vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
In XXXX I discovered I was a victim of identity theft due to a collection agency, XXXX. I disputed this charge with them and they seemed to discharge this and reported back to XXXX XXXX XXXX this account was opened due to identity theft. In XX/XX/XXXX XXXX started contacting me about this same charge, ultimately saying I needed to file a formal appeal directly with XXXX XXXX XXXX. I did so and on XX/XX/XXXX received a letter from XXXX XXXX XXXX stating that they found that this account was opened without my knowledge and was fraud. They said they would report this to their collections agencies and this should be removed from my credit report. In XX/XX/XXXX I discovered that Sequium XXXX agency now was trying to collect this same fraudulent debt. I contacted XXXX XXXX XXXX, they resent the letter showing they found this as a fraudulent debt and stated they have NO collections activity for this account. XXXX XXXX XXXX then said all I needed to do was call Sequium or my credit agency showing this charge to let them know of the letter identifying it was fraud.. but that there is nothing else XXXX XXXX XXXX can do. I called Sequium at the number listed on my credit report, and no one called back. I tried a couple more times. I then found another number for Sequium ( XXXX ) which is their actual number. WOW- they are sleezy. I spoke with an " XXXX XXXX '' who said I used he wrong XXXX XXXX XXXX website and I needed to use this : XXXX XXXX XXXX ( which does not work ). [ I used the correct website, as XXXX XXXX XXXX confirmed ] " XXXX XXXX '' then said that while it may be listed as 'fraudulent ' he can 'save me a lot more time if I just pay them {$500.00} '. [ I would like to report them!!!! ] I asked for his manager " XXXX XXXX '' apparently but she was 'busy '. There was apparently NO way to send them any documents as 'they only work off of what XXXX XXXX XXXX sends them '. Please help - I have been dealing with this since XXXX and this known fraudulent account is continuing to show on my credit report and is continuing to cause harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On the fifth date of XX/XX/XXXX, I directedmy financial institution fifth third bank, to disperse {$22000.00} from my existing custodial accounts to a licensed automobile dealership for the purchase of a XXXX XXXX XXXX ( XXXX XXXX ). This direction was made in person at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. The bank refused to honor my direction, citing insufficient funds in a single checking account with a balance of {$11.00}, despite acknowledging that I have an active custodial relationship and additional funds held under the same relationship. I provided the bank with a buyers order from the dealership and a draft Indiana title application showing the full purchase price. I also made a voluntary deposit of {$11.00} into my checking account on the date of XXXX to confirm Acct standing and activity. The bank did not claim fraud an illegal illegality, or any lawful basis of refusal no loan or credit was requested I simply directed disbursement of my own funds. As a result of the banks refusal, I have been unable to complete the vehicle purchase and take delivery under Indiana code subsection 26 1 4402 ( UCC 4-402 ), this constitutes wrongful dishonor. I request the agency to investigate and require fifth third bank to honor my lawful direction immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
They did not fix my complaint around submitting phone verification which was a problem only on their end as I could provide the number. Only a supervisor seems to be able to fix this. They since acted retailory by not allowing me to dispute online therefore not being accessible. Then if try to file on phone they did not put the dispute correct took over 10 days and didn't remove any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
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 ), 15 U.S.C. 1692g ( 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CT

Complaint narrative:
the company XXXX careless sent me 3 credit cards each time I called and said this card is unartorized please close/freeze. I'm constantly getting emails that this company will be charging my checking account for {$3200.00}. the company refuses to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer of {$300.00} from my savings account with XXXX to my linked external checking account with Chase Bank. The routing and account numbers were correctly entered and verified, and the account is already linked within my XXXX profile.After several days passed without receiving the funds, I contacted XXXX multiple times. I was informed that the transfer had been successfully sent and delivered to Chase. When I did not see the funds in my Chase account, I contacted Chase Bank, who stated that they had no record of receiving any such transfer.I attempted to cancel the transfer, but was told it had already been completed. XXXX provided me with an ACH trace number and instructed me to give this to Chase. I contacted Chase again, provided the trace number, and spoke with multiple representatives and managers. Each time, I was told that no such transfer was received and that there was no record of the ACH transaction.Chase then advised me to file a dispute with XXXX. I filed a formal dispute with XXXX and provided all requested documentation. Despite this, I received a response stating that XXXX found no error and that my claim was closed, with no reimbursement provided.At this point, both institutions are denying responsibility for a completed ACH transfer, and my {$300.00} remains missing. Neither institution has provided sufficient proof of where the funds were deposited, nor has either taken responsibility for resolving the issue.This situation has caused me significant financial hardship. I rely on my funds to cover essential living expenses, including bills and supporting my XXXX. The loss of {$300.00} has directly impacted my ability to meet these obligations. Additionally, I have spent a substantial amount of time and effort contacting both institutions repeatedly, without resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex is charging me {$200.00} for merchandise returned months ago long after the account is fully paid off and closed. I refuse to pay for this again but they will not refund the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
Hello, I'm XXXX XXXX. They have sent me a letter about a collection of the XXXX XXXX but I don't understand why if I have received a letter from what I understood and translated ( I don't speak English ) because I had been forgiven my balance and it was already at XXXX and I can't understand. I could communicate with you or you with me ( but someone who speaks XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> - A fraudulent claim was filed within my bank account, returning a rent check that was paid back in XXXX, Chase went ahead and allowed the claim without contacting me, or contacting whomever stole my identity, and the money was then withdrawn. This along with several other weird deposits and XXXX transactions also happened on the XXXX. XX/XX/year> - I immediately contact Chase fraud department and make a visit to the bank to file fraudulent activity charges. I went through everything with the banker and the fraud department/claims over the phone in the bankers office and was told everything would be taken care of and we are so sorry this happened to you and we will make sure all your money is returned and safe. XX/XX/XXXX - XX/XX/year>- Chase has taken any ad all access I have to be able to see anything at all going on within my account. I go to the bank once a day to try to truly sort this situation out. During these visits make more phone calls with the banker to the fraud department and explain several times that the original claim on the XXXX was not me and this money was taken from my leasing office and now has made it look like I pulled my rent check. XX/XX/year>- Chase still has not returned what is mine and now utilities will be shut off XX/XX/year> and my landlord is now talking eviction, when I have never missed a rent payment but because Chase can not protect their customers, everything has landed on my end. Go to Chase bank to talk to Branch Manager, was told he will not be in until morning. XX/XX/year> - Go to Chase bank immediately at XXXX XXXX when doors open and go over everything again with Branch Manager and the Fraud department yet again, escalate the call all the way to manager who finally understands what I am saying and when she goes to actually fix everything correctly, she said their system would not override the original claim because I don't have enough proof that the original claim was fraudulent, when I have done all of my due diligence from the start of this situation, exerted the patience Chase and the fraud department asked for and now they won't reverse the claim they should not allowed in the first place. Told there is nothing they can do for me but they hope I have a great day. Chase does not protect their customers or their customers money. I am a single mom with babies under XXXX years old and Chase has no problem allowing us to be evicted because their fraud department can't take the time to protect the customer and not just the bank. The fraud department would not take the time to truly understand what happened and to fully hear what I was saying. No one in the actual bank seemed to have any power to help in any way but to pick up the phone and call a call center. Chase has done nothing but make a threatening situation worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
A {$3000.00} payment was withdrawn from my bank account and successfully applied to my auto loan. The payment showed as completed on both my bank account and loan account and remained posted for around XXXX month. After about a month, the payment was reversed by the loan company without my authorization. However, the funds were not returned to my bank account, and I was not given any clear explanation of where the money went. I contacted the company to request information regarding the reversal and the whereabouts of the funds. I was told they do not have the money and could not provide details on where it was sent or why it was removed from my loan account. As of now, the {$3000.00} is unaccounted for, and neither my loan account nor my bank account reflects the funds. I am requesting a full investigation and trace of the payment, as well as correction of my account and return of the 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX respectfully Symphony Bank received a automated payment from my bank for a credit card that I had with XXXX XXXX XXXX- unbeknown to myself I received several satements and reminders that a payment was still due on this account- aparently the Company changed company in which to make payments- initially synchrony bank refused to take this information from my bank that had paid from my bill pay account - then on a conference call thay refused to acknowledge that they received it although the bank sent them the trace number to show that they had in fact receipted the payments and refused to forward to the now collector of payments for XXXX XXXX XXXX- They also refused to send me the money that they received back- We did a conference call on XX/XX/year> with ( from my XXXX XXXX office- XXXX ) and with Synchrony Bank XXXX XXXX XXXX they still refused to send the money back to me that they received directly from my Bank in XXXX- They are refusing to reimburse they money received for an account that they no longer collect payments from and in addition I had to still make the payments to the correct now bank for XXXX XXXX XXXXXXXX in order to not be charged late fees and interest

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 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In early XX/XX/year>, I was the victim of an account takeover involving my Bank of America accounts, during which unauthorized wire transfers totaling approximately {$27000.00} were initiated on XX/XX/year>, without my knowledge or consent. I identified the fraud immediately on XX/XX/XXXX, contacted the bank the same day, and filed claims ( XXXX and XXXX ), yet the transfers were still processed. The funds were sent to an account at XXXX XXXX. Despite prompt reporting and clear evidence of unauthorized access, my claims were denied on XX/XX/XXXX and again on XX/XX/XXXX upon appeal. I am filing this complaint with the Consumer Financial Protection Bureau because the bank failed to prevent or stop the fraudulent transfers and has refused reimbursement.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Conduent Incorporated
State: OK

Complaint narrative:
I called Way2go to try and transfer the money on card to my personal bank account. You have the ability to do so, but not sure how when noone will help me and give me the run around. ( This is my child support money that was set up through XXXX. ) I can not access my Way2go app due to email not set up in their system and they have not fixed a froze account issue for over a year now. They told me I have to call XXXX to have them set it up for the funds transfer and they do not do that. I called XXXX and told them what Way2go told me. XXXX said that is not correct and to use the exact words " Automatic Funds Transfer '' verbiage and they will help set it up. If you do not use those words, they will not help you as that is what is in the thier computer that gives answers to help. I called way2go back and used those exact words and " XXXX '' with the CS dept told me they don't handle that and that XXXX does not know the way their system is set up and to call them back. I also explained I can not get into my account bcz it's froze and she rudely told me she would " Open a ticket '' to redo my app information. Which she did not do. I called XXXX back to let them know what XXXX told me and she said the ONLY thing left for me to do is fill out a file to mail to them directly and " Try '' to get this set up. I can not use my Way2Go card for everything ( some utilities and bills ) and its money to help me to take proper care of my children. I have tried this several times and it seems way2go will not help me fix this so it sits idle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The collection company called my phone at XXXX XXXX PST

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am attaching a notice from Capital One dated XX/XX/year>, confirming my account is closed. The notice explicitly states : 'If your account has a credit balance, well send you a refund check after XXXX billing cycles. ' Despite this written commitment, Capital One phone representatives and supervisors have verbally stated they will refuse to release my {$300.00} security deposit due to an 'account restriction ' they refuse to lift, even after I provided multiple forms of valid ID including a XXXX XXXX statement and a utility bill. They are now in direct contradiction of their own written account closure terms.

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

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX I initiated a transfer from my XXXX account to my XXXX XXXX XXXX account. I selected the free transfer option instead of the instant transfer option to save some money. The company stated that the estimated time of arrival for my funds was XXXX XXXX XXXX It is now XXXX XXXX XXXX and my funds have yet to reach my checking account. I tried contacting XXXX Support and was briefly put on hold before they disconnected the call stating they could not help at that given time. The automated system also recommended I call back after five and a half hours. I checked my XXXX transaction history to record the events and under that specific transaction, saw that the transaction was completed on XXXX XXXX XXXX. This is a lie by the company as my funds had not been deposited into my account. I've used XXXX for years and have only encountered things of this nature twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I entered into a deferment agreement with OneMain Financial and made a timely payment attempt on XX/XX/scrub>XXXX XXXX XXXX as required. The payment failed due to an incorrect card on file, which was an honest error, not a refusal to pay. I corrected the issue immediately and successfully made the required payment on XXXX XXXX XXXX. The agreement only states that payment is due immediately and does not provide a specific deadline or state that a failed payment voids the deferment, nor does it define immediately or require same-day successful processing. Despite this, OneMain Financial is refusing to honor the deferment and is treating my account as delinquent. I acted in good faith and within a reasonable timeframe, and I am requesting that the deferment be honored and my account corrected accordingly.

Company response to consumer: Closed with non-monetary relief