vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a restriction placed on my savings account with American Express Bank that has prevented me from accessing my deposited funds. Recently, I transferred approximately {$40000.00} into my American Express High Yield Savings account from an external bank account that is in my name. Shortly thereafter, my account was restricted and I was unable to withdraw or transfer my funds. American Express requested documentation to verify the source of the funds. Specifically, they requested four months of bank statements from the external financial institution where the funds originated. I promptly complied with this request and submitted the requested documentation. Despite providing the requested information, I have received limited communication regarding the status of the review and the timeline for restoring access to my funds. When I contacted customer service to request clarification and escalation, I was informed that no supervisor was available to speak with me. I was placed on hold and ultimately told that I would receive a callback within 24 to 48 hours. At this time, I remain concerned about the lack of transparency regarding the status of the review and my inability to access my deposited funds. While I understand that financial institutions must comply with regulatory requirements related to anti-money laundering and fraud prevention, I believe that consumers should be provided with reasonable communication and timely resolution when legitimate funds are being held. My request is straightforward : Confirmation that the documentation I submitted has been received and reviewed A clear explanation of the status of the account review A timeline for when access to my funds will be restored I respectfully request that your office review this matter and assist in ensuring that this situation is resolved promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am disputing the alleged rental debt of {$3400.00} reported by Professional Debt Mediation. Several months after moving out of my previous apartment, I was contacted by phone regarding this balance. During that call, I expressed my willingness to resolve any legitimate charges, but I requested a formal debt validation and a detailed, itemized move-out statement explaining the origin of these charges. To this date, the company has failed to provide any written documentation, a copy of the original lease agreement, or an itemized breakdown of the alleged damages/fees as required by the Fair Debt Collection Practices Act ( FDCPA ). They are reporting a significant balance on my credit report without providing the necessary proof of debt. I am requesting a full investigation. If the company can not provide the original contract and the specific breakdown of these charges, I request that this inaccurate and unverified account be completely removed from all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I purchased my vehicle in XX/XX/year> I trusted the dealer because my boss referred my It was a {$15000.00} car I put {$1500.00} down When I reviewed my paperwork, there were charges I didnt request Over {$2500.00} worth of charges I called the dealer and they told me it was a mistake and my lender sells those products And there is no problem cancelling them I was told that they could be cancelled but a fee will be charged My XXXX financing is now a {$17000.00} Loan at XXXX percent I have paid over {$4000.00} so far, and they tell me my balance {$15000.00} Please help me XXXX XXXX and this is very wrong

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/XXXX : I signed a contract with XXXX for Brazilian and underarm laser treatments, marketed as a monthly membership of $ XXXX. Every XXXX weeks : The XXXX sessions provided by the technicians were medically insufficient to achieve the contracted results. By providing sub-standard care compared to the XXXX instructor-led session, the merchant breached the implied warranty of service. XX/XX/XXXX : I ceased payments due to " Failure of Consideration '' and " Breach of Contract '' by the merchant, used deceptive sales tactics by presenting this as a 'membership ' with a 'touch-up " benefit, while omitting the fact that it was a high-interest credit installment loan and that 'touch-ups ' would require an undisclosed additional {$500.00} fee XX/XX/XXXX : Westlake Portfolio Management/Covered Care began daily " spam calling '' and are still emailing me to this day. Because the servicer ( Westlake ) and the portal both claim my SSN does not exist in their records, this debt is unverifiable. Under the Fair Credit Reporting Act ( FCRA ), any debt that can not be verified by the furnisher must be deleted immediately from my credit profile Summary of the Problem : The merchant ( XXXX ) used deceptive marketing to sell a medical service they failed to perform to professional standards, then attempted to upcharge {$500.00} for promised 'touch-ups. ' The servicer ( Westlake/XXXX XXXX ) is now attempting to collect on a 'phantom debt ' they claim they can not even locate in their own system via XXXX, yet they continue to report negatively to credit bureaus and harass me via phone. XXXX refused to provide a XXXX to resolve the service failure and redirected me to a servicer that denies my account 's existence. This is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: MO

Complaint narrative:
I have a certified court order XXXX, Filed on XX/XX/XXXX XXXX directing Commerce Bank to release the contents of my deceased brothers safe-deposit box. The bank refuses to comply and will not give a written explanation. I have delivered the order to their XXXX XXXX XXXX XX/XX/year>. I need the CFPBs help enforcing the court order. The safe deposit box numbers are as follows : XXXX and XXXX. I am also including a formal request for access to safe deposit boxes pursuant to court order in the estate of XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) my late brother in which whom the boxes belonged to. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have held a Macy 's Credit card account serviced by Citi since XXXX with an otherwise perfect payment history. I paid my statment balance in full in XXXX, XXXX, but a {$2.00} " residual interest '' charge posted afterward. Because the account still had outdated contact information, I did not receive notification of the small remaining balance. No calls were received or letters received to notify me of any {$2.00} charge still on the account. The account became 30 days past due as a result of the {$2.00} charge. I found out because the credit security accounts like XXXX notified me of an account past due. i called immediatly and paid the balance due. Citi acknowledged the unusual nature of the situation by refunding me the XXXX late fee. However, they have refused to remove the 30 day late payment reporting to the credit bureasa after explaining this situation many times. This since {$2.00} residual interest charge has resulted in approximately a XXXX point drop in my XXXX XXXX from XXXX to XXXX on a XXXX account along with almost perfect credit over 10 years... I am requesting a goodwill adjustment to remove the XXXX late payment reporting because of this " residual interest '' added after full payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Your Name XXXX XXXX Your Address City, State ZIP Email ( optional ) Phone ( optional ) Date Debt Collectors Name Company Name Address City, State ZIP RE : Request for Validation of Alleged Debt under 15 U.S.C. 1692g To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges 3. Verification of the debt, such as : A copy of the original signed contract or agreement A complete account history ( all charges, payments, interest, and fees ) 4. Proof you are legally authorized to collect this debt in my state 5. A copy of your debt collector license, if required in my state 6. If the debt was transferred or sold, provide documentation showing the chain of title from the original creditor to your agency. Under the FDCPA, you must cease all collection efforts until you provide the requested validation. This includes calls, letters, reporting to credit bureaus, or pursuing legal action. If you can not validate this debt, you are required to : Cease all collection efforts Notify all credit reporting agencies to remove any negative information you furnished regarding this account Please send all documentation to the address above. Sincerely, Your XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding a dispute with Capital One ( XXXX XXXX ) for a {$980.00} purchase on XX/XX/year>, charged to my Quicksilver card ending in XXXX. The package was left unattended at the door of my townhouse without signature confirmation or any attempt to contact me. I never received the item, and Capital One closed the dispute in favor of the merchant. For a high-value luxury item, leaving it unattended is an unsafe delivery. The delivery photo provided does not prove that I personally received the package. I am requesting assistance from CFPB to ensure that Capital One reconsiders my dispute. I can provide supporting documents, including tracking information and delivery photos. I would like to add that I have been a long-time loyal customer of XXXX and have purchased many items from them over the years. Despite this, neither the merchant nor my bank has taken responsibility for the package, which was a high-value purchase of {$980.00} and was left unattended without signature confirmation. I never received the item, and the delivery photo alone does not prove that I personally received it. I respectfully request that CFPB assist in ensuring that Capital One reconsiders this dispute and issues a full refund, which I believe is a fair and reasonable resolution given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, First of all, thank you for all the help for my case CFPB XXXX XXXX : XXXX. I am writing to formally contest the information provided in the companys recent response. Specifically, the statement alleging that " On XX/XX/year>, the merchant processed a credit of {$75.00} '' is factually incorrect and appears to misattribute a separate transaction to this dispute. Please note the following clarifications : Misidentification of Credit : The {$75.00} credit cited by the company was a refund from XXXX for a purchase made on XX/XX/year> ( see the screenshot provided in my original complaint ). It is entirely unrelated to the XXXX XXXX transaction. XXXX XXXX : As documented in my previous submission, the final authorized charge from XXXX XXXX should have been {$180.00}. The company has incorrectly conflated the XXXX refund with the XXXX XXXX billing. Furthermore, the accounting discrepancy is evident when comparing the figures : deducting the {$75.00} credit from the original transaction attempt of {$250.00} results in a balance of {$170.00}, which does not align with the actual charge of {$180.00}. This further confirms that the credit in question is unrelated to the transaction currently under dispute. In light of this clear accounting error, I formally request a secondary review of my case. I remain available to discuss this matter via telephone if further verbal clarification would expedite the resolution. Thank you for your continued assistance in correcting this oversight. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX Complaint XXXX XXXX : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the XXXX hold period ends. XXXX : Account permanently limited on XX/XX/XXXX. XXXX is {$1700.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The XXXX hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1700.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am a Colombian national. In XX/XX/year> I opened an account with XXXX XXXX XXXX XXXX and shortly afterward transferred {$1500.00} and {$2000.00} from XXXX seperate accounts. The bank then froze my account and demanded I prove my identity in person. However, during that time my visa to the XXXX expired and the federal government suspended granting any new visas to my home country of XXXX. I have sent notarized letters from my embassy proving my identity but they continue to insist I appear in person, which is impossible.

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 2026-03-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
" Wells Fargo charged my debit card {$1500.00} for an XXXX booking I made on XXXX. I told the host right away I might get a job out of stateshe said 'no problem, ' she had XXXX other people, XXXX it was fine to reserve it just in case. I got the job XXXX morning, called her immediately XXXX cancel before XXXX never stayed, never used it. She said XXXX 's okay ' at XXXX, then suddenly claimed XXXX policy XXXX refused refund. I booked XXXX, canceled XXXX days total, no real chance to cancel earlier, no time to read fine print. I sent Wells Fargo every text/email proving cancellation before the charge hit ; they confirmed they got it, approved my chargebackthen XXXX fought back, Wells Fargo XXXX XXXX XXXX. They 'lost ' my proof after saying they had it. Worst part : the {$1500.00} was charged after XXXX XXXX, right? Now my account 's negative {$800.00}, overdrafts stacking, XXXX they won't reverse itsay it's my fault. This happened XXXX months ago. No old phone or email left. I want the full {$1500.00} back, all fees gone, no XXXX XXXX let XXXX charge me post-cancellation XXXX lost my evidence. ''

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I opened a checking account at the XXXX XXXX XXXX XXXX, NM, in XXXX. The representative who assisted me, XXXX XXXX XXXX, explicitly guaranteed that my promotional bonus code was successfully applied XXXX my new account ( more than XXXX time ). However, I found out recently, on XX/XX/XXXX, that this was incorrect XXXX the bonus was never attached. XXXX XXXX XXXX claimed she opened an internal ticket XXXX fix it, but I have received no tracking number, email, or official proof of this action. I actually tried XXXX close this account, XXXX the only reason I am keeping it open is XXXX receive the bonus I was promised. Because of this delay XXXX misinformation, I was charged a $ XXXX monthly maintenance fee for an account I would have already closed otherwise. I tried XXXX resolve this directly by sending a XXXX XXXX through the Wells Fargo XXXX, but the system does not allow customers XXXX compose new messages XXXX the XXXX is impossible XXXX contact ( forever in waiting ).

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 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. This dispute is made pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX et seq. Under XXXX XXXX. XXXX, I am requesting full validation of this alleged debt. Until you provide proper validation, you must cease all collection activities XXXX communication regarding this matter. Your company must provide the following : The name XXXX address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history of the alleged account. Proof that your company has legal authority XXXX collect this debt. Proof the debt has not exceeded the applicable statute of limitations. Documentation proving the amount you claim is accurate XXXX lawful. Additionally, any attempt XXXX report or continue reporting this disputed debt XXXX credit reporting agencies without proper validation constitutes a violation of the Fair Debt Collection Practices Act, including but not limited XXXX XXXX XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. This dispute is made pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX et seq. Under XXXX XXXX. XXXX, I am requesting full validation of this alleged debt. Until you provide proper validation, you must cease all collection activities XXXX communication regarding this matter. Your company must provide the following : The name XXXX address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history of the alleged account. Proof that your company has legal authority XXXX collect this debt. Proof the debt has not exceeded the applicable statute of limitations. Documentation proving the amount you claim is accurate XXXX lawful. Additionally, any attempt XXXX report or continue reporting this disputed debt XXXX credit reporting agencies without proper validation constitutes a violation of the Fair Debt Collection Practices Act, including but not limited XXXX XXXX XXXX. XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a purchase on XXXX. On XX/XX/30, I receive an email stating that XXXX of the products was out of stock XXXX would be available the XXXX week in XXXX. No option XXXX request a refund or anything. I never received XXXX of the products XXXX did a chargeback with my bank. The bank investigated XXXX sided with the merchant even though I provided proof of the merchant admitting XXXX their mishap!!! Wellsfargo does not operate for the benefit of their consumers. Right, wrong or indifferent, they will reverse every claim XXXX not make any efforts XXXX investigate. My monies are deposited into this institution on a weekly basis XXXX they do nothing XXXX protect me or my money!!!

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service XXXX XXXX Complaint XXXX XXXX : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the XXXX hold period ends. XXXX : Account permanently limited on XX/XX/XXXX. Balance is {$2400.00}. On XX/XX/XXXX, PayPal emailed threatening XXXX clear funds. The XXXX hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts XXXX resolve : Contacted PayPal multiple times, but they failed XXXX explain or restore access. Desired resolution : Lift withdrawal restriction immediately XXXX allow transfer of {$2400.00} XXXX my bank account.

Company response to consumer: Closed with explanation