vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: WI

Complaint narrative:
They froze my account because they said I violated one of the terms and conditions they refuse to tell me which specific term or condition I violated and it's been over 50 days now they will not let me access my funds my IRS refund has been deposited to it and they refuse to reject the refund or send it back so they just want to sit there they said they have two years to do so that they would hold it for 2 years and then they can send it to the state for escheatment if I wanted to be a problem. I told him if they're going to close my account just close my account let me transfer my funds but they won't get let me access my funds they won't refund my ADH deposit for my IRS because I said that they have a right to verify source of it it's from the IRS how can you verify any more source than that I just want my money they can send it back and I can have a deposit somewhere else but they won't do that they're just holding on to it it's been 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I tendered the payment in full. Santander Bank sent me a lien release letter and I received the title from the DMV as well as my original contract with a stamp on it stating Paid In Full. I have a recording of my account balance, saying XXXX balance due, and I no longer owe on this vehicle. However, a few days later, they changed the status to a charge off and said I still owe the full remainder of the vehicle, even though it is completely paid off.

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 — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello, I opened XXXX new accounts on XX/XX/XXXX with Citizens under a promotion that was email to me- so a solicitation from Citizens. XXXX accounts were funded with a XXXX and the main promotional account - a XXXX XXXX account was funded with {$25000.00} earning XXXX % plus a promotion for retaining funds. The account was then decided to be closed by Citizens after they received the funds. The XXXX fundings were returned but I still not have received the {$25000.00} - multiple calls and emails have led no where as the company claims my receiving bank ( who I checked with ) should make a claim for funds despite the funds being sent back by Citizens themselves. I am still out the funds after XXXX weeks and the company has blamed me for not receiving the funds instead of following lawful procedure of sending me back the funds plus lost interest. I am seeking assistance as Citizens refuses to provide me my funds back in return. I also only verbally know about the closure and learned about it only by receiving the XXXX deposits back weeks ago and never received formal documentation on closure but do not have any accounts with them per their own info. I have attached the fund opening document showing the deposits. The ceo was also emailed this info as well as compliance with no support or response provided.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: SC

Complaint narrative:
I had about XXXX interactions happen on my account while I was asleep on XX/XX/XXXX. It ranged from transfers, sending money to other accounts, borrowing {$100.00} from the app, and bitcoin withdrawals. I called cashapp support the same day to report it. Then I called about every XXXX days after for a while. Still no update other than we are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
* In XXXX of XXXX we bought a new truck financed through Arvest Bank. Our plan is to pay this off quickly. We have been making large payments and would like to be able to monitor the status of this loan on-line on a regular basis. * We have tried several times to get an on-line account to view loan status * Last week ( XXXX ) my husband called in and they set up an account, however, it didn't show any loan data. They told him it took 24 hours to see this information. * The next day he called back and was told there was no way to see online information for loan amount, current balance, payments sent in, etc. * I asked the bank to provide us this information and was told that takes 2 days for an email with this information. * When the information did arrive, it actually contained not only our current status, but also loan information for another bank customer. We have had multiple loans over our life and have never had a scenario where a bank can not provide online access to loan info.

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 — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XX/XX/year> First Credit Services , Inc . XXXX XXXX XXXX, XXXX, NJ XXXX Account Number : XXXX To Whom It May Concern : I am responding to your attempts to collect the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I dispute the validity of this alleged debt and request that you provide verification of the debt, including : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including any fees, interest, or other charges ; 3. Documentation showing that I am legally obligated to pay the debt ; 4. Documentation establishing your authority to collect the debt. Until you provide proper validation, I request that all collection activity cease. Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding this matter except as permitted by law, including communications to advise that collection efforts are being terminated or to notify me of specific legal remedies that may be pursued. This letter is not an acknowledgment of liability, ownership, or responsibility for the alleged debt. I reserve all rights and defenses available under federal and state law. If this account is being reported to any consumer reporting agency, I request that any information reported be complete, accurate, and verified as required by the Fair Credit Reporting Act. Please send all required documentation to the address listed above. Sincerely, -- - XXXX XXXX XXXX

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 when making payments — You never received your bill or did not know a payment was due
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I closed my One Main Brightway card in XXXX due to their customer service phone system being so difficult to use or access. I was unable to login in their website on XX/XX/2026 to process a regular payment for my XX/XX/2026 payment, so I called their customer service the same day, finally got through, and was told their company had deliberately cut off access to their website going forward for me to use for electronic payments. I was told by their staff I could mail payments by check, use bill pay, or give my personal banking information to their overseas employees to process a payment by phone. Their staff also repeatedly pushed for payment in full although that is not required to close an account with this business. I also requested paper statements during the call as this business had cut off my online access to download statements and track my balance as I paid the account off. I was told they would send me a paper statement within ten days and every month going forward. That same day I generated a bank bill payment check for the account but I have no way of knowing if that payment was received by One Main yesterday, their staff could not confirm receipt, and the bill is due today, the day of this report. I called in to One Main again just now and processed yet another payment ( by phone ) to ensure this company can not report a late payment for me. I also requested another set of paper statements again as I have not received the statements I was told they would send nearly two weeks ago. It appears this company is 1 ) trying to make former customers late on their payments by pushing them to outdated and slower bill payment methods without notice or warning and 2 ) they are also constantly pushing for payment in full of the closed account when their terms allow for monthly payments even when the customer closes the card and 3 ) hide their balance and interest charges from them by turning off their statements and information for their closed accounts, which may be a violation of US federal law? and 4 ) trying to force current and former customers to provide their personal financial details to overseas employees which raises the risk of identity theft and financial fraud for no apparent reason when removing access to electronic direct payment through their website. This looks like a class action lawsuit just waiting to happen now.

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: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I purchased an item in XXXX of XXXX with a XXXX year warranty. At the time of the purchase, my XXXX XXXX XXXX XXXX XXXX provided an additional XXXX year warranty for purchases. I tried to file a claim, but they will not accept it without the full card number which was changed during a portfolio transfer from Marcus by Goldman Sachs to Barclays. I have a copy ot the receipt and statement but each only shows the last XXXX digits of the card. I have requested the full number of the card and Barclays doesn't have that into. They won't elevate it to their records retention or research department. They gave me a phone number for Marcus which is out of service.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Chase Bank Failure to Properly Investigate Unauthorized Transactions and Denial of Fraud Claim I am filing this complaint against JPMorgan Chase Bank regarding unauthorized transactions that were processed from my bank account while I was outside of the United States. While I was abroad, XXXX or more unauthorized transactions were made from my account to pay a credit card that does not belong to me. I did not authorize these transactions, did not benefit from them, and had no knowledge of them until I discovered the withdrawals. After noticing the fraudulent activity, I immediately contacted Chase and reported the transactions as fraud. Chase initially credited my account for the disputed transactions. However, shortly afterward, additional unauthorized transactions were processed from my account, including withdrawals of approximately {$8900.00} and {$10000.00}. I again contacted Chase and reported both transactions as unauthorized. Chase ultimately credited only the {$8900.00} transaction but denied my claim regarding the {$10000.00} transaction, stating that it was not fraud. Chase has failed to provide a sufficient explanation for this determination. The bank has not provided evidence showing that I authorized the transaction, benefited from the transaction, or that the payment was made to an account owned by me. At the time of these transactions, I was located outside the United States and was not conducting these activities. Furthermore, Chase had already determined that related transactions on my account were fraudulent, making its decision regarding the {$10000.00} transaction inconsistent and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding PenFed Credit Unions handling of a fraud report and subsequent restrictions placed on my account. An unauthorized mobile deposit of approximately {$10000.00} was made to my account. Upon becoming aware of the activity, I promptly notified PenFed and reported that I did not authorize or make the deposit. After the fraud report, PenFed issued a new account number and took actions that initially suggested the matter was being addressed. However, the credit union later changed its position and informed me that it believed I had made the mobile deposit myself. Representatives stated that the deposit originated from my phone, but no evidence or explanation supporting that conclusion has been provided to me. I have repeatedly requested information regarding the basis for this determination and have asked for any written findings or explanation of the investigation. I was informed that PenFed did not have to provide me with that information. During one call, a representative refused to answer my questions and ended the conversation. I have also experienced difficulty obtaining written correspondence regarding the matter. There has also been confusion regarding my address information. One of my prior addresses was discussed during the investigation, but I have since moved. I have repeatedly contacted PenFed to confirm my current mailing address, which is already on file, and requested that any correspondence be sent there. Despite these efforts, I have not received the information I have requested as of the date of this complaint. I dispute PenFeds conclusion that I made or authorized the mobile deposit. I am requesting a review of the credit unions handling of my fraud report, a written explanation of the basis for its determination, confirmation that my correct address is being used for correspondence, and a review of the restrictions placed on my account.

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 — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arcadia Holdings, LLC
State: AL

Complaint narrative:
XXXX XXXX called me repeatedly every day, called my husband repeatedly and then called my father in law after I told them not to contact anyone but me and they told me to take time to think about what I could do financially!!

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
XXXX XXXX called me repeatedly every day, called my husband repeatedly and then called my father in law after I told them not to contact anyone but me and they told me to take time to think about what I could do financially!!

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 — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
About six months ago, myself and my step-brother were given legal documents, naming us as Power-of-Attorney for our parents. During this time, I have managed both of their affairs, including placing them in an XXXX XXXX facility, then to a XXXX XXXX facility. My Mom has XXXX and step-dad passed away two months ago. I had no issues handling their affairs, including selling their home etc, but the issue I have been having for six months is for Wells Fargo, N.A. to recognize and accept the Power-of-Attorney paperwork provided to them. The issue is that their policy is not to allow multiple signers on an account, informing me that one of us must resign as POA, in order for them to honor the POA. I created a 'Resignation of Power-Of-Attorney '' for my step-brother, stating that he resigns as POA for all accounts related to Wells Fargo. They initially approved it, then rejected it when I went into the bank to complete the process. Their reason is that the Resignation of POA for Wells Fargo is not broad enough, and that my step-brother must resign as POA in general, in all matters concerning my Mother 's care and well being. This is unacceptable for Wells Fargo to dictate the terms of my Mother 's legal decisions between her and her attorney. While their policies may be relevant within Wells Fargo, their demands are going beyond the scope of their rights to infringe on the rights of my mother, step-brother and myself for matters that do not involved Wells Fargo 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
15usc1681 ( a ) ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am a part-time employed XXXX XXXX whose verified weekly net pay falls below Washington State 's statutory garnishment exemption floor of {$590.00} under RCW 6.27.150. XXXX is again attempting to garnish these exempt wages after a prior collection action in XXXX ( which my employer responded to ; I did not personally receive notice at the time ). XXXX denied me digital account access, refused online payments, required in-person money order delivery with inconsistent receipts, ignored written outreach while responding same-day when supervisors were copied, pressured me early on to use student loan funds to pay them, and a staff member stated by phone that XXXX does not care about XXXX XXXX. I have paid off substantially all other debts and offered a payment plan. I graduate XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I filed a fraud dispute with PNC Bank regarding an unauthorized transaction of {$3800.00} made through XXXX XXXX without my knowledge or consent. Over the following 90 days I contacted PNC more than 15 times attempting to get a status update on my dispute. No representative was able to provide any information regarding the status of my claim during any of those calls. On XX/XX/year>, I called PNC again. The first three representatives I spoke with still could not tell me the outcome of my dispute. Only the fourth representative informed me that my claim had been denied on XX/XX/year>. I never received any written notification of this denial, nor was I provided any reason for the denial, as required under Regulation E. Additionally, although provisional credit was applied to my account during the investigation period, I was given no access to those funds, rendering the provisional credit effectively useless and in violation of Regulation E requirements. PNC has committed multiple Regulation E violations in handling this claim : failure to investigate in a timely manner, failure to provide written notification of the denial with reasoning, failure to make provisional credit accessible, and failure to provide any status updates over a 90 day period despite repeated contact. I am requesting full reimbursement of {$3800.00} and a thorough review of PNCs handling of this dispute

Company response to consumer: Closed with explanation