vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filing this complaint regarding Citibanks handling of a disputed {$7400.00} charge processed on XX/XX/year> by XXXX on behalf of The XXXX XXXX XXXX. Citibank previously denied my dispute and has now formally closed the investigation, stating they will not respond to additional correspondence. However, new material evidence demonstrates a clear timeline inconsistency that was not reasonably addressed. The merchant relies on a XXXX Certificate of Signature reflecting a signature dated XX/XX/year> at XXXX UTC ( XXXX AM Eastern Time ). At XXXX AM Eastern Time on XX/XX/year>, I was in-flight on XXXX XXXX XXXX from XXXX ( XXXX ) to XXXX ( XXXX ), which departed at XXXX AM Eastern Time. I did not have in-flight internet access and did not purchase WiFi services. Additionally, the {$7400.00} charge was processed on XX/XX/year> XXXX days prior to the alleged signature date. Billing activity was initiated XX/XX/year>. This creates XXXX critical inconsistencies : The charge was processed before the alleged signature date. The alleged electronic signature occurred while I was airborne without internet access. I submitted the following documentation to Citibank when requesting reconsideration : XXXX XXXX confirmation showing XXXX XXXX XXXX departure XX/XX/year> XXXX Certificate of Signature showing XX/XX/year> XXXX UTC timestamp BILL payment notification dated XX/XX/year> Despite this documented timeline conflict, Citibank refused to reopen or reconsider the dispute and stated they will not respond further. I am requesting that Citibank conduct a reasonable reinvestigation of this matter and address the documented inconsistency between the charge date and the alleged authorization. I am not requesting emotional consideration I am requesting a proper investigation of the timeline evidence provided.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.

Complaint narrative:
My PNC checking account was frozen and inaccessible for over XXXX year due to two-factor authentication issues that I could not resolve remotely while traveling internationally. During this period, I was charged XXXX monthly maintenance fees of {$7.00} each, totaling {$70.00}, despite being unable to access, manage, or use the account. I made multiple attempts to resolve the matter by phone and email. I left voicemails, replied to case communications, and eventually visited a PNC branch in person in XX/XX/year>, where I verified my identity, withdrew the remaining balance ( {$130.00} ), and closed the account. I obtained a statement confirming the {$70.00} in maintenance fees charged during the frozen period. I have formally requested a refund of these fees. PNC has responded by requesting phone communication, but despite multiple attempts to return calls ( including voicemail on XX/XX/year> ), I have not been able to reach a representative directly. No written resolution has been provided. I am requesting refund of the {$70.00} maintenance fees charged while the account was inaccessible. I am available for written communication and can provide documentation of account closure and fee charges upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I sent a written debt validation request to the collection agency on XXXX XXXX. The agency has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Instead of providing competent evidence of legal standing, the collector has either failed to respond fully or has provided insufficient documentation such as billing statements or account summaries. Billing statements and internally generated account printouts do not constitute proper validation and do not establish legal standing to collect. The collector has not provided : A complete chain of assignment showing lawful ownership of the alleged debt Proof that they have the legal right to collect this specific account A copy of the original signed contract bearing my signature Documentation authorizing them to collect prior to reporting to credit bureaus Proof of proper mailing of the initial validation notice Proof they are licensed to collect in my state Despite this failure, the company continues to report the account to consumer reporting agencies and/or continue collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: UT

Complaint narrative:
The U.S. Department of Education approved my XXXX XXXX XXXX XXXX ( XXXX ) discharge effective XX/XX/2024. The discharge letter identifies a XXXX XXXX loan held by XXXX XXXX. ECMC is the authorized agent for XXXX XXXX. Despite the approved discharge, the loan servicer ( XXXX XXXX XXXX XXXX ) continues to bill me and reflect an active balance. The servicer states it has not received discharge instructions. This indicates a failure by the XXXX to properly transmit and enforce the discharge to the servicing entity. I have provided ECMC with the discharge documentation and requested that they coordinate with the servicer to correct the loan status, but the issue remains unresolved after months of effort. I am requesting that CFPB require ECMC, as agent for the loan holder, to formally confirm the XXXX XXXX, transmit the XXXX status to XXXX XXXX , ensure all systems reflect the loan as XXXX, and provide written confirmation that collection activity has been stopped.

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 2026-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank Of America has assigned a person to solve the fraud dispute process but about XXXX days I could not reach this person. I called her many times and left voice messages but NO CALL BACK THIS IS THE SECURE MESSAGE SENT TO ME : XXXX XXXX XXXX Thank you for contacting Bank of America. As your advocate, I welcome the opportunity to address your concerns. I am your dedicated point of contact until this matter is resolved. Please note that the email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My hours of operation are Monday through Friday, XXXX to XXXX MST. I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. Thank you, XXXX XXXX Bank of America XXXX XXXX XXXX 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 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
I am filing a complaint against Plaza/XXXX Mortgage for failing to activate an FHA XXXX forbearance I XXXX on XX/XX/XXXX, and for improperly canceling my complete lossmitigation application. On XX/XX/XXXX, XXXX completed a full lossmitigation application with me by phone and confirmed receipt in writing. On XX/XX/XXXX, they requested a Borrower Certification Form, which I submitted on XX/XX/XXXX. On XX/XX/XXXX, they notified me my application was complete as of XX/XX/XXXX. On XX/XX/XXXX, not having received any updates on my application and with XX/XX/XXXX payment looming, I requested an FHA XXXX forbearance via XXXX 's secure message center. FHA rules require immediate activation upon request. Instead, XXXX told me to call in. On XX/XX/XXXX, when I again requested a XXXX forbearance I was told I could not have XXXX open cases and that my complete application had to be canceled to request a forbearance. This is incorrect under FHA guidelines. They canceled my application but did not activate the forbearance. On XX/XX/XXXX, a XXXX XXXX restarted the entire application over the phone and said it would take another XXXX days. I explained what happened prior and requested this issue be escalated to a XXXX. On XX/XX/XXXX, a XXXX called and, after hearing the entire story, said the issue was being sent to underwriting. No update was provided during the XXXX weeks leading up to my next scheduled meeting with the XXXX XXXX. On XX/XX/XXXX, the XXXX XXXX again had no update and instead claimed to be missing my borrower certification for the second loss-mitigation application. I explained that this was irrelevant because I'd already escalated my concern about the initial application as well as my forbearance request and I was only interested in the update for that. She said she didn't have XXXX but scheduled an appointment with me for XX/XX/XXXX to update me on it. On XX/XX/XXXX, XXXX called twice for my scheduled meeting, but both calls were silent with no audio, which was the first time ever having any connection issues when XXXX calls. As of today, XXXX has still not activated the forbearance I requested in writing on XX/XX/XXXX and via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, has not corrected the improper cancellation of my complete application, and has left my account in delinquency due to their servicing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: WA

Complaint narrative:
I am filing a complaint against IQ Data International , Inc. regarding improper workplace contact. I explicitly instructed the company not to contact me at my workplace. Despite this, they called my employer, which caused distress and interfered with my employment. Additionally, their representatives pressured me to take out a loan to pay the alleged debt. They also have been pressuring me to file my taxes and use my XXXX XXXX XXXX to pay the alleged debt. I believe this is coercive and inappropriate. They also made statements implying that making payment arrangements would not help my ability to qualify for housing, which I believe was intended to pressure me into paying in full immediately. I felt these communications were intimidating and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Debt Validation Request - FDCPA 809 ( b ) To Whom It May Concern, I am in receipt of your reporting of an alleged debt on my consumer credit report. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Until proper validation is provided, you must cease collection activity, including furnishing information to any consumer reporting agency. Please provide the following : XXXX. The name and address of the original creditor XXXX. A copy of the original signed contract or application bearing my signature XXXX. A complete itemized statement showing how the amount was calculated XXXX. The date of first delinquency XXXX. Documentation showing you have legal authority to collect ( chain of assignment ) XXXX. Proof you are licensed to collect in my state XXXX. The name of the individual who verified the account Be advised that reporting a debt to a consumer reporting agency without providing validation after a dispute constitutes continued collection activity and violates 15 U.S.C. 1692e ( 8 ). If you can not provide the requested documentation, you must immediately delete the account from all consumer reporting agencies. Failure to comply will result in a complaint being filed with the Consumer Financial Protection Bureau and the Office of the Attorney General * this letter was mailed in time accordance with no response in legal time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint against Kingston Data and Credit International Inc regarding an alleged debt in the amount of {$480.00}. Kingston Data and Credit International Inc is attempting to collect this debt ; however, they are not the original creditor. The original creditor is XXXX XXXX XXXX. At this time, I have not been provided with sufficient validation to establish that Kingston Data and Credit International Inc has the legal right to collect this alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically 1692g, I am entitled to proper validation of the debt, including : Proof of the original contract bearing my signature. A complete payment history showing how the {$480.00} balance was calculated. Documentation demonstrating that Kingston Data and Credit International Inc has legal assignment or ownership of the debt. Proof that they are licensed and authorized to collect debts in my state of residence. To date, I have not received adequate documentation satisfying these federal requirements. Attempting to collect a debt without proper validation may constitute violations of 15 U.S.C. 1692e and 1692f, which prohibit false, deceptive, misleading, unfair, or unconscionable collection practices. If Kingston Data and Credit International Inc can not provide competent evidence of their legal standing and the validity of this alleged obligation, I request that : The account be immediately closed ; Any reporting to consumer reporting agencies be deleted ; All collection activity cease. I am requesting that your office investigate this matter and require Kingston Data and Credit International Inc to provide proper validation or cease collection efforts in accordance with federal law. Please keep me informed of the outcome of this investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I noticed that 8 XXXX were sent from my account over a 8 day period to the same vendor that, 1. was a modified vendor, 2. were not authorized, 3. the bank never called to verify that these were authorized. In the 13 years of this account, as the account holder, I have never zelle a single vendor more than once a month let alone 8 times in a 8 day period, and never the the amounts that was taken. The only company involved in my complaint is Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GA

Complaint narrative:
On Tuesday XX/XX/year> I contacted Capital One by way of their phone number XXXX from my registered phone number XXXX. The XXXX call at XXXXXXXX XXXX est was with XXXX. XXXX did not speak XXXX and had babies crying in the background making her voice unintelligible. I asked for a supervisor. I was not provided one. I was dismissively put on hold without warning as a XXXX XXXX and then connected to a person who was not a supervisor. The person was named XXXX and over 8 times tried to lie about her job title with deceitful wording and extensive delays. She was just another customer service manager trying to hide XXXXXXXX XXXX lack of XXXX and baby crying in the background. I asked XXXX for an actual supervisor or manager this time, she refused to provide me one and hung-up the phone. The XXXX call at XXXXXXXX XXXX EST to the same phone number and from the same registered phone number. The person answering was a person named XXXX. I asked for a manager. I was connected to XXXX XXXX is her employee ID. XXXX never provided a job title. Instead she tried to dismiss, delay, and defer answering this question. XXXX also insisted on saying everything was OK, ALRIGHT, The XXXX call at XXXXXXXX XXXX EST I spoke with XXXX who rudely put me on hold, the same as the last 2 entry level representatives. Then I was connected with XXXX - Account XXXX ID XXXX- who was actually helpful. THIS IS WHAT IT IS LIKE CALLING CAPITAL ONE. THIS IS WHAT CAPITAL ONE DOES TO PEOPLE. XXXX MINUTES WASTED. I am asking in this complaint for CFPB to investigate Capital One and for Capital One to discontinue claims and advertisements of good customer service. Since capital One was allowed to merge with XXXX, the XXXX XXXX XXXX Utah based call centers have polluted and destroyed any essence of customer service. The merger has resulted in disgusting behaviors and attitudes such as this, taken out on customers. They hire AND train people to dismiss and irritate people until they have a reason to hang up. I was constantly being gaslit and being told I was wrong and I was going in circles when they refused to provide information or an escalation. This disgusting behavior wastes time, energy, and is intentionally done to discourage people and trample on the serviceability of accounts. This needs to be examined for patterns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
I make some of my monthly payments by automatic disbursements through Wells Fargo Bank. I have done so for years with no problem. On XX/XX/year> a scheduled payment was made to my Wells Fargo credit card ending in XXXX, from my checking account ending in XXXX for {$710.00}, paying the balance on the credit card. The following day ( XX/XX/XXXX ) another payment of {$710.00} was withdrawn from my checking account. The date was changed to XX/XX/XXXX and became a credit of that amount on the following month 's balance on this credit card. I immediately notified Wells Fargo of the error. A Wells Fargo Customer Service representative found this amusing and asked if I was trying to make Wells Fargo rich. I spent about 10 minutes on the phone with him and he said that he was powerless to do anything about rectifying this error on the part of the bank. He said he would file a document that would get me my money back in about 10 days. I made a transfer of savings to cover subsequent payments scheduled from my checking account. Today Wells Fargo did it again and double paid my scheduled XXXX XXXX XXXX XXXX XXXX. I called Wells Fargo and spoke to XXXX who once again told me that there were no human beings who could change or fix it. Again I will have to wait 10 days. I have now cancelled my automatic payments. However I have paid this was for decades ( I am XXXX XXXX XXXX ) and I had to search for paper checks to pay my bills. While changing banks may seem logical, I'm just too damned tired to go through all that switching banks entails. Please help 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 explanation
Consumer complaint received 2026-02-24 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: EQUIFAX, INC.
State: MD

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 remove

Company response to consumer: Closed with non-monetary relief