vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
Wise sent me an emailed saying that they closed my account on suspicion that I was buying illegal XXXX  or prescription medicine.... and all I was doing was paying back a loan for a XXXX bill for XXXX that I underwent. I appealed and then complained with proof of my loan with XXXX XXXX, but both actions fell on deaf ears. I am XXXX XXXX XXXX and retired on a small pension. I DO NOT deal in XXXX  and am neither XXXX XXXX XXXX XXXX. I was born in XXXX XXXX and became a US citizen bringing finance, technology and employment for fifteen American families. This outrageous accusation other than being an enormous inconvenience, is not only disgusting, but a huge insult to my integrity and pride. I trust that you will review my complaint and treat it promptly with utmost sincerity. 
I thank you kindly in anticipation. 
Yours very sincerely. 
XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This complaint is a continuation of CFPB Complaint ID XXXX. 

On XX/XX/year>, I attempted to use my Apple Card ( issued by Goldman Sachs Bank USA ) to process a medical payment of approximately {$2000.00} at a licensed XXXX XXXX XXXX for a medically necessary procedure related to a XXXX XXXX. 

The transaction was declined and labeled SEC violation, which was a misleading fraud label with no contractual or legal basis. I immediately contacted the bank and remained on the phone for over 30 minutes, speaking with multiple representatives. 

XXXX ( Fraud Department ) stated, quote : I can not do anything. You need to use a different payment method. No override, escalation, or accommodation was offered. 

XXXX ( Security Department ) initially stated that the decline was due to my phone settings, claiming my XXXX did not have the most recent XXXX update and that I did not receive a XXXX notification. He later stated, quote : XXXX XXXX XXXX XXXX XXXX is not authorized by Goldman Sachs, end quote. 

XXXX further stated that this restriction was contained in the policy I agreed to when I obtained the credit card and directed me to review the cardholder agreement. While on the phone, I reviewed the entire agreement ( approximately 20 pages ) and no policy was identified or cited stating that this merchant, or medical providers generally, are unauthorized or blocked. 

XXXX did not acknowledge the absence of any such policy and did not provide any written provision, citation, or supervisory review supporting his statement. When I stated that I did not consent to the call being released until there was a resolution, XXXX terminated the call without resolving the issue or processing the transaction.

During this process, I was given conflicting explanations, including the phone settings explanation, which was unrelated to the fraud decline and directly contradicted information provided by the Fraud Department.

Despite confirming that the transaction was legitimate and authorized, the bank refused to release the payment or provide a clear, substantiated explanation. The repeated escalation requirements, contradictory statements, and refusal to act directly interfered with my ability to obtain urgent medical care.

Physician letter attached confirming severity.

Merchant correspondence attached.

Fake Policy attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have a mortgage with Mr. Cooper who took over the loan in XXXX.I made the mistake of sending in a partial payment in XXXX. If you don't send in 2 payments in the next month it will begin a late payment cycle. I am now 3 months in arrears and asked for a loan modification. I have a loan specialist who has not emailed, or called to discuss options which are listed on the website. I am making a compliant because I don't want to be referred to foreclosure. I have only dealt with agents who have given me different answers each time I call. I have been currently told I am 314 days past due but the payments I send have been put in an applied fund. My request for a loan Modification has been denied. 
I have asked to speak to management but have been told agents will help you. I have had no contact with higher management to help me with options. I am a XXXX XXXX trying to age in place and keep my home, I had for over 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off / Adverse Accounts XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX  XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries No inquiries are being disputed with TransUnion at this time. 

Late Payment Reporting XXXX XXXX Account XXXX : 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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I filed a debit card dispute with Bank of America regarding charges made by XXXX XXXX for a defective product. The item was materially defective, not as described, and completely unusable upon receipt. I was unable to use the product for its intended purpose. 

I made multiple good-faith attempts to resolve this issue directly with the merchant, including requesting a refund. The merchant has refused to issue a refund and has become non-responsive, ignoring my communications entirely. 

I timely notified Bank of America of the dispute and submitted all requested supporting documentation, including proof of payment, evidence of the product defect, records showing the merchants refusal and non-responsiveness, and information regarding my complaint filed with the XXXX Attorney Generals Office, which is currently investigating the merchant for unfair and deceptive business practices. 

I also spoke directly with a Bank of America representative regarding this dispute. During that conversation, I was advised that provisional ( temporary ) credit would be issued within XXXX business days following my submission of the supporting documentation. I complied fully and faxed the requested documents as instructed. 

Despite my compliance and despite my account being in good standing, no provisional credit has been issued. I have also not received any written notice explaining a delay. I have since been told or implied that the investigation could take 90 days or more, which is inconsistent with the requirements of federal law when provisional credit has not been provided. 

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ), a financial institution must conduct a prompt investigation of an electronic fund transfer dispute and must either : Provisionally credit the consumers account within XXXX business days, or Provide written notice explaining why additional time is required ( up to XXXX days XXXX Bank of America has failed to do either. 

Additionally, the merchants conduct appears to violate applicable state consumer protection laws prohibiting unfair or deceptive acts or practices, as reflected by the XXXX XXXXttorney Generals ongoing investigation.

Bank of Americas failure to issue provisional credit, failure to honor representations made by its representative, and failure to provide required written notice constitute non-compliance with federal consumer protection laws and have caused me ongoing financial harm. 

I am requesting : XXXX. Immediate issuance of provisional credit as required by Regulation E 2. A written explanation of the current dispute status and delay XXXX. Confirmation that my dispute is being handled in compliance with federal law

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 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Credit Sage LLC
State: OH

Complaint narrative:
XXXX'I am filing this complaint because Credit Sage LLC is refusing to honor my legal right to cancel and is withholding a refund in violation of federal law.XXXX I signed up for Credit Sage LLC on XXXX XXXX XXXX  On XXXX XXXX XXXX  I sent a formal "Notice of Cancellation" via USPS Certified Mail (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX). This was sent within the XXXXbusiness-day window required by the Credit Repair Organizations Act (CROA), 15 U.S.C.  1679XXXXUSPS tracking confirms the item was delivered to the company\'s reception area on XXXX XXXX XXXX Credit Sage did not end my service until XXXX XXXX XXXXDespite my written notice, the company has not issued a refund. When I contacted them via email, they claimed they only process refunds over the phone. Under 15 U.S.C.  1679c, a consumer has the right to cancel "for any reason" without penalty. The law does not require a "cancellation call" or any other verbal confirmation once written notice has been mailedXXXXThe company is now past the legal window to return my funds. Failing to refund within the required timeframe is a direct violation of the CROAXXXXI want it formally noted that Credit Sage LLC is in direct violation of federal law:XXXXViolation of 15 U.S.C.  1679c: The company has failed to refund all money paid within the required timeframe after receiving a valid notice of cancellationXXXXIllegal Obstruction: By insisting on a phone call to "allow" a refund, the company is placing unlawful conditions on a right that is guaranteed by federal statute. The CROA does not require verbal confirmation to validate a written cancellationXXXXNon-Compliance Penalties: Under 15 U.S.C.  1679g, the company may be liable for actual damages, punitive damages, and attorney\'s fees for this intentional non-compliance.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account in branch with the bank manager XXXX XXXX XXXX in ( XXXX NY ). There was a promotion at the time to open a new account and receive a {$500.00} bonus of requirements were met. I met the requirements and did not receive the bonus. I called Keybank to XXXX and was told that the bonus would be paid out on XX/XX/XXXX. On XX/XX/XXXX I called Keybank to inquire and at this time the bonus has yet to be added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I closed my account with XXXX and was very thorough with the process even going into the store to fix the issue since one of the phone numbers was not moved to my new service provider and XXXX kept trying to send messages to accessmy account through that number that no longer existed whenever I was talking to them on the phone since I was trying to figure out why they kept charging me for that one line when I had requested the whole closure of all my lines and account. They told me to go to the store and have an employee help me verify my identity and after I did that i had their own employee call their customer service line for them to figure out why I was still being charged money for an account I had closed properly they had me wait like 1 hr at the store while the store employee and their phone employee tried ti figure out why i was still being charged. They even reviewed my call history with their phone employees and found out someone did not do their job correctly and did not close my account correctly and thats why I was being charged. They assured me they were goibg to fix their mistake and that i did not have to pay. Later i received a letter from a collection agency that my supposed debt was now in collections. These are unfair business practices because I did the right process to close my account and someone did not do what they are supposed to and now they are trying to rob me and put out a collection. I tried disputing but XXXX does not share their database system to the collection agency and they do not have access to the notes and call records for my account for them to check that I do not owe that money it is XXXX mistake and it is unfair they are putting that on my credit and trying to collect that money i do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am the homeowner of an owner-occupied residential property located in XXXX XXXX XXXX Texas. My mortgage servicer has scheduled a foreclosure sale for XX/XX/year> at XXXXXXXX XXXX, despite my ongoing, good-faith efforts to resolve the default and despite funds having been submitted toward reinstatement. 



I have experienced poor communication, lack of clarity, and inconsistent and conflicting information from the servicer regarding : The status of my loan, Whether submitted payments have been properly posted and applied, Whether the foreclosure sale has been canceled, postponed, or remains active. 



My online account records and third-party platforms, including XXXX and XXXX, currently reflect the property as pending sale. Despite my repeated efforts to resolve this matter, the servicer has failed to remove or correct these listings or provide written confirmation of the foreclosure status. This has caused significant confusion, embarrassment, and emotional distress, particularly after the extensive efforts I have made in good faith to reinstate the loan and prevent foreclosure. 



Despite these listings, the foreclosure sale remains publicly scheduled, and I have not received any written confirmation from the servicer that the XX/XX/year> foreclosure sale has been canceled or postponed. 



I am actively attempting to reinstate the loan and resolve the default. The servicers failure to provide timely, clear, and accurate information, and its continued foreclosure activity while payments and reinstatement efforts are under review, places me at imminent risk of losing my home and has caused unnecessary emotional harm. 



I respectfully request that the Consumer Financial Protection Bureau require the servicer to : Immediately confirm in writing whether the XX/XX/year> foreclosure sale is canceled or postponed ; Confirm whether all submitted funds have been properly credited and applied to my loan account, including an itemized accounting ; Pause all foreclosure activity while my account status, submitted payments, and reinstatement are fully reviewed and resolved. 



I am acting in good faith to avoid foreclosure. The servicers continued lack of timely and clear communication has caused avoidable distress and uncertainty regarding the status of my home. 

I request urgent review and written confirmation of my loan status and foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I notified the company in writing that a card request on my account was fraudulent and not authorized by me. Despite this notification, the company proceeded to issue and mail the card. I later received confirmation that the card was delivered on XX/XX/XXXX. This card was never requested by me. The company failed to stop the fraudulent activity after being alerted, raising serious concerns about account security, internal controls, and consumer protection. I am seeking corrective action and an explanation for how this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a credit card. A card was sent to me. I never used it, but there was charges added to it. I reported it to the company so they issued out a new card to me. However, they issued out a card also to some male person on the same account. The charges on the account were not made by me, however, after making numerous attempts per telecon with the company and filing several written disputes to no avail, the company kept reporting late payments on my credit report. This lowered my scores and affected my credit substantially. The account is showing as a charge off and should never have been on my account. They acknowledged they should not have issued a card to anyone other than myself, but are still penalizing my credit score for the huge error that made in doing so. I was never given valid explanation as to why I was held responsible for the fraudulent charges that someone else obviously made, due to them issuing a card to someone other than myself. TIA for any help with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/year> - at XXXX I received an email notification that my XXXX account was debited {$8.00} by XXXX XXXX 
I have no history of XXXX transactions with XXXX and have never authorized venmo transactions with XXXX XXXX recommends that fraudulent transactions be reported as soon as possible. 
Over the next XXXX hours, I have been attempting to contact XXXX Customer service, I have been attempting to report the transaction as fraudulent, I have been attempting to open a dispute, I have been attempting to interact with the XXXX XXXX  XXXX to do all of these things - none have been successful. 
There is no way to file a dispute via the app or on the web via XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
During XX/XX/XXXX and XXXX, XXXX someone using my Wells Fargo card in online transaction I got fraud like {$590.00} until now Wells Fargo didnt resolve this! I already call them multiple times just to fix this issue but they not resolve this! The fraud got XXXX different transactions that cost total to {$590.00} Im trying to fix this but the bank already get the credit reverse back from me thats why Im calling here for help and fix the fraud issue

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my formal dispute of inaccurate and misleading information appearing on my Equifax credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
DISPUTED ACCOUNT : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief