vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
The company is Ally XXXX. Company employee contacted me today XXXX XXXX I returned the call and spoke with XXXX who began to threaten to sue me for a debt I told him didnt belong to me. I didnt have a drivers license yet someone obtained an auto loan in my name. He threatened to garnish wages, intercept tax refund, and charge my charge my credit card. Talked about me being on XXXX, stated my social security number and address and said he knows exactly who I am.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a chase sapphire reserve card. As part of the benefits for the card, I am to receive a {$300.00} dining credit at select participating restaurants. I booked and dined on XX/XX/XXXX at a participating merchant per the selections shown on their XXXX link. Soon after the my dining I called chase to inquire about the credit. The person helping at the time checked that my claim was valid and the restaurant was listed as a participating location. A couple of weeks later I called back and was told that the issue would be escalated and again, the person helping verified that I had called earlier and the restaurant was listed in the website as a participating location. I was told at the time that the merchant may have miscoded the transaction and to call back after a week. I called today XX/XX/XXXX and now am told that the credit can not be issued because the restaurant is not part of the participating locations. As of XX/XX/XXXX, I do not see the restaurant listed in the website as a participating location but I printed the webpage on XX/XX/XXXX when I called in case some scam like this was to occur. I have attached the printout, the restaurant I visited was XXXX. Please help me correct this for myself and any other person going through the same issue with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint regarding unresolved international wire transfer. My name is XXXX XXXX and I am a Bank of America customer. On XX/XX/XXXX, I sent an international wire transfer from my account to a beneficiary bank in XXXX. After the transfer was sent, I discovered that the beneficiary account had already been closed. According to international banking procedures, the funds should have been automatically rejected by the receiving bank and returned through the XXXX network. However, several months have passed and the funds have not been returned to my account. Bank of America has not provided clear documentation showing the status or location of the funds. I have been repeatedly told that the issue depends on communication between banks, but no formal resolution has been provided. As the originating bank, Bank of America is responsible for initiating and completing a XXXX investigation with any intermediary and receiving banks involved in the transaction. I am requesting that Bank of America provide : A full XXXX trace of the transaction A copy of the XXXX XXXX message for the wire transfer Confirmation that XXXX investigation messages were sent to intermediary and receiving banks Confirmation that a recall request was initiated to return the funds Written clarification identifying the intermediary bank and the current location of the funds I am requesting regulatory assistance to ensure Bank of America properly investigates this transaction and facilitates the return of my 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
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bridge IT, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding ongoing unauthorized ACH debit charges of {$8.00} being withdrawn from my XXXX XXXX XXXX XXXX account by Brigit Inc. without my authorization. I previously had an account with Brigit but requested that my account be deleted. After my deletion request, the XXXX debits stopped for approximately one year. They have since resumed without my consent, re-authorization, or any new agreement on my part. I have made repeated attempts to contact Brigit Inc. to resolve this matter. They do not provide access to a live customer service representative, do not return voicemails, and have no reachable point of contact. I am completely unable to access the Brigit app, my former account, or any customer portal. I have received no response to any of my attempts to communicate with the company. My bank, XXXX XXXX XXXX XXXX, placed an ACH block on Brigit transactions ; however, the block expired after XXXX year and Brigit resumed debiting my account. I am now receiving pushback from my bank as well, leaving me with no recourse from either the company or my financial institution. To summarize the key facts : I requested deletion of my Brigit account and was told it was closed ACH debits stopped for approximately one year, then resumed without my re-authorization I have never agreed to reinstate any subscription or service with Brigit Brigit charges {$8.00} per transaction and has done so for multiple years without authorization I can not reach any live person at Brigit and have never received a callback I can not access the app, my former account, or any account information I do not have a current account number because I do not have an active account I am requesting that the CFPB require Brigit Inc. to : Immediately and permanently cease all ACH debit transactions against my account Provide a full refund of all unauthorized {$8.00} charges for every year they have debited my account without authorization Confirm in writing that my account has been permanently deleted Be held accountable for their practice of resuming charges after account deletion requests

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I am filing a complaint regarding an incorrect debt related to my T-Mobile account that has been sent to collections by Southwest Credit Systems XXXX On XX/XX/XXXX, I contacted XXXX and requested that my service be suspended because I was leaving the United States XXXX Despite this request, charges continued to accumulate. On XX/XX/XXXX, when I returned, I received a bill of approximately {$400.00}. A T-Mobile representative told me that if I paid {$200.00}, my service would be restored. I paid the {$200.00} as instructed. On XX/XX/XXXX, I transferred ( ported ) my phone number to another carrier ( XXXX XXXX ), which effectively ended my service with XXXX On XX/XX/XXXX, I received a message from the collection agency Southwest Credit Systems claiming that I owe {$760.00} for this account. I dispute this debt because it was assessed incorrectly and I am not responsible for this amount. I have contacted XXXX multiple times by phone and also visited a XXXX store in person to resolve the issue. I requested full billing statements, account history, and an explanation of the charges, but the company has not provided this information. I am requesting : XXXX. A full investigation of the billing on my account. XXXX. Correction or removal of the incorrect charges. XXXX. Recall of the account from the collection agency. XXXX. Written confirmation that the issue has been resolved and that no negative credit reporting will occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was in the grocery store and made a purchase with my charm debit card after I made the purchase. I put my phone in my pocket because I made the purchase using my phone once I put my phone back in my pocket a couple of minutes later, I was purchasing a metal chime credit card that costed {$54.00}. I called Chime customer service and told them that I didnt make the purchase when I was using the app it somehow made the purchase for me. He said they cant refund me the money then I asked to speak to a supervisor and they said they cant refund me the money because theyre already making the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX my Chime Account was hacked into an my SSDI of {$1100.00} was stolen there were also other unauthorized transactions. At the end of XXXX same thing this time {$1100.00} was taken and again various unauthorized transactions. On XX/XX/year> a loan of {$300.00} was made that I did not authorize. On or before XX/XX/XXXX again same amount {$1100.00} was taken. Each time I had to replace my cards and my login information and add XXXX step verification. I have spoken to at least XXXX representatives. XXXX were in the XXXX Department and each time they went into my account they blocked several devices except the last one did not tell me how many because they do not keep records. I did speak to an XXXX XXXX who got hostile and ended the conversation by hanging up on me. Apparently according to XXXX representative there is no actual investigation but someone just looks at a computer screen. The individuals the money was sent to I do not know and at the time of the initial complaint their accounts either should have been frozen or closed for terms of service violations. Chimes investigation was dismissive and they allowed XXXX XXXX XXXX to be committed against XXXX of their members. This situation has caused me to be emotionally, mentally and physically violated and has already added to my current mental health issues. This also has caused me to be in extreme financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bell Global Services LLC
State: GA

Complaint narrative:
Multiple calls AND voicemails daily, multiple emails and texts. Voicemails tell me to seek legal counsel which threatens lawsuit. Multiple attempts at charging my card without permission.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, I attempted to pay off my Capital One XXXX card balance of approximately {$18000.00} through the Capital One mobile app. During the payment process, I selected my correct bank account and chose " today '' as the payment date. However, the Capital One app has a known UI bug : after selecting the payment date, the app reverts to the first bank account on file rather than the account I had selected in the previous step. This caused the payment to be drawn from an account with insufficient funds. On XX/XX/XXXX, I received a notification from my bank about insufficient funds. I immediately called Capital One to explain the situation. The representative noted my account and confirmed that my payment was not due until XX/XX/XXXX, so there was no issue. On XX/XX/XXXX, as soon as the returned payment was reflected in my account, I resubmitted the full {$18000.00} payment from the correct bank account. The payment cleared on XX/XX/XXXX XXXX days before the due date. Despite this, on XX/XX/XXXX, Capital One closed all XXXX of my credit card accounts : Venture ( ending XXXX ), XXXX ( ending XXXX ), Savor ( ending XXXX ), and XXXX XXXX ( ending XXXX ). The closure letter cited " activity inconsistent with typical customer account usage. '' I have been a Capital One customer for XXXX XXXX. I had just paid off approximately {$25000.00} across all XXXX cards, plus a {$46000.00} auto loan. All accounts were at a XXXX balance at the time of closure. Capital One cited that I have had XXXX returned payments over my XXXX history. XXXX of those returned payments in XXXX were caused by this same app bug, which I reported to both the XXXX XXXX XXXX and Capital One directly. The bug is still present and easily reproducible : the app resets the selected bank account to the first account on file after the user selects a payment date. I called Capital One multiple times, including speaking with a third-level supervisor on XX/XX/XXXX. I was told the decision was final and could not be reversed, despite the fact that : The returned payment was caused by a documented bug in Capital One 's own app I proactively called Capital One the same day I was notified I resubmitted payment immediately and it cleared before the due date All accounts were at XXXX balance I had just paid off over {$70000.00} in Capital One debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
You will find my XXXX XXXX bank statement for the month of XX/XX/year>, along with the statement from Truist bank, attached to this complain. To summarize, this concerns my auto loan payment to Truist for XX/XX/year>. There is a discrepancy between Truists internal loan records and the actual settlement activity shown on my bank statement. On XX/XX/year>, Truist withdrew my regular monthly auto loan payment twice from my XXXX XXXX checking account in the amount of {$880.00} each, for a total of {$1700.00}. Both withdrawals were successfully posted. On XX/XX/year>, Truist issued XXXX reversal in the amount of {$880.00}, effective XX/XX/XXXX. No second reversal was issued. As a result, the net effect for XXXX reflects XXXX {$880.00} payment made to Truist, which corresponds exactly to my regular monthly payment. My attached Capital XXXX XXXX bank statement clearly shows : - XXXX Truist debits on XX/XX/XXXX - XXXX Truist reversal on XX/XX/XXXX- A net payment of {$880.00} for the month Despite this, Ive been advised that both XXXX payments were canceled/returned and that XXXX is considered unpaid. Based on the transaction history, that conclusion does not align with the ACH settlement activity reflected in my bank statement. Ive also attached my XXXX Truist loan statement for reference, which appears to reflect internal reversals and fees that do not reconcile with the external bank transactions. I've requested clarification on : XXXX. Where the remaining {$880.00} payment was applied, and XXXX. Why it was not returned to my account if it was truly canceled. For clarity, there is a separate monthly {$880.00} deposit into my checking account labeled XXXX from XXXX XXXX XXXX. This deposit is unrelated to Truist and should not be confused with the loan payment withdrawals. This is a payment my divorced partner makes to me as outlined in our divorce decree until she buys the vehicle from me outright. I have requested the following from Truist : XXXX. Confirmation that my XX/XX/year> payment is properly credited, and XXXX. Removal of any late fees, delinquency status, or negative reporting associated with XXXX. Thank you for your time and assistance. I appreciate your help in resolving this accurately.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Account was closed when I am conducting business in good faith. I created a business account to separate my business operation, and upon uploading proof of business, along with personal identification, XXXX XXXX, and a selfie taken by their platform. Wise have closed my account without providing any reasons. I strongly believe this was closed upon my race or identification was disclosed. Trying to appeal decision was denied immediately, with no customer support to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting a dispute regarding an alleged debt that RESURGENT CAPITAL SERVICES claims to be collecting on behalf of LVNV FUNDING LLC. The attached complaint includes : A challenge to the chain of title and ownership of the account ; Documentation deficiencies under the Fair Debt Collection Practices Act ( FDCPA ) ; Concerns about the accuracy of any reporting to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA ) ; Proof that there is no debt related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/2026, a repossession agent acting on behalf of Kia Motor Finance repossessed my vehicle despite my clear verbal objection. Under Texas law, repossession must occur without breach of peace. Continuing repossession after a debtor objects constitutes a breach of peace. Despite my objection, the repossession agent refused to stop and continued towing the vehicle. This repossession was therefore unlawful.

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 2026-03-10 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: Bilt Technologies, Inc.
State: FL

Complaint narrative:
I use BILT which advertises that you can pay rent, XXXX fees and mortgages via their credit card platform. They recently went through a transition to move from XXXX XXXX as their processor to take the processing in-house. I attempted to pay my HOA fee with them on XX/XX/XXXX that was accepted by the processor. On XX/XX/XXXX, I was notified that it was rejected due to a problem with Bilt 's ability to connect to my bank XXXX. I attempted to contact their customer service to no avail ( they do not have phone agents, just chat ) and was advised by the XXXX that no agents would be available and I should email their support. Simultaneously with e-mailing " support '' outlining the issue, I followed their on-line instructions and reestablished the relationship between Bilt and XXXX ( XXXX XXXX XXXX relationship already existed ) and processed another payment that appeared to be successful. I then contacted their customer support phone ( again, they won't handle payment inquiries ) and they were able to confirm that my e-mail was received and would be escalated to a support person, but it appears my payment went through. On the XXXX I receive an email that again the transaction was declined due to the bank connection. I once again tried their customer service line who said there was nothing they could do, but they would have a person contact me ( they didn't ). I also attempted again to use their chat, but no agent ever came on. This is just XXXX in a series of issues and errors made by BILT in their transition. That there is no way to contact management or even a support person is beyond unacceptable. I would think there is some minimum standard that would be in place for a credit card company to operate that would include a process for escalating a dispute or issue to be able to reach a resolution.

Company response to consumer: Closed with explanation