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: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>XXXX we opened a savings account with PNC Bank. We opened the account at the location on XXXX XXXX in XXXX TX. We deposited a {$300.00} check from our personal account in Illinois and that check cleared our bank in Illinois the on XX/XX/year>. On XX/XX/year>XXXX I deposited a check for {$4900.00} to the PNC location on XXXX XXXX in XXXX Tx. The XXXX informed me that funds would be available the next day. I checked the status of the deposit on XX/XX/year>XXXX and found out that PNC decided to put a hold on my deposit for 5 days. PNC sent a USPS letter to our address in Illinois explaining the hold, even though they had my email and phone number and the fact that I am in Texas and won't see the letter until XXXX. PNC has not explained why the deposit was put on hold. It is below the {$5200.00} amount that could automatically trigger a hold. PNC has not been able to tell me it the check has cleared or any other status of the deposit. The Branch Banker who helped us open our account purported on XX/XX/year>XXXX that the funds would be available on XX/XX/year>. The funds are not available at this time. I checked the PNC website in detail and yes in the fine print it says that accounts that are less than 30 days old are subject to holds. The PNC website also states that if there are questions about when funds from a deposit would be available to ask the Teller. I did ask the Teller. It is inconsistent that PNC deposits the first check in a day, but if it is a larger amount of money, they decide to hold it without explination. I think PNC does this on purpose so they can use my funds for an extra three days to boost its net income. I did speak with numerous people at PNC on XX/XX/year>XXXX and could not get any real explanation for the basic problem that I was told next day available and it moved to 5. I also made the point with PNC during these advanced times of communication why they chose the most archaic sending me a USPS snail mail instead of an electronic option. I stand by me suggestion that PNC put a hold on the funds just to pad its bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
fraudulent activity on my Military Star Card account. I previously contacted customer service and reported that someone had been using my card without my authorization. At that time, the representative assured me the issue would be handled, my account would be closed, and no further charges or collections would occur. Unfortunately, that does not appear to have been resolved. Funds are still being taken from my drill pay, and my entire tax refund was also taken for this account, even though I never made any purchases with the card. The only thing I ever did was activate the card before my wallet and phone were lost, which is when this situation began. I trusted that the issue had been handled when I first reported it, but clearly it was not. This has placed me in a very difficult financial position and I am now on the verge of facing homelessness due to money continuously being taken from me for charges I did not make. I am respectfully requesting an immediate investigation into this fraud, closure of the account if it has not already been done, and reimbursement of the funds taken from my drill checks and tax refund.

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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is the third of XXXX credit cards that they close on the same day and again as I explained on the previous complaints, I was never late always on time XXXX issues with this account. They just kept on lowering my credit limit and finally XXXX day they decided to close XXXX accounts very unfairly.

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: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
At a Mattress Firm sales booth I was told the financing for the mattress would work like an XXXX-style payment plan where my credit would only be checked to determine a fixed monthly payment amount. The salesperson represented that the payment would be around {$70.00} per month and told me the credit check would not negatively impact my credit. Based on those representations, I agreed to run my credit and signed the paperwork believing I was agreeing to a simple installment payment plan similar to XXXX. I was not clearly informed that I was applying for or opening a revolving credit card account issued by Synchrony Bank. After the transaction, I discovered that a Synchrony credit card had been opened in my name with a balance of approximately {$3500.00} and a minimum payment significantly higher than what I was told ( about {$120.00} ). The new account and hard inquiry caused a significant drop in my credit score of approximately XXXX points. I disputed the account with the credit reporting agencies because I believe the account was opened under false pretenses and misrepresentation. The account was subsequently removed from my credit report, but the balance is still being claimed. I believe this credit account was opened through material misrepresentation during the sales process. I did not knowingly consent to opening a revolving credit card account. I only agreed to what was represented to me as an installment-style payment plan similar to XXXX. Because the terms of the credit product were not clearly disclosed and were materially different from what was represented at the point of sale, I am requesting that Synchrony Bank investigate the circumstances under which this account was opened, close the account, and remove the associated balance.

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: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: NE

Complaint narrative:
I went through cross country mortgage. I was dealing with the guy by the name of XXXX. We got everything to wear my down payment and closing cost was XXXX. He wrote a purchase agreement for me to have my Landlord sign, but there was some stuff on there that needed to be rewrote he said OK he would rewrite it and then resend it to me at this point. I asked him how long is my mortgage term and what is the interest on that its been well over a month now and I havent heard anything from him. I asked him hows things going sent him a picture that I had to cash all in hand and ready to go and got complete silence

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 caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1. Account History & Relationship I have been a loyal Wells Fargo customer for over 15 years. Throughout this tenure, I have maintained my account in good standing and adhered to the agreed-upon terms of my product. 2. Nature of the Complaint Starting in late XXXX, Wells Fargo unilaterally changed my account terms or product type, resulting in a series of Monthly Service Fees without providing adequate or direct notice ( such as a dedicated email or physical letter ). 3. Disputed Transactions I am requesting a full reversal of the following charges, totaling {$55.00} : XX/XX/XXXX : {$10.00} ( Previously reversed by phone ) XX/XX/XXXX : {$15.00} ( Previously reversed by phone ) XX/XX/XXXX : {$15.00} ( REMAINING DISPUTE ) XX/XX/XXXX : {$15.00} ( REMAINING DISPUTE ) 4. Grounds for Dispute Lack of Meaningful Notice : No direct communication ( email or push notification ) was sent regarding this change. The bank claims notice was provided on online statements ; however, these require manual navigation and do not reflect " conspicuous notice '' as expected for a price increase on a 15-year-old product. No Notice upon Login : No " Change in Terms '' banner or acknowledgment prompt appeared when accessing my account online during the months leading up to these charges. Partial Resolution Admission : A Wells Fargo representative previously admitted the error by reversing the first two charges. It is inconsistent and illogical for the bank to acknowledge the lack of notice for XXXX and XXXX but refuse to rectify the XXXX and XXXX charges arising from the same issue. Unauthorized Product Change : I did not provide signed acknowledgment or affirmative consent for a change to the product that would result in monthly fees. 5. Desired Resolution I am seeking a full refund of the remaining fees ( dated XX/XX/XXXX and XX/XX/XXXX ) and a written explanation of the current requirements to waive these fees moving forward so I can ensure my account remains fee-free.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had XXXX credit cards and a checking account with capital one. In XX/XX/year> I received an email notification that my password was changed for my online profile. I was surprised because I didn't request this action. I called capital one on Monday XX/XX/year> at XXXX XXXX as soon as I saw the email and was dismissed by the representative by saying all I had to do was change my login credentials. So as soon as I got off the call I changed my credentials and left it there. On Wednesday XX/XX/year>, I received email notification that my login, password were updated on my account and there was a payment scheduled on XXXX of my credit cards for the full balance. I DID NOT SET THAT PAYMENT UP OR CHANGE MY ONLINE CREDENTIALS OR SCHEDULE A PAYMENT! I called at XXXX XXXX on Wednesday XX/XX/XXXX and explained the entire thing to the representative who was unable to assist as most of the departments were closed at that hour, there is fraudulent activity to my online account and no one available to assist?!?. After some time I was XXXX transferred to a number that was not taking calls as the department was closed and the call hung up. At XXXX XXXX on XX/XX/XXXX, I called again to see if someone could help but got no where- I ended up having to close the credit card accounts and the checking account I was going to start using because capital one can not secure my account. The representatives are more concerned with meeting their scripted quality talking points then servicing good customers. This morning XX/XX/year> I received another notification that my account password was updated. I lost access to my online on XX/XX/XXXX because it would not let me login. So I called capital one, XXXX representative said I can terminate my relationship with capital one and then hung up on me, I called back and the other representative said they can not see who the last person I spoke to was which is untrue and then would not give me their ID for call tracking purposes, they transferred me to a supervisor who transferred me to fraud who said they would restrict my online account. This is to little to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge that was added to my credit card account issued by Comenity Bank for a purchase made at XXXX XXXX. The purchase was for an engagement ring and was financed under a promotional no interest period. I believed I still had time remaining in the promotional payoff period and had been actively making payments on the account, including a large recent payment intended to reduce the balance before the promotion ended. I was surprised to see a deferred interest charge of approximately {$1000.00} added to the account once the promotion expired. I contacted customer service to request a goodwill review or courtesy adjustment, explaining that I misunderstood the promotional timing and that I had been making payments in good faith. Unfortunately, I was told no adjustments were available. Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am unaware of these debt, I didn't have the opportunity to dispute these debt. I did not receive proper notification. If in fact u believe I did have the proper notification please provide the certified mail receipt with my signature on there stating I received it. Account Number : XXXX Date : XX/XX/year> Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: NY

Complaint narrative:
I was told by XXXX XXXX XXXX in XX/XX/XXXXXXXX that I qualified for the public service loan forgiveness after ten years of qualifying payments. I submitted the required paperwork and waited months to hear back. Every time I called, I was told that they were still working on it or there was some other delay with the government. I called again in XX/XX/XXXXXXXX and was told that I had to resubmit the paperwork that they didnt have it any longer. I have now been waiting for another 12 months and I am unable to login to my online account. Every time I call I dont get an answer and I have no idea the status of my loan. I am not receiving anything by mail ( my address has been the same for XXXX years ) Its now two years past when my loan forgiveness was due to be forgiven, and I have no idea whats going on with my loan. I cant get a straight answer in the few occasions when I could get through, and Im now not able to get into my account because theyre not accepting my password. When I try to get a new password, it just tells me that they dont have my information or some other excuse. The wait times when I call are so long during the work hours when Im working. I cant hold on till someone picks Up. I need to find out whats going on with my loan and how to process the public service loan forgiveness. Its causing a problem with my HR department because they keep having to re-sign the same documents because Mohela seems to not have it or it doesnt process it. I need help!

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In early XX/XX/year>, I contacted Regions Bank customer service by phone to request that my debit card for one of my business checking accounts be added to XXXX XXXX. During the call, the representative asked me to verify recent transactions on my account. I explained that I was unable to do so because I did not have access to view my account activity at that time. The representative continued to press the issue rather than assisting with my original request. The interaction became contentious. At no point did I make any genuine threat toward the representative. Shortly after the call, I discovered that all three of my accounts ( one personal checking and two business checking accounts ) had been blocked. I was given no prior written notice of any account restriction or closure. I visited my local Regions branch and spoke with a banker, who informally confirmed that the restriction was related to the phone interaction. I currently have funds deposited across all three accounts that I am unable to access. I have been unable to withdraw, transfer, or use any of my deposited funds for approximately two to three days. The bank has not provided any formal written notice explaining the account status, the reason for the restriction, or a timeline for when my funds will be returned. This has caused immediate financial hardship and disrupted my business operations.

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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services
State: MN

Complaint narrative:
Follow Up CFPB Complaint New Evidence of Servicing Errors ( Case # XXXX ) I am submitting a followup complaint regarding the late payment reporting on my student loan account for XXXX XXXX. This includes new evidence not addressed by EdFinancial in their prior response. New Information : 1. Incorrect phone number used : EdFinancial attempted to call a number that was not mine. I did not receive any calls regarding delinquency. 2. Expired email used : All notificationsincluding billing statements and delinquency warningswere sent to an email that expired XXXX XXXX after graduation ( XXXX ). Reference XXXX XXXX XXXX to see that the account expires XXXX XXXX after the graduation ( I graduated in XXXX ). 3. No proof of delivery : EdFinancial stated they can not verify that any notices were delivered or opened. 4. Refusal to provide communication logs : I requested a communication log and was told I would need a court order, which prevented me from verifying their claims. 5. Autopay cancellation without notice : Autopay did not transfer with servicing, and I was never informed I needed to reenroll. Impact : Because all communication went to an expired email and wrong phone number, I did not receive any notice of bills, missed payments, or delinquency. These servicing errorsnot borrower negligencecaused the late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I am filing this complaint regarding Portfolio Recovery Associates , LLC and their attempts to collect an alleged debt that has not been properly validated. I disputed the alleged debt and specifically requested documentation verifying the account and establishing a complete chain of assignment from the original creditor, XXXX XXXX, XXXX, to Portfolio Recovery Associates , LLC. I requested documentation showing how Portfolio Recovery Associates obtained legal ownership of the alleged debt and the authority to collect it. In response, Portfolio Recovery Associates failed to provide the requested documentation. Instead of providing account-level records or a complete chain of assignment demonstrating the transfer of the account from the original creditor to Portfolio Recovery Associates , they only provided a generic letter that does not establish ownership of the alleged debt. Without documentation showing the complete chain of assignment and records linking me to the alleged account, Portfolio Recovery Associates has not provided proper validation of the debt as required under the Fair Debt Collection Practices Act. A letter alone does not constitute sufficient validation or proof of ownership. Despite failing to provide proper validation, the company continues to attempt to collect the alleged debt and/or report the account. I am requesting that Portfolio Recovery Associates either : 1. Provide proper validation of the alleged debt, including account-level documentation and a complete chain of assignment from the original creditor to Portfolio Recovery Associates , or 2. Cease collection activity and delete the account from any consumer reporting agencies. Until proper validation and proof of ownership are provided, Portfolio Recovery Associates should not continue collection attempts or reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX filed for a loan under my name through Sallie Mae Bank on XX/XX/XXXX. This was without my permission or my grandmother 's knowlege. The submission, according to the court summons I was handed do not contain my phone number, email, address or work history. I attended school without that fact and now I'm being sued by a third party in XXXX for the remaining balance ( XXXX ). I had tried to submit a fraud claim in XXXX, but the case was closed due to lack of evidence. This is an attempt to reopen that case and or establish another one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I sold my house on XX/XX/year> and the title company received from Rocket Mortgage the payoff valid thought XX/XX/year> which was the amount deducted from the sales price on XX/XX/XXXX. The title company sent the wire to Rocket Mortgage on XX/XX/XXXX but Rocket did not update my account until XX/XX/XXXX which means I paid 4 days of interest beyond the wire date. I have repeatedly attempted to speak with someone at Rocket but continue to get transferred to an endless phone system loop. XX/XX/XXXX ( XXXX XXXX ) wire - {$380000.00} XX/XX/XXXX - Rocket posted to my account

Company response to consumer: Closed with explanation