vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> FINAL NOTICE OF FAILURE TO COMPLY WITH FEDERAL AND STATE LAWS To Whom It May Concern, This letter serves as my Final Notice regarding the disputed MOHELA account listed below and your failure to properly respond to my original dispute sent on XX/XX/year>. Creditor : MOHELAAccount Number : XXXXReported Balance : {$59000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, furnishers and consumer reporting agencies are required to conduct a reasonable investigation and provide verification of disputed information within the timeframe required by law. To date, I have not received adequate verification, supporting documentation, or a lawful response regarding this account. Your continued reporting of this account without proper validation constitutes a failure to comply with federal consumer protection laws and may also violate applicable state consumer protection statutes and credit reporting regulations. As previously stated, this account is disputed for the following reasons : Failure to provide competent verification of the alleged debt Failure to provide original signed documentation or complete payment history Reporting information that may be inaccurate, incomplete, misleading, or unverifiable Ongoing concerns regarding MOHELAs publicly reported data breach and account handling failures Potential violations of the FCRA and other applicable consumer protection laws Because you failed to properly investigate and validate this account after receiving my original dispute, I am demanding the following immediately : Permanent deletion of this account from all consumer reporting agencies Immediate cessation of reporting any negative information related to this account Written confirmation that the account has been removed from my credit report Please be advised that failure to comply may result in additional complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Tennessee Attorney Generals Office, and any other appropriate regulatory agencies. This letter serves as notice that I am maintaining detailed records of all correspondence and failures to comply with federal and state laws. I expect written confirmation of deletion within the timeframe required by law. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new Regions Bank checking account specifically because of an advertised {$300.00} new account promotional bonus. After opening the account and meeting the required conditions, I contacted Regions regarding the status of the bonus and was informed that my account was allegedly not registered for the promotion. However, during the account opening process, no error, warning, or disclosure was provided indicating that the promotional registration had failed or that the account would not qualify for the offer. On XX/XX/year>, Regions representative XXXX XXXX contacted me regarding my new account. I explained the issue and was told he would look into it. He later informed me that an internal review stated the account was not registered for the promotion and therefore not eligible. He submitted additional internal requests on my behalf, but on XX/XX/year>, I was again informed that Regions would not honor the promotion because the account had not been registered and the promotion had since ended. I opened this account specifically because of the advertised promotional offer and would not have opened it otherwise. I attempted multiple times to resolve the matter directly with Regions, but the bank has refused to honor the promotion despite the lack of any disclosure during account opening that promotional enrollment had failed. I am requesting that Regions honor the advertised {$300.00} promotional bonus or provide an appropriate resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Resurgent Capital Services keeps trying to collect a debt for celtic bank even when the debt was already paid in full to their offshoot company XXXX XXXX.resurgent refuses to remove the debt from their site saying I still owe on it.they refuse to furnish a letter saying this debt is now paid and they refuse to furnish me with an email or stating this account is now resolved.i want this account removed from there site removed from my tradeline ( under their lvnv XXXX ) and a letter furnished to me stating that this account is now resolved.i my next steps are handing thisvover to my attorney and state attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I was provided with and relied upon a final payoff amount of {$1600.00}. Based on that payoff figure, I completed the payoff process and considered this matter resolved. Instead, {$2000.00} was withdrawn from my account, resulting in an overpayment of approximately {$410.00}. This overcharge is unacceptable. I acted in good faith based upon the payoff information provided to me. The payoff letter was still valid and in effect at the time payment was made. There was no authorization for XXXX, Credence, or any affiliated party to withdraw funds beyond the agreed payoff amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 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: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I filed a dispute for {$2000.00} from an auto company where I never received the merch/car. I uploaded documentation showing where the person who sold me the car told me I wasn't getting nothing and that I have been scammed. Fast forward I called chime on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX I was on the phone for 15mins but during the 15min I was placed on a 30-45 min hold while the representative told me he was looking into my account. Which has never happened I've never been placed on hold while calling to check on my dispute. XX/XX/year>XXXX XXXX XXXX a hour and half later I receive an email from someone at chime trying to blackmail me and the first email states " I know that you have a dispute claim in chime amounting of {$2000.00}, this going to be deny But i can help u to get this money back easily with no hustle or reopen If your interested let me know '' from the email addressmailto : XXXX. I asked them if they were from XXXX and they told me they were and " outside source '' I called XXXX to get the last representative name since the calls are recorded but was given the run around. This is ridiculous that I can't even trust my own bank! I would just like my money back that I disputed because I uploaded documents showing where I was scammed and told I wasn't gettting my money or the car I supposedly purchased. Chime is a joke. They are stealing peoples information emailing and blackmailing people about their own money. Mind you this dispute has been open for a month and I never once received any emails, text or phones calls about this dispute until XXXX LAST NIGHT AN HOUR AFTER CALLING CHIME. Which lets me know it was the last rep I spoke with! JUST REFUND ME MY MONEY so I can close my account. I also offered to send in the emails and was told they don't need them. When I emailed back and told them I would have there IP ADDRESS tracked then all of the emails cease they all stopped no more emails. Which gives me even more reason to believe that the rep took my information and emailed me himself

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: TX

Complaint narrative:
On XX/XX/year>, PayPal permanently deactivated my account and placed a hold on my balance which the majority of it included my XXXX XXXX XXXX XXXX Including other funds from sales Totaling {$10000.00} PayPal issued an official written notice explicitly stating that funds would be held for " up to 120 day ( s ) '' to cover potential liabilities. That 120-day window closes on XX/XX/year>. No buyer disputes, claims, or chargebacks have been filed against my balance during this entire period. Instead of releasing my funds as contractually promised, PayPal has abruptly issued a second, consecutive 120-day hold, resetting my release date to XX/XX/year>, under the vague claim of " unverified information. '' Crucially, a significant portion of the frozen funds consists of my federal XXXX XXXX XXXXXXXX XXXX ( XXXX ) benefits. I am a legally XXXX individual and have been for 11 years. Under federal law ( the Social Security Act ), these benefits are strictly exempt from being frozen, seized, or held by private entities for contractual disputes. PayPal 's actions constitute an unlawful seizure of protected federal safety-net benefits, a direct breach of their own written 120-day terms, and are causing a severe, dangerous escalation of my pre-existing medical conditions ( including XXXX XXXX and XXXX XXXX XXXX ) due to financial deprivation. XXXX XXXX Documented, XXXX XXXX XXXX Documented, XXXX XXXX XXXX Documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I am submitting this complaint regarding American Expresss handling of repeated disputed charges associated with XXXX transactions since 2025. The total amount involved is approximately {$300.00} .Although I repeatedly reported these charges and contacted customer service multiple times, American Express failed to provide adequate protection, timely dispute resolution, or meaningful assistance regarding prior unauthorized and duplicate transactions. Most recently, two charges for the identical amount of {$16.00} were processed during the same billing cycle. While American Express indicated they would dispute the latest charges, the company did not adequately address the long history of recurring issues connected to my account. As a result of these repeated billing problems, I was forced to request a replacement credit card. This caused major inconvenience because numerous essential services linked to my card had to be updated, including healthcare-related payments, television providers, newspaper subscriptions, and other recurring services. The lack of proactive fraud prevention, customer protection, and effective support has caused considerable stress and financial concern. I also have the same situation with XXXX a company that kept charging after I informed American Express that I didnt accept any charges from that company the amount was {$69.00} I tried to contact XXXX and that company located in XXXX doesnt have a contact number. 2 additional charges were made to American Express. The American Express call center doesnt provide any solutions.The people in charge of responding in most of the cases just answer a phone call and the only solution is to change the credit card for a new one. How can I recover my money? I have experienced this situation more than 3 times. I respectfully request : A full investigation into all disputed charges Reimbursement for unauthorized and duplicate transactions A detailed explanation of how these charges were permitted to continue Stronger account protection measures moving forward I appreciate your prompt attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NC

Complaint narrative:
I am writing to formally dispute three fraudulent accounts that appear on my credit report. Someone stole my identity and opened these accounts without my knowledge or authorization. These accounts are not mine, and I am not liable for any charges, balances, or activity associated with them. I request that you immediately investigate this matter, close all three fraudulent accounts, and remove any related negative information from my credit file. I also ask that you send me written confirmation once all three accounts have been permanently closed and resolved. Please consider this letter as notice that I did not authorize the opening or use of these accounts. Any signatures, applications, or transactions connected to these accounts were made fraudulently by another individual. Thank you for your prompt attention to this serious matter. I expect confirmation of the account closures and the results of your investigation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I returned the vehicle to the dealership approximately one week after purchase due to issues with the vehicle. The dealership accepted the return, refunded my down payment, and submitted an unwind/reassignment payment to Westlake Financial . I possess documentation of the unwind submission as well as written communication from the dealership acknowledging that they dropped the ball in processing the matter. Despite this, Westlake Financial continues to report an active balance and delinquent account status. I dispute responsibility for this debt because the transaction was unwound and the vehicle was returned to the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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:
Is coming up on XXXX weeks and now that I have my money in my account

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, Chase offered me a 0 % promotional APR on my credit card ending in XXXX, valid through XX/XX/year>, with an enrollment deadline of XX/XX/XXXX. On XX/XX/XXXX, well before the deadline, I accepted the offer and initiated a promotional balance transfer of {$14000.00} from my Chase account ending in XXXX to my account ending in XXXX. I received an official confirmation email stating that the transaction was being processed. When the funds did not arrive, I contacted Chase Customer Support. Representatives informed me that the transaction had been canceled by the fraud department. They stated that they could not honor the promotional offer because the deadline has now passed, despite my initial request being submitted successfully a week before that expiration date. Upon examining my phone records I discovered a single missed unidentified verification call with the note from my carrier : " find out why this call didn't ring. '' Chase has given me no opportunity to verify my identity. Chase never sent a follow-up email, a secure account message, or made any secondary attempt to contact me regarding this security hold before canceling my pre-approved transaction. I have been a loyal Chase customer in excellent standing for over 20 years, and my contact information has never changed. It is entirely unfair to revoke a binding financial promotion because a single verification call failed to connect, especially when Chase made no alternative attempts to communicate the security hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, Wise initiated a complaint/review process on my Wise XXXXs account and requested source of funds documentation and explanations regarding account activity. I fully cooperated and provided all requested documentation, including contracts, invoices, proofs of payment, business explanations, and supporting records. On XX/XX/year>, Wise informed me that the account would be closed. Wise stated that the remaining balance in the account ( approximately {$7800.00} USD ) would be refunded to another bank account within approximately 10 days. As of today, the refund has not been received. The primary issue is that while the account was under review status, several legitimate business clients sent incoming international wire transfers to the Wise banking details associated with my business account. These transfers never appeared in the Wise balance and also have not returned to the originating bank accounts. The unresolved transfers are approximately : * {$4700.00} USD from a business client via an international wire transfer * {$44000.00} USD from another business client via an international wire transfer * Another {$4700.00} USD from a business client Total unresolved amount : approximately {$54000.00} USD. I repeatedly requested clarification from Wise regarding whether these funds were received, held, rejected, or returned, including wire tracking information and expected resolution timelines. Wise has not provided clear answers or meaningful updates regarding the status of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
So back in XXXX of XXXX my car was totaled, my insurance company ( XXXX ) paid out $ XXXX. Yet the gap insurance company dragged their feet with payments communication and so on. We've been promised multiple payout for the remaining balance and they've yet to follow through with the promises. I was told XXXX to XXXX business days for pay out they called and said it will be another XXXX days. Another broken promise there, then was told the check will be expedited in XXXX day. The finance company agreed that if gap sent check before XXXX XXXX the next day account would not be tarnished. Again check was never sent and now my credit has dropped! After all my hard work with paying this account on time and being told that payments will be forced stopped after agreement with XXXX company no promise has been kept. I hope this letter will help me get this late payment disputed. Also stated I could not afford to pay XXXX car payments on top of a XXXX dollar insurance bill for my new vehicle that I'm currently paying on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: NJ

Complaint narrative:
I am filing this complaint to report Wells Fargo for retaliatory and abusive practices formally. Specifically, immediately after I initiated formal XXXX XXXX proceedings against Wells Fargo in XX/XX/XXXX regarding a significant billing error, Wells Fargo deliberately restricted my online account access and removed my historical billing statements from my consumer portal. By actively hiding the financial records I need to prove my case in arbitration, Wells Fargo is committing an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) and obstructing my right to reconcile my own account. Standard industry practice and Wells Fargos stated policy guarantee consumers online access to their billing statements for a minimum of 2 to 7 years. For the entire duration of my account history, I had unfettered access to these documents. However, in XXXX XXXXshortly after my Arbitration Initiation Letter was issued and received by the bankmy historical statements suddenly vanished from my online portal. I am currently unable to access any billing statements from the past few months. Crucially, the statements that have been restricted include the exact disputed ledgers for XXXX and XXXX, which form the basis of my federal and arbitration claims. When I raised this alarming issue, Wells Fargo refused to admit that they had restricted the account. Instead, Wells Fargos outside legal counsel ( XXXX XXXX XXXX of XXXX XXXX ) emailed me on XX/XX/XXXX, feigning ignorance. XXXX XXXX suggested that the missing statements were merely a user-navigation error on my part, instructing me to select " Recent Statements '' from a dropdown menu rather than filtering by " XXXX '' or " XXXX. '' I followed their counsel 's exact instructions and provided photographic proof that even under the " Recent Statements '' view, Wells Fargo 's system has artificially truncated my history, showing only statements from XXXX. Wells Fargo continues to deny that it restricted my access, even though the portal explicitly shows that the documents have been removed. This is not a technical glitch. It is a targeted, retaliatory restriction placed on a consumer 's account immediately following the initiation of arbitration. By revoking my access to my own financial data during an active legal and regulatory dispute, Wells Fargo is deliberately attempting to suppress evidence and cripple my ability to defend myself. This violates the core tenets of consumer protection and financial transparency.

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