vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
I am disputing a debt that is currently being collected and originated from XXXX XXXX. On or about XX/XX/year>, I transferred my mobile lines from XXXX to another carrier, which terminated my XXXX service. Immediately after the transfer, XXXX blocked my access to my account, preventing me from viewing my final bill, account balance, or any itemized charges. Despite my service being terminated and my inability to access my account, XXXX continued to bill me and accumulated nearly {$1000.00} in charges. These charges include amounts incurred after my lines were ported out and service was no longer active. I attempted to access my account and obtain billing information but was unable to do so due to XXXX restricting access. As a result, I was not provided a reasonable opportunity to review or dispute the charges before the account was sent to collections. I dispute the validity of this debt, including all charges incurred after the date my service was terminated, as well as any late fees resulting from being denied access to my account. I am requesting full validation of the debt, including a complete itemized statement with dates of service, and documentation supporting the charges. I also request that any invalid charges be removed, the account be recalled from collections, and any negative credit reporting be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX I applied for a Citibank checking account and was approved. However, once I did a ach deposit to both of my checking and savings account I have not received my debit card to access my funds and when I called to ask for a debit card to be sent out they said I needed to do a security verification by sending me a one time passcode to my phone number, but everytime they try and send the code their system doesnt allow them to send me one which causes my account to remain restricted. They keep telling me that my phone number doesnt register back to my name a which is false because Ive had this phone number for 10 plus years. If I cant get the code my account remains restricted and I cant have access to my account. Even when I requested to close my account they still wont close it even after Im requesting to close because they want to verify me by sending the one time passcode, so now {$20000.00} is being held hostage because XXXX verification system doesnt allow one time passcodes to be sent to your phone. This has been an ongoing issue amongst millions of customers and a resolution has yet to be resolve and isnt giving me a resolution as to how to release my funds. Im requesting that Citibank to release my funds or close my account and send me a cashiers check with the available funds in my account.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute by Capital One. On XX/XX/XXXX, I paid {$2800.00} to XXXX using my Capital One XXXX credit card for a vacation rental in XXXX ( stay dates : XXXX XXXX XXXX, XXXX ). The booking was arranged directly with the merchant via XXXX. No written contract or cancellation policy was ever provided. On XX/XX/XXXX, I contacted the merchant to cancel the reservation and requested the cancellation policy. The merchant confirmed that no cancellation policy exists and refused a refund. I filed two disputes with Capital One for charges from this same merchant : * One dispute ( for an additional night ) was resolved in my favor. * The second dispute for {$2800.00} was decided in favor of the merchant. Both disputes involved the same merchant, same property, and same circumstances. Capital One has not provided a clear explanation for the inconsistent outcomes. The merchants only evidence was a screenshot of our XXXX conversation, which confirms there was no cancellation policy provided. The merchant also cited a XXXX lease law that does not apply to short-term vacation rentals and does not override credit card consumer protections. Additionally, I later obtained documentation from the condominium association confirming that the poolan advertised and primary amenity of this propertywill be closed for construction during my reserved stay. The unit is located directly adjacent to the pool, and this significantly impacts the value, safety, and usability of the rental. This material change was not disclosed at the time of booking. I submitted this new evidence to Capital One, but they refused to reopen or reconsider the dispute, stating that additional documentation would not change the outcome. I believe Capital One failed to conduct a reasonable investigation, ignored material evidence, and applied inconsistent standards in resolving disputes for identical transactions. I am requesting : 1. Reopening of the dispute investigation 2. Consideration of the new evidence regarding the pool closure 3. A full refund of {$2800.00} I have documentation to support all of the above, including transaction records, correspondence with the merchant, and confirmation of the pool closure from the condominium association.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A Capital One XXXX card was opened under my name on XX/XX/year> that I have no knowledge of. I do not have any capital one accounts and do not know how this could have happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Issue : Mortgage Escrow, taxes, and insurance Escrow refund not received Company : PNC Bank Account/Loan # : XXXX Narrative : I am filing a complaint regarding the failure of PNC Bank to disburse my escrow refund in a timely and reliable manner. My mortgage loan ( Loan # XXXX ) was closed/paid off on XX/XX/year>. I have made multiple attempts to obtain my escrow refund, but have not received the funds. After repeated calls, I was informed that the escrow refund check was issued on XX/XX/year>. As of today, I have not received the check. PNC Bank has attributed the delay to a mail issue and has instructed me to continue waiting. This response is unacceptable. These funds are owed to me, and it is the responsibility of PNC Bank to ensure proper delivery. Simply stating that the check may be lost in the mail without taking corrective action does not meet their obligations. Despite multiple requests, PNC Bank has not : Provided adequate proof of mailing or delivery Offered to stop payment and reissue the check promptly Provided an alternative method of payment such as overnight delivery or electronic transfer This matter is now at or beyond the expected timeframe for escrow refund disbursement following loan payoff under federal servicing regulations. I am requesting the following resolution : Immediate stop payment on the original check Immediate reissuance of the escrow refund Delivery via overnight mail or electronic transfer Written confirmation of the refund amount and payment details This delay is unreasonable and has persisted despite multiple attempts to resolve it directly with PNC Bank. I am requesting prompt intervention and resolution. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: GA

Complaint narrative:
I booked a room at XXXX XXXX online but then I paid for the room via XXXX because I found the rate was {$20.00} cheaper through XXXX I cancelled the booking through XXXX XXXX at check in since I paid thru XXXX. The front desk told me they canceled the reservation and I checked in accordingly. That night when they ran night audit at midnight, XXXX XXXX charged my card for the previous booking because they did not cancel it properly in the system. XXXX issued a cancellation letter explaining the charges were going to be reversed back to my PayPal debit card ending in XXXX. I contacted PayPal explain the situation and created a dispute via phone. call to a CSR who documented the case as item not received. This was the incorrect case type, which then turns into an additional two week waiting period for me to receive my provisional credit. PayPal has all of the necessary documents from the hotel showing, I am doing a credit or a refund and is refusing to honor their 10 day provisional credit terms. Now I am being forced to wait another 14 days before they will issue a provisional credit and it should not fall on me as the customer since PayPal made the mistake in the beginning by filing it as a wrong case type. I would like to see PayPal issue the provisional credit as I am doing one and not have to wait until mid XXXX to get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CO

Complaint narrative:
In XX/XX/XXXX, I learned I owed XXXX XXXX XXXX {$8500.00} from XXXX and the debt had been taken over by Hunter Warfield. XXXX XXXX XXXX never sent me an eviction or collection notice, and there was never any collections action on my credit report from them. Then in XX/XX/XXXX, a debt from Hunter-Warfield simply appeared on my credit report with no explanation. In XX/XX/XXXX, I learned I could not sign a lease for a new apartment because of a charge off from Hunter Warfield who now listed XXXX XXXX XXXX as then original lender, though they previously had kept the origin of the debt hidden. Hunter Warfield placed a collection on my credit report without providing the required 1692g validation notice, depriving me of my right to dispute the debt before it damaged my credit and my material safety since I cant qualify for a home for my family. I have reviewed my original lease agreement with XXXX XXXX XXXX, and there is a documentation discrepancy in that their online portal entries for additional charges and late fees lack timestamps, so it can not be proven that I was given notice of additional junk fees in a timely manner, which I was not. Under 15 U.S.C. 1692g ( b ), XXXX XXXX XXXX, Hunter Warfield, and any new parties who may own this debt must cease all collection activity, including reporting this to credit bureaus, and delete all charge offs until and unless they have each mailed me verification of a 1692g validation notice and time stamped proof of late fees with XXXX. This is not an admission of liability or a promise to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am filing this complaint against IC System for failure to comply with federal consumer protection laws. I have repeatedly requested proper validation of this alleged debt ; however, the company has failed to provide sufficient documentation and continues to send only an invoice, which does not meet the legal requirements for validation. An invoice alone does not prove that I am legally obligated for the debt or that the collector has the right to collect it. Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, all information furnished to consumer reporting agencies must be accurate and verifiable. Additionally, under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am entitled to proper validation of the debt. Despite my repeated efforts, this account remains unverified and continues to be reported and/or collected. Due to these violations, I have filed complaints with the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX ( XXXX ), and have also sought guidance from a consumer attorney.

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 2026-04-30 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: CA

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a veteran and a long-standing member of Navy Federal Credit Union XXXX I am filing this complaint because Navy Federal is refusing to investigate a clear case of merchant fraud, incorrectly claiming that their 'terms and conditions ' override XXXX Network Dispute Rules. On XX/XX/year>, I paid {$85.00} to a merchant named 'Worst Case ' ( Order # XXXX ). The merchant never shipped the items and has ignored five follow-up emails. Furthermore, the merchant has compromised their website ; attempting to view my order details now triggers a suspicious file download instead of a receipt. I spoke with a Navy Federal supervisor today who claimed the dispute window is 120 days from the order date. This is factually incorrect under Visa Reason Code 13.1 ( Merchandise Not Received ), wh ich allows for 120 days from the latest expected delivery date. Since no delivery date was ever provided and no goods were shipped, the window is still open. Navy Federal is failing to protect me as a member from a merchant that the XXXX has flagged for identical scams. I am requesting a full refund of {$85.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This additional information about the mismanagement of our home loan. XXXX Wells Fargo Home Mortgage Willfully maliciousness mismanaged our home mortgage ( Loan # XXXX ) In XX/XX/year>, During the XXXX pandemic, I chose to use The Cares Act ( Loan Forbearance on my mortgage, which is owned by Fannie Mae and Serviced through Wells Fargo home Mortgage, upon entering the forbearance program, since my mortgage was owned by Fannie Mae , I chose to use the Deferred to end of mortgage for repayments on the loan for missed payments, But Wells Fargo Employees contacted me and my XXXX on numerous occasions stating that we must make the past payment in full or be foreclosed on our loan, they even sent us a letter demanding the full payment of the loan as well as filling foreclosure onto my home, which we had to hire an attorney and paid {$2500.00} dollars to fight the foreclosure. I had reported to the following agencies that Wells Fargo was Willfully maliciously mismanaging our home loan sent along with my complaints copies of the policy on handling Fannie Mae Home Loans. with no results or help with Wells Fargo, Complaints were file with : Wells Fargo Home Corporate Office, Consumer Financial Protection Bureau. On XXXX, after being contacted by Wells Fargo Home Mortgage stating could not confirm any of my claims. I have attached copies of the documents to confirm our concerns about our Mortgage being mismanaged. Topics being attached : The following concerns were reported to the agencies : 1 ) Falseness foreclosure lawsuit case # XXXX ( Dismissed ) 2 ) Wells Fargo Home Mortgage approval for payment deferral letter with details about missed payments put at end of loan with any other payments. 3 ) Letter sent to Wells Fargo Home Mortgage for all payments to be put towards Mortgage loan Only XXXX. 4 ) FHFA Extends COVID-18 Forbearance Period information form.02-25-2021 5 ) Wells Fargo Home Mortgage letter date XXXX stating mismanaged our escrow, but sent a ridiculous / malicious check # XXXX on XXXX for an XXXX XXXX as a settlement, which was rejected and returned.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I disputed an alleged credit card debt with Cavalry Portfolio Services , LLC and requested validation of the debt. Specifically, I requested documentation showing account ownership, account-level assignment to me, a signed agreement, and a complete accounting of the balance. The company responded by providing generic documents, including account statements and a bill of sale. However, these documents do not adequately validate the debt. The bill of sale does not identify me specifically, nor does it show a clear chain of title linking the account to me. Additionally, no signed agreement or contract bearing my signature was provided. Despite my request for proper validation, the company continues to attempt to collect the debt and report it on my credit file without providing sufficient evidence that I am legally obligated for this account. I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the company has failed to properly validate the debt before continuing collection activity and credit reporting. I am requesting that the company either provide proper validation of the debt or cease collection efforts and remove any related negative reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/year> - XX/XX/year> I fell victim to a sophisticated phishing and overpayment scam that started with a deceptive email. Someone impersonating a school official used a spoofed .edu address to lead me to a XXXX XXXX, where I entered my name, date of birth, and phone number. Shortly after, the scammers texted me with a fake job offer and sent a {$700.00} check to my email. I deposited the check, and while the funds appeared in my account, they immediately asked me to send that money back to them to pay for " work supplies. '' I eventually realized at school that this was a total scam and that the check was fraudulent. Now, I am focused on holding these people accountable and protecting my accounts from further harm. My bank ( PNC ) hasn't been much help even though im a XXXX who wasn't warned or the dangers of using zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Discover refuses to review the image of a check they have on file for mobile deposit to confirm my check was not " stale dated '' as they insist. They insist I mail a check to them. This is the second time in a month they have done this. My previous check I had to have reissued. I worked previously for Discover and know for a fact images of checks can be easily reviewed. This seems to be a huge system flaw to inconvenience customers intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I disputed an alleged credit card debt with XXXX XXXX XXXX XXXX XXXX and requested validation of the debt. Specifically, I requested documentation showing account ownership, account-level assignment to me, a signed agreement, and a complete accounting of the balance. The company responded by providing generic documents, including account statements and a bill of sale. However, these documents do not adequately validate the debt. The bill of sale does not identify me specifically, nor does it show a clear chain of title linking the account to me. Additionally, no signed agreement or contract bearing my signature was provided. Despite my request for proper validation, the company continues to attempt to collect the debt and report it on my credit file without providing sufficient evidence that I am legally obligated for this account. I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the company has failed to properly validate the debt before continuing collection activity and credit reporting. I am requesting that the company either provide proper validation of the debt or cease collection efforts and remove any related negative reporting from my credit 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