vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account reported by XXXX XXXX XXXX On or about XX/XX/XXXX, I disputed this account with XXXX, stating that the charges are inaccurate and not owed. Within approximately 3 days, the account was marked as verified without any documentation being provided to me. This alleged debt is related to a former rental property. I vacated the unit after providing proper notice and was informed during move-out that the unit was left in acceptable condition. I did not receive a final itemized statement, supporting documentation, or proper notice of these charges at my forwarding address. The amount being reported is inaccurate, and I dispute the validity of this debt in full. On [ XX/XX/XXXX, I formally requested validation from XXXX XXXX XXXX including a signed lease, full payment history, itemized charges, photos of rental unit, and proof of authorization to collect this debt. As of today, no sufficient documentation has been provided. Despite this, the account continues to be reported on my credit file as accurate. I am requesting that this account be fully investigated and removed if the furnisher can not provide proper documentation to support the validity and accuracy of this debt. This matter involves potential violations of the Fair Credit Reporting Act, including failure to conduct a reasonable investigation and reporting of unverified or inaccurate information.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
" Capital One Auto Finance repossessed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX required Capital One to mail a Notice of Intent within 48 hours. Capital One 's own Notice of Intent is dated XX/XX/XXXX 18 days after the repossession. This violates the XXXX XXXX XXXX XXXX and XXXX XXXX and bars any deficiency collection. Capital One continues to pursue a {$23000.00} deficiency that is legally void. Additionally, when I asked Capital One in writing about a {$10000.00} down payment that was never applied to my loan, Capital One 's Validation of Debt response simultaneously issued a Cease and Desist cutting off my right to further written communication before I could respond. Capital One has also directed third parties to contact my wife, who is not a co-signer on this account. My loan was securitized into XXXX XXXX and Capital One acted beyond its authority as XXXX when it ordered the repossession. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
The company XXXX XXXX XXXX XXXX The owners of the app XXXX, charge my cash app for XXXX on XX/XX/XXXX of XXXX and again on XX/XX/XXXX of XXXX on a subscription that I canceled with XXXX on XX/XX/XXXX they bypass the XXXX system and charge my cash app directly I have put in the dispute with cash app for the XXXX on the XX/XX/XXXX I just barely discovered the XXXX on XX/XX/XXXX as I was looking back on the case for the XX/XX/XXXX dispute for the XXXX that I was charged on XX/XX/XXXX all include those receipts the email and then I have a XXXX chat log with cash app where they pretty much ended the chat with me when I was requesting information on my case because they didn't provide me with any and they kept using generic XXXX weights after they've already made me wait for I think believe it's XXXX days now maybe XXXX, they've blown way past their date that they gave me XX/XX/XXXX and it's XX/XX/XXXX or XXXX now and I'm still waiting and they haven't given me an answer I entered a chat with him and I still have no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I am filing this complaint because a rental account was opened in my name without my knowledge or authorization, and it has now been reported on my credit report with a balance that I do not owe. I have never lived at, applied for, or signed a lease for the property associated with this account. I did not authorize anyone to use my personal information for housing or rental purposes, nor did I benefit in any way from this account. I became aware of this issue on or about XX/XX/year> when I reviewed my credit report and noticed the unfamiliar account and balance. This is a result of identity theft and unauthorized use of my personal information. I have disputed this account and taken steps to protect myself, but the account remains on my credit report and continues to negatively impact me. I am requesting a full investigation into this matter, immediate removal of this fraudulent account from my credit report, and confirmation that I am not responsible for this debt. I also request that the company provide documentation showing how this account was opened and verified, including any lease agreements, applications, or identification used. I expect this matter to be handled in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank regarding a retention offer that has not been honored. I contacted Citibank to close my credit card back to last year XXXX or XXXX, and during that call, I was offered a retention promotion : spend {$3000.00} within 6 months and receive XXXX XXXX Points. I accepted this offer. I completed the required spending within the specified timeframe. However, the promised points have not been credited to my account. I have contacted Citibank customer service multiple times over the past several months. Each time, I was told the issue is being processed, but no resolution has been provided and no timeline has been given. This ongoing delay is unreasonable and constitutes a failure to honor a clearly communicated and accepted retention offer. I am requesting that Citibank immediately credit the promised XXXX XXXX Points to my account and ensure that such issues are properly handled in the future.

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 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: LA

Complaint narrative:
A XX/XX/year> notice that the Department of Education sent to me states that my Borrowers Defense Application is approved. And DOE 's notice states, XXXX XXXX, that Id receive a refund for any payments made to the Department of Education on my XXXX Federal Student Loans including XXXX Federal Student Loan debt that I previously paid off. Nelnet did process my refund despite clear language contained in the notice from DOE which states : The Department has determined that you are entitled to settlement relief for the loans taken out on or after XXXX associated with your enrollment at XXXX XXXX XXXX XXXXXXXX. Furthermore, the DOE notification refers to loans previously paid off! Because DOE agrees with my allegations, and DOE agrees with my request for refund ( XXXX ), no justification exist for not refunding my loan payments especially money garnished from my social security benefits and the loan I paid off. On behalf of innumerable people with student loan debt -- pursuant to the Higher Education Act and in light of critical reports on loan servicers including Nelnet, its necessary to investigate Nelnets REFRAIN / DENIAL of my student loan payment refund ( XXXX ). With regard to other consumer matters, content on my blog is posted here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This complaint involves discriminatory and retaliatory treatment at a Wells Fargo branch, as well as the companys failure to properly investigate and address my concerns. On or about XX/XX/year>, I visited a Wells Fargo branch to conduct a transaction involving my account. During this interaction, I was subjected to treatment that I believe was discriminatory and retaliatory in nature. The conduct I experienced was not consistent with standard customer service practices and resulted in unequal treatment and harm. Following this incident, I made multiple attempts to resolve the matter directly with Wells Fargo. I submitted complaints, requested escalation, and specifically asked for a full investigation into the actions of the employees involved. In particular, I requested : - Review of in-branch video footage from the date of the incident - A detailed explanation addressing each of my claims, including discrimination, retaliation, damages, and corrective measures - Documentation of the investigation process and findings Wells Fargo failed to provide a meaningful investigation. Instead, I received generic responses citing company policies, without addressing the actual events, employee conduct, or my specific allegations. During a recent phone call with a Wells Fargo escalation representative, I was informed that no review of video footage had been conducted. This confirms that no thorough investigation took place despite my repeated requests. Additionally, Wells Fargo prematurely closed my case multiple times, stating that no new information was provided, while failing to address the core issues raised in my complaint. As a result of this failure to investigate and respond appropriately, I have suffered ongoing harm, frustration, and lack of resolution. I am requesting that Wells Fargo : 1. Conduct a full and independent investigation into the incident, including review of all available evidence such as video footage 2. Provide a written response addressing each of my claims : discrimination, retaliation, damages, and corrective actions 3. Explain the basis for prior case closures without a complete investigation 4. Take appropriate corrective measures to ensure this conduct does not occur again To date, Wells Fargo has not provided a sufficient response or resolution.

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 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: Albert Corporation
State: VA

Complaint narrative:
Subscription was closed on XX/XX/year>, and was later charged XXXX $ on XX/XX/XXXX. XXXX. I reached out to them to confirm account was closed, after receiving confirmation it was closed I asked for a refund and was denied. I was charged for a subscription I couldnt use on an account they confirmed was already closed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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:
In XXXX, I received a text from wells fargo asking if I recognized an unauthorized charge. I did not recognize this charge and immediately hit the " no '' option. I was charged anyways. So I filed a dispute and told them that I hit " no '' in the text received by them and that i did not authorize this charge. They ended up providing a {$410.00} provisional credit while they investigated the matter. Now the beginning of XXXX I receive a letter in the mail stating they are denying my claim and taking the provisional credit back. What I am not understanding is why is there an automated service to detect fraud on your account but if you click " no '' which should stop the charge, it goes through anyways and then nothing is done? I asked if they can reopen the claim and was told no.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Hello Credit Karma money spend/ XXXX XXXX wrongfully closed my account and I still havent received my check in the amount of XXXX after they said I would receive it in 7-10 business days. Then they owe me my other XXXX dollars so in total my check should be XXXX so I need my check to be reissued immediately I havent had access to my funds since they locked my account on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am filing another severe complaint against XXXX XXXX XXXX XXXX XXXX XXXX and Wells Fargo Bank , N.A . for a coordinated pattern of illegal debt collection practices, FDCPA violations, and now failure to protect federally exempt funds. XXXX XXXX XXXX has repeatedly targeted a joint checking account to illegally seize my XXXXXXXX XXXX XXXX personal checks and now federally protected student grants, resulting in severe financial harm, including the loss of his rent and food money. Wells Fargo facilitated this abuse and actively obstructed our rights. This occurred in XXXX specific incidents : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seized approximately {$540.00} from the account. These funds were entirely my son 's work checks. Wells Fargo failed to conduct a proper account review for this account show all funds belong to him and everything spent in in XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX ) ) Obstruction of Rights ) : They seized approximately {$9000.00} When my son and I attempted to claim our legal exemption during the state-mandated 10-day hold period, Wells Fargo and XXXX XXXX XXXX us XXXX Wells Fargo representatives hung up on me multiple times and refused to transfer me to a supervisor, then when I went to the location refused me service for no reason ( the manager did it after the refusal of the banker that still works their and refuses to help me ) while the law firm ignored my messages. They deliberately tried to run out the clock so we could not formally protect the money, depriving a student of his survival funds. XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Firm personally executed another manual withdrawal of {$440.00} after telling the judge he believed me when I said it wasnt my money, but just wanted more proof it was my sons money. I immediately notified Wells Fargo that the Writ of Execution used by the law firm had expired on XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). Wells Fargo refused to stop the transaction or initiate a dispute. Wells Fargo even admitted to seeing the federally protected funds two weeks prior and still refused to reverse the transaction. I was forced to file an XXXX XXXX XXXX XXXX with the state court. Once the Court accepted my motion, XXXX XXXX Firm panicked and initiated a " Legal Order Reversal, '' proving they knew the seizure was unauthorized and the writ was expired. I do also have the full voice recording of the representative I was on the phone with

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 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year>, I received a email from chime notifying me that my account has been closed and im not eligible for a refund. So I been constantly calling chime customer service over and over trying to get information about my money. All that they tell me is that my account has been closed and im not eligible to receive the funds that was left over in my savings account as well as my checking and credit builder account. I continued to call and ask to speak with management, they constantly refused and hung up on me. I even tried contacting XXXX XXXX that chime is with and they also wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint regarding a credit card account with Capital One that was recently charged off despite my active efforts to maintain the account in good standing. I was repeatedly contacted by Capital One representatives and was explicitly told over the phone that if I made paymentseven small payments such as {$25.00} $ XXXX account would not be charged off. Based on this information, I made multiple payments in good faith to prevent this outcome. Despite following these instructions, my account was still charged off. I relied on the information provided by Capital One representatives, and these calls should be recorded and verifiable. Additionally, I made multiple requests to update my mailing address, which were not properly processed. As a result, I did not receive important account communications or a replacement card that I was told had been sent. This lack of proper notification directly impacted my ability to manage the account. Due to these issues, I believe I was misled and not properly notified, which resulted in an unfair and damaging charge-off being reported on my credit file. I am requesting the following resolution : A full investigation of call recordings and account notes Correction or removal of the charge-off from my credit report Confirmation that my address update requests were reviewed and addressed I am willing to resolve the balance in full ; however, I am requesting that this matter be fairly corrected due to the circumstances described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My name is XXXX XXXX I am filing a complaint regarding XXXX handling of my transaction dispute. I used my XXXX balance to pay {$46.00} for a food ( XXXX XXXX ) order in advance. When the order was delivered on the day of XX/XX/26 items I paid for were missing. I filed a dispute with XXXX against XXXX XXXX explained to them what happened with the missing items and then I spoke with the merchant and even when in person to speak with them. The dispute was filed on XX/XX/26 and they denied it XX/XX/26. Along with XXXX deniying my dispute by incorrectly categorizing it as a quality of food issue. This is inaccurate. My dispute is based on being charged for goods that were not received. I made multiple attempts to resolve the issue directly with the merchant, including visiting the store in person as I stated before, but was unsuccessful due to a language barrier and management being highly unprofessional. This situation qualifies as a billing error involving goods not received. I am requesting that XXXX properly investigate and correct the dispute classification, and issue a refund for the missing items. I am also requesting a review of XXXX dispute handling practices in this case. This is not fair. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Formal Complaint : Abusive and Deceptive Banking Practices ( Regions Bank ) The Issue : Illegal Fund Withholding and Predatory Account Closure I am filing this complaint due to a systemic, predatory practice by Regions Bank involving the " soft-closure '' of active accounts without notice, resulting in the constructive seizure of my funds. XXXX. Proof of Active Account Status : Despite the bank 's claim that my account was " inactive '' or " closed due to a XXXX balance, '' my official transaction records prove I have used this account almost daily. Between XX/XX/year>, and XX/XX/year>, I made over XXXX transactions, including multiple deposits. Specifically : XX/XX/XXXX : Multiple deposits and payments ( XXXX, etc. ). XX/XX/XXXX & XX/XX/XXXX : Active transfers and expenditures. XX/XX/XXXX : I made four separate deposits totaling {$500.00}. XX/XX/XXXX ( Today ) : I deposited {$400.00}, which the bank accepted. XXXX. The " XXXX XXXX '' ( Deceptive Practice ) : Regions Bank intentionally allows deposits to post to an account they have internally flagged as " closed. '' They accepted my {$400.00} today but immediately froze the account, blocking me from using it for gasoline or food for my children. By accepting funds into a locked state without prior warning, the bank is engaging in a deceptive practice designed to " trap '' consumer liquidity. 3. Unearned Fees & Breach of Contract : I am charged a {$10.00} monthly service fee on two separate accounts ( Totaling $ XXXX ). If I am paying for a " Service Plan, '' I am entitled to the service promised. The bank can not legally collect a maintenance fee while simultaneously implementing a " hair-trigger '' lockout policy that suspends that very maintenance the moment a balance hits XXXX. This is a deceptive fee for a service the bank has intentionally XXXX via automation. XXXX. Disregard for XXXX XXXX ( Abusive Conduct ) : Today, while my car was in the repair shop and I was unable to travel XXXX minutes to a physical branch, I informed Regions ' customer service of a verified hardship : I needed my funds to provide dinner for my children. I was met with laughter and a refusal to escalate the matter for a manual override. This total disregard for the welfare of minors, while the bank sits on {$400.00} of my property, is unconscionable. Desired Resolution : I am seeking the immediate release of my funds ( {$400.00} ). I am also requesting a formal investigation into Regions Banks " soft-close '' automation and its fee-collection practices, which violate UDAAP standards regarding fair notice and accessibility of funds.

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