vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for 8 years this is my first bank account in the XXXX, and I have maintained a clean history with no prior monthly service fees or issues. Starting in XX/XX/year>, Wells Fargo began charging me a $ XXXX monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The bank unilaterally increased the minimum balance ( previously {$500.00} ) and raised the fee to {$15.00} without providing clear, dedicated notice via mail or email. I only discovered the charges on my statements after they started. The account became dormant and inaccessible via online banking or ATM for a period, preventing me from monitoring the balance or taking action to avoid the fees. Wells Fargo previously issued a partial refund, but continued charging the monthly fee. The total disputed amount is now approximately {$60.00} ( including the latest {$15.00} fee ). I filed a prior CFPB complaint, which Wells Fargo closed stating no new explanation we got other than the previous response. XXXX XXXX XXXX office contacted me regarding case number XXXX. I also spoke with an escalation manager who reviewed the case and stated the bank is firm and will not refund the fees. This appears to be an unfair and deceptive practice : the bank changed fee terms without adequate notice, made the account inaccessible while continuing to assess fees, and has refused a goodwill refund despite my long-term loyalty and the partial refund already issued. I am requesting a full refund of all disputed monthly service fees ( ~ {$60.00} ) as a one-time courtesy. If Wells Fargo continues to refuse, I am prepared to file a claim in small claims court in XXXX XXXX, California, to recover the fees plus court costs. Please require Wells Fargo to provide the full refund and confirm the resolution in writing.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
b'I am filing this formal complaint against Remitly regarding two international remittance transfers that were marked as completed and delivered by Remitly, but whose funds were never received by the beneficiary bank account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers were sent from XXXX through Remitly to my personal bank account at XXXX XXXX XXXX XXXXnDespite Remitly marking both transactions as successfully delivered, the beneficiary bank has formally confirmed that:\n\n No such transfers were credited to my account\n No trace of these transactions exists in their system\n No incoming XXXX or equivalent transfer corresponding to these amounts has been identified\n\nI have repeatedly contacted Remitly customer support through their standard channels. Unfortunately, I have not received meaningful assistance, escalation, transaction trace documentation, or any verifiable proof of delivery.\n\nTo date, Remitly has failed to providXXXX XXXX XXXX confirmation or equivalent payment trace\n Identification of intermediary banks involved\n Confirmation from the payout partner or correspondent institution\n Proof that the beneficiary account was actually credited\n Recovery or refund procedure\n\nGiven that the service paid for was not delivered and the funds remain unaccounted for, I believe this situation may constitute a remittance transfer error under applicable US consumer protection and Regulation E remittance transfer rules.\n\nI respectfully request that CFPB require Remitly to:\n\nConduct a formal investigation into both transactions\nProvide complete transaction trace documentation\nInitiate recovery procedures immediately\nReimburse the missing funds if delivery cannot be conclusively demonstrated\n\nThe lack of transparency and ineffective support have caused significant financial stress and concern.\n\nI am prepared to provide:\n Bank statements\n Written confirmation from the beneficiary bank\n Transfer receipts\n Screenshots from the Remitly application\n Correspondence with Remitly support\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am a Capital One customer with multiple accounts, including credit cards and savings accounts. In early XX/XX/year>, one of my credit cards ( a XXXX card issued or serviced by Capital One ) was flagged for verification. As a result, Capital One restricted access to all of my Capital One accounts, including my two savings accounts and other credit cards ( all of which had XXXX balance ). I was not provided any official letter or notice explaining the restriction when it began on approximately XX/XX/year>. I only received my first official letter from Capital One confirming that I was speaking with them regarding this matter on XX/XX/year> more than three weeks after the restriction began. During phone conversations with Capital One, they requested that I provide : XXXX A copy of my drivers license ( license verification ) XXXX. Two months of personal bank statements from another financial institution I provided both documents in good faith. However, Capital One subsequently complained that : The license resolution was insufficient ( no further clarification was provided despite my requests ) My bank statements had redacted my bank account numbers for security reasons After multiple phone calls, Capital One continued to demand that I provide my personal bank account number from my other bank. I explained that I had already provided two months of detailed transaction statements showing account activity, and I was uncomfortable providing the actual account number due to security and privacy concerns. Despite my cooperation and willingness to verify my identity in other reasonable ways, Capital One refused to restore access to my accounts. Resulting actions, I have taken Because Capital One would not accept redacted bank statements, would not offer alternative verification methods, and left my accounts inaccessible for weeks without clear communication, I felt I had no safe option but to : Close my two savings accounts with Capital One Move my savings balance to another bank Lock all my Capital One credit cards ( which currently have XXXX balance ) Specific concerns XXXX. Lack of timely notice No official communication was sent when the restriction began on XX/XX/XXXX. The first letter came on XX/XX/XXXX, more than three weeks later. XXXX. Unreasonable verification demands Requiring an unredacted personal bank account number from another bank, even after receiving two months of transaction statements, is excessive and not standard industry practice. XXXX. No alternative verification options Capital One refused to offer any other means to verify my identity or resolve the issue. XXXX. Denial of access to all accounts A verification flag on a single credit card should not result in a global lock on unrelated savings accounts and zero-balance cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a drone online through PayPal from an overseas merchant identified as XXXX XXXX. XXXX for approximately {$100.00}. After the purchase, I became concerned that the seller XXXX be deceptive or fraudulent. The seller later contacted me and requested that I withdraw my PayPal dispute before delivery of the merchandise. The seller provided tracking information, but I have not received or verified the item as advertised. I opened a dispute through PayPal due to concerns regarding non-delivery and possible fraud. Despite these concerns, PayPal closed the case in the sellers favor based solely on seller-provided tracking information without verifying whether the advertised merchandise was actually delivered or authentic. I believe PayPal did not adequately investigate the dispute or sufficiently protect consumers from potentially deceptive international merchants. I am requesting review of PayPals dispute handling practices and consumer protections in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
Have had my XXXX account since before I got my car America credit acceptance bought my account and are denying me using it I've used the account before but all of the sudden I have to wait 3-5 business days for them to take the money out this might have flown back when direct deposit first came out and not every store in the country uses direct deposit money is constantly trying to leave my account I had the money in the bank account but they dragged their feet on taking the money I have more than enough money in my account to make the payment but for some reason it was declined I have also been trying since they stole my account to refinance but they expect you to either go to XXXX XXXX XXXX XXXX XXXX I'm sorry I'm not going to waste {$300.00} on an airplane ticket to go for an hour just to waste XXXX more dollars on another airplane ticket to get my {$600.00} XXXX payment down in the multiple years since they have stolen my account they have not given me an account number that actually works in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Groundfloor Finance Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding my experience with Groundfloor as a construction lender. While the company performed well in approving my loan and closing the transaction, I have experienced significant issues with the disbursement of funds. The draw process has been slow, inconsistent, and difficult to navigate. Communication has also been lacking, particularly via email, with delayed responses that have impacted my ability to move forward with the project in a timely manner. I have submitted documentation and receipts supporting approximately {$73000.00} in completed work and expenses. Of that amount, I contributed {$13000.00} as my required equity ( skin in the game ). Despite providing proof of payment and completed work, Groundfloor has only approved approximately {$35000.00} for reimbursement following their inspections. The reasoning behind this significant reduction has not been clearly communicated. These delays and partial disbursements have directly impacted my construction timeline. A project that was originally expected to be completed by XX/XX/XXXX has now been extended significantly, potentially into the final quarter of the year or beyond. As a result, I am incurring additional holding costs and financial strain due to the lenders inability to disburse funds in a timely and predictable manner. I am requesting : A clear explanation for the reduced reimbursement amount compared to submitted documentation Improved communication regarding draw requests and timelines A more efficient and transparent disbursement process This situation has created unnecessary delays and increased project costs, despite my compliance with their requirements and submission of proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CA

Complaint narrative:
I am a long-time American Express customer with over 12 years of history. On XX/XX/year>, my American Express checking account was suddenly closed. Then on XX/XX/year>, all five of my American Express credit card accounts were also closed without prior notice or a clear explanation. At the time of closure, I had over XXXXXXXX XXXX XXXX points that were forfeited. I had also recently paid a {$890.00} annual fee in XX/XX/year>. In addition, I have an upcoming business trip on XX/XX/year>, and the sudden account closures caused immediate disruption to my travel plans because I lost access to airport lounge and travel-related benefits associated with my cards. I attempted to resolve this matter directly with American Express but have not received a response. I respectfully request : XXXX. A clear explanation for the account closures. XXXX. A prorated or full refund of the unused annual fee. XXXX. Consideration of compensation for the forfeited rewards points and travel disruption. I will be traveling internationally for the next two months and prefer communication by email whenever possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
reached out and they provided 2 documents but were unwilling to provide signed contract and did not add payments from checking account to lower balance so the amount is also incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: OK

Complaint narrative:
" The consumer is a 100 % XXXX veteran disputing an invalid debt of [ Insert Amount ] reported by Hunter Warfield ( Account # XXXX ) for XXXX XXXX XXXX This debt is illegitimate due to a total breach of the implied warranty of habitability under XXXX XXXX XXXX Documented Violations : XXXX XXXX : Maintenance records ( Ref # XXXX ) prove the electrical breaker box was 'popping ' and lights were flickering for weeks. The landlord failed to remediate this fire hazard, rendering the unit unsafe. Failure of Essential Services : The XXXX XXXX XXXX unit was reported inoperable as of XX/XX/XXXX ( Ref # XXXX ). The landlord failed to repair or replace the unit for months, forcing the consumer to purchase their own portable cooling equipment to maintain a habitable environment. Sanitary Failures : Photographic evidence ( Ref : XXXX ) confirms standing water and sludge accumulation around the water heater, creating a mold risk. FDCPA Violation : The consumer served a formal dispute to Hunter Warfield on XX/XX/XXXX. Despite notice that the underlying debt was based on a breach of lease by the landlord, the collector has failed to provide verification and continues to report the invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a loss mitigation application to my mortgage servicer via email. The servicer 's automated system confirmed receipt the same day. I received no written notice of incompleteness at any point following submission, as required under 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) within 5 business days of receipt. My application is therefore facially complete under 12 C.F.R. 1024.41 ( c ) ( 2 ) ( iv ). Despite my pending and facially complete loss mitigation application, the servicer 's foreclosure trustee conducted a foreclosure sale of my primary residence on XX/XX/year>, in violation of the dual tracking prohibition under 12 C.F.R. 1024.41 ( f ) and California Civil Code 2923.6 ( c ). When I contacted the servicer 's loss mitigation department on XX/XX/year>, the representative stated there was nothing they could or would do and refused to transfer me to a supervisor, stating a callback would take two business days. On XX/XX/year>, I submitted a formal Notice of Error pursuant to 12 C.F.R. 1024.35 via Priority Mail Express and email requesting rescission of the sale, removal of foreclosure-related fees, and resumption of loss mitigation review. No response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am requesting clarification and records regarding historical allegations connected to my name from approximately 2014. I recently became aware that allegations involving a so-called sweetheart scam may have been referenced in connection with banking activity and complaints involving another individual. I deny involvement in any fraud or scam activity. I was never notified of any findings, determinations, or adverse actions at the time, and to my knowledge no criminal charges or formal findings of wrongdoing were ever made against me. I am requesting that Fifth Third Bank provide clarification regarding : * Whether the bank ever made any fraud determination against me * Whether my name was flagged internally in connection with fraud allegations * Whether any reports or conclusions were made concerning me * Whether any adverse banking records remain associated with my name * Any records, notes, or conclusions related to this matter This issue is important because these historical allegations are now causing ongoing personal and legal harm. I am seeking factual clarification and copies of any records or findings connected to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
am formally disputing the auto loan account currently being reported under my credit profile with account number ending in XXXX. This account was recently added to my credit report as of XX/XX/year>, showing a balance of {$36000.00} with multiple late payments and past-due status. I want to clearly state that this is not my account, I did not open this loan, and I do not have any contractual agreement or responsibility for it. Because I did not initiate, authorize, or benefit from this account in any way, I believe this reporting is the result of identity error or fraudulent activity. I am requesting that your company : Provide complete documentation verifying how this account was opened ( including signed contract, identification used, and application details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC
State: NE

Complaint narrative:
Gold status cash out loan for select XXXX XXXX Received flier in mail from Newday USA as a pre- selected qualifier for the NewDayXXXXXXXX XXXX XXXX XXXX Loan, letting me know that I can borrow up to 100 % of my homes value. This is targeted predatory marketing. To highlight this, one of the 3 provided Q & A is My spouse was a veteran but has passed away. Do I still qualify for this loan? With the answer of Most likely yes. Call to see if youre eligible. This is not a VA benefit and it explicitly states Use your VA Loan Benefit to receive cash for your family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TTM GLOBAL ENTERPRISES LLC
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
My work location has a strict no personal call policy. XXXX the representative with my quick wallet has been sent an email on XX/XX/year> to refrain from calling the work location. Shortly after another attempt was made and I explained the no call rule as it could result in serious consequences. I reminded him of my work schedule XXXX and I would return a call during normal business hours or information could be sent via email communication. XXXX confirmed getting the notice and yet still ignored the request. XXXX and quick wallet gave ignored the communication. Resulting in 3 phone calls since then, Ive been reprimanded Due to the policy here at work.

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