vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
On XX/XX/year> I transferred XXXX XXXX dollars from my XXXX account in XXXX to Wise in the USA. Wise confirmed on XX/XX/XXXX that they had received the money and retured it to my XXXX account citing that it had a missing Member ID number and since then I have been calling them every single day and they keep telling me that within 1 to 2 business days I would get my money back but unfortuntely I havent received my money back. I'm in the process of purchasing a house and need to pay 30 % down and the seller and my relator are after me to close this transaction as soon as possible because the closing date was XX/XX/year>. Now I'm in terrible situation and going through an extremely stressful situation. So I thought to reach out to you to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Subject : Fraudulent Credit Card Accounts, Unauthorized Bank Withdrawals, and Harassment by Concora Credit Dear CFPB, I am filing this complaint regarding XXXX credit card accounts that were fraudulently opened in my name : Milestone Card, Destiny Card, and Indigo Card, all issued under a company called Concora Credit. 
After discovering these accounts, I contacted Concora Credit. They conducted an investigation and confirmed the accounts were fraudulent. They provided documentation stating the accounts would be closed and that I would not be held responsible for any charges. 
However : Concora Credit failed to report the closure and fraud status to the credit bureaus, as they promised. 
Despite confirming the fraud, they continue to call me daily, starting as early as XXXX XXXX  and continuing until XXXX XXXX. On one occasion, I received XXXX calls in a single day, which is harassment and causing significant stress. 
Additionally, Concora Credit somehow obtained my XXXX checking account number and unauthorized withdrawals were made from my account to pay these fraudulent credit cards. I never authorized these payments. I provided documentation to XXXX proving the accounts were fraudulent, yet XXXX has not refunded my money and even closed my checking account.

I am requesting : 1. Immediate cessation of all collection calls and harassment.

2. Proper reporting to all credit bureaus that these accounts were fraudulent and closed, with no liability on my part.

3. Removal of any negative marks or inquiries related to these accounts from my credit report.

4. Full reimbursement of all unauthorized withdrawals from my XXXX  account, including any related fees. 
5. Assurance that Concora Credit and XXXX comply with all applicable laws regarding fraud resolution, fair debt collection, and unauthorized electronic fund transfers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: MN

Complaint narrative:
On XX/XX/year>, I received an email from XXXX  notifying me that my account had been suspended due to unusual activity that may have violated the User Agreement. They requested that I provide a valid photo ID through their Document Upload Form. The account freeze immediately prevented me from sending or receiving money, and limited access to withdrawals. 

Between XX/XX/XXXX and XX/XX/year>, I submitted the requested identification and responded promptly to all communications from XXXX. During this time, I continued to receive notifications regarding account activity, including standard account statements for XXXX. 

On XX/XX/year>, my funds totaling {$2900.00} were finally released and transferred back to my linked bank account. Despite this, XXXX  continued to restrict my account and later communicated that my account was permanently restricted. On XX/XX/year>, I contacted XXXX  requesting clarification regarding the basis for the permanent restriction, asking whether the restriction was due solely to an internal risk assessment and not due to any finding of unlawful conduct, fraud, or misuse of funds. Venmo has not provided a substantive response to this request. 

Throughout this process, I have not been made aware of any specific activity that violated the User Agreement or applicable law. The actions taken by XXXX  have caused disruption to my ability to use my account for normal transactions and created an implication of misconduct that I explicitly dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
CFPB Complaint Narrative ( Ready to Submit ) Issue : Bank denied my Regulation E fraud claim for an unauthorized debit card transaction. 

Narrative : On XX/XX/year> an unauthorized debit card transaction for {$220.00} was made at the XXXX XXXX XXXX using my debit card issued by Current. 
Dispute ID : XXXX. 

This was a physical card fraud incident. I accidentally left my debit card at an ATM at a convenience store located near XXXX XXXX XXXX in XXXX, Oregon. I did not have the card in my possession at the time of the transaction, and I did not authorize anyone to use it. 

I reported the transaction to Current promptly. Despite the clear circumstances of unauthorized use, Current denied my fraud claim. They did not provide : - A clear explanation for the denial - The evidence used to determine the transaction was authorized - The fraud investigators report - Internal notes - Any merchant documentation Under Regulation E ( 12 CFR 1005 ), I am not liable for unauthorized electronic fund transfers when I did not authorize the transaction and did not benefit from it. Because my physical card was taken and used without my permission, this transaction meets the legal definition of an unauthorized transfer. 

I am requesting the CFPBs assistance in requiring Current to : 1. Reopen and properly investigate my claim 2. Provide all documentation and evidence used in their determination 3. Issue a refund for the unauthorized transaction in accordance with Regulation E Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During the summer and fall of 2025 XXXX charged me several XXXX dollars on my account with many duplicate charges> They are impossible to contact and actually find out what I was charged for I contacted Chase and they reversed all of the charges of which were reversed back to XXXX. Chase would not tell me what I was being charged for and by doing this facilitate XXXX 's ability to keep charging me without a proper explanation of what I am being charged for. .Chase should be requiring proper documentation of charges by XXXX along with a proper phone number from XXXX that is actually staffed by human beings. Chase facilitaes XXXX 's arrogance towards their customers plus i want an explanation of what I have been charged for ; many of which were duplicate charges. 
Also this CFPB website is too light and the fonts too small and hard to read.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I received a phone call from Tower Loans prior to my due date of XX/XX/year>, offering a skip a payment for the month of XXXX and was asked if I needed any additional holiday money, to which I responded that I did not need any additional funding, but I would like to skip a payment. The phone call concluded and I was under the impression that my XXXX payment would be skipped per the phone call and offer I received. I received another phone call offering the same skip a payment to which I replied that I had already received a call and would like to have my XXXX payment skipped. The following week I received another call saying my account was past due. I informed the employee that I had spoken with someone twice about skipping my XXXX payment, he apologized for the confusion on his end and said he needed some information to process the skip a payment. I answered his questions, thanked him for his time and hung up. A received another call from Tower Loans indicating I needed to provide proof of income and sign my skip a payment paperwork. I email the necessary documents and scheduled a time to go sign the paper. I had vehicle troubles and could not keep my appointment, so I rescheduled. When I went into the establishment I was asked about current assets and if I had additional income, I informed the employee I was just there to sign a skip a payment form. He responded with I just need to get through these, respectfully I again answered his questions. When he was done he began to go over new loan information, new approved amounts and new monthly payment minimums. The numbers were incorrect from what I had been paying so I questioned why the difference in amounts and it was only then that I was told this would be a brand new loan. I informed the employee that I did not want a new loan and I was only interested in the proposed skip a payment. He informed me that the only way to skip a payment, or now XXXX  payments, would to be to begin a new loan. I informed the employee that I did not approve any of this new loan. I informed the employee that I would be calling the following day to speak with a supervisor about these issues and removing a late fee. I received a phone call the following morning from the branch manager inquiring about the issues I had with the process. I asked him if my credit had been ran for this unapproved process, he informed me that they had done a hard pull of my credit. I informed them that at no point in time did I give my consent to run my credit and at no point was I told I would be applying for a new loan. He responded with you probably just dont remember. There was no signature approval and no verbal agreement to have begun this process nor run my credit.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Elite Portfolio Management, LLC
State: KS

Complaint narrative:
Elite Portfolio Management, number doesnt match company number, received these XXXX messages. 
Elite Portfolio, debt collector : WE NEED TO TALK TO YOU! Current account status : XXXX. Without action, your account will be recalled back to our client. To help you resolve this, we are offering a XXXX time SETTLEMENT UP TO 50 % OFF! Log into pay.eliteportmgmt.com or call XXXX. STOP to opt out. 
XXXX XXXX, debt collector : Your acct has officially been flagged for RECALL. If no payment is made by XXXX today, your acct will be refered back to our client and reviewed for further action. Click XXXX or call XXXX. STOP to opt out. 
XXXX XXXX XXXX, a debt collector : Expiring Soon. Final settlement offer of up to 50 % off your balance. Call us at XXXX or click XXXX for huge savings. Reply STOP to opt out. 
When I tried to login it said none of my information matched

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, a {$190.00} authorization hold was placed on my Chime account for a XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX confirmed that the authorization was released on XX/XX/year> after the rental was completed and the final charges were paid in full. 
As of XX/XX/year>, the {$190.00} charge is still showing as pending in my Chime account, restricting access to my funds. This is an authorization hold, not a refund. 
I contacted Chime multiple times regarding this issue. Representatives provided inconsistent and incorrect information, including stating that I must wait up to 30 days despite merchant confirmation that the authorization was released. 
I requested escalation and spoke with a supervisor, who stated that Chimes system does not allow them to manually release the authorization hold. No further escalation or resolution was offered. 
Chimes failure to clear an expired, merchant-released authorization hold has improperly withheld my funds and demonstrates a lack of effective process to resolve authorization issues. I am requesting that Chime correct this pending authorization and restore access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My home sustained tornado damage on XX/XX/year> and my homeowners insurance company, XXXX, issued insurance proceeds for covered repairs. My mortgage servicer, PHH Mortgage, is holding a portion of these insurance funds. 

I have already paid multiple contractors out of pocket in order to move repairs forward. This includes full payment to a painting contractor and full payment for a garage door that has already been installed. I have also paid my insurance deductible. 

The remaining work is being handled by a general contractor who requires a 50 % down payment before beginning work. PHH Mortgage has released only a small portion of the insurance proceeds and is refusing to release additional funds unless work is completed and passes inspection. 

PHH required an inspection to determine whether more funds could be released. The inspection did not result in additional funds being released because the remaining work has not started. However, the work can not begin without access to additional insurance proceeds to pay the contractors required deposit. 

This has created a deadlock : PHH will not release funds until work is completed, but the contractor will not begin work without funds. I have repeatedly explained this situation to PHH over the course of several months and provided documentation, including paid invoices and contractor requirements. PHH has refused to provide any exception or alternative solution. 

As a result, PHH Mortgage is preventing completion of insured repairs by withholding insurance proceeds, despite the insurance company having already paid the claim and despite my good-faith efforts to comply with all requests. The property remains partially repaired and at continued risk. 

I am seeking release of sufficient insurance proceeds, or a reasonable exception, so repairs can begin and the claim can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
I am disputing Wells Fargos denial of my unauthorized electronic funds transfer claim under Regulation E ( 12 CFR 1005 ). 
On XX/XX/year>, I discovered unauthorized electronic transfers from my Wells Fargo checking account related to XXXX XXXX totaling {$3500.00}. I did not authorize these transfers. 
I notified Wells Fargo immediately after discovering the unauthorized activity and requested that my account be secured and account numbers replaced. Wells Fargos agent failed to take these steps at that time. Additional loss occurred after notice.

Wells Fargo issued provisional credit during its investigation, which confirms the bank initially treated the transaction as potentially unauthorized. The bank later reversed the provisional credit and denied the claim, labeling the transaction as authorized, without providing proof of authorization.

Wells Fargo acknowledges I was the victim of an imposter scam and admits service failure related to my initial call, yet still denied reimbursement. Regulation E requires banks to reimburse consumers for unauthorized electronic fund transfers and to take reasonable steps to prevent further loss after notice.

Wells Fargo also relied on the involvement of a third-party app to deny my claim. However, the transfer originated from my Wells Fargo account, and Regulation E applies regardless of any third-party payment app involvement. 
I am unable to provide XXXX XXXX transaction records because the XXXX XXXX account was closed following the fraud. Wells Fargo has access to its own transaction data and does not require third-party app access to comply with Regulation E.

I am requesting reimbursement of {$3500.00}, correction of my account balance, and a written explanation with documentation showing how Wells Fargo determined the transfer was authorized.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My business debit card through Wells Fargo had 3 small transaction attempts on Saturday XX/XX/XXXX. I called Wells Fargo fraud dept and put a claim in. The agent I spoke to said it was stopped and no need to close the debit card. 2 days later there was 6 transactions posted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  totaling {$1400.00}. I called again the Wells Fargo fraud dept and put a claim in. They closed my card and issued a new one. Fast forward to XX/XX/XXXX. The claim has been closed and Ive been told there was no fraudulent activity and the denied the claim. They wont let me put a complaint in myself. Said they have to do it for me and if Im lucky someone will call me. My hard earned money that was over a weeks worth of work gone. I have bank statements of the money being withdrawn from both claims.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> {$200.00} & {$300.00} was sent to XXXX XXXX because he represented himself as being a bondsman & that my son was in XXXX. I sent the money & went to the XXXX  to have my son XXXX  & he never was in XXXX XXXX XXXXXXXX XXXX doesn't represent XXXX XXXX XXXX at all even though he sent me paperwork with their letterhead on it. Explained it to Chime & filed a police report. Chime determined I authorized the charges, which I did, but they were under false pretenses.

Company response to consumer: Closed with explanation