vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CFPB CONSUMER COMPLAINT : CIRCULAR FRAUD & UNCONSCIONABLE SELF-DEALING COMPANY : Wells Fargo Bank , N.A . ISSUE : Struggling to pay mortgage / Improper servicing Task SUBJECT : Self-Dealing REO Reversion and Market Manipulation I. DESCRIBE WHAT HAPPENED : I am filing this complaint to report a systemic pattern of Circular Fraud and Unconscionable Self-Dealing by Wells Fargo Bank , N.A . regarding the property located at XXXX XXXX XXXX XXXX, XXXX, GA. Through my XXXX forensic audit, I have exposed a " Closed-Loop '' fraud system designed to ensure the bank seizes the equity in my home while blocking all legal paths to cure. The Four Pillars of the Circular Fraud : Accounting Siphoning : As admitted by the investor ( Fannie Mae ) on XX/XX/year>, Wells Fargo siphoned XXXX consecutive full payments ( Nov 2024March 2025 ) into " Suspense Accounts '' to manufacture a technical default. Manufactured Currency : Wells Fargo is attempting to use this " manufactured debt '' as " credit '' to bid at a foreclosure auction. They are effectively " buying '' my home using money they siphoned from me. XXXX XXXX : By advertising an impossible auction date XXXX XXXX2026 ) and a location of " TBD '' on Auction.com, the bank has intentionally chilled the third-party bidding pool. This ensures no competition, allowing Wells Fargo to be the sole bidder and take the property as XXXX ( XXXX XXXX XXXX ). Title Laundering : The bank is attempting to transfer title from a non-existent legal person ( " XXXX XXXX '' ) to themselves, willfully ignoring a XXXX Superior Court Name Change Decree to facilitate a " clean '' seizure of the asset.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX refusal to properly investigate and reimburse unauthorized transactions on my account. The disputed transactions occurred during a period when I was incarcerated. During that time, I did not have possession of my phone, debit card, or wallet, and I had no ability to access my account or authorize any transactions. Despite this, unauthorized transactions were processed. I initially filed a fraud claim with Wells Fargo, which was denied. The denial appears to have been based on incomplete information, as I had not yet submitted documentation of my incarceration. Wells Fargo has since stated they would review my paperwork to determine whether the claim should be reopened. I have now provided official documentation clearly showing that I was incarcerated during the exact dates of the unauthorized transactions. This evidence directly proves that I could not have authorized the activity. Despite receiving this documentation, Wells Fargo has either : Failed to reopen the claim, Failed to conduct a reasonable investigation, or Continued to deny reimbursement without properly addressing the evidence. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to conduct a reasonable investigation into unauthorized electronic fund transfers and can not deny claims without properly considering all relevant evidence. My incarceration during the time of the transactions is critical, material evidence that must be considered. Wells Fargos actions indicate a failure to comply with these legal obligations, including : Failure to conduct a reasonable investigation Failure to properly consider new, material evidence Improper denial of a valid unauthorized transaction claim

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Capstone Capital USA, LLC
State: OH

Complaint narrative:
Date : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Goodwill Adjustment Request Account Ending in XXXX To Whom It XXXX Concern, I am writing regarding my XXXX XXXX account ending in XXXX to request a goodwill adjustment for a XXXX late payment reported in XX/XX/XXXX. I have always taken pride in managing my financial obligations responsibly, and this late payment was not typical of my payment history. During that time, I was recovering from a serious car accident that temporarily left me unable to handle my normal responsibilities. Due to my condition, I did not have access to my phone and was unable to make my payment on time. As soon as I was able, I brought the account current and have remained committed to maintaining it in good standing. I value my relationship with XXXX XXXX and appreciate the opportunity to continue building positive credit history with your company. I respectfully request that you consider removing the XX/XX/XXXX late payment from my credit reports as a one-time courtesy. This adjustment would make a meaningful difference as I continue working to improve my credit profile. Thank you for your time, understanding, and consideration. Sincerely, XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
On or around XX/XX/year>. Amex unitarily closed all my accounts and won't allow me use my accumulated rewards. I requested specific reason for closing and never got it from the customer service representative I was in touch with. I was also first led to believe I could transfer my points but later was told the account that was initially said to be open was also closed. I never got a specific reason for closing my account only template replies. My account closing was other in a wave of closing of many XXXX XXXX 's account. Without specific reasons to close my account it certainly feels like XXXX profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fig Tech Inc.
State: TX

Complaint narrative:
Fig Loans was paid in full and the account was closed. The company agreed to remove the account from my credit report. The account is still showing on my credit report and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The phone number provided, no one answers and it just sits on hold. i was given the phone number a few days after i went into a bank branch and requested to close the account and emptied it. I was then charged fees, which continue to accrue, for not being able to close the 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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Including additional documentation related to COMPLAINT ID ( XXXX ) XXXX. I am filing a complaint regarding a missing {$1400.00} refund / misapplied funds issue related to the sale and payoff of my mortgage account XXXX for the property located at XXXX XXXX XXXX XXXX XXXX, MO. This matter involves a duplicate property tax payment during the closing of my home sale, and Chase has provided contradictory responses. Key Facts XXXX. Chase already paid XXXX XXXX taxes from escrow before closing My Chase mortgage statement shows the following transaction : XXXX XXXX TAX PAID {$1400.00} This proves Chase paid XXXX XXXX property taxes from my escrow account before the sale closed. XXXX. I was charged the same taxes again at closing XXXX XXXX settlement statement for the property sale closing on XX/XX/year> separately charged : 2025 Real Estate Taxes {$1400.00} This means the same taxes were paid twice : Once by Chase from escrow on XX/XX/year> Again through the closing settlement on XX/XX/year> XXXX. Title company confirmed the duplicate payment and remitted funds to Chase The title company confirmed in writing that the lender had already paid the taxes, creating a shortage / duplicate tax payment issue. They further confirmed the buyers title company stopped payment on the tax check and remitted that amount to my lender ( Chase ). XXXX. Wire proof confirms {$1400.00} sent to Chase I have wire documentation showing : {$1400.00} Sent to JPMorgan Chase payoff wire account Referencing my loan payoff and property address XXXX. Chase admitted the overpayment, then later denied it Chase previously sent written correspondence stating an overpayment of {$1400.00} existed and was being returned/credited. Later Chase contradicted this and claimed no refund was available. These positions are inconsistent and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
which I have reason to believe is the result of identity theft. I did not open or authorize this account, nor did I give permission for anyone to use my personal information for this purpose. Upon reviewing my credit report, I discovered this fraudulent account and am requesting that it be investigated and removed immediately.

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 non-monetary relief
Consumer complaint received 2026-04-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
which I have reason to believe is the result of identity theft. I did not open or authorize this account, nor did I give permission for anyone to use my personal information for this purpose. Upon reviewing my credit report, I discovered this fraudulent account and am requesting that it be investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
WHOM IT MAY CONCERN : I AM SENDING THIS LETTER TOYOU IN RESPONSE TO A NOTICE I RECEIVED FROM YOU.BE ADVISED, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT,15 USC 1692g SEC.809 ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE-NAMED TITLE AND SECTION.I RESPECTFULLY REQUEST THAT YOUR OFFICE PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU.PLEASE PROVIDE ME WITH THE FOLLOWING : WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE ME WITH COPIES OF ANY PAPERSTHAT SHOW I AGREED TO PAYWHAT YOU SAY I OWED ; PROVIDE A VERFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE ; IDENTIFY THE ORIGINAL CREDITOR ; PROVE THE STATUTE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT ; SHOW ME THAT YOU ARE LICENCED TO COLLECT IN MY STATE ; AND PROVIDE ME WITH YOUR LICENCE NUMBERS AND REGISTERED AGENT.IF YOUR OFFICES HAVE REPORTED INVALID INFORMATION TO ANY OF THE XXXX MAJOR CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXXXXXX ), SAID ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS.DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT DEFAMATION OF CHARACTER ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
On XX/XX/year> around XXXX I attempted to deposit money via the atm. First round it spit out all my money. So I got XXXX crisp {$100.00} bills and deposited them just fine. It then asked if I would like to deposit more. I said yes. I attempted to deposit another {$300.00} of various different bills. The machine jammed and spit my money out. This time it only spit out {$290.00}. At this point the ATM is lagging and I can hear the deposit machine running but not sending any more money out. Eventually, the ATM seems to malfunction and tells me the ATM is no longer working. I wait a few minutes to see if it comes back up or if it will spit out my {$900.00} remaining dollars. It never does. I go to a different FNBO ATM to deposit the {$290.00} XXXX received back from the first ATM. I filled a complaint on XX/XX/year> and on XX/XX/year> received an email stating my dispute has been denied because we are unable to locate a deposit being made using the card associated with your dispute.

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 2026-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding a private student loan issued by Climb Credit for my enrollment at XXXX. This loan was obtained specifically to finance my education at XXXX which has since ceased operations and is no longer active. Due to the schools closure, I was unable to complete my program and did not receive the educational services that this loan was intended to cover. The lender had a direct relationship with the school, as it was one of the institutions approved financing options. Because of this connection, I believe I have the right to assert claims against the lender based on the schools failure to provide the promised services. Despite this, I am still being held responsible for the full loan balance. I believe this is unfair and may constitute a violation of my rights under applicable consumer protection laws, including the FTC Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS TRYING TO SUE ME FOR A DEBT THAT HAS NOT BEEN VERIFIED/ I AM A VICTIM OF IDENITY THEFT AND HAVE POLICE REPORTS OF THE INICIDENT THAT HAS HAPPENED YEARS AGO. THEY NEVER ONCE SENT VERIFICATION TO PROVE THAT I OWE THE DEBT THAT THEY ARE TRYING TO COLLECT ON AND BY LAW THEY HAVE TO DO THAT! THEY ARE THREATENING TO TAKE ME TO COURT IF I DON'T CALL AND MAKE AN AGREEMENT TO SETTLE BUT THE DEBT ISN'T MINE

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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the sale and payoff of my property at XXXX XXXX XXXX XXXX XXXX, MO, duplicate property tax funds in the amount of {$1400.00} were remitted to Chase as part of the closing reconciliation for loan XXXX. The title company confirmed that my lender had already paid the real estate taxes, creating a duplicate tax payment issue. The buyers title company stopped payment on the tax check and remitted {$1400.00} directly to Chase. I have written confirmation and wire proof. Chase then sent me a letter dated XX/XX/year> stating that there was an overpayment of {$1400.00} and that the overpayment was being returned to Chase and would be credited. Later, Chase sent a second letter dated XX/XX/year> stating there were no refunds available. These XXXX positions directly contradict each other. I am requesting a full post-closing payoff reconciliation, a trace of the {$1400.00}, and immediate refund of the funds if retained by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: CT

Complaint narrative:
The company is reporting an inaccurate apartment collection account. They used an incorrect move-out date and charged rent/fees after I vacated the unit. I provided documentation, including notice of move-out and evidence the apartment was empty. Despite this, the debt continues to be reported, harming my ability to obtain housing. I request deletion of the inaccurate collection account and correction of all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding Capital One Auto Finances handling of my prior dispute. In their response, Capital One stated that the reporting on my account is accurate and provided a payment history. However, their response does not address whether the reporting of delinquency status during the COVID-19 period was compliant with the CARES Act requirements under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ). Even if the account was previously past due, furnishers are required to ensure that delinquency status is not improperly escalated during a period in which a consumer is impacted by COVID-19 and engaging with the creditor. Capital One did not provide any documentation or explanation demonstrating compliance with this requirement. Additionally, the information being reported reflects a rolling and cumulative delinquency pattern without sufficient clarification of how payments were applied, how delinquency levels were calculated, and whether multiple months were reported in a manner that may be misleading or duplicative. Under the Fair Credit Reporting Act, information furnished must be accurate, complete, and not misleading ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) and ( a ) ( 2 ) ). Providing a payment history alone does not establish that the reporting meets this standard. I requested documentation verifying the accuracy of the reported late payments, including how payments were applied and posted, how delinquency levels were calculated, and whether the reporting during the COVID-19 period complied with CARES Act requirements. Capital One did not provide this information. I am requesting that Capital One provide full documentation demonstrating : 1. How each payment was applied and the exact date of posting versus receipt 2. How delinquency levels were calculated for each reported period 3. Whether any COVID-19-related accommodations, considerations, or reporting adjustments were applied 4. Evidence that the reporting complies with CARES Act requirements If Capital One is unable to fully verify the accuracy, completeness, and compliance of this reporting, I request that the late payment history for the dates referenced be corrected to reflect that payments were made on time and as agreed, and late payment entries for the mentioned dates be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My girlfriend sent me XXXX wire last week I'm guessing around XX/XX/XXXX. I tried to withdraw funds they Said it would be available next day. Next day they said it was fraud and it wa frozen. They said provide social and ID copy I did. They said provide resident address bill I said I can't because I have no bils under my name. I have called several branch3s and the fraud support they keep asking g same questions who sent cash. I answer. Provide proof of address I say I have none. They said they can't unfrese account t. I have other banks and none ask for address proof. I said close my account and they refuse to close ot or give me finds. Bank is Called us bank in XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. There phine number XXXX. I told them I would sue them they keep ignoring me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On or around XX/XX/year>, I sent money through Cash App to the wrong recipient by mistake. The amount involved was {$15.00}. Immediately after discovering the error, I contacted the recipient and requested a refund. The recipient, XXXX XXXX, declined to return the funds. I then contacted Cash App support and filed a dispute requesting assistance in recovering the funds. Cash App stated that they would review the dispute ; however, I did not receive any meaningful follow-up, resolution, or effort to recover or replace the funds. As a result, I am out {$15.00}, and the issue remains unresolved. I believe Cash App did not adequately investigate or assist in resolving this transaction error. I have also filed a police report regarding this matter and am pursuing all appropriate remedies to recover the funds. I am requesting a full review of this incident, including the transaction timeline, dispute handling process, and any available options for fund recovery.

Company response to consumer: Closed with explanation