vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: PNC Bank N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX I received an email from PNC ; Special Offer - {$200.00} bonus when approved for a PNC Cash Rewards credit card. According to their ad, I would receive a statement credit 90 days AFTER the purchase that enabled me to meet the {$1000.00} minimum requirement. 
During my XXXX statement cycle on XX/XX/XXXX, my purchase of {$710.00} put my total spending to {$1200.00}, exceeding the {$1000.00} minimum requirement. By their ad I should receive a {$200.00} statement credit within XXXX days, meaning XXXX XX/XX/XXXX. That date came and went no statement credit so I called PNC. I was told I would have the credit by XX/XX/XXXX. Well that date came and went as well. On XX/XX/XXXX, I again called PNC. They said they couldn't resolve the issue so it needed to be escalated and I would get a call within the next XXXX days. I didn't get a call until XXXX days later. On XX/XX/XXXXXXXX XXXX XXXX XXXX from PNC Corp XXXX Department returned my call. She said they were aware of the problem but it could take another XXXX weeks before I received the credit. I said if you were aware why did I have to keep calling always waiting at least XXXX minutes before getting a person? No reply. I said I was a long time PNC member and I didn't appreciate them always wasting my time while posting false/misleading ads. At this point she said WELL, now that you have mentioned possible fraud on a recorded line this will require further escalation. What further, she was from the XXXX XXXX!!! I totally lost it at that point. Your ad was misleading! Statement credit was due by XX/XX/XXXX, it didn't happen, you knew about it, did nothing and still want me to wait longer - sorry but that's FALSE advertising. At which point I hung up and am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
We bought XXXX XXXX XXXX for our home and used the promotional offer of 0 % interest for 1 year. Our original loan was {$48000.00} on XX/XX/XXXX. We requested money from our home equity line to pay off the balance and the check was mailed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The due date to pay off the loan was XX/XX/XXXX, but they offered a XXXX day grace period, that date was XX/XX/XXXX, which was a XXXX. They applied our check to the account on XX/XX/XXXX, in the amount of {$48000.00}. They claim that the check arrived XXXX day late. They charged us the full finance charge of {$14000.00}. 
We understand the terms of deferred interest promotions ; however given that the balance was paid in full within XXXX day, with no ongoing delinquency and no intent to finance beyond the promotional period, I am requesting a goodwill review and XXXX time courtesy reversal ( or partial adjustment ) of the deferred interest charges. I believe the application of the full interest charge under these circumstances is disproportionate and am requesting CFPB assistance in resolving this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: KY

Complaint narrative:
XXXX loan that has additional interest I didn't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: NY

Complaint narrative:
They have engaged in bait and switch. They offered {$200.00} in overdraft if you meet " required actions '' Which I did yet I'm not eligible. 
They won't tell me why, just it's not guaranteed. Yet every month, I click on " see my benefits '' and it's not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: MOHELA
State: WI

Complaint narrative:
MOHELA has {$940.00} owed to me for over nine months, and declined to take any action to rectify the issue or even provide a case number on which I can track progress. The details of our transactions and actions taken are below. At this point I have zero faith in their ability to handle this professionally or fairly and am requesting third party assistance in getting my funds back. 

- XX/XX/XXXX - I had a loan with a balance of {$0.00} - XX/XX/XXXX - I made a payment of {$940.00} against that loan, putting the balance at - {$940.00} XXXX - I used the secure inbox feature to identify the issue to MOHELA. MOHELA acknowledged the issue and that I could expect a refund, but did not identify a timeline. 
XX/XX/XXXX - I followed up, informing MOHELA that I had still not been refunded. At this time they committed to a refund timeline of 90 days, which was not honored. 
XX/XX/XXXX - I followed up a third time, this time threatening legal action. MOHELA acknowledged my request but made no timeline commitment and requested that I " please allow them to investigate ''. 
XX/XX/XXXX - I followed up a fourth time, requesting a case number identifying this issue, a phone number and email address to use ( their phone number specifically states that refund issues need to be discussed using the secure mailbox feature, which is what I used to communicate the first three times ), case information on the US Treasury side, if applicable, an itemized list of actions that are being taken to rectify this matter, and a timeline on which I can expect a resolution on this issue. 

To date, I have not received a response.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I have a home i inherited from my mother. She had XXXX XXXX XXXX i had to cancel. i purchased XXXX XXXX in the amount of {$3500.00} on XXXX  from XXXXXXXX there was a lapse in coverage i believe due to a clerical error. I have a letter from progressive stating I had insurance at XXXX so there was no lapse. During this time M and T purchased Forced Insurance in the amount of XXXX. I did not receive notification of this. I received a letter on XX/XX/XXXX saying my insurance has been received afterwards and i owe {$40.00} for the lapse in coverage.. I later canceled XXXX XXXX because I found cheaper insurance through XXXXXXXX XXXX company for {$2400.00}. I got my check for XXXX from XXXX and called on XXXX and repaid the amount back into my escrow and it was received. I received a escrow analysis with all 3 insurance polices charged against my escrow account for XXXX resulting in a XXXX shortage in my escrow account. Raising my monthly bill for XXXX to over {$1500.00} a month. I also have been unable to view activity on my mortgage online for 6 month.

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 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Received a letter from ONLINE INFORMATION SERVICES claiming I owed a debt through my local utilities company. I dont currently have a debt with them nor did I during the month of XXXX, which the letter claims. I checked the companies reviews and they all appear to be elderly people who have been scammed by this company. I called them and told them to not contact me going further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, my XXXX account ( XXXX XXXX  ) was hit with over {$10000.00} in unauthorized deposits to theXXXX XXXX XXXX ( a XXXX XXXX ), I am only XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ) and legally underage for gambling ( minimum age XXXX ), so I never created, verified, or used any account with themtheir KYC requirements would have blocked me anyway. 
I reported these as fraud to XXXX  immediately, providing monthly statements and transaction details. XXXX denied all disputes and appeals, claiming the transactions appeared authorized based on " consistent logins, '' " available balance, '' and " normal activity '' XXXX  directed me to contact the merchant. I did, and XXXX XXXXXXXX XXXX  support repeatedly confirmed in official transcripts ( attached emails from XXXX, dated XX/XX/XXXX ) : No account exists under my name ( XXXX XXXX ), DOB, phone number ( XXXX ), or associated emails. 
They explicitly stated I am underage and can not have an account. 
This proves the funds went to a third-party 's account via fraud/identity theft. 

Despite this direct merchant evidence rebutting XXXX XXXX  denial reasons, XXXX  has refused refunds, violating Regulation E ( zero liability for unauthorized electronic transfers reported timely ). I've suffered significant financial harm with no resolution, and XXXX XXXX handling has obstructed my ability to recover stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the handling of interest charges associated with a purchase made using a Wayfair-branded credit card. 

On XX/XX/year>, I purchased a mattress from Wayfair using the Wayfair credit card. Shortly after delivery, I experienced issues with the product and properly initiated a return through Wayfair. The mattress was returned, and I no longer had possession or use of the product. 

At the time, I reasonably assumed that the refund had been processed and credited back to my account. However, I later discovered that the refund was never applied. This issue was not identified until approximately XXXX years later. Upon discovery, Wayfair reviewed the matter, confirmed that the refund should have been issued, and subsequently refunded the full purchase amount. 

Despite the merchant refunding the principal amount, the credit card issuer/processor has refused to remove the interest charges that accrued during the period in question. These interest charges were applied even though I never retained or benefited from the product and the underlying transaction was ultimately acknowledged as refunded by the merchant. 

I believe this outcome is unfair and inappropriate. I did not receive or benefit from the product, the merchant has acknowledged the return and issued the refund, and yet I am being held financially responsible for interest charges tied to a transaction that should have been reversed from the outset. 

I respectfully request assistance from the CFPB in reviewing this matter and helping resolve the improper retention of interest charges associated with a refunded purchase. 

Thank you for your time and consideration. 

Sincerely,

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 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo started sending me bills for some random debt. I didnt respond thinking surely it was a mistake. The sent to collections and put on my credit report. I need it removed immediately as I have no knowledge of this debt.

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Subject : Violation of Regulation E - Failed ATM Disbursement and Improper Investigation On XX/XX/2025 at approximately after XXXX, I attempted to withdraw {$800.00} from a PNC ATM located at the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. The ATM screen displayed an error message stating " Unable to process transaction, canceling transaction, '' and no cash was dispensed. However, my mobile banking app showed the {$800.00} was immediately debited from my account. 

I filed a formal dispute with PNC Bank on XX/XX/2025 around XXXX in the morning. It has now been 17 days, and PNC has denied my claim, stating they " found no error. '' I have requested that the case be reopened. 

PNC is currently in violation of 12 CFR 1005.11 ( Regulation E ) for the following reasons : Failure to Provide Provisional Credit : Since the investigation has exceeded 10 business days, the bank is legally required to provide a provisional credit of {$800.00} while they continue their search. Failure to Conduct a Thorough Investigation : The bank claims " no error, '' yet the physical cash in the machine must reflect an overage of {$800.00} if the journal shows a completed transaction but no money left the shutter. I demand a physical audit of the " divert bin '' ( where jammed bills are stored ) and a review of the ATM security footage which will prove I walked away without cash.

To add to this when I was issued a new card at that current location after being told by customer service to get it from the bank. I was informed by the assistant manager or the staff member who issued me the new card that they've been having troubles with that ATM. 
I can't provide you the SN # but if i have to I'll go directly to the atm at that location and get if it helps my case. 

I am requesting that the CFPB compel PNC Bank to : Immediately issue the {$800.00} provisional credit required by law. Perform a manual audit of the ATM 's internal journal against the physical cash count for that date. Review the security camera footage from both the branch and the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
CREDIT FRAUD & IDENTITY THEFT NOTICE AMERICAN EXPRESS Victim Name : XXXX XXXX Date : XX/XX/XXXX To : American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Identity Theft Fraudulent Account Not Recognized Account Number : XXXX To Whom It XXXX Concern, I am writing to formally notify American Express XXXX XXXX above-referenced account does not belong to me, was not opened or authorized by me, and is the direct result of identity theft. 

I do not recognize this account, did not apply for it, did not sign any agreement, and did not receive any benefit from the account or any transactions associated with it. 

Identity Theft & Data Breach Context I am in the process of filing an FTC Identity Theft Report due to the compromise of my personal identifying information, which includes my name and Social Security number. This action is being taken in light of recent large-scale data breaches, including the XXXX  data breach that occurred in or around XX/XX/XXXX, which affected millions of U.S. consumers through a vulnerability in a third-party system.

Given this breach and other documented data exposures, there is substantial evidence that my personal information was used without my knowledge or consent to open fraudulent accounts, including the American Express account listed above.

Formal Dispute & Demand Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and applicable identity theft protections, I hereby : 1. Dispute the validity of this account in its entirety 2. Deny all responsibility for any charges, balances, or obligations 3. Demand immediate closure and removal of this account from all consumer credit reports 4. Request written confirmation that this account has been marked as fraudulent due to identity theft 5. Request copies of any application, contract, or documentation allegedly bearing my signature No Authorization I did not : Apply for this account Provide consent for its opening Authorize any user Benefit from any transactions Any activity associated with this account is unauthorized and fraudulent.

Enclosures FTC Identity Theft Report ( filed or pending ) Please consider this letter formal notice of identity theft. Continued reporting, collection, or enforcement of this account without proper verification may constitute violations of federal consumer protection law.

All future communication regarding this matter should be made in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am disputing the alleged debt referenced above and am requesting full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Despite my written request for validation, the debt collector has failed to provide competent evidence that : The alleged debt is owed by me The debt collector has legal standing and authority to collect The amount being claimed is accurate The debt was properly assigned or sold, including a complete chain of title To date, I have not received : A copy of the original signed contract or agreement A complete payment history A bill of sale or assignment identifying my specific account Proof the debt was not sold, securitized, or otherwise extinguished Continuing collection activity without providing proper validation violates the FDCPA. I request that the CFPB require the debt collector to either : ( a ) Provide full, competent validation of the alleged debt, or ( b ) Cease collection activity and correct any reporting to consumer reporting agencies. 

I also request that any inaccurate credit reporting related to this alleged debt be investigated and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried repeatedly to rectify XXXX/Synchrony Banks error in charging interest fees and purchase protection fees on multiple occasions to no avail. Ive have made payments for the full statement balances and they still charge interest fees when their own contracts stipulate otherwise. An earlier complaint forced them to cancel the interest charges for the month of XX/XX/year> but they have done nothing with the other fees for the months of XXXX through XX/XX/year>. The fees I have been disputing are as follows. 
( XXXX - purchase protection fees {$30.00}. ) ( XXXX - purchase protection fees {$30.00}. ) ( XXXX - purchase protection fees {$13.00}, interest fees {$47.00}. ) ( XXXX - purchase protection fees {$16.00}, interest fees {$13.00}. ) ( XXXX - purchase protection fees {$24.00}. ) I have paid all of my debts with this company and they have not corrected the fees mentioned previously and have added on $ XXXX {$80.00} in late fees plus any accruing interest fees. They have cut of my access to the account and I am no longer able to get ahold of anyone. They are now reporting the account delinquent with credit bureaus. 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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I made a cash deposit at a Chase branch into my checking account. After the transaction, I discovered that the credited amount did not match the cash I handed to the teller. 

During the same visit, the teller stated that two bills in one of the bundles were counterfeit. I was not allowed to visually inspect the bills, was not provided any written documentation or receipt, and was not informed how those bills were recorded, seized, or accounted for. 

I visited the branch multiple times and requested written details of the investigation, including confirmation of whether XXXX footage confirmed the full amount of cash handed over, documentation showing how the alleged counterfeit bills were handled, and a written case reference or closure summary. 

The bank stated by email that XXXX XXXX conducted an investigation, reviewed video footage, and concluded there was no employee wrongdoing and that the tellers cash drawer was in balance. However, the bank did not provide the requested documentation, XXXX confirmation, or written case reference despite repeated requests. 

I am not alleging employee misconduct. I am seeking transparency and documentation regarding the handling of my cash deposit and the alleged counterfeit bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>XXXX  my credit card information was used by someone other than myself to charge 4 separate transactions to XXXX XXXX. 

I called Apple Card customer service immediately and disputed the 4 transactions. I explained I did not make the charges, did not know who made the charges, and my card number was clearly compromised. 

Apple removed 2 out of the 4 charges. The remaining XXXX charges ( {$45.00} and {$35.00} ) were placed back on my account shortly after. Apple stated XXXX XXXX claimed I made the charges and wont remove them. 

I requested proof of the charges and Apple failed to disclose any receipts, proof of delivery, etc citing privacy issues. 

I have disputed the charges 4-5 times and every time the charges are placed back onto my account. 

I requested proof of the charges over and over. I also explained this was a series of 4 charges within minutes of each other, half were resolved, and a XXXX charge was attempted the following day after the card number was changed. 

I submitted a picture of my XXXX  account showing I did not make any charges on the date as well.

Company response to consumer: Closed with monetary relief