vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: LA

Complaint narrative:
I made two payments on XX/XX/XXXX to XXXX XXXX. one with my personal credit card for {$100.00} and then right after a payment to XXXX with my XXXX XXXX for {$100.00}. Since i did the payments back to back - XXXX XXXX did NOT receive my payment of {$100.00} from XXXX XXXX on XX/XX/XXXX. It shows on the receipt that the payments is not there. I have done a dispute with XXXX and I have called them multiple times to appeal. They denied my claim to give my money back even though i have proof. Two representatives with XXXX have told me I shouldve received my money back through XXXX and then other representative I talked to say I should get an email, but I have not gotten any email about my dispute. They have {$100.00} of mine and they will not give it back! I am getting no resolution. Im hoping this could help me. as you can see what I uploaded was a a payment for my XXXX on XX/XX/XXXX to XXXX XXXX my XXXX card. The last four for my XXXX card is XXXX and you can see that there is no payment for {$100.00} to XXXX XXXX but it did take it out of my XXXX account. I still do not have that money back. Where it states payment successful on my XXXX payment is where the first credit card for XXXX went through not the XXXX card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mortgage Research Center, LLC
State: AL

Complaint narrative:
They agreed to pay XXXX in concessions they lender ran up XXXX I miscellaneous charges that completely depleted the entire XXXX I paying sfor money I did t have applied to my account additional my documents deferred the realty company represented bothe seller and baiter the seller was XXXX XXXX herself they had a working relay they didnt disclose

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
The company is Waypoint Resource group LLC They have reached out multiple times, on XX/XX/XXXX I asked them to stop, it clearly states on the text to opt out reply stop, I guess that doesn't matter, they reached out again today at XXXX. They call at XXXX before I am even up, they refuse to give main names and only use the business, the number provided is XXXX which i am sure just goes to XXXX of their agents.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Subject : Formal Dispute Account abuse / Request for Reinvestigation and Deletion To Whom It May Concern, I am writing to dispute the information appearing in my Early Warning Services consumer report concerning an alleged unpaid negative balance / account abuse entry. I dispute the completeness, accuracy, and verification of this reporting and request a reasonable reinvestigation pursuant to 15 U.S.C. 1681i and review for compliance with 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 Account Name : WELLS FARGO XXXX XXXX XXXX Account XXXX : XXXX Bank Routing # : XXXX Please investigate and verify the following information : XXXX. The full name of the financial institution that furnished the information. XXXX. The exact amount of the alleged unpaid negative balance. XXXX. The date the balance was created. XXXX. The date of first delinquency or closure ( if applicable ). XXXX. The transaction history used to calculate the balance. XXXX. The contractual or account basis showing I am responsible for the reported amount. XXXX. Whether fees, adjustments, or reversals were included in the balance. XXXX. The exact basis for labeling the account as account abuse instead of another account status. XXXX. Confirmation that all identifying information connected to this entry belongs to me and was matched accurately. If the information can not be completely verified, or if the reporting is inaccurate, incomplete, unsupported, or misleading, I request deletion of the disputed entry from my EWS consumer file. Please provide : Written results of the reinvestigation ; The outcome of each disputed item ; An updated copy of my EWS consumer report after completion. Enclosed are copies of identification and supporting documentation. Sincerely, XXXX 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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I am submitting this complaint regarding the actions of Weltman , Weinberg & Reis CoXXXX, LPA, acting on behalf of XXXX XXXX, in connection with an alleged debt they claim I owe. In XXXX, I received a collection letter from Weltman , Weinberg & Reis Co. regarding this alleged debt. Upon receiving the notice, I promptly contacted the firm using the phone number provided and formally requested validation of the debt, including supporting documentation. I also submitted a written request for debt validation shortly thereafter. Instead of providing the requested validation, Weltman escalated the matter by initiating legal proceedings against me. This action was taken without first fulfilling their obligation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide verification of a debt upon request before continuing collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: CA

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: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I am filing a complaint regarding a Western Union transfer. The transaction was marked as paid, but no funds were received. My mom sent me money via Western Union money transfer from the XXXX XXXX to the United States on XX/XX/year> ( XXXX $ ) The issue occurred at a XXXX location where the agent started the payout ( on XX/XX/year> ) but did not complete it due to a limit restriction. Western Union confirmed this was an agent error, but the transfer remains in a paid status and I can not access my money. We called the Western Union hotline almost every day, but they sent us to XXXX, and the XXXX employees told us to call XXXX XXXX. It was very difficult we just cried Finally, on XX/XX/XXXX, XXXX provided all the evidence for Western Union that we hadn't received the funds, and the agent promised us that they would call us in XXXX hours, but no one called... We kept calling And on XX/XX/XXXX, Western Union opened an investigation and promised us that the answer would be in 20 days. There is still no answer When we call, we are redirected from XXXX agent to another and they say that our application is being considered, they cant do anything, they said just wait They drag out time and and we dont believe that in todays world, where there are cameras, where everything is official, people do this.Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Zendable, Inc.
State: TX

Complaint narrative:
Here 's a polished version of your complaint : Account Number : XXXX Subject : Complaint Regarding Removal of Loan Account Information from Online Portal and Inconsistent Autopayment Processing I am filing this complaint against Zable Financial for XXXX XXXX XXXX failures that I believe constitute violations of my loan agreement. Issue XXXX : Removal of Loan Account Detail from Online Portal On XX/XX/year>, Zable launched a new online portal that no longer provides access to critical loan account information that was previously available to me. I first noticed this on XX/XX/year>, and contacted Zable by phone on XX/XX/year>, to report the issue. After spending approximately XXXX hour on the phone walking a representative through the portal step by step, I received only a partial answer to XXXX of my questions. My remaining concerns were left unresolved. The information I am entitled to access and that is no longer readily available includes : Current unpaid principal balance Total interest paid to date and remaining interest owed A breakdown of how each payment has been applied to principal and interest Full payment and statement history for XXXX XXXX to this information is essential for me to verify my loan balance, monitor how my payments are being applied, and ensure the accuracy of my account. Removing this access is a serious servicing and disclosure failure. Issue XXXX : XXXX Not XXXX on the Agreed Date My loan agreement specifies that automatic payments will be withdrawn on the XXXX of each month. However, Zable has repeatedly failed to process these payments on the agreed date. Withdrawals have been processed as much as XXXX weeks late on multiple occasions. This inconsistency creates uncertainty about my account standing and may result in unwarranted fees, credit reporting issues, or other harm to me as the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding the debt collection practices of William and Rush XXXX XXXX concerning an alleged debt originally associated with XXXX. This debt was charged off years ago as I acquired information from original creditor. Recently, I discovered that William and Rush XXXX XXXX has allegedly acquired the debt illegally and is attempting to collect an amount that exceeds the original balance owed. I have not received proper notice of the alleged transfer of the debt, validation of the debt, or documentation supporting the amount they claim I owe. My concern is that this debt has been " debt parked. The firm does not appear to have my current address or telephone number, yet the debt has surfaced with an inflated balance that includes fees, interest, or other charges that have not been adequately explained. XXXX was shut down in XX/XX/year> and was liquidated, less than three months after filing for XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: NE

Complaint narrative:
I have instructed Zwicker & Associates, XXXX. to stop emailing or calling me, and to direct contacts to my attorney. I have emailed them twice now but they continue to call and email me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RTO National
State: SC

Complaint narrative:
Purchased a shed that was financed though RTO national was under the impression loan amount was XXXX never received information about the actual total once finances until a year later upon request at the time was told loan increase to XXXX! Came across financial difficulties after making alterations to the shed and was told it would be repossessed. Tried communicating with the lender but was always told to contact the actual purchaser which was XXXX XXXX. They never had anyone in the office couldnt get any one on the phone!

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 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I started receiving collection calls after the XXXX XXXX breach. At the time, I found an old statement with the credit card number from the Citibank credit card account they were referencing and called Citibank directly to see if they had inadvertently included my credit card with a collection process. Citibank confirmed that I had paid the credit card off in XXXX and it had NOT been sent out to collections. The next collection call that I received, I spoke with a representative that had called and I provided this information and the calls stopped for a few years. They have now started again and I can not find the statement and notes I had on it, but am now receiving collection calls from the " XXXX XXXX XXXX '' with the following numbers to call them back : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have blocked a dozen or so numbers, but they keep calling. They are calling my work cell phone that I've had for over XXXX years as a XXXX XXXX and XXXX XXXX, so I can not ignore phone calls from my insurance group 's members who may not be saved in my phone yet. What is the best way to handle this as I know the calls are fraudulent?

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 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding my XXXX XXXX card account and the improper removal of funds from my account. In XX/XX/year>, unauthorized charges connected to XXXX XXXX were taken from my account totaling approximately {$300.00}. I immediately disputed the charges because I did not authorize or make those transactions. A provisional credit was issued during the investigation ; however, I never received proper notice regarding the provisional credit or any explanation that it would later be reversed. After the credit was removed, I resubmitted my claim and was later informed that the investigation was reopened and decided in my favor. I had not received XXXX XXXX payments since XX/XX/year>. On XX/XX/year>, a child support deposit of approximately {$480.00} was posted to my account. Immediately afterward, the entire deposit was removed, and my account was placed into a negative balance. I was then told that old transactions caused the overdraft ; however : * This is a child support/prepaid card account that does not normally allow overdrafts * I was not provided advance notice or proper written explanation * I have not received documentation proving the alleged old transactions * I have not received a complete accounting showing how my balance became negative * I believe funds may have been improperly removed in violation of federal electronic fund transfer protections I am formally requesting : 1. A complete transaction ledger from XX/XX/year> through the present 2. Copies of all dispute investigation findings and determinations 3. Documentation of all alleged old transactions 4. Written explanation of how my account was placed into a negative balance 5. Immediate restoration of any improperly removed child support funds If this matter is not resolved promptly, I will continue pursuing complaints through the Consumer Financial Protection Bureau and all applicable state agencie

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I originally tried requesting a debt collections letter multiple times through XXXX as I did not have a way to contact the business. I then made a CFPB complaint and the business sent me a latter notifying me of the alleged debt. I then emailed them a dispute email which they did not respond to. I then emailed a debt collections letter via mail which they have not responded to because USPS is delayed in XXXX for some reason. See attached screenshot. All within 30 days. The company is just ignoring me and refusing to remove the debt which is not mind. Any reasonable 21st century company should be able to have fixed this already. Even if notification is only be email so far. I mean, they can respond to these complaints right?

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 2026-06-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern : Subject : Final Escalation and -Fraud, Coercion and Unauthorized Credit Activity. I am formally requesting a reinvestigation of the denial of my dispute regarding the {$6900.00} Care Credit transaction with XXXX XXXX in XXXX, Florida. I am filing this complaint regarding Care Credit/Synchrony Banks refusal to properly investigate a transaction involving coercion and unauthorized credit activity related to the {$6900.00} transaction with XXXX XXXX in XXXX Florida XXXX This matter has been incorrectly treated as a standard billing dispute repeated notice that it involves coercion and unauthorized credit activity I did not provide my Care Credit card or authorize a credit limit to increase. I was later informed that the information was taken from my drivers license without my permission. The transaction documentation reflects XXXX code XXXX indicating my identity and address were not properly verified. The receipt also shows all items listed as {$0.00} with a total charge of {$6900.00}, which is not transparent and did not allow me to understand what I was agreeing to. At the time of signing, I was physically unwell, under pressure, and repeatedly attempting to leave. I informed the employee several times that I was not interested and needed to leave. I am seventy-year-old women with a rare XXXX and severe XXXX XXXX. I just had a XXXX XXXX because I was in severe pain. I was uncomfortable with the conversation. I signed the documents under distress after being kept in a room for over XXXX hours. We were the only two people in the building. I attempted to return the unused device the following day and was refused. The device remains unused and in its original condition. This was not a valid or voluntary transaction and should be treated as fraud and coercion not a standard billing dispute. Enclosed will be copies of the transaction Sincerely, XXXX XXXX XXXX Care Credit Acct 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 monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In early XXXX, I received a letter dated XX/XX/XXXX from Truist Bank transferring my note to XXXX real estate holdings. I then contacted XXXX XXXX recorders office to make sure this document had been recorded due to previous issues in the past with Truist and SunTrust Mortgage as noted in prior complaints, findingTruist did not record this document. I then proceeded to notify Truist Bank requesting that they record the new document due to prior legal actions from XXXX costing myself along with the mortgage company hundreds of thousands of dollars. Truist notified me back stating they were not required to record the document. Although they XXXX not be required by law to record this document, I have requested it to be recorded based on the XXXX crash and to protect myself as a consumer from 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