vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Date : \ [ XX/XX/year> ] * * Your Reference ID : XXXX XXXX XXXX XXXX XXXX Your Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Resurgent Capital Services L.P . XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Dispute of Debt Account : XXXX XXXX XXXX XXXX XXXX. To the Compliance Officer : I am writing to formally dispute the validity of the above-referenced debt in its entirety. The " account summary '' you provided does not constitute proper verification of the debt as required by law. Therefore, I am requesting that you provide competent legal proof that : 1. Standing to Collect : You or LVNV Funding LLC are the current owner of the debt ( documented chain of title ). 2. Proper Calculation : A complete accounting of the {$1100.00} balance, including the original signed contract with XXXX XXXX and a ledger of all fees and interest. 3. Legal Authorization : Proof that you are legally authorized to collect debt in my state ( Florida ). I am hereby demanding that you cease all collection activity, including reporting this account to any credit reporting agencies, until you have provided the requested verification. As this is a business debt, I would also like to remind you that I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Providing false information or failing to conduct a proper investigation may expose your company to legal liability. I expect your timely response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I deposited a CASHIER CHECK in the amount of {$5000.00} into my CITI Bank XXXX XXXX Account ending in XXXX. The check was drawn from XXXX XXXX as payment from a client for work I was doing in his home. CITI Bank made {$100.00} immediately available, the other {$4900.00} was to be available the following day ( XX/XX/year> ) which it was. On XX/XX/year> I tried logging into my online banking app before I went to buy a large amount of materials and I kept getting an error code. So I tried logging into on the browser, again error code. So I called customer service. At this time I was told my account is frozen/blocked and is being processed for immediate closure. I was confused but the only thing I was concerned about at the time was getting my funds. The customer service agent told me to go to the branch and they would be able to tell me wether or not I would be able to get my funds. When I got to the branch the CITI Bank employee that originally opened my business checking account called customer service for me and they notified her that my account was being closed and I would receive my funds in XXXX days if there were any funds owed to me. My account was blocked but the balance in the account was $ XXXX. So them telling her if they are owed to me was concerning to say the least. I have spoken with the fraud department on at least XXXX different occasions, I have spoken to the fraud department supervisor, I contacted the executive complaint department for CITI Bank and put in a complaint on my behalf through them which I never recieved any updates or feedback from. Today XX/XX/year> I have still recieved no reason for them blocking and closing my account, I have recieved no reason for them holding my funds hostage, I have requested information on multiple occasions from multiple different departments of CITI Bank and recieved nothing from any of them. Over the past XXXX weeks I have been doing research and getting any and all the information I can that pertains to my situation. Ive learned that CITI Bank is notorious for doing exactly what theyre doing to me. I also found that by law they have to provide me with a reason for them holding my funds. They can not just hold my funds whenever they see fit and give me no reason nor any recourse to get them back. I was never asked for any documentation, any proof of where the funds came from or anything of that nature.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CMIDLAND CREDIT XXXX 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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Disputing against closed case XXXX. Per American Express, case was closed due to merchant providing evidence. Neither American Express nor Merchant has given me the material of what they submitted and used against this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NV

Complaint narrative:
XXXX XXXX {$2000.00} put on netspend card when I went to activate card they said I needed to verify who I was so I sent in copy of license and I called them back I was told they put a block on my card, I tried for XXXX weeks to get my money back to no avail. I have several times over the last XXXX years called and emailed them still not able to get my money. Finally on XX/XX/XXXX they agreed to send me a check for {$1900.00} which I was to receive by the XX/XX/XXXX when I didn't get it I called again and they are claiming they sent it to the wrong address. And now they say they are escalating the case so it will be another few weeks. I can't go that long I will be homeless

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 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I m an owner-occupant of an FHA-insured duplex . I formally requested an FHA forbearance on XX/XX/year> due to financial hardship from M & T bank under Imminent Default guidelines while my account was completely current. The servicer stated today, XX/XX/year>, it will take up to 30 days to review my request. Because my next payment is due in during this window ( XX/XX/year> ), their administrative delay will force my account into delinquency. Per HUD Handbook 4000.1 Section III.A.2, the servicer is violating FHA streamlined rules by failing to immediately implement a verbal or informal forbearance to protect my account. They are threatening to report this forced delinquency to the credit bureaus.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank gave me a 0 apr credit card from their brunch as in person. They told me its 0apr for 1 year. After 2 months they charged me crazy amount of interest. After that i closed my whole debt i paid off it and i called them about this misinformation. They said that they are not able to help me. They are totally scammed me. Adress of the bank is XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I am submitting this complaint against First Data XXXX XXXX XXXX ( Fiserv ) regarding a predatory equipment subscription agreement I was induced to sign on XX/XX/year>, under misleading circumstances. * * Company : * * First Data XXXX XXXX XXXX / Fiserv * * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX Merchant ID : XXXX XXXX XXXX XXXX XXXX XXXX Account / Subscription : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the complaint : XXXX XXXX XXXX XXXX XXXXXX/XX/year>, a sales representative from XXXX XXXX XXXX XXXX, acting as an authorized agent of First Data XXXX XXXX XXXX, solicited me to subscribe to a point-of-sale equipment package consisting of XXXXXXXX XXXX XXXX XXXX XXXXe and XXXXXXXX XXXX XXXX XXXX At no point during the sales process was I clearly informed of the following material facts : XXXX. The total cost of the subscription over its full term would amount to approximately {$10000.00}, exclusive of taxes and fees for equipment with a retail value of approximately {$2000.00}. XXXX. The agreement was entirely non-cancelable for a period of XXXX months, with an early termination penalty equal to 95 % of all remaining monthly payments, accelerated and due immediately. XXXX. The equipment was being leased, not purchased, and I would have no ownership rights at the end of the term without paying an additional buyout amount. XXXX. The equipment may be incompatible with any other payment processor, effectively locking me into Fiserv 's processing services as well. These facts were not disclosed in plain language at the time of the sale. The agreement was presented and executed electronically in a manner that did not allow adequate review of the full terms and conditions. The total subscription cost of {$10000.00} for equipment worth a fraction of that amount constitutes an unconscionable commercial practice. I believe the sales agent misrepresented the nature, cost, and terms of this agreement, and that First Data XXXX XXXX XXXX bears responsibility for the conduct of its authorized agents. -- - * * Desired resolution : * * I am requesting that the Consumer Financial Protection Bureau investigate this matter and require First Data XXXX XXXX XXXX to : - Release me from the remaining obligations under this subscription agreement without penalty, or - Offer a fair and reasonable settlement reflecting the actual market value of the equipment provided. I am prepared to pursue arbitration under the XXXX XXXX XXXX XXXX as specified in the agreement ( Section XXXX ) if a satisfactory resolution can not be reached directly. Thank you for your attention to this matter.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My husband passed on XX/XX/XXXX. I reach to social security to let them know. Since he had the bigger income they said his retirement check would be mine and the would end my retirement check. I was informed by social security they check are XXXX month behind so the check of XX/XX/XXXX would be for XXXX. On XX/XX/XXXX when I went to check our share bank account. And the retirement check for the amount of {$1900.00} was deposited. I did multiple payment that day. On XX/XX/XXXX I checked the share back account and my account was over drawn on {$1500.00} and multiple where returned back to the account. I went to social security which they said they did not take the payment back since the payment are back paid by XXXX month. As well they advise me the bank is not allowed to do that since they have a agreement with every banks that they are not allowed to hold any checks I went to chase bank on XX/XX/XXXX they said they want social security to fill a form out stating they will not ask for the money back. I went to social security the same day they said they are not required to fill that form since they have an agreement with all the banks. Social security said the bank would be required to send the check back to them after possible 6 months. The bank said I was allowed to go back unless I have that form filled out which social security is not going to do so. The employee in the bank as well change the story and said it is a corporate issue and they are holding the check. On XX/XX/XXXX my husband received his pension check for the amount of {$770.00} which brought the new negative balance to - {$790.00} My account currently states I have a available balance of - {$790.00} Present balance of {$1100.00} which I can not access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXXAccount Number: XXXX XXXX XXXXRouting: XXXX XXXX XXXX XXXX XXXX Florida\n\nHello,\n\nI have a frustrating situation with this bank and I have tried to fix on every possible way, first problem is because have and fraudulent charges on my account there and after see that I have contacted and make a fraud claims for the following transactions and XXXX XXXX XXXX ID XXXX for XXXX$ \XXXX XXXX XXXX ID XXXX for XXXXUSD and XXXX XXXX ID XXXX for XXXX$\nThese transactions are reported for me and at the moment of this report on calling I have requested the block or freezing of my account for avoid more fraudulent transactions, aside of this I have made a transaction to XXXX XXXX" for XXXX USD and is reversed from this bank and after this reports the banker said that have a response on the next 10 business days for the fraud claims but at this time need to check my transactions and use my debit card and pay some stuffs and need to use online banking but after many contacts the agents not able to verify or approve the authentication process because they need a code to my old phone number finish on XXXX but this phone is already updated some time ago so I don\'t know why is still appearing on my account and the agents just said that need to go to a branch so at this point is impossible to me to go to any branch because at this moment I am moving on XXXXXXXX XXXX for business so definitely are not option to me at the moment for visit a branch, I just need a real agent that can fix the online access o unblock my account or if this bank just opt for not attend my concern or close my account or something else please let me know and I will contact my attorney for start the arbitration process on the clerk of XXXX XXXX county if is needed for this matter, I hope definitely a real solution or attention to this matter so please need a contact from your side.\nIf the result or decided to close my account please send me my funds on check to my actual address that are different than my old address registered, old address is XXXX XXXX XXXX XXXX XXXX florida, XXXX but my actual address and if is required for the following reaction is this XXXX XXXX XXXX XXXX XXXX FLXXXX hope for a contact from the bank side before of start any other process.\n\nXXXX 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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I previously filed CFPB Complaint No. XXXX regarding funds remaining in my closed PNC account . During a phone call, a PNC representative informed me that the funds would be returned to the sender. However, the sender has confirmed that the funds have not been received, and I have not received any documentation showing that a return was processed. If PNC maintains that the funds were returned, I request documentary proof of the return, including the date of the transaction, amount, destination institution, and any trace or reference number. If the funds were not returned, I request an explanation of their current status and location. The issue remains unresolved because the funds have not been made available to me and there is no evidence that they were returned to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Portfolio Recovery Associates , LLC attempting to collect an alleged XXXX XXXX debt in the amount of {$6300.00}. I do not recognize this account and have never had a XXXX XXXX account with a balance anywhere near the amount being claimed. The communication references an account ending in XXXX, which I do not recognize. The email does not provide sufficient documentation establishing that I am responsible for this debt. It contains a collection demand but does not include account statements, account opening records, payment history, or other evidence demonstrating that the alleged debt belongs to me. I dispute this alleged debt and request that Portfolio Recovery Associates provide documentation sufficient to establish that I am the responsible party for the account, including the original account records, account statements, payment history, and documentation supporting the amount claimed. At this time, I do not recognize the debt and do not believe I owe the amount being demanded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Block, Inc.
State: GA

Complaint narrative:
There was a transaction made XX/XX/year> at XXXX & XXXX my card was stolen an the transaction was not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I dont know why my account got closed I didnt get any information saying why my account got closed I just tried to lock into my account and it said account was closed I had money sitting in that account I need my money I didnt do nothing for my account to get closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX - XX/XX/XXXX fraudulent purchases were made on my debit card. I called and filed a dispute the 15 fraudulent purchases totaling {$5700.00} on XX/XX/XXXX, as soon as I noticed them. I later called back and informed Wells Fargo that 2 of the transactions were legitimate, and to remove them from the dispute. They said they removed it. And a decision would be made within 10 days. On XXXX I received a call from Wells Fargo, asking me a bunch of questions and I answers them truthfully and accurately. They said they would have a decision made that same day. I looked at my claim tracker on my Wells Fargo app and it said they declined the dispute. So I called them today XX/XX/XXXX for the reasons for the denial and they said its because : The card is in my possession I have made previous purchases with a portion of the merchants And they can see that I logged into my app during the time frame of those fraudulent purchases. And that proves that I didnt report it immediately. Logging into an app to view my account does not equate to authorizing a transaction, nor does it establish that I noticed the fraud instantly. I was looking to make sure my deposits were going in like they were supposed to. Next-Day Reporting : Under Regulation E 12 CFR 1005.6, I have two business days from learning of the fraud to report it for the {$50.00} liability cap. My next-day report means I met and exceeded the federal timeline. It is true that the card is in my possession, but someone obviously has my card information. Every single one of these transactions were keyed in manually. Which means the card was not present. meaning my credentials were stolen digitally via a data breach, skimming device, or phishing. I have only made purchases at 3 of the merchants for business related reasons. Having a history with a merchant does not grant them or a scammer permission to make unauthorized future charges. I have filed a police report with the XXXX XXXX XXXX in Colorado. Case number : XXXX. I contacted the sheriffs office today and they said it could take a few weeks before a detective starts working on their investigation. I have also filed a report with identitytheft.com And am working with them as well I also have the exact timestamps of the dates and exact times the card was manually entered and can verify i was not there at those times

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