immediately from my credit report due to inaccurate and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Over the past few years I have repeatedly had issues with TD Auto Finance ( account # XXXX ) being negligent in handling my payments. I have almost always paid online or through their website, but this company doesnt credit the account on time which has led to excessive late fees and interest charges. In the past I was instructed to write a letter to request an account review. Nothing happened. This issue has happened again as recently as XXXX XXXX. These errors sometimes lead to unnecessary flags on my credit reports. I also had an issue getting answers on how to get refunded for warranty coverage that I have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint against Chime regarding a denied dispute for approximately {$450.00} in unauthorized transactions. On XX/XX/year>, my phone was taken without my permission. During that time, an unknown individual accessed my account and sent money without my authorization. I did not approve these transactions and did not benefit from them in any way. After regaining access to my phone, I immediately reported the issue to Chime and filed a dispute. Despite this, Chime denied my claim and is requiring me to wait up to 10 business days to receive documentation explaining their decision. I have provided a signed incident statement explaining that this was unauthorized access and fraud. I am requesting that Chime reopen and properly investigate this case as fraud. This situation is causing financial hardship, and I am requesting either a provisional credit or an expedited resolution. I am seeking a full refund of the unauthorized transactions and a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
Hello, I recently submitted a complaint regarding my account. Since then, my account has been suspended, and I need clarification on whether this action is related to my complaint. I am requesting : 1. A clear explanation of the suspension 2. The status of my funds 3. Instructions to restore or access my account I am available to verify any information needed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I got noticed from my employer that a garnishment order had been processed and that the creditor would be taking money from my wages. I immediately called the collection agency asking if there were any options to stop the garnishment and make payment arrangements which they said no it was not. I proceeded to be really emotional because of life hardships and I cried over the phone the representative then started laughing as I was on the phone explaining my situation. The next representative then give me misleading information telling me that I owed XXXX and that even after garnishment is successful and nothing is owed he was threatening that wasnt accurate and that the garnishment would not be stopped even if I paid what I owed. Which I know that is not right and the representative even proceeded to say that is why you keep getting hung up on because you are being very rude and not letting representatives talk even though I was being told the wrong information and I only made a comment that my employer will not wait for them to send a garnishment release they will stop it automatically. The reps from this creditor wanted to argue me about how my company does these processes and I got disconnected multiple times even called a representative a foul word because I was so upset and angry and felt like no one was listening and they kept saying things that I didnt even ask about. I want to make a complaint because after XXXX is gotten from my wages these people should not be taking anything out and my job will stop this automatically they are not waiting for them to release garnishment 14 days after they have taken money already. I am filing this complaint because the communication tactics are terrible and they talk to you as if you were scum on the bottom of a shoe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I made my monthly transfer from my Regions Bank Checking account to my Checking account at XXXX XXXX to pay a Loan. We have been doing this via mobile check Deposit for years the same amount XXXX {$400.00} However this XX/XX/year> mobile deposit was returned from XXXX XXXX saying the funds were not available. The regions checking clearly had more than enough funds to transfer. And in fact the bank statements clearly show that the funds were withdrawn. Yet XXXX says its a Regions Problem and Regions says its a XXXX problem and we have been defrauded of {$400.00} between the XXXX banks and both accounts owned by me. As for the delay in filing this complaint, my wife was XXXX with XXXX and I ' e had to turn my attentions to her and her treatments. now bills are piling up and we really could use our funds that were lost by these institutions.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a 0 % interest credit card that requires on time payments for the 0 %. I mail a check the next day after receiving their statements yet they are posting the day after due, Now they are charging late fees and interest. I called and spoke with a supervisor that told me its my problem not theirs. They dont control the mail. they suggest online payments to ensrue on time. I advised them I have proof of mailing the check XXXX days prior to due date, yet they post on their end a day late triggering late fees and interest.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: NC

Complaint narrative:
-My scammers are part of the XXXX XXXX XXXX as researched by the XXXX XXXX XXXX XXXX that has been working with me on this case. The individuals that called me are currently sitting in XXXX and, with smuggled phones, called me and used threats to get {$48000.00} in funds from me under the guise of XXXX bench warrants and threats to be placed in XXXX under federal bench warrants and sent me my arrest warrant. -The amount that I had to pay to the scammers on XX/XX/year> was {$48000.00} -Bitcoin Depot has a daily maximum of {$25000.00} deposit/activity per account, so the scammers said I had to use the phone number on XXXX of the deposits to the ATM totaling {$23000.00} or Id be arrested as soon as I walked out of the XXXX XXXX -In refusing to provide the {$22000.00} funds back, the criminals are being aided and abetted by Bitcoin Depot. -This case is currently being worked with the XXXX XXXX XXXX and the US Attorneys Office. -Im still waiting for the additional {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation