vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I initially opened a dispute for Item Not As Described. That claim was closed by The Truist. The seller then agreed to issue a refund if I provided the serial numbers of the items I had issues with, with no return required. I provided this, and the seller agreed to a refund. The seller never issued a refund. The claim with The Truist was supposed to be re-opened under XXXX Code 13.6, which is Merchant Credit Not Issued, and is protected by Regulation E with mandatory full provisional credit. The Truist did not re-open the claim under 13.6 as instructed. They are claiming they will attempt to recover the funds because I am disputing goods/service. This is false, as I am no longer disputing the goods/service, but the refund the merchant agreed to provide me, as I met all criteria.

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: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Chase Bank Mishandling Tax Refund Check From Closed Account Complaint Against : JPMorgan Chase Bank I am filing this complaint regarding Chase Banks mishandling of my tax refund after it was deposited into a closed account. My tax refund was mistakenly deposited into a Chase account ending in XXXX that had already been closed. After learning this, I contacted Chase Bank and explained the situation. I was informed that I needed to visit a branch location in person to sign documents so my refund check could be mailed to me. I complied with Chases instructions and drove approximately XXXX hours each way ( XXXX hours round trip ) to the nearest branch location. During that visit, I : * Verified my identity * Signed the requested documents * Updated my mailing address with Chase After completing those steps, I contacted Chase again several days later to confirm the status. I was told by a representative that my check had been mailed to my updated address and that it would take approximately XXXX business days to arrive. After waiting the stated timeframe and still not receiving the check, I contacted Chase again. I was then told that the check had actually been sent to my old incorrect address despite the fact that I had already updated my address in person and completed all requested verification steps. Chase is now telling me I must once again travel approximately 5 hours round trip to a branch location to repeat the process because of their error. I believe Chase has mishandled my funds and failed to properly process my address correction after I complied with all requirements they gave me. Their repeated misinformation and errors have caused significant inconvenience, unnecessary travel, stress, and delay in receiving my tax refund. I contacted Chase regarding this matter on the following dates : * XX/XX/year> * XX/XX/year> * XX/XX/year> * XX/XX/year> * XX/XX/year> * XX/XX/year> I am requesting that Chase : 1. Immediately place a stop payment on any check mailed to the incorrect address 2. Reissue my tax refund check to my correct verified address 3. Confirm in writing the address they have on file 4. Provide a reasonable accommodation that does not require another XXXX round trip caused by their mistake 5. Investigate why representatives provided conflicting and inaccurate information 6. Reimburse reasonable expenses related to unnecessary travel caused by this issue Name : XXXX XXXX Phone Number : XXXX Last XXXX Digits of Closed Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I talked on the phone with a Cashapp representative to file a refund for a XXXX dollar transaction that was sent to XXXX account of XXXX, which is no longer in use. I was told the refund would take 3 to 5 days. After that time, I submitted a request to an online agent who responded that it can take up to XXXX days. Today marks the XXXX day, so I submitted a request once again and I am told that I will receive a notification when the refund is approved and submitted...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
Starting getting phone calls from this number and have no idea what they are or what debt I could possibly owe. Not seen any mail or anything else from this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
i want my us bank account be close and i want my social security number be remove from us bank please help me remove my social security number on us bank remove and delete this profils username XXXX XXXX US BANK delete all data

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am submitting this complaint as a supplement/rebuttal because my prior CFPB case became locked and I could not add a consumer rebuttal after I later discovered Capital Ones response and supporting documents were posted in the CFPB portal rather than being sent to me directly. I financed a vehicle through Capital One Auto Finance in XX/XX/XXXX. Before purchase, Capital One emailed me confirming I was pre-qualified for auto financing, provided a reference number, and stated the pre-qualification expiration date was XX/XX/XXXX. This means the pre-qualification was valid through early XX/XX/XXXX, covering the XX/XX/XXXX purchase timeframe. I also have written proof from the dealership that they were working with a Capital One Navigator approval for my deal. On XX/XX/XXXX, a XXXX XXXX representative emailed me with the subject Capital One Navigator Approval stating, I have your approval via Capital One, and requested pay stubs for me and my co-signer to complete the process. On XX/XX/XXXX, the dealer advised the credit application would be valid for XXXX days and directed me to complete the dealership application using the same information submitted for Capital One. However, Capital Ones CFPB portal response asserts that although there was a pre-qualification on XX/XX/XXXX, it expired, and that the XX/XX/XXXX purchase application had no pre-qualification associated with it. I dispute this characterization because ( XXXX ) Capital Ones own pre-qualification email shows an expiration date of XX/XX/XXXX and ( XXXX ) the dealers emails confirm they had a Capital One Navigator approval for my deal and were collecting documents to complete it. Capital One provided the retail installment contract/GAP amendment and payment history in the portal response and states the contract reflects {$15000.00} financed at 17.00 % APR, and that the dealer and customer negotiate final terms. But Capital One did not provide the key underwriting/pricing evidence I requested to verify whether the XXXX was marked up and whether any dealer participation/reserve/compensation applied : the actual lender approval terms/buy rate and the audit trail/system logs showing what approval was transmitted to the dealer and how/why the pre-qualification was treated as expired/unassociated despite the XX/XX/XXXX expiration email. I am requesting CFPB assistance to require Capital One to provide a complete, evidence-based response supported by the underlying system records and underwriting/pricing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
DEPTEDNELNET they never told me forbarrence was going to end and generated lates i asked them for the proof they said they sent and it was never provided. I am finally eligable for a home mortgage for myself and daughter as I been working hard the past 3 years to meet this goal in life as my daughter mother passed 3 years ago and we have to leave our current home as the memories are to harsh for us and the lates on the student loans are causing me to be denied for the mortgage. I told DEPTEDNELNET this and they refuse to remove on my transunion account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: IA

Complaint narrative:
I havent had access to my Social Security/disability for 3 months. Causing me to be homeless. I have emailed and called XXXX XXXX many many times. They kept requesting id, both certificate, and social security card. I many times sent all of the requested identification verification. Kept saying ID was expired and its brand new. It would take days for an email and it would just recycle same request over and over. It would sometimes take hrs to get them to answer the phone ( XXXX XXXX ) I just need this money to survive. COMPLAINT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: NC

Complaint narrative:
I was a victim of the XXXX XXXX XXXX on XX/XX/year> having received a call from the XXXX XXXX XXXX XXXX stating that there was a bench warrant out for my arrest and was scammed out of over {$45000.00}. Bitcoin Depot would not refund more than the {$25000.00} that was linked directly to my account although they have a $ XXXX a day maximum and the XXXX that was part of my scam was threatening me to get the rest of the money in so provided an additional number to complete the scam. I had all receipts highlighting that ALL of the funds were removed from MY PERSONAL BANK ACCOUNT, so the funds absolutely COULD and SHOULD be returned. In any case, I was told that Bitcoin Depot would provide me with an additional {$1000.00} and they have yet to mail my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: MO

Complaint narrative:
I was contacted twice per text from XXXX different numbers using the same wording, see below. Needless to say that I do not owe any debt, nor do I recognize any of the information provided in the message. Please note that as far as I can tell the mentioned phone number ( s ) do not match any of the publicly known contacts of Shepherd Outsourcing, so I am not sure if this is a debt or identity theft issue. This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX XXXX ( for which the current creditor is XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. XXXX Ref # XXXX License Number XXXX. Reply STOP to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is extremely upsetting to see that inaccurately reported accounts continue to appear on my credit reports. I have done everything I can to provide the necessary documentation, and I am pleading for a complete and careful review of the materials attached. My hope is that these matters can finally be resolved so I can stop worrying about them every day.

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 — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Company Name : PNC Bank BankProduct/Service : Checking Account ( Virtual Wallet with Performance Select ) Issue : Problem with a reward or bonus Complaint Description I am filing this complaint against PNC Bank for failing to honor the terms of a promotional signup bonus and providing conflicting, inaccurate information regarding the payout timeline. 1. Promotion Terms and Eligibility On XX/XX/XXXX, I opened a Virtual Wallet with Performance Select account under a promotion promising a {$400.00} bonus. The promotional terms state that the reward will be credited to the account within 6090 days after all qualifying conditions have been met. The promotion is still live on PNC 's website - https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html #. 2. Fulfillment of Requirements On XX/XX/XXXX, I received a qualifying direct deposit of {$5600.00}. PNC representatives have confirmed in writing that this deposit satisfied the requirements for the {$400.00} reward as of that date. 3. Breach of Timeline and Conflicting Information Despite meeting the requirements on XX/XX/XXXX, I have not received the bonus. The 90-day window expired on XX/XX/XXXX. I have contacted customer support three times, receiving inconsistent explanations each time : XX/XX/XXXX : A representative ( XXXX ) confirmed the requirements were met on XX/XX/XXXX and explicitly stated the XXXX window would end on XX/XX/XXXX, by which time I should be paid. XX/XX/XXXX : A second representative ( XXXX XXXX XXXX provided a different timeline, stating the payout occurs after the account has been open for 60 days and would be credited when the statement cuts between XX/XX/XXXX. XX/XX/XXXX : A third representative ( XXXX ) claimed the 60-90 day countdown did not begin until the month after the requirements were met ( XXXX ). However, this representative also acknowledged the bonus was overdue and claimed to " raise a feedback '' to have it credited immediately. 4. Current Status As of today, XX/XX/XXXX, the XX/XX/XXXX window has passed, the 90-day contractual window has passed, and no credit has been applied to my account. PNC Bank is currently in possession of my funds while failing to adhere to their own advertised promotional terms and the written assurances of their representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I took out a boat loan through BMO financial at the dealership where boat was purchased. I have paid the monthly installments on time or early every month since establishing loan. Many if not most months no payment has been applied towards the principal balance. The last 6 to 10 payments have 0 applied towards the principal balance.

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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am filing this complaint against IC System , Inc. regarding a collection account appearing on my XXXX credit report ( Account # XXXX, {$360.00}, Original Creditor : XXXX XXXX XXXX XXXX ). I have the following concerns : XXXX. INCONSISTENT BUREAU REPORTING : This account has already been removed from both my XXXX and XXXX credit reports. IC System is only continuing to report this account to Experian. The fact that the same debt was removed from two of the three major bureaus raises serious questions about the accuracy and verifiability of this account. 2. INACCURATE ORIGINAL CREDITOR INFORMATION : When this account was initially reported to XXXX, IC System was listed as both the collector and the original creditor simultaneously. This is factually inaccurate XXXX XXXX XXXX XXXX is the original creditor, not IC System. Reporting false creditor information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically the requirement that consumer reporting information be complete and accurate. XXXX. DISPUTE VERIFICATION FAILURE : I submitted a formal dispute with XXXX in XX/XX/year>. Rather than conducting a meaningful reinvestigation, IC System appears to have simply verified the account without correcting the inaccuracies described above. A rubber-stamp verification does not satisfy the reasonable reinvestigation standard required under FCRA Section XXXX. I am requesting that the CFPB investigate IC Systems reporting practices on this account and compel the deletion of this item from my XXXX credit report, consistent with its removal from XXXX and XXXX. Desired resolution : Deletion of this account from my XXXX credit report. Thank you for your assistance.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
My bank account at XXXX XXXX XXXX XXXX was frozen on XX/XX/year>, due to a XXXX XXXX XXXX ( Docket No. XXXX ) executed by the debt collection law firm Hayt, Hayt & Landau, P.L. The only funds in this account are direct deposits from Pennsylvania Unemployment Compensation, which are 100 % exempt from garnishment under both state and federal law. I provided the law firm with my redacted bank statements and an employer furlough letter proving the exempt status of these funds via email on Friday, XX/XX/year>. I sent a second written follow-up demand on Tuesday, XX/XX/year>, and left a direct voicemail for the agent handling the file. > Despite receiving undeniable proof that they are unlawfully withholding exempt government survival benefits, Hayt, Hayt & Landau has failed to release the hold or communicate a resolution. I have also filed a Claim for Exemption with the XXXX XXXX XXXX XXXX in the meantime. This law firm is knowingly violating the Fair Debt Collection Practices Act ( FDCPA ) by continuing to hold exempt government funds hostage after receiving concrete proof, causing me severe and immediate financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
Credit Acceptance Corporation is the lienholder for my vehicle. XXXX XXXX XXXX XXXX XXXXXXXX XXXX in Kansas issued an order finding that the vehicle 's major mechanical malfunction was not my fault. The dealership 's court-ordered repair failed immediately upon pickup, leaving the vehicle permanently disabled on the side of the road.Under the Federal FTC Holder Rule, the claims and defenses I have against the seller apply directly to the holder of this contract ( Credit Acceptance ). I have made numerous attempts to contact Credit Acceptance since XX/XX/XXXX, leaving multiple messages, but they refuse to answer or speak with me. Despite ignoring my disputes and a valid court order, they have reported negatively to my credit bureaus.Desired Resolution : I am demanding that Credit Acceptance immediately cease all negative credit reporting, freeze collection activities, completely rescind/unwind this loan contract under the FTC Holder Rule, and refund all payments made to date.

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