vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I put a dispute for 3 wrong charges that I didn't authorized, PNC Bank created a dispute request for me and cancelled my debit card, They reversed the charges saying that investigation was done and due to usage pattern we did not approve the dispute, This investigation is wrong and not proper I haven't authorized or signed a contract with the merchant does the merchant has my authorized hand signature, Do I have spend with this merchant before Of course not, I demand them to do a proper investigation my credit was reversed my account in negative now. PNC not responding, If proper investigation cant be done I would like to close my business with them. transaction amounts 1. {$69.00}, {$110.00}, {$130.00} for merchant XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am submitting this complaint regarding what I believe to be the improper re-aging of a debt account on my credit report. Upon reviewing my credit reports, I discovered that a debt account is being reported with inaccurate delinquency information that appears to make the account seem newer than it actually is. The reporting of this account does not reflect the original date of delinquency and has caused the account to remain on my credit report longer than permitted. I believe this reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of credit information and limits how long negative information may remain on a consumers credit report. Re-aging an account by changing the original delinquency date is misleading and adversely affects my creditworthiness. I am requesting a thorough investigation into this matter and ask that the accounts reporting history be reviewed for accuracy. If the information can not be verified as accurate and complete, I request that it be corrected or removed from my credit file. I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: AZ

Complaint narrative:
There were 3 overdrafts for {$34.00} on XX/XX/XXXX. There was also one on XX/XX/XXXX, for {$34.00}. And also on XX/XX/XXXX they're telling me, I hit my limit and they can't give me my money back, I'm very sick. My daughter tried XXXX XXXX herself. I need to as much money in my account as possible. It's insane. My medical bills have piled up and chase just doesn't care. I've never experienced this with them. They've always given me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Mortgage Company " XXXX '' ( XXXX XXXX XXXX ) " sold '' my existing mortgage loan to a new loan servicer, PNC Bank. I had " Autopayments '' set up with the previous loan servicer ( XXXX ), which accessed a non-mortgagee third party accounts for ACH debits. These terms were set up in writing with the previous mortgage company. I furnished new loan servicer PNC Bank with a copy of XXXXXXXX XXXX written policy guidance on this matter, whichi clearly states the following : " If you wish to sign up using a checking or savings account belonging to a third party, we will need authorization from the account holder...... Complete and return the signed authorization form with : * A signed letter from the third party granting permission to the borrower to use their bank account for recurring payments ( this applies to non-mortgagors only ). '' New mortgage company REFUSES to accept the same " autopay '' terms, saying it is " against their policy. '' As I and the third party often travel out of the country, this creates extraordinary extra effort on my part to otherwise ensure that payments are timely made. This is an outright VIOLATION of the Real Estate Settlement Procedures Act ( RESPA ), specifically Regulation X ( 12 CFR 1024.33.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
What happened was that in XXXX i was going to move into my college apartment near XXXX XXXX XXXX XXXX XXXX XXXX. I had a lease agreement with them and a few months before move in I got my financial aid package and I was not going to have enough money to pay the rent. So I quickly quickly reached out to the housing company and explained everything and everytime i called they would say okay we will see what we can do in the meantime please try and find someone to take over your lease. And i would post everywhere that I was not going to live there and for months I looked for a replacement. Now that entire year I had to move back home and drive to XXXX for my school while they kept charging me rent every month. I never even picked up the keys to look at the apartment. I can prove i never stepped foot in there. And i called and emailed and told them, Finally they sent me a letter about a year ago saying that they were going to sue me if i didnt pay up with them. I sent a letter disputing that legally they never tried to find replacement for themselves and by law they can not charge me for the apartment if they didnt make a reasonable effort to mitigate their own losses. For a entire year they knew that I was not there and was not living there and they didnt care. So when i sent that final letter they said we will send this to the department and then one say I get a call from the collection agency that now they want to charge me the money. I dont want to pay them because I suffered to much that year that I ended up with XXXX XXXX because of the XXXX of the commute and having to work to pay for gas. I refuse to pay them when im the one that had to suffer while they just sat there trying to collect rent from me knowing I wasnt there instead of figuring out how they could make their money back. Please help me resolve this. I need this collection deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Bank changed its online banking system in XXXX of last year. The new system paid bills I set up for automatic payment but they also made payments on bills I had cancelled on the old system. In XXXX they paid my real estate taxes the amount due and the amount I had cancelled. I am on XXXX XXXX and that wiped out my checking account. I had to wait months for the town to pay me back because the bank refused to do anything. They promised me it would not happen again and they cleared it up in their system. In XXXX they did it again and paid the real estate taxes twice again wiping out my checking account and overdrawing my account. Once again I contacted them and the same old story, they would look into it and file a dispute. I have not heard anything from them. I went to the bank in person and filed a complaint. I need the money to live, I am XXXX and on a fixed income. They are taking money out of my account without my consent. The bank is PNC Bank National Association. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I put in money in the bank, in the atm at XXXX today ( XX/XX/year> ), it was {$330.00}, I have the receipt for proof and it disappeared, no transaction or money went into my account, I had filed a dispute and my money is not back to me even though I have proof and I have to wait 10 business days but I worked hard for that money, I have XXXX kids, I rely on that money, I needed to buy formula and food so my XXXX XXXX XXXX and XXXX XXXX old can eat, now I have no money and I have to figure it out and I told the teller lady and she said it nots her problem, figure it out and that's just rude when my money was stolen and then I basically have to wait XXXX weeks for it, I'm not happy with that bank!! I hope citizens can do better!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding SELF FINANCIAL, INC. account ending in XXXX for an alleged account associated with my information. This complaint serves as a formal cease and desist request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ). I am requesting that all collection communications regarding this account cease immediately. I no longer wish to receive collection calls, text messages, emails, mailed notices, or any other collection-related communications regarding this matter except as expressly permitted under federal law. Despite ongoing collection activity, I have concerns regarding the handling and communication practices associated with this account. I am requesting that the company comply fully with applicable federal consumer protection laws and cease any improper, excessive, or unwanted collection communications. I am also requesting proper validation of the alleged account and any documentation demonstrating that I legally agreed to or authorized the account associated with this matter. I am submitting this complaint to create a formal documented record of this matter and my cease and desist request regarding further communications associated with this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

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 two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: GA

Complaint narrative:
* * * I reported this issue about XXXX months ago ( >45 days without any response ) through CFPB, they still have not responded. This is the classical behavior of Mohela that customers like myself struggle with. * * * I have three primary issues with Mohela that has accumulated over the months/years that I have been unable to resolve directly with Mohela. XXXX. Loan XXXX and loan XXXX I completely paid off. In fact, I over paid {$100.00} and {$35.00}, respectively. This occurred because the automatic payment and my one time payments to completely pay off the loan coincided. Unfortunately, Mohela refuses to refund me the {$100.00} and {$35.00}. I've attempted multiple times to get them to refund me, however, they say something to the extent of, " we won't do that, we will apply it to one of your other loans. '' This is unethical practice, I overpaid for those loans you should do what's right and refund me. NOT take my money and apply it to other loans the way you feel is necessary. I am not delinquent on any of my other loans, this is just not fair. 2. I've NEVER asked them to put my loans in forbearance if it will affect my XXXX eligibility. It's on autodraft and they have been taking out money from my bank account every month for many many years. Not a single missed payment. With that said, during prior issues they decided to put it in " administrative forbearance '' while they correct the errors they made. The issue with this is that payments on loan XXXX on XX/XX/year> and loan XXXX, XXXX, & XXXX on XX/XX/year> and XX/XX/year> are listed as ineligible on the student aid.gov website for XXXX. I have a phone call recording from Mohela that says if they put it in administrative forbearance those " {$0.00} '' payments still will count towards XXXX because they messed up. I contacted student aid and they said I need to contact Mohela to get this fixed. 3. I recently made large single payments to my loans and even paid off one of the loans. However, they still charge me the same monthly payment as before. They have not adjusted it accordingly. I tried to message them multiple times, no reply. I tried calling, it's impossible to get a real person on the phone. Please kindly help me.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/year>, XXXX issued a refund to my Blackhawk Network prepaid Mastercard account in the amount of approximately {$650.00}. The refund successfully appeared on my account transaction history. Blackhawk Network then placed a temporary hold on the refund. The account later reflected that the Expired Hold was removed on XX/XX/year>. My account currently displays an available balance of approximately {$650.00}. Despite the balance appearing available, I have been unable to use the card to pay bills or complete transactions. On XX/XX/year>, I attempted to make a utility payment using the card, and the transaction failed even though sufficient funds were available on the account. I contacted Blackhawk Network by phone to resolve the issue. During the call, I was informed that my matter would need to be escalated and that I would need to provide proof explaining why the merchant issued the refund. I requested clarification regarding why my funds were restricted after the hold had already expired, but I was not provided with a clear explanation or resolution timeline. As a result, I have been unable to timely pay bills and risk incurring late fees and other financial harm despite the funds appearing available on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
I went to the store used my XXXX card and soon as I used my card I had 5 charges taken out of my account from cash app and I didn't approve the transactions and now they want give me my money back saying I took my own money XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I discovered multiple charges from XXXX on my Bank of America account that I did not authorize. I immediately contacted Bank of America and filed a dispute because I do not have a XXXX account and never signed up for their services. Despite explaining this, Bank of America denied my dispute and determined the transactions were authorized without providing proof or documentation showing how they came to that conclusion. I requested a reinvestigation and supporting evidence, but I do not feel my dispute was properly investigated or taken seriously. As a result of these unauthorized transactions, I lost money from my account and I am requesting that the disputed funds be refunded back to me. I am also requesting that Bank of America provide documentation supporting their decision and fully reinvestigate these charges.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I had my paycheck garnished the past XXXX pay periods totaling in XXXX to a creditor garnishment. My company mailed me the reason for the garnishment and it was a court summons for XX/XX/XXXX that I have not been actually served. I do not know who this creditor is or what the debt is for and have been provided no documentation verifying or validating the debt. They sent this summons to my place of work and now I am being garnished before I was allowed to represent myself before a court of law. I was also never served by the company midland credit XXXX for this case. It was completely inappropriate that they contacted my employer this way and tried to circumvent the judge and trick my employer into garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This complain is for paypal, on XX/XX/year>, they put a limitation on my account, they holding {$37000.00} in cash and also {$120000.00} worth of crypto, they said it was for 180 days but nothing happened since then, i keep cqlling and they keep saying they will release the money in XXXX days ( this is the XXXX time ) its been XXXX year and XXXX months, i spoke with muy attorney and he said try with you guys since is been very Effective with many cases, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: LA

Complaint narrative:
I filed a dispute and they denied my claim saying the transactions matched my transaction history but in the email they addressed me as XXXX and that is not my name and now they are ignoring 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