vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo for prematurely and wrongfully closing my merchant dispute ( Claim # XXXX ) regarding a {$300.00} security deposit withheld by " XXXX XXXX XXXX XXXX '' ( XXXX XXXX XXXX ). I rented a vehicle from XX/XX/2026, to XX/XX/2026. A {$300.00} security deposit was charged to my card ( ending in XXXX ). During the rental, on XX/XX/2026, the vehicle was struck while legally parked. I provided Wells Fargo with the official Florida Traffic Crash Report ( XXXX XXXX Report Number XXXX ) issued by the XXXX Police Department. The police report explicitly states that the other driver ( Vehicle 1, XXXX XXXX XXXX XXXX ) was 100 % AT FAULT and was cited for " Improper Backing '' ( Statute 316.1985 ( 1 ) ). The narrative clearly confirms my rental vehicle was parked and completely non-fault. The merchant has no contractual or legal right to retain my security deposit for damages caused entirely by a cited third party. Despite providing irrefutable official police documentation proving my non-fault status, Wells Fargo closed the case without reversing the charge. I request that Wells Fargo reopen this case and reverse this unauthorized {$300.00} charge.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
T his debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am going through a divorce and this is adding additional stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
A customer disputed their claim of XXXX $ through XXXX and XXXX completed their claim leading my account to be frozen. I sent XXXX all of the proof I had. I groomed dogs for XXXX XXXX through XXXX all of her 4 dogs and she wanted to pay through XXXX. I have texts of the dates she wanted her dogs groomed and how much. She even reached out to make sure nothing happened. I believe that XXXX didnt investigate thoroughly with us sellers because they said it wasnt protected even when I showed them proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Complaint DetailsIssue : Cardholder denied access to a credit line due to an unresolved account block following a legitimate purchase attempt and broken promises from customer service.What Happened : My Citibank credit card was abruptly locked while I was actively trying to make a purchase. Following this block, it took me 3 consecutive days of calling and waiting on hold just to finally get a representative from the fraud department on the phone.When I finally reached a representative, they thoroughly verified my identity, confirmed the transaction was legitimate, and explicitly stated that my card would be unlocked immediately.It has now been over 5 days since that verbal confirmation, and my card remains completely locked. Citibank is wrongfully denying me access to my line of credit despite my full cooperation and compliance with their identity verification process. Their internal systems or representatives have failed to execute the resolution they promised, leaving me stranded and unable to use my card.Desired Resolution : I want Citibank to immediately escalate this issue to a tier-2 supervisor or executive resolution team to manually purge the fraud block from my account, restore full access to my credit card line, and ensure my account status is updated to active without further phone delays.

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 2026-06-08 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: Westlake Services, LLC
State: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have a checking account tied to an overdraft account. I have records that I printed out and went over with my local banker at PNC. Since XX/XX/XXXX I have over drafted {$150.00}. The overdraft balance began at {$1000.00} and is now {$870.00}. To get the balance here I have been getting auto drafted from my checking account at nearly 25 % interest. I have paid {$640.00} since XX/XX/XXXX and still owe above balance XXXX meaning I would need to pay back XXXX of dollars to get this paid off in monthly fashion. I know its likely spelled out the terms of this account but I feel as a customer I am being gouged and taken advantage of having to pay this loan off. I emailed the local district director and asked if they could close out this balance and close this account at this point. I have emailed her back and forth on XXXX and twice on XX/XX/XXXX. I also spoke with someone on their escalations department about 5 times. I am told there is nothing they can do but pay the balance. I work in a field where I protect customers from being taken advantage of and this fits into this category. to get my account current for {$150.00} it does not make sense that I should have to continue paying this balance for several years at about {$25.00} per month and nearly all interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Debt Recovery Solutions, LLC
State: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding debt collector I.C. System, Inc. and an alleged debt they are attempting to collect on behalf of XXXX XXXX XXXX. On XX/XX/year>, I.C. System first contacted me by email regarding an alleged debt. The collection notice advised that disputes could be submitted electronically. On XX/XX/year>, I timely disputed the debt and requested validation pursuant to the Fair Debt Collection Practices Act. I disputed both the validity and amount of the debt and requested documentation supporting the debt, including any agreement, invoice, proof of services performed, documentation supporting additional collection charges, and proof of I.C. System 's authority to collect the account. My dispute was submitted within the validation period identified in the collector 's own email notice. I also expressly directed I.C. System to report the account as disputed in any communication with consumer reporting agencies. After receiving no response, I emailed I.C. System requesting confirmation that my dispute had been received. On XX/XX/year>, I.C. System responded only that it was " unable to communicate about a debt via email '' and did not address the substance of my dispute or provide any validation documentation. My concern is that I.C. System received my dispute but has failed to provide the requested validation information and may attempt to furnish information regarding this account to consumer reporting agencies without properly investigating the dispute or accurately reporting the account as disputed. I request that I.C. System : 1. Confirm receipt of my dispute ; 2. Provide complete validation of the alleged debt ; 3. Cease reporting the account to consumer reporting agencies unless it can be accurately verified ; Refrain from collecting any additional fees or charges not expressly authorized by contract or law. 4. Be permanently banned from posting anything to my credit report for their own failures. I am seeking documentation supporting the alleged debt and assurance that no inaccurate or incomplete information will be reported regarding this 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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XX/XX/year> {$48000.00} SoFi Issue : Unauthorized electronic fund transfers/ bank refusing reimbursement I was the victim of a remote access refund scam on XX/XX/year>, during which criminals accessed my SoFi account without authorization. The scammers : Gained remote access to my computer Logged into my SoFi account Transferred {$50000.00} from my savings to my checking account Directed me to complete wire transfers under false pretenses Told me I was refunding an error Manipulated me through deception and threats I did not authorize these transfers. I did not benefit from them. I was acting under fraudulent inducement, which is covered under Regulation E. SoFi denied my claim, stating there was no unauthorized access, despite the fact that the transfers were initiated by criminals who controlled my device and online banking session. I am requesting : A formal reinvestigation under Regulation E Reimbursement for the unauthorized transfers Review of SoFis fraud detection failures I am a senior citizen who lost {$50000.00} due to this crime. I am asking the CFPB to intervene so that SoFi complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Collection on account that was not mine. I stated identity theft and sent in identity theft form with Copy of ID and Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I paid and settled this account under the condition that XXXX would delete this account in its entirety from my credit report and to stop all negative credit reporting.

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 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
After receiving the statements of both checking and savings in my mailing address shows the account was closed 30 days after opening it at the end of XXXX XXXX and XXXX both showing closed. Why cant I get my money back I was informed by phone that they were closing it and would send me the money back in a form of a check to my mailing address. Almost 90 days now please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Dear OneMain Financial/BrightWay Customer Relations, I am writing to formally request the removal of a 30-day late payment that was reported on my account. I opened the account and shortly thereafter contacted your company to close it after discovering the annual fee. During my initial contact, I was informed that the fee issue would be addressed because I had not received or used the card. Based on those representations, I believed the matter was being handled appropriately. Over the following weeks, I made multiple phone calls to your company regarding the annual fee. Each time, I was advised that a ticket had been opened or that the matter was under review. Despite my repeated efforts to resolve the issue, no resolution was provided. Ultimately, I contacted your company again and paid the annual fee in full. I was extremely surprised to discover that a 30-day late payment had been reported to the credit bureaus. Had your company properly addressed the issue during any of my multiple contacts, this late payment would never have occurred. I acted in good faith throughout this process and made every reasonable effort to resolve the disputed fee before any delinquency occurred. The negative credit reporting resulted from the failure to properly resolve an issue that I repeatedly brought to your attention. I respectfully request that OneMain Financial conduct a thorough review of my account and remove the reported 30-day late payment from all credit reporting agencies as a goodwill adjustment and correction of this situation. I would appreciate a written response regarding the outcome of your investigation. Thank you for your time and attention. Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
So I filed a complaint against chime bank yesterday because of fraudulent charges that they denied paying me back. The reference number for that complaint is XXXX. This morning I received an email stating that chime is now closing my account tomorrow, giving me roughly 24 hours notice. I feel like this is anything but coincidence and do in fact consider it to be retaliation for my initial complaint. This is added distress to an already very upsetting situation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
Hello, Company : Bounce AI / Resolution Experts Collector : XXXX, Resolution Expert I am reporting this company for attempting to coerce me into providing my credit card information. I offered a lumpsum settlement and stated I would pay by money order or cashiers check for security. The collector refused to provide a written settlement unless I gave them a credit or debit card on file. They stated that the settlement would only be approved if I provided my card information, and that if I used a money order, I would be forced to pay the full balance instead of the agreed settlement amount. They also said that if I mailed a payment, it would be considered an unapproved payment, which is misleading and coercive. This appears to violate the FDCPA by : using unfair pressure to obtain my financial account information, refusing safe payment methods to force electronic access, misrepresenting the terms of settlement, and conditioning settlement approval on providing a credit card. I am requesting investigation and enforcement action. This is the email communication I have had with the company. Unfortunately, we won't be able to approve the settlement offer through check payments. The way the settlements work requires us to have a secure payment method on file. If you still wish to use a check, the only way to settle is by making a one-time payment in full. If you don't feel comfortable providing card information through email, you can contact us at XXXX. Here is the address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX if you still wish to send unapproved one-time payments to cover your balance of {$550.00}. Best Regards, XXXX Resolution Expert Bounce AI, Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am formally disputing an alleged debt being reported and/or collected by LVNV Funding LLC XXXX I have requested validation of the debt, proof of ownership, chain of assignment, a copy of the original signed agreement, and a complete accounting of the balance. LVNV Funding has failed to provide sufficient evidence that I legally owe this debt. I am requesting that LVNV Funding cease collection efforts and cease reporting this account until proper validation is provided. If the account can not be verified, I am requesting its deletion from all consumer reporting agencies and the cessation of all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XX/XX/year> the XXXX XXXX XXXX XXXX ( XXXX ) deposited our state tax refund of {$730.00} via XXXX into Wells Fargo account number XXXX. This account does not belong to us. The deposit was misdirected due to an incorrect account number entered by our XXXX XXXX. I contacted Wells Fargo by phone and visited my local branch. In both cases Wells Fargo refused to take any action, declined to initiate any retrieval process, and refused to provide the name or contact information of any XXXX or operations XXXX with authority to address the matter. The call center directed me to a complaints email address and offered nothing further. I am a Wells Fargo customer of approximately 40 years. Despite this long-standing relationship, Wells Fargo refused XXXX take any action, provide any assistance, or escalate the matter to anyone with authority to act. The funds are sitting in an account that does not belong to me, and Wells Fargo has refused to assist in their return despite being provided with the specific account number to which the funds were misdirected. The XXXX has confirmed the funds were sent and have not been returned. I have separately filed a formal retrieval request with the XXXX XXXX Rights XXXX. I am requesting that the CFPB require Wells Fargo to cooperate with the XXXX 's formal ACH retrieval request and return the misdirected funds.

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