vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
Ive been receiving multiple calls from structured settlement claiming to be calling my employer. These calls occur at odd hours, such as XXXX XXXX some nights and around XXXX XXXX most mornings. Theyve threatened me with lawsuits, and when Ive attempted to make payments, theyve either demanded higher amounts than I can afford or increased the debt when I fell behind. Despite informing them that Im between jobs and continuing to harass me, they sent me an email stating that a lawyer would freeze my bank account. Ive been called XXXX times a day, regardless of the time. XXXX from structured settlement has hung up on me multiple times because I requested to record the line, as they do the same. I offered a payout, but they reduced it by {$100.00}. Theyre unwilling to cooperate or reach an agreement. Theyve threatened to ruin my credit and keep reporting it to the credit bureau, resulting in my poor credit score. Now, they claim I have 24 hours before they involve lawyers. They try to charge my card without consulting me every week. Ive had to change cards multiple times because they will take money out.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Every time I deposit money into my Citizens account, they claim that theyre waiting for the other financial institution to get back to them seven days later the money is withdraw from my account as a chargeback for no reason at all, and they overdraw my account into the negatives when I asked them what was the reason they dont give me a reason all that they had to do a charge back the check wasnt accurate mistakes were made on the check where the check was wrote out wrongly some excuse not a proper excuse, Ive called the highest of the highest in the bank to investigate, and Ive still got no response. My account constantly is frozen for fraud, even though Im the one verifying it and every time I go to verify myself over the phone, they can never pull up my account. My account is not showing in their system or anything, but when I go to a bank branch, it pulls that perfectly fine but its only one branch so that I can get and that is the branch that is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is the only branch where my account actually comes up in the system any other branch it is not showing the system. They can not verify even with my Social Security number theres been constant times where Ive tried to deposit money. They light it up as fraud withdraw the account money theres times were at my employers and put money in there. The funds were never in there. It says they were deposited. I open my account its reading that I have XXXX dollars in my account. Theres no holes no nothing. It doesnt even show the transaction even though Im getting emails from citizens bank, stating that my deposit from my bank was made or that deposits were made in my account and the funds are not available I login theres no money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank for a violation of the Electronic Fund Transfer Act ( Regulation E ). On XX/XX/year> at XXXXXXXX XXXX, three unauthorized ATM withdrawals totaling {$1300.00} ( {$700.00}, {$300.00}, and {$300.00} ) occurred in XXXX XXXX XXXX via XXXX XXXX ( according to Chase ). I was not in XXXX at the time of these transactions and have physical proof of my location elsewhere. I have XXXX receipt, train ticket, and XXXX of me leaving my house to take the XXXX as proof. Chase has denied my fraud claim, asserting the transactions were " authorized '' and that there were " no new devices. '' This is factually impossible ; I have not used XXXX XXXX in years. This indicates a " tokenization '' fraud where my card was linked to a third-party device that I do not own and did not authorize. However, under Regulation E, a PIN is not conclusive evidence of authorization, and the bank maintains the burden of proof to demonstrate the transfer was authorized ( 15 U.S.C. 1693g ( b ) ). Specific Violations & Obstructions : Denial of XXXX Footage : I explicitly requested that Chase review the ATM camera footage. This footage would visually confirm that I was not the individual at the machine. Chase has refused to review this evidence and has stated there was no need to review as a pin was used. Obstruction of Police Reporting : I attempted to file a police report twice and presented my official FTC Identity Theft Report ( Federal Affidavit ). However, the police refused to open a case without a specific " Bank Affidavit '' from Chase. Chase has refused to provide this document, creating a circular " Catch-22 '' that prevents a criminal investigation and subpoena of the XXXX footage . This circular logic effectively denies my right to a reasonable investigation. Violation of 12 CFR 1005.11 ( d ) ( 2 ) : Chase has refused to provide the " documents they relied upon '' for their denial, including the Device ID, Tokenization logs, and MFA verification history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE 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 2026-03-11 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: PA

Complaint narrative:
b'This is my email to the PNC rep, XXXX XXXX, who helped me open the account. "Dear XXXX: I talked with XXXX [the representative to which XXXX XXXX forwarded my request] several times in the past week and from what I gathered, after she talked with you, too, I should have been provided with a code when I opened the PNC account.\nOn XXXX XXXX, when you opened the accounts from me, you did not mention any code, but you did mention I will get the $XXXX reward for opening the XXXX XXXX XXXX XXXX XXXX, sometime between the end of XXXX, beginning of XXXX.\nIn mid XXXX I sent you this:\n"Dear XXXX\nYou helped me open my account with PNC in or around XXXX XXXX XXXX--thank you! At the time, you told me I will see the $XXXX promotion for opening the XXXX XXXX XXXX XXXX XXXX account sometime around late XXXX to early XXXX. \nI contacted PNC online help to inquire about it, and upon checking my account, the representative said that \'there is no promo code listed to received [XXXX] the promotion." \nKindly explain what is happening. \nThis is my number, if you prefer we talked. XXXX XXXX\nThank you and best regards,XXXXXXXX"\nYou called me and it was the first time you even mentioned a code to me, though, as XXXX stated, it was your duty to inform me about it, when I opened the accounts. \nI believe I met the conditions for the $XXXX, so I ask that you find a way that I get it. \nThank you, XXXX" XXXX XXXX ignored my email so I followed up with another email four days later, but so far, I did not receive a response. I add that I fulfilled the conditions for receiving the reward, as advertised on the bank\'s website.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXX check is usually direct deposited. XXXX made a mistake and mailed it. I deposited it on the XXXX, when I received it. Normally for 40 years, I have had a one day hold on any check I have deposited. BofA placed a 5-7 day hold on it. After about 3 days, as my XXXX of months bills were coming in, and I had no funds, I called to ask why. We cant say, only they are researching. Whats to research? - its from the XXXX XXXX account! Called twice and was stonewalled with that line both times. Went to the bank on the XXXX. The clerk spent 2 and 1/2 hours making an internal call. He was told the same thing-They are still researching. We are now on day 7 and the funds are still not released and BofA can not tell me why. Is this even legal? Thanks for any help.

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 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit Account & Computer Service, Inc.
State: IN

Complaint narrative:
Summit account and computer sales is trying to collect on an auto debt thats more than XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The XXXX XXXX XXXX app displayed a {$0.00} balance and {$0.00} minimum payment due on my credit card account for a period of time. Based on this information, I believed no balance was owed. However, interest continued to accrue and automatic payments were still being withdrawn. I later discovered that a balance and interest charges were accumulating even though the official XXXX app showed {$0.00} balance and {$0.00} payment due. I attempted to resolve this with XXXX customer service but was unable to get a clear resolution.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Opened a credit card with capital one. Quicksilver card they refused to honor sign up bonus. Even though I met requirements. They told me the one I applied for wasnt the one they approved me for Additional information provided by consumer : XXXX Consumer would like his complaint sent out to Company name : Capital One Website : www.capitalone.com Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2026. I deposited XXXX checks total {$18000.00} through an ATM to the business checking account # XXXX for salary payment, & the ATM machine developed an error, & the account was not credited. The ATM displaced call : XXXX, and ATM XXXX. I called, and they said they will credit my account back within XXXX days, with XXXX XXXX : XXXX. On XX/XX/XXXX, I went to the bank, & I called, & they said they found d checks, & they will credit my account back. My account has not been credited till date XX/XX/year>. I have made multiples calls they keep on promising that my account will be credit, that the problem is with the back office. This has been causing financial burdens to make necessary payments.

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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello! My name is XXXX XXXX. I sent a letter to your agency on XX/XX/year> regarding an inaccurate account on my credit report, and this is now my second letter disputing the same issue. I am overwhelmed, frustrated, and at my breaking point that this continues unresolved. These errors are not just numbersthey are destroying my ability to use credit, causing constant stress, anxiety, and sleepless nights, and putting my familys well-being at risk. Every day this false information remains on my report, it unfairly damages my life and adds unbearable pressure on me and my loved ones. I am pleading with you to comply with your legal obligations and resolve this matter immediately. For the sake of my mental health and my familys safety, please carefully read the attached letter and delete these accounts from my credit report without delay so my credit file can finally reflect the truth. Ignoring this will leave me no choice but to take all necessary legal and personal action to protect myself and those I love.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally financial repossessed a truck involved in a accident it wasnt their long the insurance said it was total loss when they went to pick it up at the tow yard it was gone they said it had been repossessed so they did a repossession on it and reported it to my credit Im sure it was illegal what they did. XXXX was paid off by the insurance and I call ally to tell them to remove it they tell me they didnt report anything and my credit shows redemption/ repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
I've been trying to access my funds from Axos bank for the past 3 days. I opened the account last week to try to get a higher interest rate than my current bank and had no idea how many restrictions and hoops would be associated with this account. After not being able to get any answers about when these restrictions would get removed, I requested to close out my account. The service associate let me know there was a {$25000.00} restriction for money money per day ( which I was not told about ), so I would need to move the money out in 2 separate transactions, so I did. I attempt to move the first {$25000.00} as instructed. Then, they sent me a verification link to my email to verify my identity. That link was broken, but since I couldn't verify using the link on time, they cancelled my transaction, which I found out next day. I called in again to request them to send me another link, which they did 4 hours later because apparently only one particular department at the bank can send the links out. Then, that link was also broken. I tried it on 3 different devices and could not get it to work. Then, they said my account from frozen due to fraud concerns because I couldn't use the two verification links they sent me even though I clearly called in 4 times, answered all the verification questions, and specifically told them the links were not working and even copied the links into the secure email they asked me to send them to show I could log into my account. Now, they are saying I have to wait another few business days for the fraud department to review my account. I also can't speak to a manager and they won't offer any other alternative for me to access my money. I've never had to jump through this many hoops before to make a simple transfer to an account in my name that they already previously verified and linked to my current Axos savings account. They were totally find pulling money from my account, but not sending it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hey my name is XXXX XXXX and my PayPal account was placed on a permanent ban for unexplained reasons. So recently I had money transferred from my cash app card to an old PayPal account by mistake which I dont have access to anymore under email XXXX. My issue with that old account was I lost all access to the PayPal account email and password because I lost my phone with the information stored on it. The sum of {$790.00} was on the account but I was unable to withdraw funds from my card because my old pin wouldnt work and was told that I wouldnt be to create a new pin because I lost access to my account. I created a new PayPal account under email XXXX. Working with a customer representative I was able to successfully verify my identity by providing id and proof of residence. The representative was able to transfer funds from my old PayPal account to my new PayPal account in order for me to access my money. Now my account was permanently locked without any heads up and told to wait 180 days. I think its unfair to close people accounts for 180 days without any heads up even though I did everything they asked. Now my rent money is on hold and getting evicted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I deposited {$50000.00} via ATM. I was provided a digital receipt emailed to me that stated " {$6700.00} will be available on Saturday, XX/XX/XXXX, '' " Amount Delayed {$43000.00}, '' and " Date Funds Available XX/XX/XXXX. '' After seeing no funds available as of XX/XX/XXXX, I called the automated help line that told me all funds would be held until XX/XX/XXXX. I have escalated this issue through three levels of bank support, each confirming a lack of legal compliance. Level 2 ( XXXX, Ref # XXXX ) explicitly admitted there was 'no record ' of any alert or notification being sent to me regarding the hold. After being pressed on the legal requirement for notice, she pivoted to a 'magic ' discovery that a letter was being mailed ( after she insisted multiple times that there was no possible way that anyone in the company could tell me this information ), and then she abruptly terminated the call ( hung up ) while I was seeking clarification. Subsequently, the Executive Office of Customer Care ( Case Ref # XXXX ) corroborated my understanding of the law and documented the lack of notice as a formal compliance failure. Despite these internal admissions of a Regulation CC ( 12 CFR 229.13 ) violation, the bank continues to withhold 100 % of the funds, including the first {$6700.00} which is required to be available 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