vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Please note that I have all communications recorded with this company. 

I started receiving phone calls from this company roughly around a month ago. The call started at XXXX AM and will go all the way until XXXX PM. At one point in time the latest that I received a phone call from them was at XXXX PM. 

I reached out to the company yesterday to find out what this debt was in regards to when I got on the phone with the first representative. He wasn't very helpful or professional. I will take some accountability in this matter and I matched his energy level on the phone after he told me that this debt was already being reported to all my credit profile. I don't know how this is possible when I didn't receive anything in writing. 

Lastly, this is a question of ethics. I did some research on my own and I understand that in order to be a debt recovery agency in XXXX, you have to hold a license from the state of XXXX. If you look on there website, the company licenses are from the states of XXXX XXXX, but both the parent company and NCB LLC 's are based in XXXX Im having a hard time trying to understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a bank customer with Wells Fargo for XXXX XXXX XXXX  now. My veteran 's XXXX gets deposited there, as well as my XXXX  employee income from XXXX XXXX XXXX XXXX 

Wells Fargo has deliberately allowed transactions to come out of my account even with zero funds, so that it may collect a {$35.00} fee per transaction. The transaction may be {$1.00} and wells Fargo will allow it to go through even without funds in the account to charge me a {$35.00} overdraft fee for the {$1.00} transaction. I've been tracking it for the entire tenure of my banking history with them. I have several emails about these transactions being declined due to insufficient funds in my account- just for me to open the account and see the Wells Fargo has actually allowed the declined transactions to post because they are GROSSLY making more money in overdraft fees than it would ever even allow me to overdraft. 

Making {$34.00} on a {$1.00} transaction is 3400 % profit margin PER TRANSACTION. Wells Fargo does not allow me to withdraw my account more than {$300.00} from an ATM at any point. Yet it will allow charges to come from my bank account up to {$600.00} and HALF OF THEM ARE OVERDRAFT FEES!!!! 

They are intentionally being a predatory bank by now allowing DECLINED transactions to be declined- while denying me options to overdraft my account on my own for this amount. Only THEY can do it to collect overdraft fees PER ATTEMPTED transaction on my debit card. 

They have collected XXXXXXXX XXXX in overdraft fees from me since my account has opened with them. 

I plan to pursue arbitration for these illegal overdraft fees and the scam of declining a transaction- I have proven declination emails PER TRANSACTION- just for them to allow it anyway and charge {$35.00} and make record breaking profits. This is illegal in every way and predatory banking practices. Wells Fargo even reversed my car payment in XXXX to pay for transactions that attempted to come out days later after it posted and recouped {$300.00} in overdraft fees. They have been fraudulently mismanaging my bank account and reversing charges as they see fit, and in a way where it benefits them financially to recoup more money from me. They've never offered to waive these fees & they are just collecting {$500.00} in overdraft fees a month from me. 

This seems to be an ongoing trend from them- robbing customers with unwarranted overdraft fees of {$35.00} for transactions and PER ATTEMPT. How can they overdraft fees cost more than the actual overdrafted amount at any time? 

I have retained an attorney and have filed a complained with Well 's Fargo 's regulator, as well as the FTC. This is continued ongoing fraud and deceptive practice. Class action may be necessary!

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX improper denial of my debit card fraud claim. 

My debit card was taken from me and used without my authorization. I reported the unauthorized transactions promptly. After my report, Wells Fargo canceled my debit card access acknowledging that the card had been compromised. 

Despite this, Wells Fargo denied my fraud claim and classified the transactions as authorized. I did not have possession of my debit card at the time of the disputed transactions, did not authorize them, and did not benefit from them. 

I am requesting that Wells Fargo conduct a proper reinvestigation of this debit card theft claim in compliance with Regulation E and provide documentation supporting how they determined authorization. 

I am seeking correction of this improper denial and reimbursement of the unauthorized debit card transaction. 
Reference XXXX Reference 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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Dear Capital One, This is XXXX XXXX XXXX. 
Im reaching out regarding a claim related to fraudulent activity that began on XX/XX/year>, when a fraudulent bank account was added to my XXXX  account without authorization. I would like to confirm that the system was not compromised, but the person who created an account through your banking institution to commit fraud gained access to my account externally, via my email. 

The following internal actions have already been taken by XXXX and XXXX : -The misdirected funds have been marked as fraudulent. 
-An ACH reversal was attempted to recover the funds, though it failed. 
-The bank account used by the fraudulent actor has been blocked in XXXX 's system. 
Through XXXX, reversals were initiated, but the funds couldnt be recovered as they had already been withdrawn from the Capital One account ending in XXXX. The amount of funds fraudulently deposited is {$3300.00}. 

We are seeking the funds that were fraudulently deposited in your bank to be returned to me in accordance with the Electronic Funds Transfer Act ( EFTA ) Section 205.2 ( m ), which covers unauthorized or incorrect electronic fund transfers ( EFTs ), as theft was initiated through your banking institution.

Below is the full account information for the fraudulent account, which we received after fraud was confirmed by the payment processor. Thank you for working with me to right this wrong. Please let us know if you need any further information. 
Account Number : XXXX Routing Number : XXXX Trace Number : XXXX, XXXX Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a loyal customer with Bank of America since XX/XX/XXXX, no late fees always paid on time. I decided to lock Bank of America credit card between XXXX and XXXX of XXXX. I did have 2 recurring payments on the card, I figure if I lock the credit card, I will not be able to use it or recurring payment will not go through. Best believe Bank of America let those payments go through without my knowledge, is the reason I didnt check statement. An email came through Bank of America had a new bill for me with recurring charges, late fees and interest. As of today Bank of America closed the account I cant check on the statements, the bank still charging late fees and interest every month even when the account is closed. 

On XX/XX/XXXXXXXX  Bank of America pull my credit without my knowledge. I would like to solve this 2 matters as soon as possible.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC
State: VA

Complaint narrative:
Global Lending Services XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Repossession Reporting Account : Global Lending Services ( partial acct # XXXXXXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am disputing the accuracy, legality, and XXXX XXXX compliance of the above-referenced account as currently reported to XXXX. 

This account reflects repeated monthly reporting of a repossession status, fluctuating delinquency codes, and inconsistent payment history entries. Under XXXX XXXX standards, a repossession is a single-event status and may not be reported as a recurring monthly delinquency. 

Additionally, the Date of First Delinquency is unclear and not consistently reflected across the reported payment history, raising concerns of improper re-aging in violation of FCRA 623 ( a ) ( 5 ). 

Due to these inaccuracies, the account is not verifiable as reported. I am requesting that you : Provide written verification of the Date of First Delinquency Explain the continued monthly reporting of repossession codes Provide full documentation supporting the accuracy of the reported balance and status If you are unable to fully verify the account with proper documentation, you are required to instruct XXXX  to delete this tradeline. 

I expect this matter to be resolved promptly and in accordance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Here 's your complaint description : In XX/XX/XXXX, Wells Fargo closed my account and designated me as a fraud-running customer after checks I deposited from my XXXX XXXX account did not clear. Wells Fargo claimed I was cashing personal checks that wouldn't clear and accused me of fraud. 
However, this was not fraud. During the time period in question, XXXX XXXX  had locked and frozen my account without warning. The checks I wrote were legitimate - I had sufficient funds in my XXXX account, but XXXX 's freeze prevented the checks from clearing. I informed Wells Fargo of this situation at the time. 
Despite having legitimate banking activity, Wells Fargo : Improperly designated me as a fraud customer - The checks were written from my legitimate account with available funds. The issue was XXXX XXXX 's freeze, not fraudulent activity on my part. 
Announced account closure in XX/XX/XXXX but has not fully closed all accounts - It is now late XX/XX/XXXX, and some of my accounts remain open but inaccessible. 
Removed my online banking access despite promising 90 days of access- Wells Fargo told me I would have online access for 90 days to view previous statements. They removed my access and I can not retrieve my banking records. 

The fraud designation is inaccurate and damaging to my banking reputation. Wells Fargo likely reported this to XXXX, which affects my ability to open accounts at other institutions. 
I am requesting : Removal of any fraud designation on my accounts Correction of any reports made to XXXX or other consumer reporting agencies Restoration of 90-day online access to view and download my statements as promised Written confirmation of account closure status for all accounts Written explanation of the actions taken and corrections made

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this follow-up complaint because Portfolio Recovery Associates continues to report duplicate collection tradelines for the same XXXX XXXX debt despite my prior CFPB complaint and their response. 
In response to my earlier complaint, Portfolio Recovery Associates provided documentation related to one account ending in XXXX. However, the company failed to address or correct the core issue raised : the same alleged XXXX  XXXX debt is being reported multiple times under different account numbers, including but not limited to : PORTFOLIO XXXX {$720.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX {$720.00} Portfolios response did not explain why multiple tradelines exist for a single obligation, nor did it provide proof that these represent separate, legally enforceable debts. The documents submitted only support one account, not multiple tradelines. 
Providing validation for one account does not cure the duplicate, fragmented, and misleading reporting of the same debt. XXXX XXXX reporting standards prohibit furnishing multiple tradelines for a single obligation unless they represent distinct debts, which Portfolio has not established. 
By continuing to report duplicate tradelines after dispute, Portfolio Recovery Associates is violating : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or misleading FCRA 611 Failure to conduct a reasonable reinvestigation FDCPA 807 False representation of the character and amount of a debt XXXX XXXX reporting standards Prohibiting duplicate or internally inconsistent reporting This continued reporting inflates derogatory information on my credit report and causes ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Subject : Formal Complaint Against PNC Bank Improper Account Closure & Mishandling of Funds To the Office of the Comptroller of the Currency, I am filing a formal complaint against PNC Bank regarding the unexplained closure of my newly opened business checking account ( opened XX/XX/year>XXXX  ) and their mishandling of my account funds. 
Over XXXX weekend I discovered all funds had been withdrawn. I received no prior notice of closure or restriction. On XX/XX/year>, PNCs Fraud Dept. informed me another department removed the funds. After multiple transfers between departments, on XX/XX/XXXX I was told the account was closed with no explanation and a cashiers check would be mailed in 710 business days. 
I updated my mailing address in person at a branch the same day. A PNC employee confirmed directly with the Service Request Dept. that my address was updated and the check would be mailed XX/XX/XXXX to the corrected address. Despite this, on XX/XX/XXXX a rep ( Page, Service Request Dept. ) admitted the check was sent to the wrong address due to a computer issue. She confirmed my address update was timely yet refused to stop payment, stating their system would delay reissuance further. 
PNC also refused to allow me to withdraw my own funds at a branch, even though my identity was verified and my debit card and statements were successfully delivered to the correct address. I was not given clear assurance that I would be protected if the check is fraudulently negotiated. 
PNCs actions raise serious concerns under : 12 U.S.C. 24 & OCC safety and soundness obligations ( failure to safeguard depositor funds ) UCC Articles 3 & 4 ( improper handling of negotiable instruments and bank deposits ) Regulation CC ( 12 CFR Part 229 ) principles regarding prompt and proper handling of checks Potential unfair or unsafe banking practices I was given no adverse action explanation, no risk notice, and no timely access to my business funds. My money is now potentially in the hands of an unknown party due solely to PNCs internal errors. 
I request OCC investigation, confirmation that PNC must protect me from any loss, immediate stop payment and reissuance of funds, and a written explanation for the account closure. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The account was opened fraudulent I have filed a report the amounts are {$900.00} and {$1000.00}. They are by midland credit management

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I just got a call back from somebody with PNC and they can not tell me the reason why they are closing my account so that leads me to believe that they are truly close of my account due to retaliation with me following report with the CFPB. If I truly went against their policies and conditions they wouldve been able to give me a firm reason why my account is being closed ; but because they are doing this out of retaliation ( which is illegal ) they were not able to provide a solid reason She then went on to me me she will respond to the report I filed within 60 days. Her response definitely told me that they truly have no real reason to close my account and they are just mad because I reported their wrongdoings to the CFPB. 
I am trying to move, and I have to get to work which I can not do because of their petty behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Harris and Harris repeatedly called XXXX XXXX about the debt of XXXX XXXX. They were repeatedly told that she was not XXXX, they still persisted to call trying to collect a debt regarding a personal matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief