vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: PA

Complaint narrative:
For over XXXX years, PNC Bank has been mismanaging our escrow funds, neglected to pay both city and school taxes leaving payments delinquent multiple times, and no resolution has been met other than raising our mortgage payments XXXX times now. They have pulled funds to pay out insurance policies that we did not consent to or verify, they have not repaid any delinquencies or penalty fees that we have received due to their mismanagement. We have been in branch to discuss this matter multiple times, have spent countless hours with various departments and specialists, and nobody has been able to give us adequate answers or resolutions over the span of the last XXXX years. We have come to understand they have failed to do due diligence when originally drafting the mortgage, and have continuously failed to rectify any of the issues we have faced. It's incredibly frustrating as first time homeowners to have done everything PNC advised and required of us, but they can not find a single solution to any of the headache we have faced. We have been met with blatant disregard for rectification, and have been getting the corporate shuffle from department to department. We have never missed a mortgage payment, but they have failed to properly disperse and pay all taxes every single time, and continue to raise our payments without cause or explanation. Our escrow account continues to be shorted despite the multiple hikes in monthly payments that they have claimed would cover the " lack of funding, '' that again, was on their end due to negligence and misallocation of our funds. We have paid out of pocket to cover tax delinquencies in the past, under PNC 's guidance and claims that they would refund to our account, which of course did not come to fruition. It has been, quite simply, an absolute nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: TX

Complaint narrative:
My account became unobtainable and card usage frozen all of a sudden when I called them they requested I send a copy of my id I did and its been 3 days no result

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
THEY ARE SENDING STATEMENT BY EMAIL, ACCOUNT WAS TRANSFERED FROM XXXX XXXX ON XX/XX/XXXX, XXXX TO FREEDOM MORTAGE COMPANY ALL CURRENT AND UP-TO-DATE. I SET UP BI-WEEKLY OF XXXX XXXX XX/XX/XXXX WHERE FREEDOM MTG, AUTOMATICALLY DRAFT FROM MY CHECKING ACCOUNT AS DESCRIBED. ON XX/XX/XXXX THEY DRAFTED XXXX FROM MY ACCOUNT ; EVERY XXXX WEEKS WITHOUT EXPLANATION, I CALLED THEM ON XX/XX/XXXX AND THE XXXX ( XXXX ) TOLD ME MY XXXX PAYMENT WOULD BE XXXX DUE TO INSURANCE INCREASE, WHICH WAS NOT TRUE. I REQUESTED TO SPEAK TO A SUPERVISOR, AND SHE INFORMED ME THAT MY ESCROW ACCOUT WAS SHORT, NO CLEAR EXPLANATION WHY, BUT MY XXXX PAYMENT WOULD BE ADJUSTED AND THE NEW PAYMENT OF XXXX XXXX XXXX XXXX BE MY NEW PAYMENT ALTHOUGH NO INCREASES IN MY INSURANCE OF TAXES WERE PRESENT. EACH SERVICE PROVIDER DOES THEIR ON CALCULATIONS OF ESCROW ANALYSIS AND PAYMENTS DO DIFFER. IF THERE IS AN OVERAGE WHICH THERE MAY BE, IT WOULD BE REFUNDED TO ME BUT THE XXXX WOULD STILL BE XXXX XXXX XXXX. THIS IS THERE WAY TO INCREASE MY PAYMENTS WHEN NOTHING HAS CHANGED TO WARRANT AN INCREASE. PLEASE LOOK INTO THIS MATTER AND ADVISE ME. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX GA 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 explanation
Consumer complaint received 2026-03-03 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: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Last XXXX, XXXX, after the property tax payment notices went out, we sent our check for {$4000.00}, to the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We dropped off the payment in an envelope, using the curbside mailbox at the main XXXX XXXX XXXX XXXX. Crime followed. Someone stole our check, washed it, and rewrote the check to themselves or a co-conspirator in the same amount that we owed in taxes. The trick worked. When I checked our bank account online a few days after we had mailed the check, I saw that the check had cleared, in the amount we owed in taxes. And so it was not until XXXX XXXX wrote to us in early XXXX, XXXX asking where our payment was that we realized that we had been the victims of mail theft and check fraud. Our bank, Wells Fargo, has denied our request for credit in the amount of the stolen check. Wells Fargo initially claimed that because we failed to report the stolen, washed, and fraudulently cashed check within 30 days, they would not honor our request for credit back the amount stolen to our account. When I escalated the complaint, they wrote to tell us that there was no fraud. However, Wells Fargo had previously acknowledged that there was indeed fraud, stating to me that " the font [ used on the washed check ] was not yours. '' We believe that Wells Fargo should honor their stated commitment to stand behind their customers, especially senior citizens like us, and credit our checking account the amount paid to someone we did not authorize payment to, an individual unknown to us. In dealing in person with Wells Fargo, banker XXXX XXXX at the XXXX, Maryland branch office, was dismissive and condescending. This did not help matters. I filed a police report, reported the theft to the U.S. Postal Service, reported the actions of Wells Fargo to the XXXX, and wrote our congressperson 's office in Washington , D.C. We have sent copies of all key documents to Wells Fargo.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Davis & Jones, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They have been hired to collect a debt from a business that I used to work for. They are calling my cell XXXX /day, spoofing the numbers of my co-workers and family members. Every time I get a call from a known number, it could be them. They are doing the same to the company 's XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer from my Wells Fargo personal account at XXXX XXXX XXXX ( Confirmation # XXXX ) in the amount of {$23000.00} to what I was led to believe was a commercial escrow account for a motorhome purchase. The receiving bank was also Wells Fargo ( XXXX, XXXX XXXX ). The beneficiary name provided was WELL AUTO and the receiving account number was XXXX. At XXXX XXXX XXXX ( less than 3 hours after the wire ), I contacted Wells Fargo Fraud Department and reported that I believed I had been induced by fraud and requested immediate intervention. A recall was initiated ( Case # XXXX ). Fraud claim # XXXX was opened but subsequently closed solely because I confirmed that I had authorized the transfer. I was not disputing authorization. I was reporting that I had been fraudulently induced and that the receiving account appeared suspicious. Subsequently, a Wells Fargo branch representative confirmed : The receiving account was NOT a commercial account. The account was NOT in the name WELL AUTO. The account had no DBA designation. The account was recently opened in XX/XX/year>. The account balance is now {$0.00}. This was a same-bank transfer ( Wells Fargo XXXX Wells Fargo XXXX XXXX Wells Fargo had real-time visibility of both accounts. I reported fraud within XXXX hours of the transfer. At that time, the receiving account was newly opened and had received a large incoming wire into a personal account under a commercial-sounding name. I am requesting : 1. Written confirmation of when the receiving account was frozen ( if at all ). 2. The exact timestamp when funds left the receiving account. 3. Whether Wells Fargos XXXX systems flagged this transaction. 4. An explanation of why immediate action was not taken upon fraud notice. 5. Reimbursement of {$23000.00} if funds were still present at time of fraud notification and Wells Fargo failed to act. This appears to involve a mule account opened shortly before use. I reported within hours. Wells Fargo had both accounts internally and the operational ability to restrict funds. I am requesting a formal investigation by Wells Fargo Executive Resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I am filing this complaint against Harris & Harris , Ltd. regarding an alleged debt of {$3700.00} they claim to be collecting on behalf of the XXXXXXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I received unsolicited text messages demanding payment and providing a payment link. I did not receive proper written notice of this debt prior to these collection attempts. I formally dispute this debt. Harris & Harris has failed to provide validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), which requires a debt collector to send written notice containing specific information about the debt within five days of initial communication. Additionally, attempting to collect a debt without providing proper validation and sufficient documentation may constitute a violation of 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) and 15 U.S.C. 1692f ( unfair collection practices ). I have not been provided : Proof that I am legally obligated to pay this debt A breakdown of the amount claimed, including fees or interest Documentation from the original creditor Proof that Harris & Harris is authorized to collect on behalf of the XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint as a supplemental escalation regarding Capital One Banks continued restraint on my account despite a formal levy release being issued nearly two years ago. XXXX XXXX, the judgment creditor, issued a formal levy release in XX/XX/XXXX. I have written confirmation from XXXX XXXX counsel that the release was sent and that a Motion for Release has also been filed in the underlying court case to ensure compliance. Despite this, Capital One continues to maintain an active hold/restraint on my account as of XX/XX/XXXX. After further communication, Capital Ones XXXX XXXX XXXX XXXX has confirmed in writing that they will only process levy releases submitted directly by the responsible agency or attorney via fax or mail. They will not process releases forwarded by the account holder. This raises serious concerns because : If Capital One received the release in XXXX, it was not processed. If Capital One did not receive the release, no notification was provided to me. The restraint has remained active for nearly two years without resolution. As a direct result of the continued freeze, I have suffered measurable financial harm, including : Missed rent obligations Vehicle repossession Associated fees and financial hardship This is not a temporary administrative delay. The release was issued in XX/XX/XXXX, and the restraint remains active in XX/XX/XXXX. I am attaching correspondence from XXXX XXXX confirming issuance of the levy release and court motion for release, as well as Capital Ones written instructions regarding their release processing procedures. I respectfully request regulatory review and immediate corrective action.

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

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contacted by a person who identified himself as XXXX XXXX of the Citibank Fraud Department in XXXX XXXX, California ( XXXX ) XXXX at XXXX by text message to my cell phone. He messaged me indicating that their monitoring network tracking system and the Internal Revenue Service ( IRS ) monitoring system showed FRAUDULENT activity had been occurring on my profile for money laundering ( public law 99-570 ) and wire fraud ( 18 U.S.C. 1028 ). He accused Citibank managers and tellers of defrauding Citibank customers. He told me that failure to notify Citibank Fraud Department would result in a subpoena and failure to reply would result in a federal contempt of court ( 18 U.S.C. 401-4 ). He sent me an official screen shot of my Citi savings account showing an account balance of {$180000.00} and my checking account balance increased by {$20000.00} to {$20000.00}. A copy of the screen shot dated XX/XX/XXXX at XXXX XXXX showed my savings account intact while my checking account increased by {$20000.00}. I can provide a copy of same. Note that as of that date and time, my savings account balance was not reduced by any transfers even though my checking account balance was increased by {$20000.00}. Also, the screen shot shows a last sign on from my computer on XX/XX/XXXX at XXXX XXXX ET from my computer. A transaction activity log provided to me by Citibank shows a transfer from my money market account at XXXX which is exactly one minute after the screen shot which shows my savings account balance at {$180000.00} and my checking account balance at {$20000.00}. If I had made a valid transfer, my savings balance would have indicated a balance of {$160000.00} at XXXX XXXX. I have been a Citibank customer since XXXX and in my 56 years with Citibank, I have always transferred funds between my accounts using my lap top computer and never the Citi app on my cell phone. I believe this screen shot showing my Citibank accounts is an extremely important piece of information showing that I did not make this transfer and should definitely be used in investigating my dispute! I have sent this information to Citibank N.A. attention : debit card XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I can provide this to your organization by providing me with the appropriate method to do so. Thank you for your diligent efforts in investigating my dispute. Very truly yours, XXXX 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 monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: SC

Complaint narrative:
In XXXX the account was open by me XXXX XXXX thinking it was going to help my credit score but i did not want to use the account once i did my full research. i also ask if I could pay for the account to be deleted of my credit reports and i was told that the company does not accept a payment for deletion my remaining balance is XXXX dollars i also offer to pay that and was told that the account is close and they can't take a payment on a charge off account

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

Complaint narrative:
Validation of Debt Request - MIDLAND CRED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation