vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
- OnXX/XX/XXXX - I was served with Notice to Appear to court by Portfolio Recovery Associates , LLC. - On XX/XX/XXXX - I filed Motion to Dismiss as debt is time-barred ; last known payment was XX/XX/XXXX. - Pre-Trial hearing was set for XX/XX/XXXX ; attorney for Portfolio Recovery called me and asked if I wanted to settle, I advised, " I was not interested. '' - Case was set for trial for XX/XX/XXXX. - OnXX/XX/XXXX attorney for Portfolio Recovery Associates LLC filed a Voluntary Dismiss Without Prejudice via Florida e-file at XXXX XXXX - On XXXX/2026, a Default Final Judgment was signed by Honorable Judge at XXXXXXXX XXXX - On XX/XX/XXXXcase was Closed. - XXXX XX/XX/XXXX attorney for Portfolio Recovery Associates LLC filed a Certificate of Service referenced to Default Final Judgment via Florida e-mail at XXXXXXXX XXXX - On XX/XX/XXXX, I filed a Motion to Dismiss Default Final Judgment as Portfolio Recovery 's attorney filed Motion to Dismiss prior to Judge 's Default Final Judgment At this moment, I am feeling harassed by Portfolio Recovery Associates as case was closed on XX/XX/XXXX. Local Case Number : XXXX State Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo needs to step in if a third party customer on XXXX XXXX is scamming a wellsfargo customer i have a right for refund. Please review my info. The police played games and wont help me! tos prevents someone selling or distributing XXXX XXXX XXXX, acting as a business, and harasment/bullying. Please have someone contact me from XXXX XXXX My roommate is acting as a business on XXXX XXXX. XXXX XXXX has been abusing me, sending me death threats, and XXXX slurs. I am XXXX I am XXXX XXXX, I paid my roommate XXXX for rent he scammed me, sending me XXXX threats, XXXX slurs. I paid rent XXXX on XX/XX/XXXX at XXXX XXXX, i had to leave because my rooomate was acting violently. I am fleeing for my safety after my XXXX covert roommate sent me death threaths and XXXX slurs. He even took my money, so now I am living in fear barely eating or sleeping! XXXX XXXX the XXXX male in the photos is my former roommate the one who stole my money and who I was renting from ar XXXX XXXX XXXX XXXX, FL XXXX. He cursed me out later the day after I paid rent on XX/XX/XXXX he was screaming death threths so I went to my car to sleep. I paid XXXX rent XXXX. He scammed me and is running a illegal cam XXXX XXXX out the residence, making me lose XXXX. Now im homless in my car fearing for my life. The police, non profits, and churches dont care. I also had to remove my social media XXXX and XXXX. XXXX has sent me XXXX threats and calling me bigger. I have tried to tell XXXX XXXX this is traumatizing, but they dont care and wont investigate the fraud and discrimination seriously. I am now homless and I cant get another place due to being on XXXX on fixed income, going through this. My roommate who scammed me XXXX XXXX his XXXX XXXX is XXXX XXXX. He is acting like he has a modeling studio when he is exploiting XXXX people and women. XXXX is for rent i paid and never stayed and the other XXXX is for making the place unbearable right to quiet enjoyment.

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 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This company keeps calling me and I told them to stop and they continue to call even though I told them I dont recognize this debt and to stop calling me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/year> Heres an email message I received back from XXXX yesterday related to my dispute of a Rebilled charge of {$300.00}, after XXXX ( XXXX ) months, still showing on my Credit Card statement for a future Hotel Reservations that was CANCELLED for a Full Refund. After multiple failed attempts to seek FULL CREDIT of {$300.00} from both XXXX and Chase Bank, each pointing the finger at each other as being responsible, I am filing this complaint and will also do so with the XXXXXXXX XXXX XXXX XXXX Sincerely. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Update on your request XXXX itinerary XXXX [ thread : XXXX : : Hello XXXX XXXX Thank you for contacting XXXX XXXX As per checking on our system you are filing a chargeback regarding your booking. Unfortunately, the chargeback processing is handled by your credit card company, therefore, you will need to contact your credit card company directly regarding the status of the chargeback/refund. Thank you for contacting XXXX. Regards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Payment details Room ( canceled ) Fri, XX/XX/XXXX {$290.00} Taxes {$38.00} Total To Be Refunded {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In early XX/XX/year>, I received a notice from XXXX stating that you need to verify your identity to prevent disruption to your direct deposit and that my payroll card will no longer be able to receive deposits if I do not complete their verification process by XX/XX/year>. The notice instructs me to verify my identity through the XXXX app, a website link, or by calling the number on the back of the card. However, their verification systems have repeatedly failed or have not functioned in a secure or reliable manner. Because of these issues, I am unable to safely complete identity verification through the channels they require. I am not refusing verification. I am requesting a secure and documented method. I have already provided identity information and documentation through the CFPB portal, which is the only secure and reliable channel available to me. Wisely is threatening to block or disrupt my direct deposit unless I use their internal systems, even though those systems have not worked properly. This creates a risk that I will be unable to receive my wages. I am asking the company to : Review the identity information I have submitted through the CFPB portal Confirm that my direct deposit will not be disrupted Provide a secure, functioning method of identity verification that does not require unsafe or malfunctioning systems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
On XX/XX/year> I spoke with XXXXXXXX XXXX XXXX XXXX, and requested a manager call back ; complain # XXXX. Currently, as of XX/XX/year> Im still being denied a call back regarding my refund for Title fee. Ive been lied to regarding my refund, and advised to contact the dealership ; the dealership refers me to XXXX or XXXX XXXX. The fact is the fees were included into the XXXX contract, and it shouldnt have been. Plus, an independent title company charged me ; which is an included in the contract. In addition, I have XXXX XXXX veterans tags, and dont pay for registration. Therefore, XXXX XXXX has condoned the unscrupulous behavior of the dealership, by intentionally refusing to refund my Title fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I sent a dispute to Bank of America against XXXX for charging my account for delivery that never reached the right address. There were XXXX charges XXXX and XXXX both refunded by them and within the same day of getting the refund they charged it again under a little different name within XXXX name. I have tried to reach out by calling the bank but I was turned away to make a meeting to come them by waiting on a phone for hours. My account is frozen to the point I can not do anything but view the online portal.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding Wells Fargo 's handling of my auto loan following a total loss insurance claim. My vehicle was declared a total loss, and both the other automobile insurance company and GAP insurance provider issued payments toward my Wells Fargo auto loan. Based on the amounts paid and the remaining balance on the loan, I should have owed approximately {$150.00} after all insurance and GAP payments were applied. Instead of properly applying these funds toward the payoff of the loan, Wells Fargo appears to have allocated the proceeds as regular monthly payments rather than processing them as payoff funds. As a result, the account remained open and Wells Fargo is now claiming that I owe approximately {$2000.00}. I have repeatedly attempted to obtain an explanation and accounting from Wells Fargo. I specifically requested a complete payment ledger and transaction history showing how the insurance and GAP proceeds were applied. A Wells Fargo representative advised me that the ledger would be emailed to me within XXXX hours. More than XXXX XXXX has now passed, and I have not received the requested documentation. At this time, Wells Fargo is claiming I owe a balance significantly higher than what I believe should be due, while failing to provide the records necessary to verify the accuracy of that balance. Without a complete accounting, I am unable to determine how Wells Fargo calculated the current amount claimed. I am requesting that Wells Fargo be required to : 1. Provide a complete payment ledger and transaction history for the loan. 2. Provide the payoff amount as of the date the insurance proceeds were received. 3. Provide the payoff amount as of the date the GAP proceeds were received. 4. Explain in writing how each payment was applied to the account. 5. Correct any errors in the application of the insurance and GAP proceeds. 6. Correct any inaccurate balance resulting from the misapplication of funds. 7. Refund or remove any improperly assessed interest, fees, or charges. 8. Correct any inaccurate credit reporting associated with this account. I believe Wells Fargo 's handling of these funds has resulted in an inaccurate loan balance and has caused financial harm. I respectfully request a full investigation and resolution of this matter. Supporting documentation, including insurance settlement information, GAP insurance payment information, loan statements, and correspondence with Wells Fargo, can be provided upon request.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, someone stole my identity and opened a Capital One credit card in my name and social security number, but with a different phone number, address, and email. This person continued to take out cash advances first in XXXXXXXX XXXX and later from XXXX. The person made payments that never cleared which allowed them to get more money eventually with interest and fees adding up to {$1200.00}. I lived in XXXX at the time and no statements were ever sent to my living address. Eventually in XX/XX/XXXX, a debt collector sent a letter to my mother 's address where my name and social security were linked. She and I have called multiple times to Capital One disputing these charges to no avail. Capital One allowed a person to take out credit in my name, made preposterous charges that are not linked to me in multiple areas, had the incorrect email, mailing address, and phone number for me personally, and still claims these are charges that I made. I am in the process of filing identity theft charges, and a police report. The credit bureau dispute did not help because Capital One states that these are my charges. These are not my charges. My identity was stolen as a college student. I am putting this out there to make others aware of how easy your identity can be stolen and how it is to fight the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
I am filing a formal complaint against PayPal regarding a closed " Significantly Not as Described '' dispute ( PayPal Case # XXXX ). The merchant, XXXX, shipped me a completely incorrect, oversized itema human-sized dog bed mattress measuring 5 feet long and 3 feet wide. I ordered the XL sized bed which was supposed to be 6.6 feet long and 4 feet wide. The bolsters that came with the bed were the correct size, but the mattress and case was standard size. I attempted to resolve this directly with the merchant by sending emails on XX/XX/XXXX and XX/XX/XXXX requesting a resolution and a prepaid return label. The merchant completely ignored my inquiries. I then escalated the issue to a PayPal claim. PayPal 's automated dispute resolution system closed the case in the merchant 's favor because I could not provide a return tracking number. However, because of the item 's extreme physical dimensions, it completely exceeds standard USPS parcel mailing limits. I went to XXXX as told by PayPal to secure official return shipping quotes, and because it requires commercial freight handling, the absolute cheapest return option is {$730.00} ( via XXXX XXXX ), with expedited options costing up to {$980.00}. Requiring a consumer to pay over {$730.00} out of pocket to return a massive, heavy item sent entirely due to a merchant error is predatory and financially impossible. I called PayPal twice to explain the situation, but they told me it was their policy that I return the item for a refund, regardless of the shipping price. PayPal has failed to conduct a reasonable or fair investigation by blindly enforcing an automated return policy without reviewing the physical logistics or the astronomical financial burden placed on the consumer. I am fully willing to return the item if the merchant or PayPal provides a prepaid commercial freight shipping label. Because they have refused to do so and have closed the case, I am requesting that PayPal manually review the attached shipping quotes, override the automated decision, and issue a full refund to my PayPal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date : XX/XX/XXXX, XXXX XXXX XXXX To : Consumer Financial Protection Bureau Subject : XXXX XXXX failed to properly investigate billing dispute ( misrepresentation ) I am filing this complaint about XXXX XXXX handling of a billing dispute that was improperly dismissed without a reasonable investigation. On XX/XX/XXXX, my XXXX card ( ending in XXXX ) was charged {$100.00} by XXXX XXXX XXXX ( Merchant ID XXXXXXXX XXXX ) for a vehicle service contract. The transaction was authorized at the time of sale based on oral representations that did not disclose a XXXX waiting period. When my vehicle later broke down, the warranty administrator ( XXXX XXXX ) instructed me to tow the vehicle and obtain diagnostics. I incurred {$160.00} in diagnostic costs ( financed through XXXX ) relying on that instruction. XXXX then denied my claim using a law of averages mileage estimate instead of my actual odometer reading which their own activation email shows was XXXX miles at the time of sale. I disputed this transaction with XXXX on XX/XX/XXXX ( Dispute # XXXX ). I informed XXXX of the misrepresentation on a recorded line. On XX/XX/XXXX, XXXX denied my dispute, stating the charge was valid and the matter was between myself and the merchant. My dispute was never based solely on authorization. It is based on material misrepresentation and failure of services as described. XXXX failed to properly classify or investigate this billing error under Regulation Z ( 12 C.F.R. 1026.13 ), which requires creditors to investigate billing errors, including disputes over the quality of services. Neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever reported my account to any credit bureau or sent the balance to collections, further showing this was not a legitimate credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Beginning on XXXX XXXX XXXX, I have been unable to withdraw my own funds ( {$1700.00} ) from my Marcus by Goldman Sachs online savings account despite making approximately 12 calls over the course of nearly two weeks. The issue originally started because Marcus would not allow me to transfer funds to my XXXX account, despite XXXX appearing as an available external bank on their platform. Because Marcus refused to send my money to XXXX, I opened a XXXX XXXX account specifically to be able to withdraw my funds. Marcus has also refused to send my money to XXXX XXXX. On XXXX XXXX XXXX, I attempted to withdraw my funds and the transfer was blocked with no explanation. I called four times that day and was unable to get the issue resolved. On XXXX XXXX XXXX, I spoke with a representative who required me to conference in both my previous bank ( XXXX XXXX ) and XXXX XXXX on the same call. The representative told me I could only send the funds back to XXXX XXXX the original source account despite the fact that I had already closed my XXXX XXXX accounts after switching to XXXX XXXX and XXXX. Sending funds to a closed account was not a viable option. After a lengthy three-way call, the representative told me the transfer was resolved and my money would be sent. The transfer never went through. On XXXX XXXX XXXX, I called three more times and was directed to Marcus 's security team on each call. On the first call, the representative hung up on me. On the second call, after waiting on hold for approximately one hour, I reached a security representative who then hung up on me. On the third call, I was hung up on again. On XXXX XXXX XXXX I called three additional times. Representatives told me the transfer should go through but could not explain why it was being reversed. On XXXX XXXX XXXX I spoke with a security representative who confirmed that everything looked fine on their end and that there was no reason my transfers should be getting reversed. She added notes to my account indicating the transfers should not be blocked. My transfers continue to be reversed regardless. I have been unable to access {$1700.00} of my own money for over two weeks. I have been hung up on multiple times by Marcus representatives, given conflicting and false information, and told directly by their own security team that there is no legitimate reason for the reversals. I am requesting that the CFPB compel Marcus by Goldman Sachs to immediately release my funds to my XXXX XXXX account and provide a written explanation for why my withdrawals have been repeatedly blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
this account was placed on my credit report and i have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/scrub>XXXX received weekly direct deposits. account went into overdraft and was immediately closed without notice to customer on the morning a direct deposit was received previous issues of being locked out of my account for an unknown reason. horrible customer service, representatives hanging up on people

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