vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
My XXXX XXXX XXXX  paycheck was deposited on XX/XX/XXXX at approximately XXXX p.m. through PNC 's mobile app. It was deposited to a new checking account ending in XXXX because my other checking account ending in XXXX had fraud on my account through XXXX. I reported the fraud to PNC several weeks ago and PNC refunded the {$30.00} charge that was fraudulent to my checking account ending in XXXX. XXXX XXXX XXXX XXXX  policy for a new direct deposit checking account is to mail the first paycheck to your home address which I received on XX/XX/XXXX. As I stated I deposited it through PNC 's mobile app and was told from PNC that the funds would be available on Tuesday XX/XX/XXXX which they are not. I was told several different things by PNC including that it was a problem with the issuer of the check and call them which was incorrect. Finally after spending all morning making phone calls and getting different answers from PNC, I was told from PNC that due to having fraud on my other checking account ending in XXXX, this deposit to a new checking account ending in XXXX was going to be on hold as a " precautionary measure. '' The PNC customer service representative told me that I would not be able to have my paycheck funds available of {$1500.00} until XX/XX/XXXX. I don't feel this is fair because I have received paychecks from the XXXX XXXX XXXX  since XXXX of XXXX. This is not a new payer to PNC for me and it is from the state so it should not be questioned and held until XX/XX/XXXX. Also it is a deposit to a new account not a charge so I don't understand the reasoning of possible fraudulent activity. And PNC could simply call the XXXX XXXX XXXX today to verify these funds instead of make me wait until XX/XX/XXXX which is over a week since I received my paycheck on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: TX

Complaint narrative:
I am filing a complaint regarding PayPals handling of a buyer protection dispute and refusal to provide relief despite clear merchant failure. 

Transaction ID : XXXX Amount : {$180.00} I purchased an item using my PayPal balance. The item I received was not true to size and arrived with damaged packaging, making it not as described at the time of purchase. 

I attempted to resolve the issue directly with the merchant ( XXXX  ). The merchant stated that they would contact me within XXXX hours, but they never responded. I made multiple good-faith attempts to resolve the issue and documented all communications. 

I filed a dispute with PayPal, but it was denied solely due to timing. The delay in filing was caused by family medical emergencies involving hospital visits, which limited my ability to respond sooner. 

I contacted PayPal by phone and escalated the matter to a supervisor, requesting a manual review or courtesy credit due to merchant non-response and the condition of the item. The supervisor denied the request strictly due to policy and offered no alternative resolution. The call was recorded. 

I do not have original photos of the item, packaging, or a screenshot of PayPals denial, but I have documented communications with the merchant and PayPal supervisor detailing the denial and circumstances. 

PayPals refusal to consider merchant non-response, product condition, and documented hardship results in an unfair outcome. I am requesting that PayPal conduct a fair review of this transaction and issue a full refund of {$180.00}, including any shipping costs paid. I consider this a fair resolution. 

I have supporting documentation of communications with the merchant and PayPal supervisor and can provide additional details if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-01-27 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: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
On Thursday, XX/XX/year>, I received a call from Hillcrest Davidson and Associates about an alleged debt. I did not confirm it was mine and requested validation. I also asked them to cease communication until validation was provided. The agent became upset, stated it would be added to my credit, and hung up. This was unprofessional and did not comply with my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My loan was sold to BMO, I have had nothing but issues with Bmo, It tooks months just to change my address with the company at first, I mean months. Now, I am trying to get my tax forms from this company, and when i go online to find my tax forms, not only can not find my tax forms, they are telling me after I can not even see my loan statments, that I will never get loan statements online. 
I look up XXXX, and they actually have a video stating that you are able to do this online, I call them to have this corrected and then told no you can receive it online. the man I spoke with was XXXX on XX/XX/year> at XXXX am and this has been an on going issue with BMO last year I never recieved a tax form for all the interest I paid for my loan and this year I am going through the exact some thing with this bank. I am asking for help because this bank does not response for months with XXXXXXXX XXXX. I do not understand why i am not intitialed to online services just like every other loan I do business with, here in the united states. This is holding me up and it is the last of my documents my accountant is waiting on, for my taxes.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I asked a representative to send me a letter of debt validation. She claimed one was sent on XX/XX/year>. I did not receive the letter. She advised to check my spam folder, nothing was there. Within minutes a letter was emailed. I received a billing statement. I want a letter with my signature, payment history, current owners of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
The debt associated with BridgeCrest and whatever collection agency they sold this debt to long overdue and violates specific laws that protect credit profiles such as mine. During the year XXXX, I reached out to Bridgecrest twice, and neither time was I given the information I asked for nor was he problem solved. When I made contact with bridgecresg offices they were never able to find my profile with them, resulting in me taking this matter to the CFPB. This is my third time inquiring about this account that is older than 7 years, and I and being told Im responsible for, yet when I talk to them in person they have no record of me. I want a clear and understandable explanation and record of where they pull their information regarding me and my association with any account I have tied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I purchased my home in XX/XX/XXXX. After the loan transferred between servicers, issues arose with escrow administration for property taxes and homeowners insurance. 

In XX/XX/XXXX, I notified the prior servicer that the annual county property tax bill had been issued and forwarded the bill to them. The servicer acknowledged receipt but failed to pay the bill before the due date. As a result, the tax bill became delinquent and penalties and interest accrued. 

In XXXX, multiple large escrow disbursements occurred within a short period of time, including a county tax installment in XX/XX/XXXX ( approximately {$3600.00} ), a consolidated annual tax payment in XX/XX/XXXX ( approximately {$5300.00} ), and another county tax installment in XX/XX/XXXX ( approximately {$3600.00} ). In addition, two homeowners insurance premiums were paid from escrow in XX/XX/XXXX due to a mid-term insurance change, including a payment of approximately {$2600.00} for a canceled policy and approximately {$1500.00} for the new policy. 

These disbursements caused a sudden escrow shortage of over {$4200.00} and resulted in a sharp increase in my monthly mortgage payment to more than {$4300.00}. This payment increase was not reasonably predictable at the borrower level and created financial hardship. 

I contacted the servicer and requested a full escrow audit, documentation of tax and insurance payments, confirmation of insurance refunds, and correction of the escrow account. In XX/XX/XXXX, the servicer provided an escrow audit and refunded approximately {$540.00} in tax penalties and interest related to the prior servicers failure to pay on time. However, the servicer maintained that the remaining escrow shortage was valid, declined to offer extended escrow repayment or other hardship accommodation, and did not confirm recovery of the canceled insurance policy refund. 

As a result, the escrow imbalance and increased monthly payment remain unresolved despite my efforts to work with the company in good faith.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I enrolled in Citi XXXX XXXX for a specific purchase in the amount of {$1400.00}, selecting a 6-month installment plan with monthly payments of {$240.00}, as shown in Citis  XXXX XXXX  confirmation screen ( attached ). 

Despite enrolling in XXXX XXXX, Citis AutoPay system later accelerated a large payment of {$1100.00}, effectively overriding the installment plan. This interaction between AutoPay and XXXX XXXX  was not clearly disclosed at the time of enrollment. The XXXX XXXX interface states that early payoff is optional, not automatic. 

Before the payment attempted to settle, I warned Citi in advance that the accelerated payment would not clear and would cause financial hardship. Citi acknowledged the warning but stated the payment could not be stopped due to system limitations. 

When the payment returned, Citi assessed a {$30.00} returned-payment fee, even though the return resulted from Citis own system interaction and not a refusal to pay. Citi later asserted that the payment was intentionally authorized solely because AutoPay existed, while ignoring that I had enrolled in XXXX XXXX specifically to avoid full payoff and manage cash flow. 

I acted in good faith, relied on Citis XXXX XXXX disclosures, and attempted to prevent harm in advance. I was nevertheless penalized for a conflict between XXXX own payment systems. 

Resolution requested Refund/waiver of the {$30.00} returned-payment fee Reinstatement of XXXX XXXX  or enrollment into an equivalent installment plan Clear disclosure correction so customers are warned that AutoPay may override XXXX XXXX  and accelerate balances This represents an unfair and misleading servicing practice, where conflicting internal systems cause consumer harm despite advance notice and good-faith effort.

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 2026-01-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been getting charges from XXXX, XXXX eats, and uber XXXX membership since XX/XX/2025. I noticed on XX/XX/XXXX that these charges have been happening. They range from XXXX to XXXX even XXXX dollars. I reached out to my bank which is XXXX. There is an investigation going on but they have given me noticed that a large chunk of my claim is getting denied. These charges were not done by me and I dont know what else to do. Chase bank credited me back XXXX dollars and so far they are taking back XXXX dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I used my credit card to donate to XXXX XXXX XXXX XXXX XXXX paypal but Paypal refuses XXXX release the funds to my XXXX and refuses to return the {$500.00} to me. This refusal came on XXXX XXXX when I called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: OK

Complaint narrative:
I was alerted by XXXX  and XXXX  that a ChimeFinal Secured credit card was opened in my name or my SSN. I did not open this account. I tried to contact Chime with the phone number that the report provided for Chime and when asked to select the number for Fraudulent activities I was transferred to a foreign call center with heavily accented personnel. I felt very uncomfortable with the situation an ended the call. No matter what you select in the Chime phone tree you are sent to a very noisy and loud foreign call center. I'm not comfortable providing my personal info to foreign personnel. Can you provide a XXXX based contact number please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX. SYSTEM, XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX. SYSTEM, 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited a check to my Truist XXXX Banking on Friday XX/XX/XXXX. I assumed it would process and add to my account by Monday XX/XX/XXXX but instead I got an email saying it was on hold until XX/XX/XXXX. I'm immediately shocked because I've never had my money held from me by a bank for almost XXXX weeks without logical reason. I called the bank on Tuesday XX/XX/XXXX only to be told they had it on hold to review the check, how it was signed, and because it was my first " mobile check deposit '' and my account is " new opened in XXXX ''. I opened the account in XXXX and have had multiple deposits and withdraws made without issue. Nobody was willing to explain further or help lift the hold or cancel the deposit. I'm frustrated and need my money as i have bills to pay urgently. Honestly holding someone's money to the XXXX of the month knowing everyone had bills at the first of the month is pure evil!

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