vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Richard Stone & Associates
State: TX

Complaint narrative:
I am filing a complaint against Richard Stone & Associates for utilizing illegal and deceptive debt collection tactics in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they are violating 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation in connection with the collection of any debt, including threatening to take action that can not legally be taken. The firm is attempting to collect on an invoice ( Case # XXXX ) originating from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, for the amount of {$1300.00}. Because this alleged debt is well past the four-year statute of limitations for debt collection in Texas, it is a time-barred debt. Instead of adhering to lawful collection practices, Richard Stone & Associates has made multiple baseless threats to coerce payment : False Threat of a Lien : The firm threatened the " potential filing of a lien '' against my property. Under the Texas Property Code, the deadline to file a mechanic 's lien on a residential project is one year. That deadline expired in XXXX. Threatening to file an expired, legally impossible lien is a deceptive practice. False Threat of Criminal Action : The firm threatened legal action for " misappropriation of funds. '' Based on the invoice amount ( {$1300.00} ), any associated criminal charge would be a misdemeanor, which carries a strict two-year statute of limitations in Texas. That deadline expired in XXXX. Threatening non-existent criminal prosecution to collect a civil debt is a clear violation of the FDCPA. By threatening civil lawsuits, liens, and criminal actions that are entirely time-barred, the firm is intentionally misrepresenting the legal status of this debt in order to harass and intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, my Fifth Third checking account had a withdrawal of {$35000.00} by our merchant services. I did not recognize this withdrawal and contacted the merchant services, XXXX XXXX XXXX and had the issue escalated. I have emailed Fifth Third bank to inform them of this unauthorized withdrawal and asked the manager to escalate this issue to upper management. I have contacted merchant services several times and contacted their collection and risk management by phone and email. So far I have NOT received any response to my inquiry. As of today my account is still missing {$35000.00}. I need help in getting the funds back into our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Penn Credit Corporation
State: TX

Complaint narrative:
XXXX XXXX started harassing me last year when they sent me unpaid toll violations dating back to XXXX of 2022, including time when I was in a hospital. They sent me several notices over the course of the first few months of last year until the fall stating that I had been running tolls that took place while my vehicle was out of commission. Every date mentioned was on the same date every month for a period of XXXX months or so. I still obliged and paid in full using their online portal. After I did that- not even a month later- I received ANOTHER request to pay for a ANOTHER license plate after I voluntarily relinquished my car just to avoid any more fees. They called me and told me that I had to pay THAT DAY, THAT THEIR Client - XXXX XXXX was in the office and wanted an answer that day. For all dates they claimed I violated, they attached accommodating fees for notices I NEVER received by mail. I requested that they send me the invoices XXXX months ago and they did do I agreed to pay AGAIN as I explained that the tolls were of my ex-boyfriends doing because he drove the car that was in question when I went to work. Again, he paid after we received a series of letters either NO XXXX information - only invoice numbers with dates and no reference to the client. I have recorded calls of all of this. After we paid THAT, they told XXXX XXXX that there were no more invoices to be paid, that we were paid in full. Now, I get a notice in the mail calling me a habitual toll violator which is a crime in XXXX XXXX punishable by a warrant, court fees, and jail time. The drivers license on the notice is a car Ive never driven EVER in my life, and especially not in the state of Texas and I know this because Ive only had XXXX or XXXX cars since I bought my first car at the age of XXXX. I am an honest XXXX, obeying the law, raiding a XXXX in my own and they have harassed me and now are threatening my freedom and the safety of my only XXXX. I am afraid for my liberty now and now suspect everything was fraudulent from the beginning committed to oppress and restrain my monetary health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: MD

Complaint narrative:
I canceled in order multiple times and it was still shipped to me even though I expressed I did not want it it was even refused and they are holding up the dispute by being non responsive when I have been talking with them via email and text messages and they were very responsive. The issue that I have with the credit card is that they have only reached out one time and also they have no way for me to upload supporting documents prove my case they are essentially assisting them to avoid having to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Issue : Deceptive Promotion and Intentional Removal of Transaction Evidence ( Points History ) To Whom It May Concern, I am filing this formal complaint against PayPal regarding a systemic failure to honor their " 20 % Point Back with Pay in 4 '' promotion and the subsequent removal of all evidence of these rewards from my account dashboard. Detailed Incident : Promotional Incentive : I participated in a PayPal XXXX offer for 20 % points back on purchases made via " Pay in 4. '' Based on this specific incentive, I completed several transactions. Initial Confirmation : After my purchases, I verified my PayPal XXXX dashboard, and the points were correctly listed as " Pending. '' This confirmed that my transactions met all eligibility requirements. Disappearance of Records : Recently, I discovered that all " Pending '' records related to this 20 % offer have been completely wiped from my account. There is no longer any trace of these pending rewards in my history, making it impossible for me to track or redeem the credit I earned. Lack of Transparency : PayPal has removed these records without any notification, email explanation, or adjustment history. This appears to be an intentional effort to withhold promised rewards by removing the digital paper trail. Total pending point wipe out from my account is more than XXXX points pending related to my paypal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a phone call claiming to be XXXXXXXX XXXX XXXX. It was not. It was a scam and they charged XXXX charges on XX/XX/year> totaling {$2300.00}. I filed dispute with XXXX & was told that I would not have to pay for fraudulent charges. Now they have added those charges to my statement. I never heard of this company, supposedly in XXXX XXXX and have no idea what they might sell. My guess is that it is a XXXX XXXX and website to defraud customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
Hello, I am writing to formally dispute a transaction and request immediate assistance in locating and applying a missing refund. On XX/XX/XXXX, I used Zip to finance the purchase of an XXXX through XXXX. The product was defective and stopped working shortly after purchase. I returned the item, and XXXX confirmed that a full refund in the amount of {$710.00} was issued back to the original payment method ( Zip virtual card ). Below are the transaction details for your reference : Zip Order Number : XXXX XXXX XXXX ID : XXXX Refund Amount : {$710.00} Refund ID : XXXX : XXXX XXXX XXXX Refund Date : ( as provided by XXXX ) I contacted Zip customer service XXXX ( XXXX ) XXXX and provided all of the above information. However, the issue remains unresolved, and I have not received the refunded funds or any account credit. Additionally, XXXX informed me that the order was processed using an alternative or masked email address that does not match my personal email on file with Zip. I was unable to obtain that email due to their privacy policy. This indicates that the transaction was processed using a Zip-generated virtual identity, and therefore the refund should still be traceable within your system. At this time, I am requesting the following : Immediate tracing of the refund issued by XXXX to the Zip virtual card Application of the refund to my Zip account or reimbursement to my original payment method Refund of all payments I have made toward this purchase Confirmation that all remaining payments are paused during this investigation This matter has been ongoing since XXXX and has not been resolved despite multiple attempts. If this issue is not resolved promptly, I will be forced to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau. Please treat this as a formal dispute and provide a response as soon as possible. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am filing a complaint against Midland Credit Management for reporting a fraudulent account on my credit report. I did not open, authorize, or enter into any agreement related to this account. This account is the result of identity theft. I have filed an Identity Theft Report with the Federal Trade Commission and provided notice that this account is not mine. Additionally, this account was previously removed from my XXXX credit file on XX/XX/year>, but has since been reinserted, which is a violation of the Fair Credit Reporting Act. Midland Credit Management has failed to ensure the accuracy of the information they are reporting and continues to report this account despite being notified of the fraud. I am requesting : Immediate deletion of this account Proof of verification and documentation bearing my signature Confirmation that this account has been removed from all credit bureaus This inaccurate reporting is negatively impacting my credit and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
I leased a XXXX with Central Bank, and paid the car off last year. The payoff amount included personal property tax for last year. However, the bank failed to pay last year 's personal property tax. I received an unpaid tax bill from the state, which already incurred interest and fine, and I can't renew my license plate for this year!! I contacted Central Bank by every phone number I could find for multiple times, it got me nowhere. I also went to their local branch at XXXX XXXX, clerk said they didn't have leased car information there, gave me a phone number which I already called multiple time. There's absolutely no way to find anybody on this matter! It's a horrible horrible bank to deal with. If I had a choice, I wouldn't do any business with this bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with you as Bank this year. I put money in there. I put my direct deposit from IRS for taxes. Everything got deposit then I did not receive my physical card. I only had my XXXX XXXX card. I filed multiple fraud disputes because the transactions that were showing on my card or not mine, even that they told me that my card was active for the physical card which I have never received. They close my account without even my notice I did not receive anything in my mail or nothing that my account was being closed on XX/XX/XXXX of XXXX. I spoke with them multiple times to see if I can get my money back from my checking account, but they have told me because I dispute so many transactions they will not give me my money back they put a hold on my account, but Im a single mom and all my money from IRS that I had for my kids for my taxes are on the account and they are not releasing any of the money to 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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I called numerous times and got the runaround with Chime, I contacted XXXX XXXX the financial institution that holds my funds and told them Im invoking Regulation E and I send a detailed email. I have a screenshot of my account ledger right before the issue happened. I included that and a screenshot of the current ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a victim of a long-term romance scam involving XXXX transfers through my bank account. I met the individual in XXXX and developed a personal relationship over time, including in-person meetings in XXXX and XXXX XXXX XXXX Based on this relationship, I trusted the individual and sent money upon repeated requests between XXXX and XXXX via XXXX. The total amount sent is approximately {$70000.00}. The individual used the name XXXX XXXX XXXX also XXXX XXXX ) and provided phone numbers including XXXX and XXXX. He claimed to be based in New York and involved in political and cryptocurrency-related business activities. The payment pattern involved occasional repayments to build trust, followed by larger requests for money. In XX/XX/XXXX, the individual claimed his office had been raided due to a cryptocurrency investigation and changed phone numbers. On XX/XX/XXXX, he stated he was traveling to XXXX XXXX to manage assets and has not been reachable since. I contacted my bank to report this as fraud and requested investigation, recovery options, and tracing of the XXXX transactions. However, I have not received clear information or resolution. I believe I was deceived into sending these funds under false pretenses and request that the bank fully investigate this fraud, attempt to recover the funds, and take action against the recipient account associated with these transactions.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' UPLIFT INC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
The debt collector refuses to speak with my fianc regarding my childs medical debt, even when I give permission. This is making it difficult to resolve the debt because he helps manage finances. I attempted to authorize communication, but they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding a fraudulent incident involving my debit card and the handling of my case by your customer service team. Recently, I was contacted by an individual who claimed to be a representative of Wisely. Believing the call to be legitimate, I followed their instructions. Shortly after, I discovered that nearly all the funds in my account had been withdrawn, leaving me with only {$96.00}. I immediately contacted your customer service department to report the fraud. During that call, I was informed that the transaction was not initiated by your institution and that I would need to wait XXXX business days for an investigation to be completed before any potential refund could be issued. I explained the urgency of my situation, as this incident left me with almost no access to my money, but I was still told to wait. Additionally, the representative locked my debit card. When I asked if I could at least withdraw the remaining {$96.00} to have access to basic funds, I was told that I would need to submit paperwork before my card could be unlocked. This has placed me in a very difficult financial position. I also requested to speak with someone above a supervisor due to the seriousness of the situation. However, I was told that I would need to schedule an appointment instead of being immediately escalated, which I find unacceptable given the urgency and severity of this matter. I am extremely frustrated and concerned about both the fraudulent activity on my account and the lack of immediate support provided. I respectfully request the following : Immediate review and expedited handling of my fraud claim Temporary access to my remaining funds Clear communication and escalation of my case to a higher-level representative Improved customer support in urgent fraud situations I trust that this matter will be taken seriously and addressed promptly. I look forward to your response and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Formal Complaint - Unauthorized Transaction and Account XXXX " I am filing this formal complaint against Chase Bank due to a security breach on my account that occurred on XX/XX/XXXX. An unauthorized third party gained access to my online banking and, without any security alerts being triggered, created a new beneficiary using my own name to mask an external account. Under this fraudulent setup, a {$200.00} transfer was sent via XXXX on XX/XX/XXXX to what appeared to be my own account, but was actually diverted to a business entity I do not recognize. Chase Bank denied my initial claim, stating the transaction was 'authorized. ' However, the bank is ignoring the fact that my account security was compromised ( Account XXXX ) to facilitate this fraud. I am requesting a full reconsideration and a refund of the {$200.00} under Regulation E, as the bank failed to prevent an unauthorized user from altering my beneficiary list and bypassing security protocols on that date.

Company response to consumer: Closed with explanation