vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
on XX/XX/year> i went to my bank ( XXXX XXXX XXXX ) to transfer {$43000.00} to XXXX of my suppliers using their bank information ( M & T BANK XXXX XXXX XXXX XXXX, NEWYORK XXXX ) the funds left my account instantly, but my supplier didn't receive it, after i checked my paper work i found out that an extra number was added to the right bank account number, it could be my mistake or the XXXX mistake, i am not sure. i went back to my bank and i filed dispute and recall on the funds. i called M & T bank to get more info, they told me that the account number i used wasn't generated and it was wrong and the money got rejected and sent back, but i never received the funds back and my bank said they haven't seen any rejected order. i called M & T bank many times asking about further information ( like confirmation number or tracking info to track the funds when they sent back ), but every time i call them they tell i have to have my bank contact them. the wire team from my bank contacted M & T bank XXXX times, but they never got respond back. after XXXX days now and they haven't resolved my issue and i am still back and forth between the XXXX banks, i don't know what to do i got notified from my bank that the case got closed, but i request them to reopen it i filed that with the local police, and with IC3

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 2026-03-02 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
In XX/XX/year> I owed XXXX XXXX XXXX XXXX XXXX which was paid on time through my bank as attached on XXXX XXXX, before XXXX bays passes I received another bill with late fees totaling XXXX which I knew I didnz owe but paid on XXXX XXXX so it wouldn't be reported while I figures this out. I have included bank statements showing all XXXX payments were made because they mailed me XXXX reimbursement checks for over payment XXXX. I'm the amt of XXXX and another in the amt of XXXX the XXXX amts I overpaid so I deposited them they are also attached. Since then Barclay has continued to harass me emailing, calling and mailing me bills every month or twice a month adding late fees saying I never paid once but proof was sent to them from my bank and they refuse to fix it even after they terminated the card. They have destroyed my credit over their mistakes. I'm attaching bank statements, letter copy of reimbursement checks ans letter from Barclay. This jas gotten out of hand even XXXX XXXX has tried to proove to them their mistake and they argue but then why would they mail be reimbursement checks in the exact amt i over payed?

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 2026-03-02 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: Experian Information Solutions 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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I bought a new XXXX XXXX XXXX vehicle ( VIN : XXXX ) more than XXXX years ago ( financed through XXXX XXXX XXXX, Account : XXXX ), and even though I made all my payments on time and paid the loan in XXXX last year, my electronic lien has not been lifted even after multiple calls, rendering me unable to receive my title. I submitted online complaint with them ( even wrote that if issue is not resolved I will file complaint with CFPB ), but received no response. I even looked up the leadership of XXXX XXXX online and sent complaint emails to their leadership, XXXX person reached out by email and she said she has forwarded my complaint to XXXX XXXX XXXX, and they will resolve this, but nothing happened, the lease hold is still in place. At last, exhausted and out of no options I am filing this complaint with you, hoping you will help me. Thank you. Name : XXXX XXXX Phone : 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 2026-03-02 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: NH

Complaint narrative:
The promotional balance transfer end date is not on statements or anywhere on the website. When I asked the rep to help me find it she did agree that it was not available. And that the only place that I could find it was through a rep or in the initial promotional offer letter.

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 is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 is not yours
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I canceled my American Express credit XX/XX/year> throught their online chat. I did not receive any cancelation paperwork, so I went back on their chat XX/XX/year> to confirm that the card was canceled. I was trying to avoid being charged another annual fee. They did confirm on the chat the card was canceled on XX/XX/year>. Then on XX/XX/year>, I was charged {$150.00} AFTER my card was canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I received a {$1000.00} in my account. It got into chime bank at XXXX XXXX. The morning of XX/XX/year>. My house was raided. I got XXXX at XXXX XXXX. When I received money I put XXXX in my XXXX XXXX card. And XXXX into XXXX XXXX. And the remaining XXXX stayed in my checking. When I got released from XXXX, I came to check my balance and it had been hacked. It was empty. I called chime to dispute this, and it has been downhill. Every cens, they claim that they have repaid me all that was taken out of my account. They have not, they have no records of the XXXX 's XXXX charges. They're so many charges here and when I called chime and spoke to a gentleman, one of em hung up on me, another one told me to call and search and find out where all this stuff was coming from. So I called these places, some is in California. Some was in XXXX Arizona, the XXXX XXXX & XXXX was in XXXX. I don't know what these people are doing. but I was wondering if you guys could help me, because I really need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX, XXXX GA XXXX they didn't send me the follow documents like they were supposed to prove the debt is mine. i requested the following documents, the bill of sale, the transfer agreement, they need to give me a document stating i agreed to the debt, etc. they didn't give me these things to prove the debt is mine. They didn't have the right to claim and make accusation that i will pay the debt. I didn't agree to the debt. They didn't show my amount that is owed, or the person who issued. i want the debt removed from all my credit reports. i don't have any paperwork to give them. They violated my rights when it came to information posted on my report claiming its mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Under CFPB Case No. XXXX, Barclays issued a written response dated XX/XX/year> stating that my dispute claim was accepted and that credits totaling {$1000.00} had been issued to my account and would appear on my XX/XX/year> billing statement. As of today ( XX/XX/year> ), the credit has not been applied. The {$1000.00} amount remains on my account and continues to accrue interest. I have continued making minimum payments to avoid negative reporting. On XX/XX/year>, I spoke with XXXX from the Barclays XXXX of the XXXX. She stated the credit should have already posted and promised to investigate and follow up. No follow-up has been provided and no credit has been applied. This complaint concerns Barclays failure to execute its confirmed resolution and failure to provide written clarification despite my request.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
Validation of Debt Request - LMMINC/XXXX - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
They have asked me to receive money into my account withdraw it then go get a card at stores like XXXX get a card to pay {$500.00} to XXXX for an insurance for if I get sick ect for payment insurance XX/XX/year>

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 2026-03-02 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased an item from Best Buy online in the amount of {$480.00}, which was charged to my Best Buy credit card issued by Citibank. The item was shipped to my home. Best Buys published return policy at the time of purchase stated that online purchases could be returned by mail using a prepaid return label. That return option was important to my purchase decision. On XX/XX/XXXX, I contacted Best Buy to initiate a return within the applicable return period. Best Buy confirmed in writing that they would not provide a prepaid shipping label and required that the item be returned in-store only. This restriction was not clearly disclosed in the published return policy for this item. Because I was unable to obtain a mail-in return option despite requesting it within the return window, I filed a dispute with Citibank on XX/XX/XXXX. On XX/XX/XXXX, a provisional credit was issued. I provided documentation including the published return policy and the merchants written refusal to provide a return label. Citibank subsequently denied the dispute, first stating that the merchants return policy was not followed, and then issuing a final determination stating that no billing error occurred. The denial did not address the discrepancy between the advertised return terms and the merchants refusal to provide a mail-in return option. The dispute process extended beyond the merchants return window. As a result, the return period has now expired and I am no longer able to return the item. I am requesting review of whether the issuer properly evaluated the dispute, including whether advertised return terms that were relied upon at the time of purchase were honored.

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 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, Order Number XXXX was placed with XXXX XXXX hereinafter the Merchant ) and the Consumer requested for cancellation at XXXX XXXX ET, the same minute of purchase. XXXX processed the request under Cancel ID XXXX and returned a denial response, stating, We werent able to cancel this order as the seller [ Seller ID : XXXX ] already shipped the item on XX/XX/year> under Tracking Number XXXX. XXXX sent a notice of shipment on XX/XX/year>, at XXXX XXXX ET, stating let the tracking begin! with service by USPS as the courier. USPS confirmed acceptance of the item at the USPS Origin Facility in XXXX, MO XXXX on XX/XX/year>, at XXXX XXXX. Both XXXX and USPSs documentation confirm the item was not shipped by seller XXXX at the time of the request of cancellation. The Consumer opened a dispute case for the fraudulent Merchant misrepresentation with Capital One , N.A . ( hereinafter the XXXX ), on XX/XX/year>, under Case Number : XXXX. The Creditor stated, the Merchant responded to the claim, and required more information from the Consumer. The Consumer called the Creditor ( XXXX ) on XX/XX/year>, to provide all the logs and metadata associated with the preceding paragraph. The same day, the Creditor sent a form letter, with a denial without a conduct of a reasonable investigation or a reasonable explanation. On XX/XX/year>, the Consumer sent a Formal Notice of Billing Error and Failure to Investigate to the Creditor, at XXXX XXXX ET, pursuant to FCBA 15 U.S.C. 1666, 12 CFR 1026.13 ( f ), and XXXX. XXXX. XXXX XXXX predicating XXXX. XXXX. XXXX. The letter demanded, " documentary evidence and a reasonable explanation of denial, and cited that failure to investigate and provide a reasonable explanation triggered the forfeiture penalty. The XXXX noted, " A courtesy Preservation of Evidence is provided, under XXXX. XXXX XXXX. XXXX XXXX. On XX/XX/year>, the Creditor responded with the same form letter the Consumer received on XX/XX/year>, and failed to meet any of the demands. The Consumer is now seeking regulatory assistance on the matter.

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 is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action. Your cooperation in providing the necessary documentation is appreciated and will help resolve this matter promptly. Please send all correspondence regarding this matter to the address listed above. If you are unable to provide the requested information, kindly inform me in writing.

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo charged my account {$180.00} on XXXX/XXXXXXXX. I contacted them on XXXX And sent in all documents I had providing my claim. I spoke to XXXX @ XXXX XXXX XXXX XXXX stated he was a manager ) XX/XX/year> told me to send in supporting documents to my claim and I sent everything over. Called 48 hours representative stated they received my documents. To give them 48 hours to look over it. XXXX XXXX ( cant remember name ) XX/XX/year> ( asked for an update he stated my last 4 digits was incorrect to avoid working with me. He asked to me to check the app for correct number and my correct number is to still the same. After I told him that he hung up on me. I was told the call was recorded so they can pull that information up. I asked to speak to a manager he stated there is not one which I know there is one on duty. XXXX XXXX XXXX XX/XX/year> I spoke with this lady she gave me the run around I asked to speak to a manager and she transfer me. XXXX XXXX XXXX XX/XX/year> I spoke to XXXX and stated they denied my claim AGAIN because frontier doesnt do refunds. Which is crazy because XXXX just stated I had to cancel in 7 days. Now I showed proof of cancellation within the 7 days its something else. I asked to speak to claims manager. XXXX XXXX XXXX XX/XX/year> stated they cant reopen my claim because they dont want to lose another claim after I sent in documents showing the customer was RIGHT. I sent in all my documents proving I cancelled within the 7 days of flight and they still denied my claim. XXXX stated she couldnt help. After providing ALL EVIDENCE Wells Fargo still denied my claim.

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 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NJ

Complaint narrative:
Beginning in XX/XX/XXXX, I was actively communicating with XXXX regarding a defective machine and concerns about oil quality. During this time, I requested cancellation of the oil subscription. I was not receiving oils for several months, yet the account reflects charges for products that were not delivered. On XX/XX/XXXX, I was informed that the account had been placed in collections due to nonpayment. This referral occurred while the account was under active dispute and while I was attempting in good faith to resolve the billing and product concerns. On XX/XX/XXXX, I formally disputed the referral to collections in writing and requested recall of the account, correction of charges for undelivered products, and removal of negative reporting. I did not receive a substantive resolution. After the account was placed with XXXX XXXX, I sent a written debt validation request via certified mail. The letter was delivered, but no validation or documentation supporting the debt was provided. Despite this, the account continues to be reported as a collection. Referring a disputed account to collections and continuing to report it without providing proper validation raises concerns under applicable federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting deletion of this account or full written validation of the alleged debt. I am requesting deletion of this account or full written validation of the alleged debt.

Company response to consumer: Closed with explanation