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 making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I sent a {$5000.00} business check ( Check No. XXXX ) via Bank of America Bill Pay from my business account ( ending XXXX ) to XXXX XXXX XXXX, a XXXX in XXXX XXXX XXXX. The check was intercepted in the mail, materially altered, and deposited at XXXX XXXX XXXX on XX/XX/XXXX by an individual named XXXX XXXX. XXXX XXXX never received the check and has confirmed this in writing. The check was altered in at least XXXX visible ways : the XXXX was changed from " XXXX XXXX XXXX '' to " XXXX XXXX, '' and the issuing bank name was changed from " Bank of America '' to " XXXX XXXX. '' Despite the face of the check saying " XXXX XXXX, '' the XXXX line identifies it as a Bank of America check. I reported this fraud to Bank of America on XX/XX/XXXX, the same day I learned of it, through the Bill Pay secure messaging system and followed up by phone. Bank of America submitted a warranty claim to XXXX XXXX, which XXXX XXXX denied on timeliness grounds. Bank of America then denied my claim XXXX separate times using identical form language, most recently on XX/XX/XXXX, stating that " no Bill Pay processing error occurred '' and citing " the time that has passed from when the check was cleared. '' I sent Bank of America a certified demand letter ( delivered XX/XX/XXXX ) raising XXXX issues that Bank of America has never addressed. First, I reported this fraud the day I discovered it. Any delay in the interbank claims process was Bank of America 's, not mine. Second, under UCC 4-401, Bank of America can only charge my account for items that are " properly payable. '' A materially altered check is not properly payable. This obligation is Bank of America 's own responsibility to me as its customer and is independent of any warranty claim against XXXX XXXX. After the certified letter, I was assigned to XXXX XXXX, XXXX on Bank of America 's C.A.R.E. Team. I provided all supporting documentation. I set a XXXX deadline ( XX/XX/XXXX ) and extended it to XX/XX/XXXX. The only response I have received is that Bank of America is " trying to retrieve the check. '' No one has addressed the altered-check issue, the properly payable question, or provided a written timeline for resolution while I have continued to receive form denials through Bill Pay messaging . I have filed a police report ( XXXX XXXX, Report XXXX. XXXX ), a report with the FBI IC3 ( Submission ID XXXX ), and a report with the FTC ( Report No. XXXX ). I have also sent a separate certified demand letter to XXXX XXXX. I am seeking reimbursement of {$5000.00}. Bank of America XXXX ID : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I have been aware that I have XXXX deposits totalling {$13000.00} are pending and on hold with my PNC account. It has been over XXXX weeks now and I want my funds released immediately. The previous complaint I filed was closed because I did not respond to PNCs request for more information, but as the requestor 's name was " XXXX '' I mistook those requests as SPAM. I am happy to provide PNC with any information they require.

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 — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
I am requesting assistance regarding my federal student loans and XXXX account handling. I worked full-time for a qualifying nonprofit employer from XX/XX/XXXX through XX/XX/XXXX as a nurse then nurse practitioner. My PSLF employment certification has been submitted and processed through XX/XX/XXXX. My PSLF tracker currently reflects XXXX qualifying payments. During XX/XX/XXXX through XX/XX/XXXX, my loans were placed in in-school deferment while I returned to school, and I understand those months are not PSLF qualifying months. That being said, with removing those months I still have XXXX qualifying payments. Beginning in approximately XX/XX/XXXX, my loans were placed into administrative forbearance related to the SAVE plan litigation/policy changes. I remained employed full-time by my qualifying nonprofit employer during this period until XX/XX/XXXX. I submitted a PSLF buyback/reconsideration request XX/XX/XXXX seeking review of the administrative forbearance months that occurred while I still had qualifying employment. However, I have not received a meaningful update or resolution. I am now facing uncertainty because repayment under SAVE appears to be ending, and I have not been provided clear guidance regarding : 1. the status of my PSLF buyback request, which with all the information provided it should be granted and 2. how my loans should be handled while this request remains pending as I am being asked to select a new repayment plan starting XX/XX/XXXX. I am requesting : * a formal review of my PSLF payment count, * review and processing of my pending PSLF buyback request, * clarification regarding the qualifying status of the SAVE administrative forbearance months while I remained employed at a qualifying nonprofit employer, * and guidance regarding my repayment obligations while this matter remains unresolved. Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-27 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: IL

Complaint narrative:
I, XXXX XXXX, paid off my auto loan with XXXX approximately XXXX month ago for my XXXX XXXX XXXX. Despite the loan being fully satisfied, Hyundai Motor Finance has refused and/or failed to provide me with a paid-in-full letter and lien release documentation. I have contacted Hyundai Motor Finance requesting the required documentation, but the matter still has not been resolved. This delay is preventing me from obtaining proper proof that the vehicle loan has been paid in full and that the lien has been released. Vehicle information : Vehicle : XXXX XXXX XXXX XXXX number : ending in XXXX I,, XXXX XXXX XXXX am requesting that Hyundai Motor Finance immediately : Provide a written paid-in-full letter ; Release the lien without further delay ; and Confirm that the title has been updated appropriately.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This inaccurate collection account is unfairly damaging my credit and making it extremely difficult for me to secure stable housing and provide a safe home for myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against PayPal for unfair business practices regarding account termination. I have formally requested to terminate my relationship with PayPal and close my personal account. PayPal is refusing to close my account or delete my profile unless I upload highly sensitive government-issued identification documents. While I acknowledge that PayPal must retain past transactional data for federal record keeping, federal law does not dictate that a consumer must remain an active member, nor does it require a consumer to provide new identity documents to dissolve a business relationship. I contacted PayPal live chat on XX/XX/year> to request a manual closure. The agent refused to close the account and explicitly refused my legal right to escalate the issue to a supervisor or privacy officer. PayPal is effectively holding my personal data hostage.

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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX, Vance and Huffman LLC, XXXX XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt your company claims I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting complete verification and documentation of this account. If you can not provide proper validation, I request that this account be removed from my credit report and all collection efforts cease immediately. Additionally, if this account was reported to any credit bureau without proper verification, I request an investigation pursuant to FCRA regulations. I expect a response within the timeframe required by law.

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: 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: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Hello, I am writing to formally dispute multiple unauthorized transactions on my XXXX account. I had issued an authorized user card to my son, which was lost/stolen, and shortly after, a series of transactions appeared that were not made or authorized by us. Once identified, I immediately took action and closed the card to prevent further misuse. These charges reflect a clear pattern of unauthorized activity across multiple merchants and dates. ________________________________________ Disputed Transactions XX/XX/year> XXXX {$18.00} XXXX {$25.00} XX/XX/year> XXXX {$63.00} XXXX {$14.00} XX/XX/year> XXXX XXXX {$25.00} XXXX XXXX XXXX {$13.00} / {$10.00} XXXX XXXX {$18.00} XX/XX/year> XXXX XXXX {$1.00} XX/XX/year> XXXX XXXX XXXX {$26.00} XXXX XXXX XXXX {$6.00} XXXX {$17.00} XXXX XXXX {$21.00} XXXX XXXX {$2.00} XXXX XXXX {$50.00} XX/XX/year> XXXX XXXX {$2.00} XXXX XXXX XXXX {$12.00} XXXX XXXX {$15.00} XX/XX/year> XXXX {$15.00} / {$18.00} XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX {$10.00} XX/XX/year> XXXX XXXX {$17.00} XXXX XXXX XXXX {$30.00} XXXX XXXX {$30.00} XX/XX/year>XXXX XXXX XXXX {$30.00} XXXX XXXX {$45.00} XXXX XXXX {$8.00} XXXX XXXX {$4.00} / {$14.00} XXXX XXXX {$19.00} XX/XX/year> XXXX XXXX XXXX {$1.00} / {$22.00} XX/XX/year> XXXX XXXX {$46.00} XXXX XXXX {$7.00} XXXX XXXX {$11.00} / {$20.00} / {$21.00} XX/XX/year> XXXX XXXX {$15.00} XXXX {$14.00} XXXX XXXX XXXX {$1.00} / {$23.00} XX/XX/year> XXXX XXXX {$3.00} / {$6.00} XXXX XXXX {$46.00} XXXX XXXX {$25.00}

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 — Problem making or receiving payments
Company: Albert Corporation
State: FL

Complaint narrative:
At the end of XX/XX/year>, I repaid an Albert loan balance of approximately {$700.00} in full. My account then showed a {$0.00} balance, and I have bank statements, screenshots, and messages from Albert confirming the repayment was completed. After the balance had already been paid and reflected as {$0.00}, Albert placed the negative balance back onto my account without proper explanation. On XX/XX/year>, additional funds were deposited into my account, and Albert withdrew an additional {$210.00} even though the balance had already been paid off. My account now incorrectly shows a remaining balance of approximately {$450.00} when the loan should have already been fully satisfied. I am requesting correction of the balance and reimbursement of the improperly withdrawn funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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 was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my researchSPRINGOAKCAP 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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION is a debt collector. They are falsely reporting on my credit!! Account number is # XXXXXXXX XXXX XXXX XXXX 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 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 2026-05-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX I signed a settlement agreement authorizing automatic bank account deductions of XXXX XXXX. No payments were ever pulled from my account. I called XXXX XXXX XXXX multiple times during business hours to report this calls went unanswered or I was told not to worry. On XX/XX/XXXX I called to resolve this and was refused a supervisor transfer without providing a reason, violating my FDCPA rights. I have this recorded. They filed a XXXX XXXX threatening garnishment for missed payments caused by their own failure to process my authorized auto-debit. Additionally I have voicemail records showing they contacted me from undisclosed XXXX area code numbers on XX/XX/XXXX and XX/XX/XXXX, rather than their listed business number, which is a deceptive practice under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have reported these fraudulent credit cards that were open under my name to major credit bureaus as well as Capital One BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX These account were opened fraudulently using my personal information under a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
They had did incorrect reporting when I did have the auto loan. If i missed that much why didn't take the car?

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: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited my first paycheck from my job in Chase bank this was in the beginning of XXXX they say they couldnt verify my check so they restricted my account and then closed it! Were currently approaching month XXXX and I still havent received what I worked a hard XXXX hrs for it was a major set back for me I h missed bills and all!

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

Complaint narrative:
REBUTTAL TO DUPLICATE CLASSIFICATION TITLE AND LIEN RELEASE MATTER DISTINCT ISSUE Date : XX/XX/year> This matter is NOT a duplicate complaint. CarMax has improperly characterized this complaint as duplicative in order to avoid addressing the specific and unresolved issue of title release and XXXX status. The prior complaint concerned accounting discrepancies and credit reporting inconsistencies. This complaint concerns : Present lien status Electronic XXXX release transmission to the North Carolina XXXX XXXX XXXX XXXX XXXX CarMax Auto Finance continues asserting a secured interest The lawful basis preventing issuance or transfer of clear title These are separate and materially distinct legal issues. For the Record : Recent Equifax reporting associated with Account # XXXX now reflects Pays As Agreed, with no listed delinquency, no charge-off amount, no past due amount, and no repossession designation. This reporting materially conflicts with prior derogatory representations and collection posture. Accordingly, CarMax must clarify : XXXX. The present claimed status of the alleged obligation ; XXXX. The lawful basis for continued XXXX retention, if any ; XXXX. XXXX CarMax Auto Finance continues asserting a secured interest in the vehicle ; XXXX. Whether an electronic lien release has been transmitted to the North Carolina Division of Motor Vehicles ; 5. What lawful basis exists preventing issuance or transfer of clear title. Additionally, full accounting is demanded substantiating any claimed remaining balance, including accounting for : The {$1500.00} down payment ; All credits ; All assignments or transfers ; All offsets ; All charge-off accounting entries ; Any insurance proceeds or recoveries ; Any third-party payments or securitization credits. If CarMax asserts the right to enforce, collect, or retain a lien interest, it must produce : Complete chain of assignment and transfer history ; All servicing transfer notices ; Proof of who presently owns or holds the obligation ; Authority to enforce ; Original wet-ink signed agreement; Evidence of standing to retain a security interest. A summary data printout is insufficient. If CarMax has no lawful basis to retain a lien, it must immediately : Release any claimed secured interest ; Transmit electronic lien release to XXXX ; Confirm in writing that no further enforcement will be pursued. Improper classification of this complaint as duplicate constitutes failure to respond to a distinct issue submitted through the CFPB portal. This complaint must be reopened and addressed substantively. All communications shall remain in writing only. Respectfully submitted, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Rights : UCC 1-103 and UCC 1-308

Company response to consumer: Closed with explanation