vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding an erroneous 30-day late payment reported to the credit bureaus by XXXX ( Account No . XXXX ). The late payment was the direct result of the creditors failure to close my account upon my verbal cancellation request, which occurred in or around XX/XX/XXXX. Timeline of Events XX/XX/XXXXXXXX My last use of the card. I had effectively stopped using the account. XX/XX/XXXX An annual fee of approximately {$40.00} was charged. Upon seeing this charge, I called the creditor and requested that the account be closed. I paid the balance in full and considered the account closed. XX/XX/XXXX through XX/XX/XXXXXXXX Zero purchases or transactions on the account for approximately one full year. XX/XX/XXXX The creditor charged another {$40.00} annual fee to what I believed was a closed account. I was not aware of this charge. The creditors online portal offers no autopay functionality whatsoever, meaning I had no safety net to catch an unexpected charge on an account I believed closed. XX/XX/XXXXXXXX After discovering the late payment, I called the creditor. The account was finally closed and the balance paid. The accounts own comments field now reads : Account closed at consumers request, confirming that closure was initiated by me. The 30-day late payment does not reflect any irresponsibility on my part. It was caused entirely by the creditors failure to execute my cancellation request from XX/XX/XXXX. Specifically : I called and requested account closure in XX/XX/XXXX. The creditor did not close the account. I made zero purchases or transactions for the following 12+ months consistent with someone who believed their account was closed. The only charge that triggered the late payment was an annual fee that should never have been assessed on an account I had already canceled. The creditors portal provides no autopay option, making it impossible to protect against an unexpected charge on an account I believed closed. I have no recollection of receiving any notice or statement alerting me to the XX/XX/XXXX annual fee charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I initiated a balance transfer through my Barclays credit card to pay off a credit card balance from XXXX XXXX, which is issued by XXXX. After about one month, I noticed that the balance transfer had not been completed. I contacted Barclays customer service to inquire about the status of the payment. During that call, we discovered that the account number used for the XXXX XXXX card had an error in one digit. I immediately opened an investigation with Barclays and requested that they correct the error and complete the balance transfer to the correct XXXX account. However, Barclays later sent me a letter stating that they could not do anything to resolve the issue. As a result of this unresolved error, I am now being charged $ XXXX Barclays , while the balance on the XXXX XXXX credit card remains unpaid . This has placed me in a difficult financial situation because the balance transfer was intended to pay off that account. I am requesting that Barclays properly investigate and resolve this matter by correcting the transfer or reversing the charge so the balance transfer can be applied to the correct account.

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 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
I've used cash app for over a year. I primarily use it to pay my bills. I send money to people I know and trust and then out of the blue they close my account thing. I violated some sort of policy email. I didn't. I've tried messaging. I've tried messaging them trying to fix the problem and all I say is I violated some policy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had fraudulent charges on my business checking account with Chase bank. I reported the fraud to Chase via telephone and email on XX/XX/year>. There were a total of ten ( 10 ) fraudulent charges made via ACH debit to my account. Chase reimbursed me for the first six ( 6 ) charges, but is refusing the reimburse me for the last four ( 4 ) fraudulent charges. They failed to put a freeze on my account when I reported the fraudulent activity, and continued to allow fraudulent ACH debits to be made to my account. Chase claims that they can only reimburse me for the first six charges, because they can only reimburse for fraud charges made within 30 days of the date the claim was filed. This doesn't make sense because I asked them to freeze my account and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I called into PNC Bank to report the unauthorization of an transaction.I was told I need to wait until it posted.This happened the XXXX week of XXXX XXXX was arrested for 55 days and I wasn't released until XX/XX/XXXX.... So I was unable to call back in.Dur to me XXXX XXXX XXXX XXXX XXXX XXXX.... I have reported this matter to PNC bank... I believe someone got ahold of my bank card and made charges.... I encourage all parties involved to request and check all telephone calls made about this account and check notes if they are still available..... I will be filing an FTC complaint.I will be also filing a federal lawsuit.... If this matter is serious looked at and investigated.... I want this removed from ally credit reports my XXXX XXXXXXXX report and or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX, I was attempting to place an online order for a tv ( total was {$420.00} ) but the payment wouldn't go through. There was a glitch two times, and I have the emails from the company saying that those two orders were cancelled ( each having separate order numbers ). The third attempt ended up going through ( I have this email as well with its own unique order number ) and I was getting emailed delivery updates for it. On XX/XX/XXXX, I received an email saying the package was delivered with a photo attached for proof of delivery. However, the photo submitted by the driver clearly shows it was not a tv delivered to my door but something much smaller like food. I contacted my credit card company ( Discover ) to dispute the purchase since I did not receive the product at all. My Discover account online shows the dispute date as XX/XX/XXXX and the resolution date as XX/XX/XXXX, on which they found the transaction to be valid. However, they had contacted the retailer to verify information about the purchase, and the document uploaded by them shows the same order number as the third attempt I just described ( photo of food instead of tv ). I called them once I saw that they did not reverse the charge, and they told me to upload any supporting documents to my account on the website if I wish to continue the dispute. I uploaded ( 1 ) a screenshot of the email with that same order number they have and ( 2 ) the photo within that email clearly showing it was not a tv delivered. I called them again after this and they told me that there is nothing they can do since an item was delivered, despite it not being the correct item. They also said I should contact the retailer ( which I already have, multiple times ) since they claim it's not Discover 's responsibility. To summarize, I am being charged {$420.00} for a tv I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My phone was stolen and my online banking accounts and digital wallet were fraudulently used. Wells Fargo has denied both my online debit card claim and my Wells Fargo credit card claim because of the use of biometrics which, one I dont have set up, two why offer biometrics login if its unsafe and not secure. Claim # XXXX Claim # XXXX Claim # XXXX I am the victim not the thief. If one looks at my statements its obvious someone was committing fraud with my account. The criminal also used my XXXX XXXX XXXXXXXX, XXXX, and XXXX My claims with XXXX XXXX XXXXXXXX and XXXX are still pending. XXXX blocked all of the fraud- great for me and hugs to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, I began the process of applying for a mortgage through M & T Bank and worked with a mortgage representative named XXXX XXXX. During our initial conversations, I was informed that the primary approval requirement for the loan was meeting the minimum credit score requirement associated with XXXX XXXX guidelines. Based on that representation, I agreed to proceed with the mortgage application and authorized M & T Bank to pull my credit report. After my credit had already been pulled and the process had progressed, I was then informed that the property appraisal would also be a major factor in determining loan approval. This requirement was not clearly communicated to me before my credit was accessed and before I moved forward with the application process. Had I been informed from the beginning that the property appraisal would play a significant role in determining approval, I would have evaluated whether to proceed before allowing my credit to be pulled. When I raised concerns about the discrepancy in the information that was initially provided compared to what I was later told, my concerns were not addressed in a professional or constructive manner. As a result, I believe I was misled about the approval requirements for the mortgage process. This situation caused unnecessary time investment, emotional stress, and an avoidable credit inquiry that could have been prevented if all approval factors had been clearly disclosed at the start of the process. I am requesting that this matter be reviewed and that M & T Bank address the communication practices involved so that customers receive complete and transparent information before proceeding with mortgage applications.

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 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XXXX I sent a certified Validation, and assignment letter to XXXX XXXX XXXX requesting detail information, and to validated this matter, so I can go over, and have for my personal records. Inaccuracies have been reported to all three major credit bureaus. I ask that all communication be in writing, and sent via USPS, and all collection efforts be paused, and activity on my credit report doing this period stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>XXXX I sent {$2000.00} to my girlfriend XXXX XXXX for a loan thought XXXX XXXX with PayPal as my girlfriend requested. The money was not given to her or refunded to me. I tried several times to cancel it, but PayPal does not allow me to cancel the transaction. The individual will not respond to my girlfriend request to send her the money or return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I switched companies and was told I was no longer obliged to pay XXXX. When I started to receive text emails and phone calls I made a dispute. I guys it didnt go through i dont know. It was taken of my credit report so I thought I was good. I know have been getting phone calls ( Im assuming are them, no messages just repeated calls daily. ) it started after I got a text saying I owed almost {$1000.00}. Now I am getting text daily along with phone calls. I am not paying this. I havent had service with them in about a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
Under the federal law of the Department of Nevada and other states. Fair Debt Collection Practices Act ( FDCPA ) and the Fair Reporting Act ( FCRA ). The credit collection agency must report the validation of the original debt within 15 days. We have checked the three credit bureaus, and we have no report of any debt with you. We have communicated with XXXX, your original lending agency, and they informed us that this debt was reported as lost to the IRS, with which we also had communication, to obtain more information. If the debt was reported as lost to the IRS, how is it possible that your agency, Credit Corp Solution Inc., is charging my client a debt that has already been reported as lost? We demand under these laws that you have a period of 15 to 30 days to obtain full validation of the debt at your physical address. If this information is not obtained or does not exist, we urgently demand the closure of the debt and the sending of physical documentation. We have sent you several letters and in the supposedly recorded calls by your agency the debtor denies said documents and you do not validate them, even in the call on XX/XX/year>XXXX the person on the phone threatens that if they do not pay, he will send them to collections or legal court. We sent 4 last letters ; one was sent on XX/XX/year>. With receipt notification. We expect you to provide us with the necessary information within a period of 15 or 30 days we notify. or we demand the immediate closure of this overdue account. Name : XXXX XXXX XXXX Social Sec : XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint against Chase Bank regarding unresolved account issues totaling thousands of dollars. First, Chase has placed or allowed an overdraft balance of approximately {$5200.00} on my account related to transactions that I dispute and believe should not have been processed or should have been reversed. These transactions were connected to digital wallet transfers and other activity that I reported. Second, Chase also owes me {$8500.00} from disputed or unauthorized transactions that have not been refunded to my account despite my attempts to resolve the matter through customer service. I have already provided transaction documentation from XXXX XXXX and XXXX XXXX showing the activity involved. However, Chase has not properly resolved the issue. I am requesting that Chase : Conduct a full investigation into the disputed transactions Remove the {$5200.00} overdraft balance from my account Refund the {$8500.00} that is owed to me Provide a written explanation of the investigation results This issue has caused significant financial hardship and I am requesting prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I had a loan with XXXX that was charged off. It went to XXXX and I negotiated a settlement with them and paid it in full. They sent it to XXXX who marked my account as paid in full. I then got an email from true accord stating I owed affirm the outstanding amount that was settled. I have been dealing with them for over a year over debt I settled and paid and they refuse to do anything even though I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: NV

Complaint narrative:
This account is false and misleading. Debt collector never sent proof of the alleged debt bearing my signature from the original application. Ive been harassed and abused due to this account violation. This is a clear violation of my rights under Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I spoke to Selene this week to inquire why hasnt my loan balance decreased from XXXX. It constantly shows XXXX as if I am not paying any thing after 22 years. I am about to retire and I have paid this loan since XXXX and the balance has NEVER changed. The associate at Selene said none of my payment went towards my mortgage payments they took my money for over 22 years as interest payments inky HOW can you do this to people my loans first generated by XXXX XXXX and balance was decreasing as I paid. My mortgage was sold to them and I have no idea why!!!! Please help Me this can not be

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX XXXX XXXX processed approximately {$100000.00} in customer payments through XXXX XXXX XXXX Fiserv in XX/XX/year>. In XX/XX/year>, our merchant account was flagged as high risk, and approximately {$65000.00} in customer payments was withheld by the processor. At the time, we were informed the funds would be released or otherwise resolved by XX/XX/year>. The XX/XX/year> deadline passed and the funds were not released. After requesting the release of the withheld funds, we were recently informed that the remaining reserve balance had allegedly been applied to unfunded fees resulting from XXXX issues. However, no documentation has been provided to support this claim. Despite repeated written requests, the company has refused to provide : A reserve balance ledger showing how the withheld funds were applied Itemized documentation of the alleged XXXXrelated fees Identification of specific transactions, return codes, or violations The contractual provision authorizing application of reserve funds A final reserve reconciliation statement for the account Instead, we were instructed to contact a collections phone line and informed that the matter would not be addressed in writing. We are requesting : A complete written accounting of the reserve balance and all charges applied to it Documentation of any alleged XXXX issues tied to the account The contractual basis for applying reserve funds in this manner The release of any funds that were improperly withheld The company has retained merchant funds for nearly a year while refusing to provide a transparent accounting of how those funds were used.

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