vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: WY

Complaint narrative:
I am a joint borrower on a vehicle loan with Hyundai Capital America for a XXXX XXXX XXXX XXXX ( VIN XXXX ), financed in XX/XX/XXXX. I am disputing the accuracy of a deficiency balance of approximately {$26000.00} that Hyundai Capital America is reporting on my credit file in connection with this account. I am a joint account holder on this loan. As a joint debtor, I have independent rights under Maryland Commercial Law XXXX to receive notice of disposition of the collateral, notice of my right to redeem, and an accounting of any sale. The vehicle was left at a XXXX dealership in XXXX, Maryland in approximately XX/XX/XXXX. No voluntary surrender or repossession authorization was signed by me or any account holder. Hyundai Capital America subsequently took possession of the vehicle and disposed of it at auction, reporting a deficiency balance of approximately {$26000.00}. My dispute concerns the following : I never signed any document authorizing Hyundai Capital America to take possession of or dispose of the vehicle. I did not receive a Notice of Disposition ( Notice of Sale of Vehicle ) as required under Maryland Commercial Law XXXX and the Maryland Credit Grantor Closed End Credit provisions XXXXXX/XX/XXXX ) prior to the disposition of the collateral. As a joint debtor, I was entitled to independent notice. I received none. The disposition of the collateral proceeded without proper notice to me of the sale, my right to redeem the collateral, or an accounting, in violation of my rights as a joint account holder under Maryland law. I am requesting that Hyundai Capital America provide : A copy of any signed voluntary surrender or repossession authorization bearing my signature. A copy of the Notice of Disposition / Notice of Sale of Vehicle sent to me as a joint debtor prior to the auction, including the specific address it was sent to and proof of mailing. An itemized accounting of the auction sale, including the sale price, all fees and charges applied, and the calculation of the deficiency balance. Documentation that the disposition was conducted in a commercially reasonable manner as required under Maryland Commercial Law XXXX. Under Maryland law, a secured party 's failure to provide proper notice of disposition to each debtor affects its right to collect a deficiency. A deficiency that is not legally substantiated as to me can not be accurately reported as an owed debt on my credit file. If Hyundai Capital America can not substantiate compliance with Maryland notice and disposition requirements as to me as a joint debtor, I request that the tradeline be deleted from all XX/XX/XXXX credit bureau reports.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have deposited XXXX mobile deposits on XX/XX/year>, in the amounts of : {$1800.00} & XXXX. A notice explaining the hold was issued on XX/XX/year>. My account is over XXXX months old but they still decided to hold my XXXX deposits that were issued from former employer for a XXXX settlement issue. I am XXXX and need access to this money now. PNC has stated that, it looks like the hold will be released sometime after business hours on XX/XX/year>, unless an extension of this hold is warranted. I believe this issue is due to racism, XXXX and discrimination towards me. It is unfair. They are financially treating me unfairly and holding my money for XXXX whole freaking days. DO not deposits your checks with PNC. They will hold your funds for 10 days or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MT

Complaint narrative:
On XX/XX/year>, I purchased a Groupon for bowling. The fine print stated no reservations could be made and there was no age restrictions. I called the bowling alley on XX/XX/XXXX as the XXXX instructions stated to assure they would have openings. At the time I was told it was for XXXX only, and my children could not attend. I contacted XXXX to receive a credit or refund but was denied with the reasoning that the bowling alley requires reservations to attend, directly conflicting the fine print on the XXXX. So I immediately disputed this charge with Cash App. Approximately XXXX weeks ago, I contacted XXXX XXXX again, and Cash App got updates. XXXX stated in my messages to me that the XXXX was misleading and I should have received a refund. After this interaction I contacted Cash App and requested that I can submit these screenshots to my dispute but was told that I can not add further documents while theyre investigating ( I have screenshots of this as well ) and that I need to keep waiting. Today is day XXXX and the dispute update hasnt changed in that time, and still states that I should receive an answer within XXXX days. I contacted Cash App again today, XX/XX/year> for an update and was given a generalized statement that the dispute could take up to XXXX days, and then later that he was sorry they denied my dispute and I dont agree and hes ending the conversation. So my request on the dispute investigation documents was denied and my dispute was denied without any notice or justification provided. This was an open and shut dispute with the accusing party admitting to the mistake. Im requesting that an investigation take place into their dispute process, and to make sure that they are following the laws. I would really appreciate receiving a refund too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello. Update on complaint number XXXX. I sent a letter on XX/XX/XXXX to close the account due to lack of trust in the bank. " Amex received my closure letter on XX/XX/XXXX at XXXX pm for the XXXX card but has not closed it to date. This card is still active. Please close it now and report to the credit bureaus and inform them that I requested to close the account due to lack of trust. Attached are the following : XXXX. The letter I sent to the company about closing my card. XXXX. Screenshot showing I stand at a {$0.00} balance on said card. XXXX. Confirmation that the letter was sent on XX/XX/XXXX XXXX. Confirmation that the letter arrived on XX/XX/XXXX at XXXX AM Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am formally submitting this complaint regarding the unacceptable handling of my escrow refund by Select Portfolio Servicing ( SPS ). My home sale closed on XX/XX/year>, and the mortgage with SPS was paid in full at closing. Following payoff, SPS advised that my escrow refund in the amount of {$10000.00} would be mailed within approximately XXXX days. Since then, I have repeatedly contacted SPS regarding the status of my escrow funds and have received nothing but delays, misinformation, and empty promises. Timeline of communication : XX/XX/year> Contacted SPS and was told the check would be mailed. XX/XX/year> Followed up again and received the same response. XX/XX/year> Contacted SPS once more and was again assured the check would be sent. SPS later claimed the original check had been mailed to the wrong address. After filing a complaint with the Better Business Bureau, SPS responded stating that a new check would be mailed on XX/XX/year>. As of today, I still have not received my escrow refund. This situation has caused extreme frustration and unnecessary stress. There is no reasonable justification for withholding escrow funds for this length of time after a mortgage payoff. I have made multiple documented attempts to resolve this matter directly with SPS, yet no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX i completed an international transfer around XXXX for {$10000.00}. On XX/XX/XXXX the funds left my account and i got a confirmation email that the funds should reach the recipient once the financial institution accepts the transaction. i did the wire myself through the PNC online wire services. Intended recipient was in the XXXX XXXX. Then a few days later i received a notification that the wire transaction has been rejected. due to Account number of recipient does I was then told by my local PNC branch that that it will take about 6-9 business days to get the funds back to my account, but that didnt happen. then i was told by a live agent that at the local branch again after they called into PNC that the funds should be back in my account on XXXX XXXX, that also was not the case. After many call efforts into the international wire transfer department for PNC i was then told that it will take up to 90 days for the funds to come back and that there is only one way pnc can request the funds back is through a chaser messaging system and that there is no way for them to reach to the bank they claim have the funds ( which will be XXXX XXXX ) i was told that information by a PNC Rep. i have since spoke to many reps including a supervisor name XXXX XXXX. where they continue to tell my that after 90 days there is nothing further they can do and i could loose all the XXXX funds i tried wiring. i myself have called XXXX XXXX and i was told my bank have to showcase a bit more urgency to see if they can expedite the process and also PNC can all them but PNC refuses to do all they can do to make sure i get these funds back. I have been a 10 year plus customer with multiple accounts and the best they can say is nothing we can do and you can loose the the funds is unacceptable. XXXX XXXX if said if PNC calls they might offer some further information that they might be willing to give to me because i am not their customer. There is a paper trail- we have confirmation code, Tracking number, name of client, address, obviously i am the sender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am filing a follow-up complaint against SoFi Invest regarding misleading conduct and what I believe to be retaliatory behavior after I attempted to exercise my rights as an account holder. Background : I previously filed a complaint regarding SoFi blocking access to my IRA funds citing a future closure fee I have not incurred. After being unable to withdraw directly, I initiated a transfer to XXXX XXXX as my only available option. When I decided to cancel that transfer, SoFi 's conduct became obstructive : XXXX. MISLEADING INFORMATION : XXXX agent told me there was only XXXX transfer request on file when I had initiated transfers for both my Traditional IRA and Roth IRA. This caused confusion and delayed the cancellation process. XXXX. EVASIVE CONDUCT : When connected to agent XXXX, he asked me what I wanted cancelled despite having full access to the prior chat history, forcing me to re-explain the situation multiple times across multiple agents. XXXX. OBSTRUCTION : I was initially told the cancellation could not be guaranteed and was on a " best efforts basis '' only creating uncertainty about whether I could even cancel a transfer I did not want to proceed with. XXXX. PATTERN OF CONDUCT : Across multiple interactions today, I was passed between agents who each claimed limited knowledge of my situation, forcing repeated explanations and delaying resolution of a simple cancellation request. This pattern of conduct blocking withdrawals, charging prohibitive transfer fees, and then making cancellation of an unwanted transfer unnecessarily difficult appears designed to wear down the customer and force compliance with unfavorable outcomes. I have full chat transcripts documenting all of the above and am requesting the CFPB investigate SoFi 's customer service practices as they relate to IRA account holders attempting to access or move their own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NV

Complaint narrative:
Subject : Formal Complaint Unfair Debt Collection and Billing Dispute To Whom It May Concern, I am filing a formal complaint regarding unfair billing practices and abusive debt collection activity. * * My Information : * * Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX * * Companies Involved : * * Original Service Provider : XXXX Collection Agency : TrueAccord * * Details of Complaint : * * I was previously subscribed to web hosting services with XXXX. Upon learning that the renewal fee for their service was approximately {$170.00} for a full year, I made a decision not to continue with their services due to the high cost. Instead, I chose to purchase similar services elsewhere at a lower price. Despite discontinuing use of XXXX services, I have been contacted and pressured to pay for a full-year renewal that I did not intend to continue and did not use. I did not knowingly agree to any renewal under these terms. Recently, I received communication from TrueAccord, a collection agency, attempting to collect this disputed amount along with additional fees. The communications have been persistent and feel threatening in nature. * * Issues Identified : * * * Attempt to collect payment for services not used * Lack of clear authorization or consent for renewal charges * Escalation to a third-party collection agency on a disputed charge * Harassing or intimidating collection communications * * Timeline : * * * [ XXXX ] Notified of renewal pricing ( ~ {$170.00} ) * [ XXXX ] Decided not to continue and obtained alternative service * [ XXXX ] Began receiving payment demands from XXXX * [ XX/XX/XXXX ] Contacted by TrueAccord for collection * * Resolution Requested : * * I respectfully request the following : 1. Immediate cessation of all collection efforts related to this disputed charge 2. Formal validation of the alleged debt 3. Removal of any fees or charges not explicitly authorized 4. Confirmation that no negative credit reporting will occur regarding this matter 5. Investigation into the billing and collection practices involved I believe this situation may violate the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. I affirm that the information provided is accurate to the best of my knowledge. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, My name is XXXX XXXX and my last 4 digit of my Citi bank card is XXXX Some time last week, I made a wire transfer of {$1900.00} to my XXXX account on the XX/XX/year> to purchase stock/crypto, and everything seemed fine at first. Later that same day, I received a voicemail stating that my account had been suspended due to suspected fraudulent activity. I was very concerned, so I immediately called customer service. During the call, I answered all the security questions and confirmed that I personally authorized the transaction. I also provided every document and requirement requested. Later that same day, my online access was blocked, so I called again, went through security verification once more, and was then told they could not verify me online. After several more calls, I was advised to wait for a reference letter. I received the letter on XX/XX/year>. Four days later, I called again, provided the reference number, answered all the security questions again, and was told to wait another XXXX hours while they reviewed my account. When I called back on Monday for an update, I was informed that my account was still under review. Then I received another letter on XX/XX/year>. I called again, completed the same verification process, and this time a representative informed me that I may have to wait 3060 days. In addition, I recently transferred money via ACH from my XXXX XXXX account to my Citi account because I intended to continue banking with Citi. The funds have already left my XXXX XXXX account, but now all of my money is being held and I have no access to it. I urgently need access to my funds, or for the money to be returned to me immediately. If Citi no longer wants to maintain my account, then please allow me to withdraw my funds and close the account. Holding my money for 3060 days when I have done nothing wrong is extremely unfair and has caused serious hardship for me and my family.i have reported it to the Citi bank XXXX unit Citi XXXX 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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My friend sent me XXXX $ due to me winning a bet we had made together and he sent me money but with another world country flag, and so cashapp flagged it thinking we were somehow associated with another country. We both have tried emailing and calling, weve also tried the customer support they have in the app. Its been since XX/XX/XXXX the money has been sent an it still says pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN. Please Provide me Debt Validation letter for this on going Case in NJ. I am attaching the Court Complaint Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CA

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