vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened an account with Wells Fargo Bank on XXXX. I did not fund it right away, but I did ask Wells Fargo to initiate a transfer of {$500.00} from my XXXX account to the new Wells Fargo account. The transfer was initiated by Wells Fargo on XXXX. In the meantime, after reports from people in the area, I decided against switching banks. I called the customer service line on XXXX. I spoke with the agent and told him that I wanted to close the account, but I notified him that I did have an incoming deposit. He told me not to worry because it would be rejected. I then told him to proceed with closing it. I noticed on XXXX, that the {$500.00} hard posted as a withdrawal on my XXXX account. I called Wells Fargo, and they never mentioned that they didn't receive it, but said that if I had closed my account, it would reject and automatically go back to XXXX bank within XXXX business days. I waited until XX/XX/year>, and called Wells Fargo back, and they stated that they received the {$500.00}, and since the account was closed, they mailed me a refund cashier 's check for the {$500.00} on XXXX. She said that if I did not receive it by XXXX to call them back, and they would look into getting it reissued. I began calling Wells Fargo the morning on XXXX, and was promptly notified that there wasn't anything to return, and there was never a cashier 's check issued to me. They stated that they didn't have a record of accepting {$500.00} on my account, because the account was closed. I then called XXXX. They provided me with a screenshot of where Wells Fargo accepted the direct payment of {$500.00} on XXXX, and they had no record of receiving it back. We went back and forth XXXX and XXXX, and no one wants to accept responsibility. Both banks blame each other and are not willing to call XXXX another to get to the bottom of it. I can not afford to lose {$500.00}, but neither bank will do anything. I spoke with both banks again today, and was escalated to a different team at XXXX, and they told me that they have where the transaction was completed to Wells Fargo, but they never got it back. Wells Fargo said that there is nothing to investigate on their end, because they have no record of receiving the money. I truly believe that Wells Fargo is at fault here. They have somehow " misplaced '' my funds, and I just want them back. There must be something that can be done to hold them accountable, because they are just finger pointing.

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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid for a wallet with merchant XXXX XXXX. Initially I called the merchant and they couldnt find record of my purchase an I filed a dispute with my bank Citibank. Merchant sent a copy of a shipping label to my bank and denied my claim. I filed an appeal explaining I didnt receive the merchandise and Citibank refused to file my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I am filing this complaint regarding a 30-day late payment reported in XX/XX/year> during an active refinance payoff process. The loan was paid in full and closed in XX/XX/year>. The reported delinquency occurred during escrow coordination and payoff timing, not due to ongoing nonpayment. I previously attempted to resolve this directly with the lender without response. This was a single isolated incident during refinancing and does not reflect a pattern of delinquency. I am requesting a goodwill adjustment and removal of the 30-day late from my credit reporting due to refinance payoff timing and the loan being paid and closed in full.

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 2026-03-01 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: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I had XXXX XXXX do a balance transfer check number XXXX. It was issued on XX/XX/XXXX to the payee Comenity, Bread Financial tAAA amount for {$3400.00}. The check was cashed on.XXXX. I opened up a dispute with Comenity capital Bank in XXXX asking why is my balance not reduced they indicated they never received the payment. I then reached out to XXXX XXXX and they provided me a copy of the cash check on XX/XX/XXXX, as well as a copy of the back check showing that XXXX XXXX cashed the check. I did forwarded that copy of that cashed check to Comenity capital Bank. Comenity responded on XX/XX/XXXX, indicating that the payment was cashed by another company and that they werent part of Bread Financial which makes no sense because my monthly statements say to send the check to and make it out to Comenity XXXX XXXX XXXX signature part of the Community Bread Financial company. Please direct Comenity bank to credit my account back to XX/XX/XXXX for {$3400.00} and reimburse me all my fees and interest charged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, my bank debited {$500.00} via XXXX as a payment to my credit card because the issuers website would not accept debit card payments. My bank shows the transaction as posted and completed. Despite receipt of the payment, the issuer placed a credit-availability hold and advised that funds would not be available until on or by XX/XX/XXXX, citing card agreement language. The hold has caused material harm, including inability to purchase food and card declines at local businesses

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/year> made payment to OnePay credit card from OnePay checking debit card in the amount of {$200.00}. Processed correctly and later rejected even though both accounts are OnePay. {$200.00} was available in checking account. XX/XX/XXXX attempted payment for {$100.00} but this time instead of processing get error message. Spoke to both OnePay checking debit card customer service and OnePay credit card customer service and neither one can resolve the issue and get payment to properly post. Spent over four hours attempting to get issues resolved.

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 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I emailed and sent a letter via postal mail to XXXX on XX/XX/XXXX about a potential goodwill adjustment to my credit bureau reporting and was denied on the same day. I had paid off my XXXX account that was sent to NCB Management Services , Inc. on XX/XX/XXXX as seen in my attachments. I had also messaged their XXXX account on XX/XX/XXXX and on XX/XX/XXXX was given a response that an update had been submitted to the credit bureaus. I asked when was this update was submitted and was told to emailed. I emailed on XX/XX/XXXX about the timeline and got a response on XX/XX/XXXX stating that my account was in collections and they would be proceeding with collections procedure even though my account was paid off in XX/XX/XXXX. I sent them the proof of the payment and they refused to update my account on their side even though the account is paid. I've attached their correspondence as well as the status of my account with XXXX and NBC Management Services , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I went to the Wells Fargo Branch in XXXX XXXX XXXX XXXX in XXXX, NV to close my account on XXXX. XXXX. I withdrew all my funds to close my checking account. I was charged {$15.00} for a monthly fee on XX/XX/XXXX when I specifically closed my account. I have already contacted Wells Fargo to resolve this issue. Even though they claimed they will refund the {$15.00}, I wanted to file a complaint in case they continue to charge me again.

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 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year>, my wife and I were contacted, by phone,. staff by 2 individuals posing as XXXX XXXX XXXX XXXX XXXX XXXX Fraud Investigation Dept staff. They stated that someone was attempting to open a new bank account in my wife 's name. As we stated she was not doing it, one of the 2 callers, who identified himself as a fraud investigator, lured us into helping them get hold of a group of bank fraudsters, which they were after for several years. And that, by helping us capture those criminals, his bank and others would give us a substantial compensation. According to this man, the strategy was that they would deposit money in several of our accounts for us to go to several Western Union ( WU ) offices and make transfers to several members of the fraudsters group and, when those individuals made presence to collect the money at WU, the police would be called to trap them. Unfortunately, we XXXX XXXX XXXX over XXXX XXXX XXXX, both ) fell in their deceptive scheme, and made 5 or more transfers, each for {$20000.00} and more, to the individuals they'd give us their names and phone numbers, all in the XXXX XXXX. The deal was that, at the end of the " cycle '', we would receive the compensation we deserve for helping the bank industry get rid of those criminals and, at the same time, they would protect our accounts from further attacks. After the last transfer was completed at the 5th of five WU locations, a second " fraud investigator, '' who identified himself as a fraud investigator for XXXX XXXX told us to gather all the receipts we had, put them in a large envelope and write on it a code, he dictated to me on the phone. When I inquired : What about the name and address? He said : no need to write anything else, with that secret code the post office personnel will know where to deliver the envelope. As you folks can understand, the evidence of the crime that we can show to the authorities, were gone to the trash in a XXXX XXXX blue mail box. We requested aa copy of those receipts to Western Union, but they stated they couldn't help us, unless we provided them with the tracking numbers shown in the receipts. We're requesting from your agency to help us get copies of those receipts, so we can help catch those foreign criminals, who should live in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
NTL RECOVERY AGENCY Are reporting on my credit report that I owe them {$1400.00} on an account that does not belong to me. I have contacted them multiple times about their negative reporting to my credit report with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
To make this succinct, XXXX was 4 months late paying my taxes to the city, even though I repeatedly called them over the 4 months. They withdrew the payment from my escrow XX/XX/year>, but could not give me any kind of tracking number to prove that they sent it to the correct place. They then, In XX/XX/year> recalled this payment, and sent out a new one complete with late fees because they admitted they were wrong, This payment did not arrive to the city until the end of XX/XX/year>. All of this caused my 100 % disable the veteran exemption for taxes which would have allowed the {$1200.00} tax bill to be refunded back to me by the city, to be nullified since the payment was late. XXXX refuses to refund the money back to me, even though they admit that they were wrong and failed to do their only job, which is to collect escrow and pay my tax bills and insurance from escrow. I made no less than XXXX calls that were all no less than XXXX minutes long. They failed keep customers best interest, Instead greed is more important. Even if I wasn't a XXXX vet, this is terrible business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding actions that took place during a period when I was not in a stable state of mind. At the time, I was experiencing significant family trauma, emotional distress, and financial hardship. I was also intoxicated during the specific incident ( s ), which impaired my judgment and decision-making. On or around [ XX/XX/year> ) ], transactions totaling approximately [ {$8000.00} ] occurred on my account. During this time, my finances were already declining due to personal and family-related challenges. Because of my impaired state, I was not thinking clearly when these actions took place. I am not attempting to avoid responsibility, but I am asking for understanding and consideration given the circumstances. I respectfully request that the company review the situation and determine whether any assistance, adjustment, or resolution may be possible. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
A debt of {$1400.00} is being collected by Receivable Management Services on behalf of XXXX and XXXX being characterized as a payroll overpayment. The amount relates to wages paid during a Leave of Absence that began on XX/XX/XXXX. On XX/XX/XXXX, I notified my supervisor in writing of my LOA dates ( XX/XX/XXXX through XX/XX/XXXX ) and requested that any remaining PTO/PDO be applied during the leave period. My supervisor acknowledged receipt of this communication the same day. At no point was I advised that PTO/PDO use during LOA was prohibited, that my PTO/PDO balance was exhausted, or that continued PTO/PDO use would result in an overpayment. XXXX subsequently processed payroll and issued payment. No contemporaneous notice of overpayment, payroll correction, repayment obligation, or wage recovery was provided at the time payment was issued or at the time of final paycheck issuance. Several months later, XXXX issued a Notification of Payroll Overpayment and an internal overpayment calculation worksheet retroactively reclassifying the wages as an overpayment. Prior to this notification, no payroll reconciliation or opportunity to resolve the matter through internal payroll processes was provided. In XX/XX/XXXX, I formally disputed the alleged overpayment in writing and requested documentation, including the applicable PTO policy, notice of PTO exhaustion, payroll reconciliation, and legal authority authorizing post-termination wage recovery. These requests were not substantively addressed. The requested policy documentation and justification supporting wage recoupment were not provided. Despite the unresolved written dispute and lack of validation, the matter was referred to a third-party debt collector, and collection activity commenced. This matter involves disputed wages arising from employer payroll processing and an unresolved internal payroll dispute, not consumer, medical, or credit debt.

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 2026-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I have been charged XXXX in late fees but I've never been late or missed a payment. PHH Mortgage refuses to add my payments to my monthly dues and instead adds them directly to principal then puts my account in delinquency and charges late fees. I submitted their form three times to try and setup bi-monthly payments, but the emails they provide are not current and have been closed. Then after I signed and submitted the form for the final time they recorded the incorrect amount to be taken out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I am filing this formal complaint against PHEAA ( XXXX American Education Services, AES ) regarding the failure to return a verified overpayment of {$9700.00}. This delay has forced me to take emergency personal loans from my family to satisfy university requirements. 1. Background of the Financial Error My university issued a full tuition refund for the XXXX XXXX semester as I am completing an internship. Mistakenly believing I was responsible for forwarding these funds to my servicer, I made a payment of {$9700.00} to AES. When the university corrected the ledger and required those funds back, I requested a refund from AES on XX/XX/XXXX. Because AES failed to return my money, I had to borrow the full amount from my parents in increments of {$2000.00}, {$3500.00}, {$3500.00}, and {$2000.00} to pay the university. 2. Evidence of Financial Harm ( See Attached XX/XX/XXXX Bank Statement ) My attached bank statement provides a transparent record of this crisis. I have annotated the statement to show : The initial {$9700.00} overpayment to AES. The four emergency deposits from my parents totaling {$11000.00} to bridge the gap. Internal transfers between my Checking and Savings accounts. I initially moved {$9700.00} to my savings to prevent the accidental payment from processing. Upon learning that XXXX would still pull from savings or trigger an overdraft for ACH requests, I transferred the funds back to checking to ensure the account remained in good standing. 3. Pattern of Negligence & Deceptive Communication I have made eight ( 8 ) telephonic inquiries totaling 99 minutes of airtime ( phone logs attached ). AES has provided contradictory updates, claiming checks were mailed on XX/XX/XXXX and XX/XX/XXXX. No check numbers or tracking were provided. XX/XX/XXXX : Initial request ( promised ACH ). XX/XX/XXXX : Follow-up ( ACH missing ). XX/XX/XXXX : Claimed check mailed XX/XX/XXXX. XX/XX/XXXX : ( 2 calls, 41 mins ) Claimed check re-mailed XX/XX/XXXX. XX/XX/XXXX, XXXX : Repeated follow-ups ; no tracking information or information about a new check provided I have moved address for my internship ( moved on XX/XX/XXXX ) and on XX/XX/XXXX, specifically requested any check be sent to the new address where I have moved. On XX/XX/XXXX, AES sent a " canned '' email claiming the matter was " resolved. '' This is a deceptive statement ; no funds have been received. 4. Demand for Resolution I am no longer accepting " standard mail '' as a solution. I demand, as I requested in the email attached : Confirmation that all previously issued checks have been canceled, and An Immediate ACH Reversal to my XXXX Checking account with a Trace ID provided OR a physical check sent via Overnight Express ( XXXX ) to my current mailing address with a tracking number provided within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I have a checking and savings account at credit karma. I changed my phone number back in XXXX of last year which made it impossible to access my account. They ask for all my personal information to confirm my identity like birthday, full social security number and my email address on file which I had to confirm access to. They tell me I have to submit documents to confirm my identity before they will change my number and allow me access to my account. I started the first verification process on XXXX and I have submitted pictures of my id over XXXX different times. There verification service tells me that the verification is successful but they always tell me there is a problem with your documents. The pictures are perfectly clear and readable. They literally can not get any better. My paycheck goes into this account every week and I just withdrawal through XXXX XXXX or XXXX. I have no real access to my bank account and every time I contact customer service they send me the same link and say the same thing. I don't know what else to do

Company response to consumer: Closed with non-monetary relief