vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Around two years ago I opened a new Paypal account using the information they already had because I had a business account with them for many years. I gave them all my info they sent me a debit card out I put to accounts in my paypal account : XXXX XXXX and XXXX they are linked to my paypal account. A month or so goes by and I decided that I didn't want the account open anymore so I tried to close it and they wouldn't let me. They kept saying I need to verify my identity by taking a picture and giving them my drivers license but when I tried to do those things, I kept getting error messages. I told them I didn't have to do all this to open the account so I shouldn't have to do all that to close the account but they just keep giving me a runaround. I just logged in before I made this complaint and it still won't verify me so I can close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
Negotiated for a final offer payment with FMA Alliance to clear debt, they accepted. So paid the final amount with credit card/debit card and now they are refusing to send a receipt to clear debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I paid the debt when it was with a different collections company and now it shows back up under different company XXXX removed it years ago now they are trying to report it through the other 2 credit reporting companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
XX/XX/year> Contacted Navy Federal Credit Union about fraudulent charges. Someone was using my credit cards. {$6000.00} was the total amount the first time. I got a new credit card and then it happened again. This time it was {$5100.00}. I told them I didnt have possession of the card the first time and I was unaware of the charges until it was too late. I answered all their questions but they claim it matched my usual spending. Ive never spent more than {$500.00} at a single time with their cards. Both claims got denied and I dont want to take out a loan to pay for something I didnt do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America for a violation of the Electronic Fund Transfer Act ( Regulation E ). On XX/XX/XXXX, an unauthorized debit transaction of {$2800.00} was pulled from my account with the following statement description : " XXXX XXXX XXXX XX/XX/XXXX PMNT SENT XXXX WA ''. I have never downloaded, owned, or used the XXXX app. I did not authorize, initiate, or benefit from this transfer. My banking credentials or debit card information were stolen and used by an unauthorized third party to fund a fraudulent transfer. I reported this fraud to Bank of America XX/XX/XXXX. The bank summarily denied my claim, stating that they believe I performed the transaction myself. The bank failed to conduct a proper and reasonable investigation into this theft, which is a clear violation of my rights under Regulation E. The transaction identifier " XXXX '' is linked to a known third-party fraud ring targeting XXXX and banking institutions. I am a victim of identity theft. Bank of America must reopen this investigation, contact XXXX to verify that the account holder 's name and device IP do not match mine, and credit my {$2800.00} back to my account immediately. I can be reached at XXXX XXXX to provide any further verification needed.

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 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MS

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
This debt below was originally from a loan in XXXX with XXXX XXXX XXXX. The XXXX engine in the XXXX XXXX went out and I was unable to cover the repair cost at the time which was close to $ XXXX. The car was unable to be driven as the engine was blown. I ended up giving it back to the lender, XXXX. They sold the vehicle and there was a balance left over. This balance was sold to NCB Management. They posted the debt as new opened debt from XX/XX/XXXX, but this is completely inaccurate. This debt was originally from XXXX of XXXX. Which would make the debt 8 years old. NCB Management has been notified of this several times and nothing has been done. XXXX and XXXX has been notified of this inaccuracy and nothing has been done to resolve the issue. I am requesting that the current collection agency, NCB Management, be made to delete this " zombie '' debt from my credit profile. NCB Management 1 XXXX XXXX XXXX, PA XXXX The disputes that were sent were not accurately investigated by NCB Management or the credit bureaus, which is why the issue was never resolved. In addition to this debt being older than 7 years, XXXX underwent a high profile law suit for sub prime lending and was ordered to provide restitution to many consumers. I was apart of the consumers for the predatory sub prime loans, as the interest rate on the loan was exceptionally high, around 23 % - 24 % APR. I never received a notice, because I relocated and didn't find out about the lawsuit until after the deadline to update your address and email. The state of SC was apart of this settlement. Please see the following links for this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, handled an lawsuit for XXXX XXXX for individuals whom got a car auto loan between XX/XX/XXXX and XX/XX/XXXX. The loan was supposed to be forgiven or removed from all three credit reports, XXXX, XXXX & XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My checking account had a withdrawal come through from my insurance company in XXXX, PNC Bank allowed the withdrawal to stay on the account instead of reversing the ACH debit. After speaking to collections, and asking what was happening I was given a time frame to make the payment .. Trying to resolve the issue with the company who made the debit, I was told by PNC the latest would be XX/XX/XXXX XXXXI went to make a deposit XX/XX/XXXX to cover the low balance and could not use my debit card.I called PNC and discovered My account which receives my weekly paycheck every single week, all three accounts were closed without notice. I have no access to my paycheck and no one could reopen my account to return my funds.I spoke to customer service, collections who told me they didn't authorize a closure and would have called again first, and then transferred me back to a customer service rep who told me that it shouldn't have been closed without notice. An entire paycheck which I get weekly, no one can grant me access to I am 1200 miles away from home with no access to my finances. They basically told me nothing they can do about it ... that my paycheck would be returned eventually to my company.. This has left me stranded, jeopardized my job because how am I to access my funds to get gas, to go to work., and pay for my temporary housing while out of town, leaving me no option for housing... While 1200 miles away from home working. Not only are they targeting this account, I am on a joint account with my VETERAN PHYSICALLY XXXX father, which before I took this job assignment, we went together into the bank. and opened a joint account so he could have access to funding while I'm away and I could transfer funds frequently to his account or to mine .. They have hindered the care of my father, payments to his caregiver, his funds that have been deposited are being held up ... Not one illegal transaction has been made by my father or myself but this bank has constantly targeted our accounts, even labeling one of the debit cards which I have access to as OLD account?? I have no access to funds as of now and no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Car experienced total loss on XXXX. Insurance adjuster came out and I was provided a information about the monetary total for the loss of the car. XXXX was very helpful and they requested the payoff from Ally on XX/XX/XXXX. Ally provided a figure of XXXX to insurance for final payoff. XXXX sent this money to Ally and sent me the rest of the amount to buy a replacement car. Car is towed away by XXXX. Ally still showed balance due and we were advised by insurance and Ally to keep autopay on to avoid fees. Autopay is collected on top of the XXXX on the usual due date for the car bill. Ally is unable to answer when the car will show as paid off and that the case rests with the " Total Loss Team ''. I tried a couple times to call the Total Loss Team and received vague information about time frames. Ally account now shows no balance due on car but instead shows a negative balance of XXXX. Ally still can not issue any time frame of when the car will be cleared from the account nor when I will receive my over-payment back. They stated, " My apologies, I can not determine the date, since we are still waiting for the confirmation from the Total Loss Team. In the meantime, pleaser allow time. Rest assured, once account is coded as paid in full, we can determine the estimate date. '' I was told that once that date arrives, it will take another up to 30 business days to receive my over-payment back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am the victim of identity theft. I discovered that XXXX. XXXX, XXXX is reporting a collection account on my Experian credit report that I did not open or authorize. I have filed an FTC Identity Theft Report and provided notice that this account is fraudulent. Despite my dispute, the account continues to be reported.

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 2026-05-29 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I have to clarify that this loan is under my business name XXXX XXXX XXXX XXXX. When I logged into my Ally online account to make what I believed was my final payment, the balance displayed was {$350.00}. Based on the information shown in my account, I paid that balance in full. Approximately two weeks later, I logged back into my account only to locate a phone number so I could inquire about receiving my vehicle title. At that time, I discovered a new balance of {$2.00} was showing in my Ally online account. I immediately contacted customer service for clarification. During that call, I was informed for the first time that I allegedly still owed over {$3400.00} due to deferred payments. I was shocked and confused because my online account didn't display that amount. I called back again to dispute the balance, and during the second conversation I was then told the charges were not related to deferred payments but instead were allegedly late fees. The balances shown on my online account were only {$350.00}, later {$2.00}, and now an additional {$1.00}. Relying on the information provided through Ally online system, I reasonably believed my loan obligation had been satisfied. In good faith, I paid {$2.00} balance on XX/XX/year>. I also submitted a formal dispute through the online message portal because the customer service representative refused to provide an email address where I could submit my dispute in writing. On XX/XX/year>, I logged into my Ally account again and now the balance reflects {$1.00}. Additionally, the response to my online message simply states that my request was received and instructs me to call for more information. Ally institution is currently refusing to release my vehicle title based on a claimed balance exceeding {$3000.00}, even though my online account does not display that amount. I dispute the validity of these charges and do not believe it is lawful or reasonable to demand payment for amounts that are not properly disclosed in the customer account system while continuing to add small additional charges after the displayed balance was paid in full. The amount that is claimed to be owe if I understood correctly is {$3400.00}.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Bridge IT, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Brigit regarding a major regulatory disclosure failure on my XXXX XXXX account. Brigit recently issued an official notice to me admitting that they failed to provide mandatory federal disclosuresspecifically the XXXX XXXX XXXX Account XXXX, Truth in Savings Disclosures, and Regulation XXXX Initial Disclosuresat the time my account originated. Because Brigit operated and maintained my account under non-compliant terms for months without these mandatory legal disclosures, I reached out to their customer support team to request a full refund of the monthly subscription fees ( XXXX per month ) I paid during this non-compliant period. Brigit 's support team gave me a XXXX month 's " courtesy refund '' but explicitly refused to refund the remaining fees or escalate the matter to a compliance supervisor, stating that " policies are the same at every level. '' A financial institution can not utilize standard corporate refund limits to dodge financial restitution for a self-admitted federal compliance failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
When I opened the account chase promised a bonus of XXXX with qualifying deposits equally {$1.00}. I met the requirements and then they told me I didnt because my tax check didnt count which it in fact did with the information provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Extraction of Unearned Fees & Deceptive Practices ( RESPA Section 8 Violation ) The institution explicitly charged and extracted an appraisal fee from me for the Washington, D.C. property. This fee was collected under false pretenses. The broker had possessed explicit, documented written notice since XX/XX/XXXX outlining our intention to purchase the property as our primary residence. The mortgage broker at Wells Fargo Home Mortgage charged and collected fees for an appraisal for a property that the broker and others fraudulently induced. On XX/XX/2026, I received a task to pay the upfront fees for the home appraisal for a property I was entering into a contract to purchase for {$900000.00}. On XX/XX/XXXX, my wife paid the fee and confirmed via email to the mortgage broker and the loan processor. A receipt for this fee was issued.

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 2026-05-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian sent me a stall letter implying that the letters that were sent disputing the account they reported wasn't sent by me.

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 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
On the weekend of XX/XX/XXXX, there were fraudulent transactions has been made. I called Current Bank customer service to dispute transactions. They denied my dispute. The fraudulent transactions are the XXXX dollar XXXX XXXX, XXXX dollar transaction, XXXX, XXXX XXXX and the XXXX XXXX. I was XXXX from Thursday evening through Monday XXXX. I was disappointed that they ask so many questions that had nothing to do with the situation. I told them what happened to me. I don't think a human looked into this matter. I believed they used XXXX instead. I have an open investigation about Identity Theft and the incident with Current Bank is the latest one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am submitting this complaint under identity theft and fraudulent account activity. This matter involves the unauthorized use of my personal information, including accounts and reporting activity that I did not authorize. I have provided an FTC Identity Theft Report and supporting documentation regarding the fraudulent use of my identity. Despite notice of the dispute and identity theft concerns, the account continues to be reported and/or collected upon. This complaint includes additional information and documentation that was not fully addressed in prior submissions and should not be treated as a duplicate billing dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One closed my XXXX XXXX XXXX credit card account after approximately three months of legitimate business use in XX/XX/XXXX. During that period, Capital One actively encouraged spending tied to its rewards promotion, and a Capital One representative congratulated me via SMS for earning bonus miles and encouraged additional spending to earn further rewards. I accumulated approximately XXXX rewards miles through legitimate business purchases, including business travel, advertising, operations expenses, and an executive education program. Capital One put my account on hold, and then the account was later closed for what Capital One described as " activity inconsistent with typical customer account usage. '' Capital One has never identified fraud, rewards abuse, manufactured spending, or any violation of the rewards program terms. After the closure, I contacted multiple Capital One representatives to inquire about my miles, they confirmed that the approximately XXXX rewards miles were visible on the account but stated that I would permanently lose them because the account had been closed. When I asked for a specific explanation, I was told only that the account had been closed for " unusual activity. '' The last contact was made on XX/XX/XXXX. I am requesting that Capital One restore the earned rewards, provide a redemption opportunity, or provide an equivalent remedy. If Capital One refuses, I request a written explanation identifying the specific factual and contractual basis for forfeiting rewards that were earned through legitimate approved spending.

Company response to consumer: Closed with monetary relief