vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Hello, I received a letter of an attempt to collect a debt after numerous calls and texts. I thought it was a scam at first but then I received the letter. It was for a XXXX  XXXX  for {$15.00} a month that is is drafted from my debit card on file automatically every month. I haven't been to the gym in 3 years and its such a small amount I didn't notice when it stopped drafting from my account. I had fraud on my debit card and a new one was issued and the payment of the {$15.00} discontinued. It was 3 month unnoticed that the payment was not drafted. The draft auto pays in advance for the following month.

Anyways I get a debt collection notice from Aldous & Associates license # XXXX, I call and ask for the original contract to see the terms signed to and ask for a ledger as {$15.00} for 3 months doesn't equal {$110.00}. I was told on a recorded line that they do not have that information and its my responsibility to pay and keep track to my stuff. I was told to go to the original account holder, but the amount is owed and if I don't pay it it would report on my credit report as a collection. 

I called the gym XXXXXXXX XXXX XXXX and asked for the original contract signed and the ledger. I was told I owe money and they don't have the contract but someone will call me. No one ever called me.

Aldous & Associates has no information except and amount and called me, text, and sent me a letter for a balance they can not substantiate. I am willing to pay what I owe if I can receive documentation of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
To my knowledge, my car was paid off on schedule. Now I need to junk the car. I went to the Secretary of State to pull the title and I was told there is still a lien on it. I called GM financial and they said the vehicle was a charge off as an uncollectible debt in XX/XX/XXXX. They will not give me a loan statement or send me all of my account activity so that I can verify. They said they sent a XXXX to an old address of mine in XXXX. They said I need to pay {$840.00} ( I think thats the amount ) before they release the lien. The car has a blown engine and does not work. It is a XXXX car. This is a long time ago. If the car is charged off and deemed uncollectible, why are they trying to make me pay to release the loan? The car was paid off in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I formally requested proof that I am legally obligated for this alleged debt, including documentary evidence showing that I personally opened, authorized, or contractually agreed to the account. In response, Citibank provided copies of billing statements and an internal application summary but failed to produce any signed credit agreement, electronic authorization record, or other admissible proof establishing contractual liability.

Billing statements and internal account screenshots do not establish that I am the person who incurred or authorized the debt, nor do they demonstrate mutual assent to the alleged contract. Despite this deficiency, Citibank continues to treat the account as valid and may be reporting it to consumer reporting agencies without having substantiated contractual liability.

I have notified Citibank in writing that the documentation provided is insufficient and that the account remains disputed. I have also revoked authorization for any automatic payments until proper proof of liability is produced.

Citibanks continued verification or reporting of this account without competent evidence raises serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly the requirement to report information with maximum possible accuracy and to conduct a reasonable investigation when a dispute is raised.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, a Bank of America ATM did not dispense cash but the amount was debited from my account.

I need to open a formal claim for an ATM error and get a case number today. 


On XX/XX/XXXX, a Bank of America ATM did not dispense cash, but the amount was debited from my account.

I reported the issue, but no case number or provisional credit has been provided.

I depend on these funds for basic living expenses.

I am requesting immediate reimbursement and compliance with Regulation E

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
First National Collection Bureau , Inc . 

XXXX page letter arrived on XX/XX/XXXX stating that I, XXXX XXXX, owe a discounted payment of {$850.00} on an original debt of {$1400.00}. 
The debt reference number : # XXXX Current Creditor : XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. 
Case Number : XXXX Judgement Date : XX/XX/XXXX I have never done business with XXXX XXXXXXXX XXXX nor have I had a credit card or other loan from XXXX XXXX XXXX 

This debt collection effort is a scam and it is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I work in XXXX XXXX  and had a customer tip me and my coworkers via XXXX on XX/XX/XXXX in the amount of XXXX dollars on a bar tab of XXXX. The customer disputed the XXXX transaction on XX/XX/XXXX claiming he wasnt at the bar and didnt make the payment. I submitted his receipts with his signature to XXXX XXXX XXXXXXXX and XXXX showing the purchase. XXXX unenrolled my account and Ive attempted to get information about reopening it and information about the dispute with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Back in XXXX and XXXX I was scammed of almost {$3000.00}. This scam is related to the XXXX XXXX and XXXX complaint I put in. The fake wfh manger was signing into my navy federal account acting like he was helping me get my equipment to start work. I was young at the time and wasnt aware of scams. He/she was using my XXXX making XXXX XXXX purchases and transfer money. He/she did most of these transactions without my knowledge. I tried to do XXXX appeals but they didnt get back to me. I had to call to see what was my status after they kelp saying theyre working on it. I was told they close my investigation and account. This is honestly not fair and disgusting after being scammed and my bank not actually taking the timeout to help me retrieve my funds back. I asked them why did they close my investigation she didnt give me a reasonable answer. This is {$3000.00} were talking about not {$30.00} or {$3.00}. I want someone to please help me out to get all my money back and to cancel that credit card he/she order under my name now it impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: NV

Complaint narrative:
I owed XXXX XXXX XXXX  credit cards in the past i had already paid about {$2500.00} of the debt last year and im receiving mail about debt from XXXX of these XXXX specific cards i do not owe anyone anything

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received XXXX payments from my work for the XXXX XXXX XXXX XXXX. I had no plans of touching or using this money immediately ; I intended for it to sit in my PayPal account specifically to pay my bills. Because I knew the money was there and I didn't want to bother it, I didn't pay it any mind while I was out with friends. 

The only reason I logged into my account at all was because I saw an email notification stating there was a login to my PayPal from a new XXXX XXXX in XXXX, Illinois. I do not live in XXXX, and I was nowhere near that state as i live in XXXX XXXX Florida. When I checked my account, I saw that there were XXXX transfers withdrawn to an account and card that i did not add and does not belong to me and is not in my name or anyone in my family. 

I IMMEDIATELY tried contacting PayPal customer service, but they were closed and out of service hours so no agents were available. I even called, but got told to call back during available hours. I was forced to wait until XXXX XXXX the next morning to get help. I took it upon myself to change my password and remove the fraudulent XXXX phone from my trusted devices that night just to be safe. 

At around XXXX XXXX  on XX/XX/year>, I spoke with a PayPal agent, had a case opened, and had them remove the fraudulent card. It is a massive security flaw that PayPal allowed a login from a phone thats in an entirely different state and let them connect a card that doesn't match the account owner 's name or any other info and withdraw funds instantly!! 

Since then, PayPal has restricted my account and put everything on hold, treating me like the suspect instead of the victim. I did nothing wrong. I have verified my ID fully with PayPal over 4 times now, yet I still do not have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Wells Fargo Banks failure to honor an advertised {$420.00} checking account promotional bonus, despite my full compliance with all stated eligibility requirements. 

I opened a Wells Fargo checking account on XX/XX/year>, under the name XXXX XXXX, Account Number : XXXX, using a valid promotional invitation code. I completed direct deposits totaling more than {$6000.00}, thereby meeting the promotions requirements in full. Wells Fargo has not paid the promised bonus and has provided no written explanation for its failure to do so. 

In XXXX, I attempted to resolve this matter in person at a Wells Fargo branch. Branch staff declined to assist or escalate the issue, effectively denying meaningful resolution.

This conduct appears to constitute unfair, deceptive, or abusive acts or practices ( UDAAP ), as Wells Fargo advertised specific promotional terms, accepted qualifying deposits, and then failed to deliver the promised incentive without disclosure or justification. 

I respectfully request that the CFPB require Wells Fargo to : Honor the advertised promotion Pay the {$420.00} checking account bonus Provide a clear written explanation for the delay and failure Thank you for your attention to this matter. 

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express has closed my access to my account to pull up exact dates. 
Amex closed my account due to bank error for extra and or additional payments besides my minimum payment which has been always on time. 
My minimum payments were always made on time if not early.. 
Additional payments failed to go through due to bank error. 
Amex closed the account without further investigation. 
I was in touch with Amex and received no answers. I was treated like a criminal. 
Harm resulted : ( My credit score drop, loss of credit, fee 's, inability to use account, closed by creditor on my reports, loss of XXXX XXXX points. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: NY

Complaint narrative:
I am submitting this complaint regarding threatening and deceptive debt collection practices by a company identifying itself as Global Solutions and an individual named XXXX XXXX. 
I received an email stating that an enforcement team would be sent to my business and home address to inventory assets, that they would arrive unannounced if I did not respond, and that the sender had already initiated the process of freezing and attaching my bank account. I also received follow-up text messages reinforcing this communication. 
No court judgment has been entered against me, I have not been served with any lawsuit, and no lawful authority exists for any asset seizure or bank attachment. The statements made in the email and text messages falsely imply immediate legal authority and enforcement powers that private debt collectors do not possess.

The communications were threatening, misleading, and designed to intimidate. No validation of the alleged debt, no court information, and no lawful documentation was provided. The use of language suggesting imminent seizure of assets and bank accounts is false and alarming. 
I am requesting that the CFPB investigate this matter, require the company to cease these practices, and take any appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Refusal to Execute Time-Sensitive Wire Transfer & Denial of Service for Remote Customer Statement of Problem : I am a PNC customer attempting to wire funds strictly for a home refinance closing. This transaction is extremely time-sensitive and critical. I currently reside in an area with no physical PNC branches nearby, meaning I am solely dependent on PNC 's telephone and online support to access my own funds. 

Failure of Support : Despite explaining the urgency of the closing deadline, PNC customer service has been uncooperative and obstructive : Refusal to Assist Remote Customer : When I requested a wire transfer via phone ( my only option ), the representative directed me to " go to a branch, '' despite my explicit statement that no branches exist in my region. 

Unprofessional Conduct : When I insisted that I could not visit a branch, the representative was dismissive and told me to " do business with other banks. '' This is an unacceptable response from a financial institution holding my funds.

Refusal to Commit to Standard Timelines : The representative resisted helping me initiate the wire, stating that if I did a phone wire, " the timing is not guaranteed. '' While I understand standard processing times, using this as an excuse to discourage the transaction places my real estate closing in jeopardy. 

Impact : PNC 's refusal to facilitate this standard transaction efficiently puts me at risk of missing my closing date. This could result in the loss of my interest rate lock, financial penalties, or the collapse of the refinancing deal entirely. 

Desired Resolution : I require PNC to : Immediately execute the requested wire transfer with priority status to ensure it arrives for closing. 

Contact me to confirm the wire reference number. 

Provide a written explanation regarding why a remote customer was told to " go to a branch '' or " use another bank '' when attempting to access their own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year> i contacted SoFi via phone at XXXX EST and spoke with a representative named XXXX . I indicated to XXXX that as of today, my employer has made a significant reduction in my income from {$120000.00} to {$65000.00} effective the next paycheck, due to my Employer 's Financial constraints and that this came with no warning until today. I asked and inquired about potential forbearance options such as a {$0.00} payment for XXXX months or longer, moving those months to the end of the loan period, interest only payments or other temporary economic hardship options. I was met with only XXXX option which was not forbearance to temporary relieve payments in it's entirety for a few months, and that option was to reduce my payments from {$1100.00} per month to {$1000.00} a month ( A {$46.00} difference ) and that it would add XXXX ( XXXX XXXX ) more months to my loan if i were to go forward it. When i expressed that this option does not help at all and basically they'd rather me default than to help someone who A ) Has good credit B ) Has paid their loan on time and has been current for XXXX months C ) Who had this loan refinanced from another student loan lender and D ) Has been impacted by a salary reduction of $ XXXX, i was met with the following " I should get another job, I should find a roommate to rent a room out of my house ''. That is disrespectful and rude. I am XXXX XXXX XXXX, and i do not need to " get another job, or find a roommate ''. They left me with NO option other than to possibly default this loan, letting it go to collections, and then they may be able to help, but they wouldn't know if i would then be eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I bought a house and the title company made me bring cash to close so they could pay off the loans necessary for funding. The title company took longer than expected to mail in my payoff amount, so I had to make a payment to prevent default. This resulted in an over payment in the amount of {$290.00}. This was posted to my account by Sloan servicing on XX/XX/year>. The pay off amount was {$10000.00}. 
The first time I called, XX/XX/XXXX, they said that the check was mailed to me and verified my mailing address. 
On XX/XX/XXXX, I had not received the check, so I called again. XXXX said they sent the refund check on XX/XX/year> check # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$290.00}. But then they said that they mailed it to my title company since they were the ones that sent the pay off check. 
I have contacted the title company and they have no record of receiving a check. 
XXXX is not allowing me to request a stop payment, nor are they giving me any information as to where the check was mailed, if there was any identifying information on the check, or if it was cashed by the title company. It has been XXXX months since the payment was received and I don't know what information is true because of all of the conflicting information I have been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
I was contacted by a debt collection company regarding an old debt. I tried to negotiate a settlement and they agreed verbally to accept {$1100.00}, but they refused to provide any written confirmation by email. I requested written verification of the debt, proof that they are authorized to collect it, and written confirmation of the settlement amount. Instead of providing documentation, they pressured me to give my bank account and routing number. I do not feel safe providing payment without written proof. This behavior feels misleading and unprofessional, and I am requesting assistance to ensure my rights are protected.

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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XX/XX/year> contacted XXXX and spoke to XXXX fling. Offered settlement to him he stated his refusal, requested to speak with a XXXX who offered XXXX to close the account as a XXXX time payment. I requested verification of that amount in writing and he refused stating I have to pay that amount first prior to be issued a letter. I advised him I will not make a verbal commitment to an amount without seeing it in writing and I felt he was bullying and pressuring to get the payment first before he would do anything to show that once the payment is made the debt will be resolved. Associate hung up the call stating it was going nowhere.

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