vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial issues a XXXX for tax year XXXX claiming {$4400.00} in cancelled debt on a XXXX XXXX XXXX XXXX The XXXX claims the identifiable date of XX/XX/XXXX ( Code G ), THIS IS FALSE. Ally 's own documents prove vehicle was repossessed and sold on XX/XX/XXXX for {$5600.00}. Ally sent a deficiency letter on XX/XX/XXXX showing deficiency of {$5800.00}. Everything was finalized in XXXX. The XXXX amount doesn't match Ally 's own deficiency calculations. No collection activity has occurred for approximately 10 years. There was no " decision to discontinue collection '' in XXXX because collection stopped a decade ago. The contract was disputed, found invalid and removed from my credit reports. When I sent a formal dispute letter to Ally, they responded with their own XXXX documents, proving the event was in XXXX, but refused to correct to XXXX. I believe Ally is issuing XXXX forms to former clients to class back settlement losses through tax liability. Ally settled a class action lawsuit for illegal repossession practices. This repossession was part of that same illegal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: NC

Complaint narrative:
Validation of Debt Request - CAINE WEINER - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Balance {$1200.00} Original balance Original creditor XXXX ( JEFFERSON CAPITAL SYST XXXX XXXX opened XX/XX/XXXX XXXX mos Payment history Collection account. {$1200.00} past due as of XX/XX/XXXX. Account info Account number XXXX O XXXX Address XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
( Please notice that I input a typo in my phone number when sighing up for CFPB account. My correct number is XXXX and not XXXX ) Company Name : Bilt Rewards Product : Credit Card / Rewards Program Complaint : I am filing a complaint regarding the loss of my rewards points and inability to access my original account with Bilt Rewards. I previously had a Bilt Rewards account ( prior to the system transition often referred to as XXXX XXXX ) associated with the following information : Full Name : XXXX XXXX Email Address : XXXX Phone XXXX Through this account, I accumulated over XXXX rewards points from rent payments and credit card purchases. After XXXX transitioned to its new system, I attempted to log in using the same email and phone number. Instead of accessing my existing account, I was prompted to create a new account. I have never changed my email address or phone number. After creating the new account, I found that my rewards balance had been reset to XXXX points, and my previous account data appears to be missing. I still possess my XXXX XXXX XXXX, which should allow the company to locate my original account : Card Issuer : XXXX XXXX Last XXXX Digits of Card : XXXX Customer Service Issues : Bilt Rewards does not provide a customer service phone number and only offers email support I initially contacted support by email on or around XX/XX/year> I did not receive a response for approximately XXXX weeeks When they responded, the replies were slow and did not address the issue I was repeatedly asked to reset my password, which I completed The last response I received was on XX/XX/year>, with no resolution I have not received any meaningful follow-up since then Issue : Loss of over XXXX rewards points Inability to access my original account Failure of the company to properly migrate or link my account Lack of timely and effective customer support Requested Resolution : I request that Bilt Rewards : Locate and restore my original account using my identifying information ( name, email, phone number, and credit card ) Reinstate my full rewards balance ( over XXXX points ) Properly link my account going forward to prevent further issues Provide a clear explanation of what caused this problem Additional Information : This is a financial rewards program tied to a credit card, and I expect accurate account recordkeeping and reasonable customer support. The inability to recover my account and the prolonged lack of response is unacceptable. I am willing to provide additional verification information securely upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was reviewing my credit report and i discovered unauthorized inquires in which i never applied. Unfortunately, i don't recognize this bank name : XXXX XXXX Date XXXX XX/XX/year>.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I closed my account in early XXXX and paid it in full. In early to mid XXXX, I received an official statement showing a {$0.00} balance. On XX/XX/XXXX, I received a letter demanding {$350.00}. I was never notified of the {$270.00} charge that occurred on XX/XX/XXXX until months later, causing {$80.00} in late fees and interest to accrue on an account I believed was closed with a XXXX balance. I have already paid the original {$270.00} charge yesterday ( XX/XX/year> ) but am disputing the {$80.00} in fees and interest due to Capital One 's failure to notify me of the balance in a timely manner. Customer service has refused to waive these fees despite their XXXX statement showing a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I messed up the routing number on a large payment that would clear the balance last week. It was rejected so I made sure to make the min payment due at the time while i figured it out. I checked today and it says the XXXX large payment I tried cleared on XX/XX/year> as well as the smaller payment I made but it says my account is closed. I get on the support chat and they tell me Transunion sent them a credit alert and they closed my account based on that. So I went to transunion to find out what's going on, my score is XXXX and i have nothing negative or late at all. I get on chat with XXXX support and they tell me to talk with XXXX XXXX XXXX I'm writing I try to close my other credit cards with Synchrony and they have closed all my account including my care credit. I need my care credit for health expenses. I'm sorry to shorten this but I'm in tears now. Regardless they won't tell me anything. I can't pay them or even look at my accounts. This is going to ruin my credit.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm having the same issue I had prior with my first complaint I filed about Bank of America. They reopened my accounts after wrongfully closing my accounts. To this day I have not recieved any letters regarding any of my accounts- only replacement cards for my accounts ) However, I received yet another email today of them closing my account that has a XXXX balance. ( Card ending is XXXX ). And the account with a balance remains open. This account have been in good standing since it was opened. I never called to close this account and this card was locked to prevent fraud. I contacted Bank of America for a reason and they stated they " cant '' tell me and would recieve a letter. I've explained time and time again- I never receive any letters from them ( even when I had this issue the first time ).

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was summoned to a Wells Fargo XXXX. I was curious although I didnt make any appointments, I was curious so I went to this appointment I didnt make. On XX/XX/year> I was told by a personal bank representative I had to close my savings and checking account because it had to go to the estate of the XXXX owner. I assured her that my deceased mother put me on as a second owner and I was told that I could leave the account as is, I just had to make deposits periodically. I did make deposits to account. I was told over and over I HAD to close the account. We argued for a while then she said I can give you half of your funds and the other half to estate. I refused that also. She told me the account had to be closed and given to the estate since the XXXX owner is in probate. I told her a few hours later that I called Wells Fargo XXXX department who informed me that I was alive so the funds go to me or I can keep the account as is. I was instructed to let the bank rep call them with any questions. I returned to the bank the same day and explained everything to the bank representative. She wanted me to request the check back. I told the representative that she had to correct her mistake. She called numerous times to retrieve the check but the check wasnt returned. The story changed from what actually happened ( forced to close accounts ) to I request to close account. The branch video would show the truth. I felt bad for the bank representative but not anymore. I returned a few more times trying to get my funds ; XX/XX/year>, XX/XX/year>, XX/XX/year> branch XXXX XXXX XXXX and XX/XX/year>. The bank and representative concocted this story to save their gross negligence that I requested my account closed. My funds were stolen from me that my mother left me, I am very distraught over this error. Everyday I am sad over this poor decision making on Wells Fargo representative. I feel Wells Fargo needs to train their employees better. Giving away customers money is a serious violation! I am now out thousands of dollars.

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 2026-03-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Complaint Against : Portfolio Recovery Associates , LLC Complaint Type : Incorrect credit reporting / Failure to properly investigate dispute Complaint Narrative : I am submitting this follow-up complaint regarding Portfolio Recovery Associates , LLC ( XXXX ) and their continued inaccurate reporting of an alleged debt account originally associated with XXXX XXXX XXXX responded to my prior complaint with generalized statements claiming the account was verified based on business records. However, XXXX failed to provide any actual documentation or evidence to support the validity, ownership, or accuracy of this account. Specifically, XXXX has failed to provide : - A signed agreement or contract bearing my signature - A complete chain of title demonstrating lawful assignment of the alleged debt from XXXXl XXXX to XXXX - A full account-level statement history showing transactions, charges, and payments - Any documentation proving I authorized or benefited from this account XXXX is XXXX debt buyer and must establish standing and ownership of the account through competent evidence. Simply asserting that records exist is not sufficient under federal law. Additionally, XXXX has not provided the Method of Verification as required under the Fair Credit Reporting Act, including : - The identity of the party who verified the account - The specific documents reviewed - The procedures used to confirm accuracy This raises concerns regarding compliance with : - Fair Credit Reporting Act XXXX ( a ) - Fair Credit Reporting Act XXXX ( b ) - Fair Debt Collection Practices Act XXXX - Fair Debt Collection Practices Act XXXX ( b ) Furthermore, XXXX referenced the name XXXX XXXX XXXX, raising concerns of potential mixed file or inaccurate identification. Requested Resolution : XXXX. XXXX deletion of the account from all credit reporting agencies XXXX. Full written verification if they intend to continue reporting XXXX. Cease all collection activity until proper validation is provided XXXX. XXXX review of PRAs investigation practices If XXXX can not provide the required documentation, continued reporting constitutes willful noncompliance with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
In XXXX my mother and I purchased a {$3000.00} cashier check in my name. The check was supposed to be used to cover funeral expenses when she died. She took the check home and stored it in her safe. XX/XX/XXXX my mom died. The cashiers check was originally purchased from XXXX Bank who was later bought by Huntington Bank. On XXXX XXXX I went to Huntington Bank to cash the check. I was told the check is too old and it was purchased from XXXX Bank therefore they will need to contact their XXXX department. She scanned the check and sent to the XXXX XXXX. I was told I would get a call later that day. I did not receive a call. I went back to the bank the next day XX/XX/XXXX. I was told by different XXXX she will scan the check to the XXXX XXXX again and she will get back to me give it a week. A week later I did not receive a call. I went back to the bank today XX/XX/XXXX. I was told that the first rep I dealt with on the XXXX received an email from the XXXX XXXX but she's not in until XXXX she will call me when she gets in the office. I finally received a call and was told they can not locate the check which means I either deposited the check or it was voided and reissued. I asked how when I physically have the check with the attached stub and the receipt of purchase. Also how do you assume what happened without any supporting documents just your assumption. I was told that unclaimed cashier check will go to the state and I will have to claim it. I then told the rep I checked the website and there is nothing under my name nor my mother 's name. The XXXX said she looked and she didn't see anything either. Why? Because XXXX will have to report the check as unclaimed property. Which has not been done. I was then told they will continue to look into the matter and get back to me. Give them another XXXX days. The run around and the delays are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I am simply trying to roll over my XXXX account balance to a new company, and XXXX XXXX XXXX ( XXXX, NA in XXXX XXXX ) is making it extremely difficult. My hire date and my release date were never part of authentication in the past, and I am having trouble finding the info, so rather than help with simple rollover request info they are holding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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:
Over the course of XXXX, multiple unauthorized ACH withdrawals were made from my business bank account with PNC Bank. These transactions were labeled XXXX E-Payment ACH WEB and were sent to account numbers that are not associated with me or my business. Examples of these transactions include : {$11000.00} on XX/XX/year> {$120.00} on XX/XX/year> {$100.00} on XX/XX/year> {$120.00} on XX/XX/year> I contacted XXXX directly to investigate these charges and was informed that the account numbers associated with these transactions are not linked to my Social Security number or any account I own. I then contacted PNC Bank and was advised that they XXXX not be able to assist due to the transactions being older than XXXX days. However, these transactions were not authorized by me at any time, and this situation should be treated as unauthorized ACH activity and potential fraud, not a standard dispute. At no point did I authorize these payments, provide authorization to XXXX for these withdrawals, or establish any recurring payment agreement tied to these account numbers. I am requesting that PNC Bank conduct a full investigation into these unauthorized transactions, including identifying the originating company, how authorization was obtained, and assisting in recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am set up on semi monthly payments on the XXXX and XXXX of every month. I'm paying half of the mortgage each time, wanting to decrease my interest over time by paying it XXXX a month. I called on XX/XX/XXXX and whomever I spoke with said that I needed to make another partial payment so that the full payment will be received for the month and the additional half month payment will be ahead of schedule and reduce my interest. Today I called and spoke with XXXX XXXX and she told me that I needed to do Biweekly payments instead of semi monthly payments. I asked how to set it up and asked why I wasn't told this before when I set this up. I also asked why my additional half payment is still sitting in unapplied payment when I specifically asked for my additional payment to go towards my principal. Instead of seeing that there is an additional payment there and applying it to principal she argued with me for a half hour stating that it was sitting there waiting to apply for XXXX. I told her that I am set up on automatic payments which they will receive on XX/XX/XXXX and again on XX/XX/XXXX for the XXXX payment and that I'm requesting for this additional money they are holding to go to principal and she would not apply it. This is fraud. How can I get my additional money applied to principal so that I can reduce the interest I am paying? It seems like they don't want to apply it so that they can continue to make more interest from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Prior to moving out on XX/XX/XXXX I was refused the opportunity to be present for the final inspection by the property XXXX of XXXX XXXX XXXX XXXX. This is an apartment unit that I occupied for XXXX years without ever having any face-to-face contact with any employee of XXXX XXXX ( they simply refuse to do so under any circumstances ). The landlord hired a contractor to conduct an inspection after I fully vacated. The inspection claims Im responsible for damage that I did not cause. My full {$500.00} security deposit has been withheld. Im being charged {$440.00} for appliance cleaning for appliances that were not left dirty to begin with. Theres pro-rated rent & utilities mixed with false damage claims for a grand total of {$2100.00}. Minus the security deposit, they have hired a debt collector Kimball, Tired, & St. John LLP to pursue me for the remaining {$1600.00} they claim that I owe. I latest communication I received is the letter with a copy of the Statement of Security Deposit withholding signed by XXXX XXXX, dated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TN

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation