vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I REACHED OUT TO YOU TWICE BEFORE, AND YOU CLOSED MY CASE WHEN THERE WAS NO RESOLUTION, CITIZENS BANK JUST IGNORED ME AND IS STILL IGNORING ME. They keep telling me that there is NO ONE that I can talk to to resolve this except for calling support in XXXX which is very hard to understand. At this point, they owed me two more payments and finally returned them but accidentally made the one payment twice and then they went in and took it back and charged me {$120.00} in fees and now they have a collection agency after me when someone that works for their bank gave away my father 's name and account number stole money from me and now they're coming after me... below is my initial contact with you this is still not resolved and I don't like that you guys keep closing it when it's not resolved you didn't even ask me if it was resolved.... I am tired of stressing over it My original complaint...... My father passed in 2021, for his estate I opened a checking account. Money was stolen from this account 5 times. Someone that works at the bank must have given someone the account number, knowing an estate accounts sometimes sit for years while things are settled. Someone opened a XXXX account and stole money 4 times. The person who opened the account is in XXXX. which is about 30 mins from where I bank. XX/XX/XXXX.... {$190.00} XX/XX/XXXX.... {$140.00} XX/XX/XXXX... XXXX ( resolved ) XX/XX/XXXX.... {$130.00} ( resolved ) I called and reported the FRAUD and they investigated, said it was fraud but only returned {$150.00} and the {$130.00}. I called back and asked why they didn't return the other 2 amounts, and they said they were valid!! I asked them how a deceased person could open a phone account, and they agreed that it also was fraud, but after several MORE calls they still have not returned my money. After all of that, on XX/XX/XXXX they let someone else from a University steal another {$270.00} from my account. The representative on the phone today admitted that no one followed up on the previous claims. Here are the claim numbers that are currently unresolved.... XXXX for {$270.00} XXXX for {$140.00} XXXX for {$190.00} I believe that they are just hoping I go away by ignoring my requests, that will not happen, I want the money back. I was also told that because it is under {$1000.00} they probable won't do anything about it as far as prosecuting the person ( s ), but in the initial response to my requests, there are threatening statements made to me in their letter about misrepresenting transactions and fines of XXXX, or 30 years in prison.... unbelievable! Why don't they prosecute the person ( s ) stealing from my account instead of threatening me. Why don't they find out who gave my account number to the thieves????

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: PA

Complaint narrative:
In reference to complaint XXXX, XXXX stated in their response that funds from my Account B were sent to the Pennsylvania State Treasury on XX/XX/year>. A search of XXXX show no such funds were deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a coin base credit card. There has been fraud on the card and my balance does not match my charges. I have repeatedly tried to contact coin base through their website, app, and multiple phone numbers. I can not get through to anyone. The system always give some error or another even when I triple check my information is correct. It is IMPOSSIBLE to speak to a human at coin base regarding this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Today XX/XX/year> we received a call stating we were 35 days behind on our auto lease. I said how? we set up auto draft. GM stated you can't set up autodraft with us when you have a balance due, so you have to come back and then set up a payment draft. I told them that does not make any sense and is an error in their system and they said it does cause issues and apologize however they would have to report our credit negative. I explained this is a new lease, we have never had any late payments and their system doesn't allow people to set up recurring payments how can this be our fault? The team had no interest in listening to my complaint. I immediately paid the past due amount and now for 10 years I will have a late payment due to the fact GM Financial has a program that does not allow you to set up your auto pay when your payment is due. I asked if they sent statements, she said no b/c we elected electronic statements. I asked why we haven't received any emails or notificaitons about the late payment via email so alert us and they had no response. She said they were calling an old number for us and that we provided it via our application. I told her there is no way I would have provided a bad phone # for us 3 months ago when I have not used that number in over 5 years as a primary contact phone. She was adamant. When I pulled up our information on the GM website, the address and phone numbers are from a previous lease over XXXX years go. So they lied to me and have not updated our information on the loan and were using old contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I was told that my card was being used in XXXX of declining amounts of {$150.00} and my accounts and money needed to be renewed. On XX/XX/year> the same representative told my to go to XXXX to my local Citibank atm take out money and send it over chime into a new Citi bank account, at that point I knew I was scammed so {$1300.00} was deducted from my citi bank accounts by the bank scamming me to make another account and to have action on their end, and they suggested to make new accounts on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is the location the accounts were made at. They did not send me any paperwork, the workers said different things about the money being credited until the investigation was understood that this was a scam and I had no idea this was not their actual bank. I never seen that payment on my accounts either.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding the actions of Credit Control , LLC, in connection with a collection account related to a prior XXXX XXXX credit card. I entered into a settlement payment agreement with Credit Control , LLC, and made my payments on time in accordance with the terms of the agreement. I did not miss any payments. In XX/XX/year>, I contacted Credit Control , LLC to inquire about paying the remaining balance of approximately {$220.00} in full using my tax refund. During that conversation, I was informed that my settlement agreement had been cancelled because they alleged that I had missed payments. This statement is incorrect. After being informed of this, I sent written disputes by certified mail on XX/XX/year>, and XX/XX/year>, explaining that I had not missed any payments and requesting clarification. Both letters were sent with a certified return receipt to ensure proof of delivery. Despite receiving my disputes, Credit Control , LLC increased the amount they claim I owe from approximately {$220.00} to {$1100.00} and removed my access to my online account so that I can no longer make payments toward the balance. I believe these actions may constitute improper debt collection practices, including misrepresentation of the amount of a debt and failure to properly investigate a written dispute. I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the dispute. Specifically, I am requesting that Credit Control , LLC : Provide a full accounting of the alleged missed payments and how the new balance of {$1100.00} was calculated. Correct the account if the information is inaccurate. Resolve the account and remove the improper balance that resulted from the alleged breach of the settlement agreement.

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 2026-03-12 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: United Revenue Corporation
State: TX

Complaint narrative:
WHAT HAPPENED? This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Target XXXX card was paid on XXXX XXXX which is the due date. Minimum payment was made of {$140.00} leaving me with a credit availability amount of {$87.00}. I went to Target to use card and it says contact card issuer. I called them XX/XX/year> and they lied about their being a hold on card but the payment from my bank has been made and my target XXXX card statement for the month even shows payment processed and I have an available balance to use. The rep lied and said again I dont have available credit then said it was my bank. They illegally are holding my funds until the XXXX according the rep which is unlawful. I should have fair use of my card. Target has wasted my time driving to their store for purchase because theyre holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Validation of Debt Request - MIDLAND CREDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/year> - Netspend charged me {$3.00} on 3 separate transactions at an XXXX ATM location which they stated is free withdrawal for ATM customers. This practice is deceptive and misleading. I tried to resolve this issue and have it escalated and was told they will have to investigate instead of just reversing the fees based on their policy. On top of these {$3.00} per withdrawal fees. I was also charged XXXX per transaction ( {$5.00} each withdrawal ) to include total of {$16.00} in fees. I would like this situation remedied as soon as possible and fees reimbursed

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I called this company many times to inform them this is not my account this is fraud but it still remains on my credit reports I want this fraudulent collections removed from my credit reports ASAP

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 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Caribou Financial, Inc.
State: TX

Complaint narrative:
Caribou offered a potential refinance of my XXXX XXXX XXXX. I put an application it and they brokered a refinance loan and subsequent approval through XXXX XXXX XXXX XXXX. The approval and new loan was approved around XX/XX/XXXX. Within the contract, they added several products tot he loan including two vehicle extended service warranties ( contract # XXXX and contract # XXXX ) through XXXX XXXX. I subsequently cancelled both contracts directly with XXXX between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX explained because those warranties were financed, the refund would go back to XXXX XXXX XXXX XXXX to offset the outstanding loan and I was supposed to contact Caribou as a status. I have called Caribou on multiple occasions between XX/XX/XXXX and today, XX/XX/XXXX. They can not provide verification of the cancelled contracts with XXXX XXXX nor can they validate any refund check to be sent to XXXX XXXX XXXX XXXX. I have also spoken with XXXX XXXX XXXX XXXX and they can not confirm any cancellation activity but they have confirmed as of today they have not been refunded any money. This has been 60 days after the cancellation confirmation was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
During my interaction with the debt collection agency, I experienced behavior that I believe contravenes the Fair Debt Collection Practices Act ( FDCPA ). The representative I spoke with exhibited inappropriate and threatening conduct by stating that they would pursue legal action against me for the alleged debt. This verbal intimidation created a sense of fear and XXXX regarding potential litigation. When I requested that the representative cease further phone communication, he responded dismissively, asserting that my request would not prevent them from contacting me from different phone numbers. This tactic felt harassing and left me feeling uncomfortable and uneasy throughout the conversation. Such behavior not only undermines my rights as a consumer but also constitutes harassment under the FDCPA, which prohibits debt collectors from employing threats, intimidation, or abusive language to coerce payment. I believe this conduct violates consumer protection laws designed to ensure fair treatment and preserve the dignity of individuals in financial distress. I respectfully request that this complaint be investigated thoroughly, as the actions of the agency 's representative have caused me significant distress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
XXXX XXXX called both my husband and me simultaneously and notified us that a document would be delivered to our home in XXXX XXXX concerning a debt that had not been paid. XXXX XXXX told me to call XXXX and use reference XXXX. I called XXXX XXXX. They knew my age, my name, and they knew the last XXXX numbers of my social security number. I did not give them any of that info. They told me that info. They said I took out over a {$2000.00} loan XXXX years ago from Title Max and never paid it back. They said I could call TitleMax and reference an account number that XXXX XXXX gave me. I called Title Max Fraud department. They do not have any loans with that account number. They do not have my name in their database. XXXX XXXX also left a voicemail. I believe this to be a fraudulent company and I am unsure as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
XX/XX/year> I sent the money amounting {$800.00}. But the Wester Union from XXXX said that Paid in Error when the receiver is trying to collect the money. XX/XX/year> the case was made and its under investigation. They promised to have answer after 20 days but until now its still under investigation. This money is so important that will be used for college tuition fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I have reached out to XXXX XXXX XXXX multiples at XXXX and number giving was invalid. i sent multiple emails regarding this account and emails are undeliverable and also sent a letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding this matter and still reach no validation. but this creditor updates status on my credit report every month. Please delete off my credit report or please provide accuracy.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
On XX/XX/year> relayfi placed a hold on my account to verify 2 wire deposits. We immediately provided documentation showing proof of funds and where they originated from. We requested an estimated timeline for funds to be released and be able to be used but the bank states they dont have a timeline nor a status for us. Upon reviewing there reviews I see this is a common practice for this bank to place holds and not give an exact reason or timeframe of when they will resolve. As a small business we cant afford to wait or have our funds be placed on hold and to be given no reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schrier, Tolin and Wagman, LLC
State: FL

Complaint narrative:
On XX/XX/scrub>, 2026, the debt collection firm Schrier , Tolin & Wagman, LLC ( representing XXXX XXXX XXXX ) issued a ledger card for Case No. XXXX showing a total due of {$1000.00} This amount is a false representation of the debt for the following reasons : Failure to Credit Payments : The firm has failed to account for a {$340.00} wage garnishment taken from my paycheck on XX/XX/scrub> 2026. My actual remaining balance is approximately {$720.00}, not the {$1000.00} they are claiming. My employer stated on the paystub that, with that payment of {$340.00}, the remaining balance is {$850.00}. This remaining balance doesn't match the ledger the firm sent me today : XX/XX/scrub> 2026. The firm says I have a remaining balance of XXXX without the {$340.00} payment. I am not receiving statements or any communication about my debt balance or payments. Nor a receipt of my payments. My evidence is the withdrawals from my account and my pay stub. Breach of Written Agreement : On XX/XX/scrub>, 2026, a collections manager (XX/XX/XXXX ) agreed in writing to stop the wage garnishment if I made a settlement payment in monthly installments. I made a {$200.00} payment on XX/XX/year>2026 ( XX/XX/XXXX XXXX ), yet the firm breached the agreement and continued the garnishment. Violation of Court Rules : The firm has failed to provide mandatory monthly accounting statements required by Maryland Rule XXXX (XX/XX/XXXX). I don't have any balances prior to the one I received today, and XXXX different people gave me XXXX different balances. My employer : {$850.00} ; by phone : {$1200.00} ; and the ledger today : {$1000.00}.

Company response to consumer: Closed with explanation