vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
b'In early XXXX 2026, I was approached to participate in a part-time job opportunity. I listened as it was not very difficult and it seemed that there were profits to be made. Essentially the job consisted of providing clicks or approval for various companies. An initial deposit was made to the platform and the daily task was to review (2) sets of 40 tasks and provide for their approval. There was a cost associated with each task and it was immediately returned to the reviewer with a small commission for the work at the end of the workday. Randomly throughout the process, combination tasks were offered up. The cost and commissions for these combination tasks were higher. However, you could not proceed to the next task without first clearing the combination task. Occassionally, additional funds needed to be added to the base funds deposited to complete the requirements of the combination tasks. At the end of the work day, all bases funds / deposits and commissions were returned to the individual. One day, as I was completing my first (40) tasks, I was interrupted by a combination task. I added the funds to complete and clear the combination task. Then, as I was completing the second (40) tasks, I was interrupted by a second combination task. I was told this was unhead of and I was lucky. This time, the combination task required XXXX to clear the task. I did not have that much cash so I asked for an extension. I was able to scrounge together enough funds from loans and friends to meet the requirements. The payments made via crypto.com were:\n00XXXX XXXX for XXXX\nXXXX XXXXXXXX for XXXXnXXXX XXXX for XXXX7XXXX XXXX XXXX for XXXX\n\n(See Payments 001 through 004 in supporting documents). After completing the task, I requested the return of the funds including commissions and profits (See Final what they promised in supporting documents). I was told that because I took too long and asked for an extension, my credibility rating within the platform had been reduced from XXXX to XXXX. To get my credibility rating back to XXXX, I had to deposit an additional $30,000 (which I was promised would be returned to me).The possibility of a credibility reduction was never discussed prior to starting the part-time job. Its was actually suggested bu the platform administrator that I request an extension when it I told them that I couldnot meet the funds required to clear the task. Its also suspicious that just BEFORE the final payment, the credibility score was XXXX and just AFTER the final payment the credibility score was dropped to XXXX (See supporting Documents).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Complaint Against : Wells Fargo Bank , N.A . Issue : Unfair Account Closure / Inaccurate Risk Determination Complaint : I am filing a complaint regarding Wells Fargos decision to close my account, which I believe is unjustified and based on a misinterpretation of legitimate account activity. Wells Fargo notified me that my account is scheduled to be closed on XX/XX/year>, stating that activity on my account was inconsistent with internal and public records. When I contacted the bank for clarification, I was informed that my login activity showed access from multiple countries and was therefore classified as high risk. This conclusion fails to account for my personal and professional circumstances. I am a member of the XXXX XXXX XXXX ( XXXX ), and I travel frequently, including internationally. As a result, accessing my account from different geographic locations is normal, expected, and entirely legitimate. At no time have I engaged in fraudulent, unauthorized, or suspicious activity. Wells Fargo has not provided any specific evidence of wrongdoing, nor have they made a reasonable effort to understand the context of my travel-related account access. Instead, they appear to have relied solely on automated or superficial indicators without conducting a meaningful review. I believe this action may constitute unfair treatment and improper account restriction/closure without adequate investigation or justification.

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 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
They are misleading members buy calling, homeowners insurance hazard insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of my checking and credit card accounts, which has caused me significant financial hardship. I was a Wells Fargo customer for over 15 years and maintained my accounts in good standing at all times. I also previously worked for Wells Fargo and left employment in XX/XX/XXXX. In XX/XX/XXXX, without any prior notice, Wells Fargo closed my two credit card accounts for unspecified risk reasons. I was not given an explanation beyond a generic statement that they could not disclose details due to regulations. More seriously, on XX/XX/XXXX, I discovered that my primary checking account which contained my direct deposit and funds needed for essential expenses had been placed under a Loss Prevention Hard Hold and was being closed. This occurred without any prior notice to me. At the time, my account still showed a balance, including a recent direct deposit. However, I was blocked from accessing or transferring my own funds. When I attempted to withdraw money from a branch, Wells Fargo refused to release my funds. I was told that : - My account was being closed - My direct deposit was being returned ( which my employer has not confirmed receiving ) - My remaining funds would be mailed via cashiers check As of today, XX/XX/XXXX, I have NOT received my funds, and I have NOT received confirmation of when or where the check was sent. This situation has caused immediate financial hardship, as I rely on this account for my primary income, bill payments, and family support. Additionally, Wells Fargo has charged me a late fee on my credit card account, even though they had already restricted my access to the funds I would have used to make that payment. This is unfair and inappropriate. I have done nothing illegal or improper to my knowledge and have not been given any meaningful explanation. It is also concerning that I am aware of other former Wells Fargo employees experiencing similar account closures, which suggests a potential systemic issue. I am requesting urgent resolution of this matter.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Company : TD Bank In XXXX, I received a promotional mailer from TD Bank promising a {$300.00} bonus for direct deposits of {$500.00} or more within XXXX months. After opening the account, I called to confirm my enrollment and was told I was all set. After completing the XXXX requirement, I contacted the bank to inquire about the bonus. I was told there was no record of the promotion and was asked to provide the original mailer as proof, which I no longer had. After a review, the bank offered {$200.00} as an exception instead of the original {$300.00}. I was told the {$200.00} would be credited within XXXX weeks. It has now been XXXX weeks and nothing has been deposited. I called multiple times and was promised callbacks each time none were made. Only after I requested a supervisor was I again told the {$200.00} would arrive within XXXX weeks. That deadline has also passed with no resolution. Desired resolution : Immediate deposit of the {$200.00} as agreed, and an explanation for the repeated delays.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX I noticed my funds {$80.00} not in my account so I inquired with the bank and thats when I discovered they were withholding my money. Not only those funds but over {$1500.00} that spans over a year and a half. I spoke to a XXXX XXXX XX/XX/XXXX who was very rude and told me I didnt get my money because it was KNOW YOUR CLIENT & I didnt need to know. So where is my funds? No one knows. Several trips and XXXX hours of phone calls and nothing. XX/XX/XXXX I spoke with XXXX & was told they dont do wire transfers anymore because I sent it in & now XXXX waiting on a check and I was given an account XXXX and case number # XXXX. Then when I called to see where we were XX/XX/XXXX I was told money was sent back to repay connect XX/XX/XXXX. After account was closed and I need to speak with them : : : XX/XX/XXXX was told money was sent back to repay connect XX/XX/XXXX. After account was closed and I need to speak with them XXXX - merchant services - merchant services!!!! Now. Here we are. The amount thats missing is {$1600.00} PLUS INTEREST at this point seeing as this is a bank and if this was a loan, I would be charged interest CORRECT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Between the dates of XX/XX/XXXX and XX/XX/XXXX I tried to pull a line of credit from One main financial they promised me it was an online only everyday they ran into some issue in which they drug out longer promising me everyday that I already got the loan going as far as to taking my debit card numbers for the loan deposit to then tell me that there was an error on their website and I have to come into the office my mother which is a cosigner on the loan has had XXXX XXXX over XXXX years and can not leave her bed the advisor and agent I was speaking to knew this the whole time and promised me several times that this would be online only she's lied and I did not get the loan because of it they ran both of our credits and have all of our information I have a feeling that they did this on purpose to get the information and to run the credit knowing that they would not give me the line of credit because we could not come into the office even though they promised me it was strictly online

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am filing this complaint because Apple Card / Goldman Sachs repeatedly failed to properly investigate a documented missing XXXX refund. The original XXXX charge was {$120.00} on XX/XX/year>. XXXX own documentation shows a return/refund for - {$120.00}, dated XX/XX/year>, tied to Order Number XXXX and Transaction Reference Number XXXX. The XXXX document lists the transaction type as RETURN and the amount as - {$120.00}. Despite this, Apple Card / Goldman Sachs closed the dispute with No Credit Applied. I disputed this transaction three separate times and provided the XXXX refund invoice each time. Each dispute was still closed without the {$120.00} credit being applied and without an adequate explanation of where the XXXX refund went. I am requesting that Goldman Sachs / Apple Card provide a written explanation showing : Where the XXXX - {$120.00} refund was applied, if it was received. Why my disputes were denied despite the XXXX refund documentation. Whether the refund was ever credited to my Apple Card account ending in XXXX. That the {$120.00} credit be issued if it was not properly applied. Although the transaction occurred in 2024, this is not a newly discovered issue. I raised it multiple times through Apple Card / Goldman Sachs dispute channels and provided the refund documentation, but the matter remains unresolved. Attached are screenshots of the Apple Card transaction/dispute status and XXXX refund documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
The mortgage company that is on my credit report is wrong I have never had a mortgage loan with them. I was with XXXX and XXXX now Im with a new company Newrez and with the transition I was trying to pay my monthly mortgage. I couldnt pay online or on the phone now is showing that it is delinquent. The new company is charging me fees and also saying that Im months behind which Im not I was trying to make a payment in XXXX like I said before I couldnt. It stated online I couldnt make a payment online or on the phone with the old company, which was XXXX now with the new company Newrez is showing that I didnt make XXXX or XXXX payment I asked if they could fix that for me because in the transition of them obtaining my loan it was between XX/XX/XXXX and they received my my loan information. XX/XX/XXXX is showing that Im behind on this new company an outrageous payment. When I was with XXXXI made three payments in one XXXX, XXXX and 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 2026-06-10 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: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the evening of XX/XX/year>, I received 3 calls back to back from the following phone number : XXXX. When I XXXX the number, while on the call, it showed up as XXXX XXXX. The caller stated there was fraudulent activity noted on my banking account ( stated {$940.00} and {$290.00} charge attempts made at a XXXX in XXXX, NC ). The representative got out of me my login information which included the last 5 digits of my SSN, which allowed them to reset my XXXX login information. The caller identified himself as XXXX ID # : XXXX. I caller XXXX me from the following account : XXXX, and I was asked to share my screen for assistance. I felt uncomfortable having a shared screen when I logged on to my Chase account, so I disabled it. The caller also stated that my Chase account was more than likely targeted as well and that a fraud representative from Chase would be giving me a call. I received a call from the number XXXX. When I stated to the caller, who identified himself as a fraud representative from Chase, that the phone number made me uneasy due to it not having any Chase identification on my caller ID, the caller called me from the following number : XXXX. The caller stated in order to prevent the fraudulent charges from going through theyd have to be reversed. I was walked through reversing charges on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thankfully, the only charge out of multiple attempts, across multiple payment forms, that went through was a XXXX payment of {$1900.00} instructed to go to XXXX under the name XXXX XXXX I was told each transaction had to look exactly the way the fraudulent attempt looked, and I was told if the money came out Id be refunded back into my account. Directly after that transaction, I was instructed to send XXXX to XXXX with the name XXXX XXXX Thankfully, the XXXX was cancelled by my bank due the XXXX being outside of my normal banking pattern. The call lasted about an hour and a half. I felt uneasy afterwards, so I immediately called my bank. At that time, I was notified I had been the victim of a phone scam. The scam caller also set up a time to call me the following day, in which they did call. However, I then blocked the number. I have placed a freeze on my credit reports with all 3 credit bureaus. Chase and XXXX were notified immediately after the event. I filled a claim with Chase for the {$1900.00} XXXX transaction. My original claim was denied. I submitted an appeal, which was also denied. In addition, I have filled a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NH

Complaint narrative:
I have over XXXX hrs of phone time trying to resolve. We got notified from tax collector our taxes where in the rears. And we were served a tax XXXX notice. We did all the asked for on XX/XX/year> To be removed from escrow due to them not paying our taxes for the XXXX time. To eliminate the tax XXXX I took day from work and went and paid the remaining tax bill to stop the XXXX. Now they have not done anything other than create XXXX pages on file for requesting withdrawal from escrow. They said couldnt open then we sent to them with XXXX other emails now they claim have it XX/XX/XXXX But said will be escalated for XXXX time and still no results. And today told me they will give us an answer on XX/XX/XXXX XXXX the next tax XXXX is due on XX/XX/XXXX. We been paying our mtg payments less escrow seeing they are not paying our taxes or Insurance which we have always paid. Now they have sent to XXXX XXXX XXXX XXXX XXXX payment for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
MY MORTGAGE WAS RECENTLY TRANSFERRED FROM XXXX XXXX TO CARRINGTON MORTGAGE LLC. I AM TRYING TO MAKE MY CURRENT MORTGAGE PAYMENT. I HAVE BEEN TRYING TO PAY THIS BILL SINCE LAST WEEK, STARTING ON WEDNESDAY, XX/XX/year>. THE PHONE SYSTEM IS ENTIRELY AUTOMATED, AND NO LIVE REPRESENTATIVE ANSWERS THE PHONE. EVERY DAY I HAVE STAYED ON THE LINE FOR 30 TO 45 MINUTES TRYING TO GET THROUGH TO SOMEONE. YESTERDAY, XX/XX/year>, I STAYED ON THE AUTOMATED PHONE SYSTEM FOR 3 HOURS AND 55 MINUTES, AND THE LINE DISCONNECTED. THE AUTOMATED SYSTEM CAN NOT FIND MY ACCOUNT OR MY SOCIAL SECURITY NUMBER IN THE SYSTEM, BLOCKING ME FROM MAKING A PAYMENT. I HAVE PROOF OF MY ATTEMPTS TO PAY. PER RESPA REGULATION GRACE PERIOD RULES, I REQUIRE CARRINGTON TO LOCATE MY ACCOUNT, HAVE A REPRESENTATIVE CONTACT ME DIRECTLY, AND ACCEPT MY PAYMENT WITHOUT LATE FEES OR NEGATIVE CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I decided NOT to refinance with Rocket Mortgage. I have repeatedly, as in XXXX times, asked them to stop calling me. I have blocked numerous phone numbers but they continue to call. Agents are claiming, " You never told me not to call. '' They are harassing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was a co-signer on an XXXX loan for my XXXX XXXX in XXXX when we were still married. We separated in late XXXX due to XXXX XXXX. Our XXXX was finalized in XX/XX/XXXX. Since our separation in XXXX my XXXX XXXX has defaulted on the loan and failed to re-finance the loan and the vehicle was repossessed. I have a no contact order with my XXXX XXXX after XXXX XXXX XXXX XXXX. Per our XXXX decree I am not to be responsible for any debts related to this vehicle. I have repeatedly attempted to dispute this account. I will attach a copy of my XXXX decree.

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 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I used ATM to withdraw money it was declined, however XXXX XXXX took money from my account, refused to give it back, I contacted the XXXX they confirmed no money was taken I provided the ATM number the sequence number and date and time of alleged transaction and phone number for XXXX they still keep denying my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NV

Complaint narrative:
I have had a XXXX XXXX XXXX for many years and Citibank transferred the XXXX XXXX cards as of XX/XX/XXXX. My credit limit was very high and I had an XXXX credit score most of the time. I did not apply for a Citibank card, it was a transfer. I made several payments to Citibank, and the new card arrived on XXXX XXXX. I tried to activate it and the card was immediately closed. I made a {$5000.00} payment to Citibank a few days before they closed my account, yet I still have a negative balance, including for XXXX, which is not due yet. I also paid a {$99.00} fee for the XXXX card just before Citibank took over. I sent a certified letter to Citibank on XX/XX/XXXX. Citibank responded today that they terminated the relationship as of XX/XX/XXXX without providing a reason. I am requesting the specific legal reason, which occurred nearly 10 years ago and is not listed in any credit reports.

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