vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> I made a payment over the phone. The agent told me that the balance of my loan would be required in the next 30 days without payment extensions. That I had to call and make those arrangements by XX/XX/year> or they would require the full amount when my next payment was due. 10 days from XX/XX/year> They said that the time on my loan had expired. That it turned into a balloon loan because I rolled some payments during XXXX. Something I very specifically asked about. They assured me that paying the XXXX dollar fee would pay the finance fee to restructure the loan. That there was a small interest charge added to those specific payments. When I tried calling over 20 times, prior to the XXXX they absolutely shut off all communication to me without any means to contact there accounting department. I have made continuous efforts, along with making another payment for the second time in a month to try and resolve this matter. My loan only has XXXX left on a very long process. They completely misrepresented the terms of the payment deferments. They reported late payments without any explanation, or flexibility to why they continued to state that these payments were made late. I have written them another email trying to resolve the matter yesterday XX/XX/year>. I am prepared to provide my payment history along with continued efforts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One about a declined purchase and they directed me to XXXX XXXXXXXX department XXXX XXXX. XXXX XXXXXXXX department XXXX XXXX told me that the bank only should have taken out the money in my account ( {$1100.00} at the time ) and sent that to the XXXX XXXX department XXXX XXXX. Instead Capital One removed the entire amount owed to XXXX XXXX department XXXX XXXX ( {$5500.00} ) thus making my account go negative over {$4600.00}. XXXX XXXX department XXXX XXXX called Capital One with myself on the line and released the XXXX and asked that Capital One release my account and bring it up to date ( positive ). XXXX XXXXXXXX department XXXX XXXX also advised that they ask that this not happen to accounts when a direct deposit payroll check is deposited into an account. This all happened Thursday afternoon XX/XX/XXXX and as of today Saturday XX/XX/XXXX my checking account is still negation {$4600.00} dollars. Is there anything that can be done to expedite this process and bring my bank account current. Now some of my auto payments are starting to decline because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Everi Payments Inc.
State: CT

Complaint narrative:
I was at the casino ( XXXX ) and I went to XXXX atm and requested to withdraw {$500.00}, the fee came on screen to accept {$5.00} fee for withdrawal in which I accepted and cash that came out was XXXX {$20.00} bills in which I immediately called XXXX and asked how to resolve the issue, they stated it was not their atm and was unable to assist but was able to call XXXX in which I spoke with a guy I don't remember him stating his name but he said I would have to contact my bank and dispute charges via federal regulations, contacted XXXX XXXX and spoke with XXXX and XXXX other females in which they stated claim was started and they would investigate in XXXX business days, I looked this morning and they placed a {$.00} credit stating claim was closed with no other resolution to disputing {$400.00} that was not received. I have the receipt in which I submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding an installment loan originally issued by XXXX XXXX XXXX XXXX, now serviced by BMO Bank N.A . In XXXX I contacted the bank due to temporary financial hardship and was offered a hardship arrangement by a representative. I was instructed to make half payments for XXXX months and was explicitly told that the remaining balance would be added to the end of the loan and that the arrangement would not result in late fees or negative reporting. I followed the instructions given by the bank and made the agreed reduced payments during that hardship period. After the hardship period ended, I resumed making my full regular payments beginning in XX/XX/year> and have continued paying the full payment amount since that time. Despite this, the bank has continued to assess late fees every month and has treated the account as delinquent. These late fees have accumulated to over {$300.00} and the account now shows past due balances even though I resumed normal payments months ago. I have contacted the bank multiple times by phone to correct the issue, explaining that I was following the hardship instructions provided by their representative. Each time I have been told that the issue would be corrected, but nothing has been fixed and the account continues to accumulate late fees and negatively affect my credit. I relied on the hardship instructions provided by the bank in good faith. The banks failure to honor the terms communicated to me has caused financial harm and damage to my credit. This arrangement was for XXXX, XXXX and XXXX of XXXX and I have been paying full since XX/XX/year>.

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 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I asked for verification via this app in XXXX. The debit collector responded within the allotted timeframe stating they would reach out to me directly. The case was closed. However, they did not reach out until XX/XX/year> stating I had to appear in court, however the documents doesnt have a court date. In XXXX I requested said company to communicate with me via this app. Clearly one of us have something to hide. Please help me to resolve this conflict. Or at the very least shed light on how and why this is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank after 25+ years has decided to close all of my bank accounts. I beat then to the punch and moved all of my accounts to a different bank. However, my TD credit card does not allow me to access online since they closed my banking accounts. I spoke with customer service who REFUSED to give me information and told me to go to the branch. I drove to the branch and the assistant manager tells me they tell everyone that and we can not do anything. Another waster of time. The branch employee said I can come into the branch for my balance and to pay my card. Seriously!!!!! I want access to my credit card and the ability to pay online. What financial institution does not allow a customer to review their account. I requested to switch to paper statements and they said only can be done online which I have no access too. How can a bank take away an active current credit card account from a customer and expect them to come to the branch to pay?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Point Digital Finance, Inc.
State: FL

Complaint narrative:
I was taken advantage of by a slick salesman to take out a loan that pays the lender more than 100 % of the principle borrowed. I was told at origination that the only difference between Point Digital & Conventional HELOC loans is that there are no monthly payments but in the end they took over 100 % profit from my equity. That would never have happened with a Conventional loan. These companies are preying on people & not bound by the same guidelines as Conventional loans & it allows them to mislead the borrowers so that they can make huge profits. I borrowed $ XXXX & in 5 years they now want over $ XXXX as profit, I can't imagine what it would've been had I held this longer. Point Digital stacks the deck in their favor to make exorbitant profit. Its wrong!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am disputing a charge that was processed on XX/XX/year>. The charge was for a cab ride from the XXXX XXXX XXXX to an apartment that was XXXX minutes away. The charge according to the driver upon dropping me off at my destination was XXXX XXXX XXXX XXXX {$21.00} USD. I was not provided with a receipt as the driver said he was unable to print one from his credit card processing machine. Upon checking my credit card statement I was charged nearly XXXX ZAR. This is XXXX XXXX invalid. I locked my credit card and reported the charge immediately. Apparently, this is a scam frequently done by transportation companies where they add extra digits to the card machine without showing the amount to customers. I used XXXX for the remainder of my stay in XXXX XXXX and none of the charges exceeded {$30.00} USD. This charge is XXXX XXXX invalid.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email stating that my account access had been restricted due to what Wells Fargo XXXX Online Fraud Detections Operations thought was " unusual activity '' and I needed to contact them to confirm the activity. I immediately called the phone number that was provided and confirmed that the " unusual activity " was of my doing not XXXX. Upon trying to check my account balance on XX/XX/XXXX so I could pay some bills I discovered that my accounts ( now my savings account was also restricted ) had been placed in a " post no debit '' status. I have called numerous times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to try and gain access to my accounts only to be told that the representative could not access my accounts or that I needed to step into a branch. I have told every single representative I have spoke with that since I have had a XXXX in XX/XX/XXXX that I am not able to travel outside of my home because it could be fatal. I don't know what or where to go from here.

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 2026-03-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to the bank to verify my identity with XXXX forms of id because I thought my account was frozen but after I did this the XXXX customer service asked what could the do for me then I asked if they can send me a new bank card and they said that they werent the ones who froze the account and couldn't help me from there

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 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IN

Complaint narrative:
" I am disputing a collection account from I.C. System ( Original Creditor : XXXX XXXX ) for {$240.00} that appeared on my credit report on XX/XX/year>. I have no record of this debt and did not have an active account with XXXX during the period in question. I have previously reached out to the company to verify this debt, but they have failed to provide proof of the balance or a signed contract. I am requesting that this inaccurate derogatory mark be removed from my credit profile immediately.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened the Citi XXXX XXXX card in XXXX. It was immediately frozen because of the IRS snafu last fall, and then Citi closed it unilaterally in XXXX. Since then Ive been asking Citi every month for a refund of the {$590.00} annual fee. Each time a rep told me the issue would be resolved shortly. Now the account is closed AND carrying a past-due balance potentially threatening my XXXX credit score and yesterday a rep finally told me they will not refund the annual fee. So effectively Citi is charging me {$590.00} for a card I was approved for but never actually got to use. Please help!

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 2026-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a transfer of {$7500.00} from my PNC checking account in my PNC savings account ending in XXXX. XXXX days later on XX/XX/XXXX, I opened my mobile app and noticed that my savings account was missing, they had closed out my account with out notice, and were refusing to explain to me why, as I was sure there was no fraudulent activity. They kept maintaining that they simply could close my account whenever they want to. I told them that you cant just close someones account without there being fraudulent activity, money laundering, or suspicious activity. They have to at least tell me something in writing. I reached out to the XXXX, XXXX XXXX via email, and he had the executive client relations team reach out to me. They still were not able to answer my question as to why they closed my account. I went into the branch that I normally visit. I spoke to XXXX, the branch manager who typically handles my affairs for about XXXX minutes and expressed to him my disappointment in the situation. He too, could not explain to me why they were closing my savings account, but then went on to tell me that they were also closing my checking account. I became aggravated and stated to him if you could tell me that theyre closing my checking account too they can tell me why theyre doing this. They have closed my account at the end of the month, that money was meant for XXXX months worth of rent and utilities. I am now late on my rent. I have received an eviction notice, and Im late on my light bill and there are no possible extensions. I would like to take legal action against PNC Bank for causing these financial damages and obstructions for NO good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I'm trying to make a payment and they are requiring me to verify my checking account with XXXX micro deposits to be made by XX/XX/year> the deposits were not made my payment is due on XX/XX/year> I believe that they are deliberately not processing this verification I have tried several times via the mobile app that they make you use and it seems as if its automated it keeps giving me instructions on password login issues non responsive and nothing to do with my issue just clear misdirection and the email support the same-thing I want to payoff this account and close it they are not allowing me to make the payment they are forcing me to pay interest on {$3000.00} I have spoke to someone who told me I had to wait til the end of the day on XX/XX/year> still no deposits then this morning an email offering assistance in closing my account not resolving the payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Account XXXX XXXX my social security number is XXXX if you pull my credit account i was unaware of this charge on my account, I would like it removed. I did not have time to dispute this account off my credit. if you believe you've sent proper notification. please provide 'certified mail ' with my signature. if not please delete this account. here are the first couple of digits from the account # XXXX that's all the information i have to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: PA

Complaint narrative:
I went to the XXXX dealership on XX/XX/XXXX and traded my XXXX XXXX XXXX in for a XXXX XXXX XXXX brand new. I left the dealership around XXXX immediately after me pulling off the vehicle check engine light came on along with other warning signs ( seat belt, camera malfunction, XXXX pre sense warning ) light was also flickering and dimming as I was driving. I reached back out to the dealership and let them know about the problems and XXXX be there when I get off of work. When I arrived back at the dealership I told them that I would like to have my XXXX XXXX back because I didnt want to deal with no issues with a brand new car vehicle. They said its nothing they can do bout the situation. These problems occurred within a hour of me having the car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payfare International Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding funds being withheld from my XXXX account. Since XX/XX/year>, a balance of {$110.00}, originating from a medical insurance refund, has been held in my account. These funds are not related to XXXX earnings, chargebacks, or merchant disputes. After multiple attempts to resolve this directly with XXXX, I received a response stating that my account no longer aligns with internal policies and risk tolerance. No specific law, fraud determination, or third-party claim was provided to justify permanently withholding my personal funds. I requested written confirmation of any legal or policy basis for holding these funds, including whether the funds were subject to a legal hold, fraud finding, or third-party claim. I also requested the return of the {$110.00} balance to my account or by check. I did not receive this information. I am requesting that the company either : 1. Provide a specific legal basis for withholding my funds, or 2. Return the {$110.00} balance to me via check or reversal to the originating institution. I have made multiple good-faith attempts to resolve this issue directly with the company since XXXX without success. I understand the company may choose to close accounts based on internal risk policies. However, I am requesting the return of the remaining {$110.00} balance that represents my personal funds and is not associated with any dispute, chargeback, or fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding my Toyota Financial Services auto loan for a XXXX XXXX XXXX. The vehicle was repurchased by the manufacturer under a Lemon Law buyback. I surrendered the vehicle on XX/XX/XXXX and signed all required surrender documents. I also provided a certified check in the amount of {$8400.00} for the mileage offset as required by the settlement. According to the buyback agreement, Toyota Motor Sales, USA is responsible for paying off the remaining loan balance directly to Toyota Financial Services. However, my loan account still shows an active balance and past-due payments even though I no longer have possession of the vehicle and have fully complied with all requirements. This delay is outside of my control and I am concerned about potential negative credit reporting. I respectfully request confirmation that the manufacturer payoff has been processed or scheduled, that my account be placed on administrative hold, and that negative credit reporting be suspended while the payoff is being completed.

Company response to consumer: Closed with explanation