vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a Chase business checking account and attempted to initiate a wire transfer. Chase declined the wire and subsequently informed me that my business account was being closed. 

I was told by a Chase branch banker that upon closure, the remaining account balance would be sent to me via cashiers check within 710 business days. My access to the account was revoked, and I received confirmation that the account could no longer be used. The banker also verbally confirmed the account closure via voicemail. 

At the time of closure, the account balance was {$7200.00}. A client payment of {$3300.00} was pending at that time. After the payment initially posted, the balance briefly increased to {$10000.00}. Due to the account closure, the client payment was reversed, returning the balance to {$7200.00}. 

Despite being told the account was closed and losing my access, several concerning inconsistencies have occurred : An authorized user on the account still retains full access Account activity has continued after the supposed closure The previously reversed client payment of {$3300.00} is now reflecting in the account again I have not received the promised cashiers check I have not received any written confirmation of the final balance or disbursement timeline I have repeatedly attempted to obtain clarification from the branch banker and Chase customer service. The banker has avoided providing written responses despite explicit requests, and customer service has been unable to provide clear or consistent answers. 

As a result, I am unable to conduct business, access my funds, or confirm the status of my account. Chases actions have created financial harm and operational disruption. 

I am requesting a formal investigation, written explanation, confirmation of whether the account is officially closed, confirmation of the final balance owed to me, and immediate disbursement of all available funds via cashiers check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Since XX/XX/2025, Franklin Service , Inc. has been calling my phone multiple times per day from different phone numbers. The callers do not leave meaningful voicemails or provide written notice identifying the debt. 

On XX/XX/2025 at approximately XXXXXXXX XXXX  I answered XXXX of the calls. The representative identified himself as XXXX. I requested written debt validation and asked that all further communication be by mail only. After this request, the representative became hostile and argumentative and attempted to engage in a back-and-forth discussion rather than honoring my request. 

I have not received any written debt validation. Despite my request, the company has continued repeated phone contact. I believe this conduct constitutes harassment and a failure to comply with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
XXXX Debt collecting companies ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) have sent me letters stating I owe an outstanding debt balance of {$450000.00} to Citizens Bank N.A.. This debt is a false collection as I am not a member of Citizens Bank and I've never conducted business/used & received services with them. I am not the party that owes this outstanding balance. XXXX was the first to send me a letter on XX/XX/2025 asking me to pay the debt via their portal. Then another letter was sent on XX/XX/2025. Upon further inspection of their link, I'd learned they required I input my social security number. I was not going to give up my social to a party I have no clue about, so I proceeded to contact Citizens Bank. My efforts in seeking their guidance proved futile as they also needed my social security number if I was to discuss the issue. Naturally, I did not provide them with my social as I'm unaffiliated with them. I wrote a debt validation letter and sent it to XXXX via certified mail, they responded back with the same regurgitated kind of letter asking for payment via their portal. I haven't received any more letters from XXXX since. After some time passing, XXXX was the next debt collector to send me a letter stating the same exact balance of {$450000.00} they believe I owe Citizens Bank NA.. The letter seems to follow the same formulaic style of requesting payment via their portal and needing my social security number. I refuse to give them my social and I also wont spend more money on sending a debt validation via certified mail. I anticipate XXXX will behave the same as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Good day. I am disputing two collection accounts that are being reported on my credit file which I do not recognize and have never authorized. These alleged debts are unverified and do not belong to me. Discovering debts I know nothing about has been extremely frustrating and distressing. In addition, I have been subjected to repeated collection attempts through multiple communication channels, including aggressive and intimidating tactics. Being threatened with legal action over debts that are not mine is deeply insulting and constitutes a clear violation of my rights as a law-abiding consumer. This situation has taken a serious toll on my mental well-being, causing ongoing stress and loss of sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am disputing unauthorized charges on my PayPal Credit account.

In late XXXX, I noticed charges on my PayPal Credit account that I did not authorize and did not make or benefit from. The total disputed balance is approximately {$4200.00}. 

On XX/XX/year>, I reported the transactions to PayPal Credit as unauthorized ( Case XXXX ). PayPal completed a review and denied the dispute, stating only that the transactions were consistent with my PayPal payment history, without providing evidence of authorization. 

Despite my dispute, PayPal Credit continues to bill interest and fees on the disputed balance and has required payment while the matter remains unresolved. 

I am requesting a full reinvestigation under the Fair Credit Billing Act, reversal of the unauthorized charges, removal of all related interest and fees, and assurance that no negative credit reporting occurs related to this disputed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
The credit card was set up on auto pay without issue and was paid in full each month. We set up a new account for the auto pay to withdraw out of and began a cycle of the credit card attempting to withdraw auto payment out of both accounts. We have talked with Bank of America 4 or 5 times since XXXX to get this problem resolved and each month the same thing happens and we have to call again. 

Additionally, we are charged interest each month because the first withdrawal ( to the old account ) is unsuccessful. We have asked every month for the interest fees to be removed and are declined each time even though the delay in payment is something we have no control over. We have now paid over {$600.00} in interest because of this situation.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Got a face time from someone that said they represented my bank, PNC Bank., they said a person named XXXX XXXX XXXX had transferred {$3400.00} to himself from my checking account at PNC XXXX To put the money back into my checking account the supposed PNC employee will work me thru the process. I asked for verification from the person and to send a number code to me. I got a code from the number XXXX and giving a PNC security code number. What it looks like happened is that the process he worked me thru transferred the {$3400.00} to XXXX XXXX XXXX. I have called PNC Bank to report the scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 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: Klarna AB
State: GA

Complaint narrative:
I tried to purchase a XXXX present for my wife on a site on XX/XX/XXXX I thought was legit but ended up not being a real site and my credit card information got stolen. I only noticed it over a week later when Klarna sent me a text on XX/XX/XXXX saying they noticed fraudulent activity. Whoever stole my Klarna card information ended up spending {$3000.00} on my account. I contacted Klarna several times with the information and that all the charges were not from me. I obtained a police report for fraud and did everything Klarna said I should do and yet they have denied all my claims and have not provided me with any information. They have also cut me off and have ended my chats without giving me information I have requested. They have not help my resolve my issue at all. Ive had my Klarna account for years and never spent that munch money at any given time especially with only 4 days. How can you not see that its fraud when theres {$200.00} charges within minutes of each charge. 
Company is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was done removed off my credit report and added back on it. This account was supposed to be deleted for life and you are reporting inaccurate information on this account. I am formally writing to disbute this account, as it still being reported to my credit report inaccurately.reporting this account is in violation of 15usc1692e and also in violation of 15usc1681eb

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
This is in regard to cash app and the cash app security settlement administrator because I filed a valid claim + then I was told my claim was deficient and I had a deadline to correct the deficiency. However, nobody from the settlement team would correspond back with me so that I could get into fix my original claim. They're saying that my documents don't match the amounts in my claim, so I don't know why they can't just approve the claim for however much the document shows at least because I couldn't get in touch with them and then they allowed me more time. So I provided them the documents that they said would qualify and now I was told it was deficient again and I don't know how to fix it. If I don't know what I originally put in my original claim they won't help me with that. But I had XXXX  and XXXX  if not a couple XXXX unauthorized charges and money taken out of my cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Product : Debit card / Prepaid card Issue : Unauthorized transactions/ Card never received Company : Bank of America Complaint Narrative I am filing a complaint regarding Bank of Americas improper denial of my fraud claim involving a debit/prepaid card that was stolen from the mail and never received by me. 
Bank of America denied my claim and reconsideration on the basis that the card was activated by me or someone with authority. This conclusion is incorrect and unsupported. 
At the time the card was mailed and allegedly activated, I was incarcerated and physically unable to receive mail, activate the card, or authorize any transactions. I did not activate the card, I did not authorize anyone to act on my behalf, and I never had possession of the card. 
Bank of America relied solely on the fact that the card was activated, without providing evidence of who activated it, how it was activated, or whether I had access to the device or phone used, despite my incarceration. Activation alone does not establish receipt or authorization. 
This constitutes a failure to conduct a reasonable investigation and a violation of Regulation E ( 12 CFR 1005.11 ). When a card is never received, the consumer has zero liability for unauthorized transactions. 
I request that Bank of America reverse the denial, credit the unauthorized transactions, and provide written confirmation of compliance with Regulation EThe company did not provide the requested evidence or documentation. They only repeated that the card was activated and upheld the denial.I requested the evidence Bank of America relied upon to deny my fraud claim, including : The method of card activation ( phone, app, IVR ) The date and time of activation The phone number, device, or IP address used to activate the card Any documentation showing I received the card Any evidence that I authorized activation or transactions Bank of America did not provide this information and relied solely on an assertion that the card was activated, despite my incarceration and non-receipt of the card.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Went to the Capital One bank on XXXX XXXX XXXX. XXXX, La XXXXUsed my card ending in XXXX to get {$400.00}.... the machine malfunctioned, stated that it did not support my card, and declined my transaction.Ot did not give me a receipt.I went in the bank to let them know that the money was taken from my account but the money was not disbursed.He stated that they ( Capital One ) had nothing to do with anything outside ( the ATM ) and that the only thing I could do was dispute it with my bank. ( XXXX  ) .I still do not have to {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: NV

Complaint narrative:
On XX/XX/year>, I was charged {$170.00} by XXXX XXXX XXXX XXXX  for a specialized " Dry Scalp Treatment ''. The service was technically defective, the merchant applied hair-strand products containing silicones directly to my skin, causing physical irritation. 

I initiated XXXX # XXXX and provided a written admission from the merchants manager ( dated XX/XX/XXXX ) stating the service " felt less effective '' and caused a " sensitive reaction. '' Despite this, Capital One prematurely closed my case on XX/XX/year>, two days before the stated XX/XX/XXXX deadline. 

I called Capital One today, XX/XX/year>, to contest this. The representatives I spoke with explicitly agreed that the service was defective based on the evidence provided. However, they stated they could not assist me unless I provided a " refund voucher '' or credit from the merchant. 

This is a failure of the dispute process. I can not obtain a voucher because I have declined to return to this establishment. The merchant has proven they do not follow professional cosmetic or safety protocols by misusing products on skin. Forcing a consumer to accept a " store credit '' or return to a business that caused physical harm is unreasonable. Capital One is ignoring a " Service Not as Described '' claim and misclassifying it as a missing refund, effectively siding with a merchant who has already admitted to a failed service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a Citibank account that is currently reporting as charged off and/or written off on my consumer credit reports. 

Under IRS regulations ( 26 U.S.C. 6050P ), creditors are required to issue Form XXXX when a debt of {$600.00} or more has been canceled, forgiven, or discharged. A charge-off typically reflects that the creditor has treated the debt as a loss. 

Despite this reporting, I have * * not received a Form XXXX * * from Citibank, nor have I received written confirmation clarifying whether this debt has been canceled or remains legally enforceable. 

I am requesting clarification and documentation regarding the following : * Whether this account has been canceled or discharged * The date of cancellation, if applicable * Whether a Form XXXX was issued and filed with the IRS * If no XXXX was issued, the legal basis for continued reporting and/or collection activity If the debt was canceled without issuance of a required XXXX, the current reporting may be inaccurate and inconsistent with federal tax and consumer reporting laws. 

I respectfully request that Citibank be required to either : * Provide a copy of the issued Form XXXX, or * Correct or delete the tradeline if the debt has been canceled or improperly reported Thank you for your assistance. 

Sincerely, XXXX XXXX

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 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I was forced to move out of my apartment i was sent to a collections agency. Without any knowledge I never received any type of documents in the mail only emails They Keep adding daily interest when I notified the credit bureaus it was taken off then they keep putting the interst back on a few weeks later. The amount fluctuates every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against CarMax Auto Finance regarding a repossession that occurred in California on XX/XX/year>. I am a 20-year retired United States Navy veteran and 100 % service-connected XXXX veteran. 

My vehicle was repossessed while I was asleep in a hotel. Since the repossession, CarMax has failed to provide timely notice, failed to disclose the vehicles location, and failed to provide reasonable access to my personal property inside the vehicle. 

Critically, the vehicle contains daily prescription medications and a medical oxygen machine required for my health and safety. Despite multiple written requests, CarMax has not responded or provided instructions for retrieving these medically necessary items. 

I recently relocated to California and did not receive any post-repossession notice at my current address. Notices were sent to an outdated address despite my account having a payment history and active contact information. 

I believe CarMaxs actions constitute unfair and unlawful business practices, denial of access to essential personal property, and failure to comply with California consumer protection requirements. I am requesting investigation and assistance in securing immediate access to my medical equipment and a lawful resolution.

Medical Necessity & Veteran Status Addendum I am submitting this addendum to emphasize the immediate medical and public safety implications of this repossession.

I am a retired United States Navy veteran ( 20 years of service ) and am rated 100 % service-connected XXXX by the Department of Veterans Affairs. I rely on daily prescription medications and a medical oxygen machine that were inside the repossessed vehicle. 

Since the repossession on XX/XX/year> : I have not been informed where my vehicle is located I have not been given instructions to retrieve my medical equipment I have received no response to written requests I am currently homeless and without reliable transportation The deprivation of my medical equipment presents a serious risk to my health The continued withholding of access to medically necessary equipment is unreasonable, dangerous, and inconsistent with lawful repossession practices. I am requesting immediate intervention to ensure access to my personal property and appropriate enforcement review of CarMax Auto Finances conduct.

Company response to consumer: Closed with explanation