vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am updating my claim because the financial institution denied an unauthorized transaction without providing technical evidence to support its decision. 

The bank concluded that the transaction was authorized by the account holder or someone with permission, but has not provided documentation demonstrating : - The authentication method used - Active confirmation from the account holder - Technical records ( IP address, device, security verification ) Additionally, during the second review conducted by the bank, no provisional credit was issued at any point while the investigation was underway, even though the transaction was disputed in a timely manner. This omission is inconsistent with the requirements of Regulation E when an investigation is not resolved immediately. 

To avoid restrictions on my account and to be able to continue using it for personal purposes, I was forced to cover the negative balance generated by the disputed transaction, an action taken solely to mitigate damages and not as an acknowledgment of authorization. 

As a result, the bank is holding the funds corresponding to the disputed transaction without having demonstrated valid authorization, which exacerbates the financial harm to the consumer. 

I believe this situation reflects a deficient investigation and a possible violation of Regulation E ( 12 CFR 1005.11 ), both due to the lack of evidence of authorization and the omission of the required provisional credit. 

I request a review of this case for possible regulatory non-compliance. 

I have attached relevant documentation, including the denial letter issued by the bank, bank statements showing the disputed transaction, and evidence that I covered the resulting negative balance, which demonstrates that the funds remain in the institution 's possession without the bank having provided any valid technical evidence of authorization. 

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 explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I received a call from Credence Resource Management, stating that I owed a debt of {$190.00} for an optimum account. The caller failed to disclose my they were a debt collector and that it was an attempt to collect a debt and info will be used for that purpose. This was my first contact with this company, and per FDCPA, must be stated and disclosed. I spoke with a manger and ask that this violation be documented and also requested a statement of the alleged debt so I may open a dispute process and request validation to my address XXXX XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s handling of multiple chargebacks and its dispute review practices. 

A Wells Fargo cardholder initiated four chargebacks against my business for subscription transactions that were validly billed and authorized. The customer maintained an active subscription for over XXXX year with uninterrupted monthly payments, no prior disputes, and no attempt to cancel the subscription. 

All XXXX chargebacks were ruled in the cardholders favour in under XXXX minute. Given the volume of merchant evidence submitted and the identical outcomes across all disputes, it is not reasonable to conclude that a meaningful, transaction-by-transaction review occurred. 

Wells Fargo upheld the disputes without providing any evidence that the customer cancelled the subscription. My internal systems clearly confirm that no cancellation occurred at any time. Despite this, Wells Fargo accepted the customers claim without proof and reversed the charges. 

I was advised by my payment processor that issuing banks often treat a cardholders statement of I didnt want this anymore as sufficient to invalidate recurring charges, even without evidence and even where written terms were accepted and followed. This effectively allows unsubstantiated claims to override contractual agreements and billing authorization. 

This complaint is not about disagreement with a single dispute outcome. It concerns whether Wells Fargos chargeback process relies on automated or discretionary decisioning without meaningful evidence review, and whether merchants are being subjected to unfair financial harm as a result. 

I am requesting that Wells Fargo : Review how these disputes were evaluated Explain how evidence was assessed before ruling Confirm what safeguards exist to prevent unsubstantiated chargebacks Address whether automated decisioning is being used without adequate oversight

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Please see the attached FTC complaint filed against your company. 
I am submitting this complaint because Westlake Portfolio Management , LLC has repeatedly failed to validate a debt it is reporting and has made misleading and deceptive statements in collection communications. 
I requested full validation of the alleged debt ( Account XXXX. XXXX ), including the original creditor assignment, a copy of the signed agreement, complete account history and itemization, and all documentation supporting the balance. It has been well over 45 days since my written request, and I have received no validation, no proof of ownership, and no documentation establishing the legitimacy of this debt. Instead, Westlake Portfolio Management sent a settlement offer letter including an inaccurate threat of IRS Form 1099-C reporting, which is misleading because a 1099-C can only be issued after an actual cancellation of debt not merely offered as pressure to pay without verification. 
I never received the required written validation notice as required under FDCPA 809 ( b ), and Westlake Portfolio Management has continued to furnish this disputed debt to the credit reporting agencies. Westlakes actions violate the Fair Debt Collection Practices Act ( FDCPA ), including the prohibition on deceptive or misleading representations ( 807 ) and unfair practices ( 808 ), by threatening tax consequences without basis, failing to validate the debt, and continuing collection without documentation. 
In addition, by furnishing unverified information to the credit bureaus XXXX Westlake Portfolio Management has violated the Fair Credit Reporting Act ( FCRA ). Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not provide information they know or should know is inaccurate. Under FCRA 611, disputed information that can not be verified with competent evidence must be deleted. Metro 2 reporting standards also require accurate account identifiers, correct ownership data, balance calculations, and substantiated tradeline elements none of which have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Money Management International, Inc.
State: CT

Complaint narrative:
I am CONSTANTLY flooded with robocalls all day offering me personal loan forgiveness that I DO NOT want. I repeatedly tell them to remove from the list, block the number on my phone as SPAM but to avail. They constantly change numbers and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding a collection account being reported for a XXXX  balance that is not my responsibility. 

This account arose after I switched from XXXX to XXXX during a carrier payoff promotion. At the time of the switch, the XXXX store representative told me multiple times that everything was taken care of and that no further action was required on my part. I relied on those statements when making the switch. 

I was later informed by XXXX corporate that there was a seven-day bill submission requirement in order for the payoff promotion to be honored. This requirement was never disclosed to me by the store representative at the time of the switch. Because this material condition was not explained, XXXX did not issue the payoff and the account later went to collections. This situation resulted from a failure to properly disclose promotional requirements at the point of sale, not from a standard unpaid debt. 

The account was placed with Credit Control LLC for collection. I disputed this account with all three credit bureaus. XXXX XXXX XXXX both deleted the account after their investigations. However, XXXX  continues to report the account as a verified collection. 

I also disputed the debt directly with Credit Control LLC. They responded that they would obtain verification and that collection activity would be placed on hold until validation was sent to me. I never received any validation or documentation. Despite this, the account continues to be reported to XXXX. 

The following issues are occurring : The debt has not been properly validated after a direct dispute. 
The collector acknowledged my dispute but never provided verification. 
The account continues to be reported as verified despite lack of validation. 
Two major credit bureaus have already removed the account. 
The balance resulted from a billing dispute tied to undisclosed promotional conditions. 

This inaccurate reporting is causing harm to my credit profile and is affecting my ability to qualify for a mortgage. 

I am requesting : XXXX. A full investigation into the reporting practices of Credit Control LLC and XXXX. 
XXXX. Complete validation of this alleged debt, including original agreement, payment history, and proof of assignment. 
XXXX. Deletion of this account from XXXX  if proper validation can not be produced. 

I have supporting documentation showing the deletions from XXXX XXXX XXXX, the dispute with the collection agency, and the investigation results from 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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a consumer with a disability. Citibank closed my account two months ago without proper 'reconstruction ' or due process. 

The ADA Violation : Approximately 30 days ago, I attempted to submit a formal request for Reasonable Accommodation under the Americans with Disabilities Act ( ADA ) regarding the restoration of my account access. Citibank has configured their email servers to block and bounce my correspondence. 

The Harm : By blocking my emails, Citibank has engaged in a 'Constructive Denial of Service. ' They are preventing a disabled consumer from engaging in the 'interactive process ' required by federal law.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Mortgage failed to properly manage my escrow account and caused my homeowners insurance to lapse due to their late payment. 

PNC was responsible for paying my homeowners insurance premium from my escrow account. PNC submitted the payment late. Because the payment was late, my insurance company refunded the payment back to PNC and canceled my policy for non-payment, resulting in a lapse of coverage that was entirely caused by PNCs error. 

Instead of correcting their mistake and promptly reinstating my original insurance, PNC force-placed a lender-placed insurance policy a year later. I had to quickly find a new homeowners insurance without flood insurance due to my lapse and no insurance wanted to cover me. Which my new insurance policy is significantly more expensive {$350.00} increase a year and caused my monthly mortgage payment to increase by {$150.00} per month. I also had to pay for an inspection, Wind mitigation of {$180.00} out of pocket. That PNC refuses to reimburse back to me. 

PNCs actions resulted in financial harm, stress, time off work and an unjustified increase in my mortgage payment. I was never at fault for the lapse, as escrow funds were available and PNC was responsible for timely payment. PNC should not benefit from its own negligence. 

I believe this constitutes improper escrow management, improper force-placed insurance, and violations of RESPA and applicable mortgage servicing regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I've had my PayPal account for 24 years and they permanently limited it without warning me or explaining why. They are holding {$230.00} for six months, I have no access to my money. I want my account restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: TX

Complaint narrative:
Opened a savings account with Laurel Road bank, bonus was advertised with the condition to have {$30000.00} money deposited by 90 days since account was opened. 
I deposited {$25000.00} on XX/XX/year>. Withdrawn {$10000.00} on XX/XX/year>. Deposited {$15000.00} on XX/XX/year>. Balance from XX/XX/XXXX to XX/XX/XXXX was {$30000.00}. 
Day 90 was XX/XX/XXXX. Now they refuse to pay the bonus ( {$200.00} ). Account # XXXX. Transactions history and promo screenshot are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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: VA

Complaint narrative:
On Wednesday, XX/XX/XXXX at approximately XXXX AM, I placed and prepaid for a food order from XXXXXXXX XXXX XXXXocated on XXXX XXXX in XXXX, North Carolina, using Cash App as the payment method. The merchants ordering platform provided a confirmed pickup time of XXXXXXXX XXXX which constituted the agreed service timeframe. 

I arrived at the restaurant at approximately XXXXXXXX XXXX. Upon arrival, the restaurant was not operating in accordance with the agreed service terms. There were no customers inside or in the parking lot, and the staff was not actively preparing orders. Only one employee was inside the restaurant, while the remaining staff members were outside and not performing job duties.

I identified myself to the employee inside as a customer there to pick up a prepaid order. I was then informed that the order was not ready and that I would be required to wait an additional 20 minutes, despite the restaurant being empty and the order already being paid for.

Due to the merchants failure to provide the service within the stated timeframe, and because the order had not yet been prepared, I informed the staff that I could not wait and requested a refund. I left the premises without receiving any food or services. 

I subsequently filed a dispute with Cash App for services not rendered / merchant failure to provide goods as agreed. Despite providing a clear timeline and explanation, Cash App denied my dispute and appeal without adequately addressing the merchants failure to meet its service obligations. 

I believe Cash App failed to : Properly investigate a valid non-receipt of goods/services claim Provide meaningful dispute resolution as required under consumer protection standards Act in good faith when reviewing evidence related to merchant nonperformance I am requesting that Cash App be required to re-evaluate this dispute, provide a refund for the transaction, and review its dispute handling procedures to ensure consumers are protected when merchants fail to deliver paid services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I received a email about a debt and the notice stated response by XX/XX/year> and its been added to my credit report before I could respond to the notice today XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Withholding of Payroll Funds On XX/XX/year>, I received a legitimate payroll direct deposit from my employer, XXXX XXXX XXXX XXXX ( Transaction ID : XXXX ), in the amount of {$1400.00}. Following this deposit, the account was fully operational, and I successfully completed several smaller retail transactions. 

The issue arose when I attempted to transfer my remaining balance of {$1300.00} to my linked debit card. I have a documented history of successfully transferring funds to this specific card without issue. Despite this, Venmo blocked the transfer. After I followed supports instructions to verify my bank account and wait, I attempted a standard transfer on XX/XX/year>. This transfer was cancelled, and my account was immediately suspended. 

Venmo is currently withholding {$1300.00} in verified wages. As these funds are my primary source of income, this suspension has left me in a state of financial crisis, unable to meet basic obligations like rent and food. I am requesting an immediate manual review of my account, the lifting of the suspension, and the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
I am filing this formal complaint to report a critical service failure and lack of support from Robinhood Financial LLC, which has resulted in the freezing of my assets totaling approximately {$20000.00} USD. 

Nature of the Dispute : Since XXXX, I have been attempting to transfer my investment funds out of my Robinhood account. However, the application requires a Two-Factor Authentication ( 2FA ) SMS code to authorize the withdrawal. Despite repeated attempts, the system fails to send this code to my mobile number on profile.

Consequently, I am can not access my own capital.

Timeline of Events & Lack of Support : Technical Failure : Upon initiating the transfer of funds ( approx. {$20000.00} ), the app prompts for an SMS verification code which is never delivered. The system asked me to verify my phone before but again, never received any SMS code. 
Initial Contact : I contacted Robinhood Support regarding this technical error. A support case was opened and several emails have been sent, but I have received no further critical follow-up, explanation, or resolution plan. 
Escalation Attempts : Today, I sent two additional urgent emails to their support team. Both inquiries have been ignored, and there has been no acknowledgment of the urgency of this financial matter. 

Impact : Robinhoods failure to maintain a functioning verification system, combined with their negligence in providing timely customer support, has effectively frozen my assets. This lack of access to substantial personal funds is unacceptable and causes undue financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Shopping advertised a promotional email offer stating {$200.00} off {$200.00} for a Zoro purchase. I clicked through the email and completed the purchase as instructed. Capital One Shopping later issued only {$73.00}, claiming a 32 % base rewards rate, but refused to provide the eligible subtotal or calculation explaining how this amount was derived. I was instructed to wait 90 days before following up. After doing so, Capital One Shopping required a screenshot proving activation of the offer, despite the email-based promotion not presenting any activation confirmation and despite the delay making such proof impossible. Capital One Shopping declined to review its own email campaign or click-tracking records and has now stated it can not proceed further. I am requesting review of the promotional misrepresentation and proper issuance of the advertised reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RCis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RCis 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