vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: TX

Complaint narrative:
On or about XX/XX/year>, an unauthorized transfer in the amount ofXX/XX/XXXXXXXX was executed through my XX/XX/XXXX account. I did not authorize, initiate, or approve this transaction and do not recognize the recipient of the funds. Immediately upon discovering the transaction, I contacted XX/XX/XXXX to report the unauthorized activity and requested that a formal investigation be opened to determine the destination of the funds and to recover the amount improperly transferred. Despite multiple communications with XX/XX/XXXX customer support, the company has refused to conduct a meaningful investigation or provide information identifying the recipient account to which the XX/XX/XXXXXXXX was transferred. I also contacted my financial institution, XXXX XXXX, to review the transaction. XXXX XXXX confirmed that while XX/XX/XXXX may debit funds from a linked bank account, the {$300.00} at issue was not deposited into any of my XXXX XXXX accounts. XXXX XXXX further confirmed that it does not have visibility into the XX/XX/XXXX account or destination account where the funds were transferred, as that information is maintained solely by XX/XX/XXXX. As a result, the location of the funds remains unknown to me. Additionally, I informed XX/XX/XXXX that I am a person with a XXXX and requested that communications regarding this matter be conducted in writing as a reasonable accommodation. XX/XX/XXXX has refused to provide this accommodation and has continued to require phone-based communication, which has significantly impeded my ability to address and resolve this dispute. Given that the transaction was unauthorized and promptly reported, I am requesting that XX/XX/XXXX immediately initiate a formal investigation, disclose the recipient account to which the XX/XX/XXXXXXXX was transferred, and provide restitution of the improperly transferred funds. To date, the matter remains unresolved, the destination of the funds has not been disclosed, and XX/XX/XXXX has failed to provide a substantive response despite repeated requests for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX XXXX, I applied online for a Capital One XXXX XXXX Credit Card through a promotional link that advertised XXXX bonus miles after spending {$4000.00} on purchases within the first three months of account opening. My account was opened on XX/XX/XXXX. Relying on that advertised offer, I spent over {$4000.00} on the card within the required three-month window. I later discovered that Capital One had not issued any sign-up bonus, and that the account I was approved for was actually the XXXX a materially different, lower-tier card with a XXXX bonus after only {$500.00} in spending rather than the XXXXXXXX XXXX card advertised by the link I used. Capital One made no disclosure at the time of approval or account opening that the product I was being issued differed from the one I applied for. Even the XXXX 's standard XXXX bonus was never applied to my account, despite my spending well exceeding the {$500.00} threshold for that card. I contacted Capital One by phone on XX/XX/XXXX. The representative confirmed the account was opened XX/XX/XXXX, and stated that according to their records dated XX/XX/XXXX, no early spend bonus or introductory offer was associated with the account. They were unable to open a dispute or escalate the matter, stating they could only reference what their system showed. I explained that I had applied through a link explicitly advertising the XXXXXXXX XXXX XXXX offer and that I had met the spending requirement. The representative acknowledged my feedback but offered no resolution or escalation path. XXXXXXXX.pdf proves the card issued was a XXXX, not a XXXX XXXXs, and the account open date of XX/XX/XXXX. XXXXXXXX XXXX XXXX ( the call transcript ) documents Capital One 's acknowledgment that no bonus was associated with the account and their refusal to escalate. XXXX ( the XXXX statement ) shows your spending exceeded {$3200.00} in the first billing cycle alone, proving you met both the {$500.00} XXXX threshold and the {$4000.00} XXXX XXXX threshold, with XXXX bonus miles ever posted. XXXXXXXX XXXX XXXX XXXX XXXX independent third-party confirmation the XXXXXXXX XXXX XXXX offer was live in XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: OR

Complaint narrative:
Today my Credit Karma account was closed without notice. I had all my money in it, my direct deposit is scheduled for tomorrow into the account. I tried to work with them to ask them to give me my money. They refused, they wont let me talk to a manager. My kids and I have no money at all, they refused to give me my money at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I requested confirmation that my auto loan was satisfied and paid in full and that the account be reported correctly to the credit bureaus with a {$0.00} balance and closed status

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a call from XXXX XXXX XXXX They also called me from another number with a different company name as : XXXX XXXX I had a Citibank account that ended in XXXX that was sold to collections in XXXX XXXX called me about an account ending in XXXX with the last activity in XXXX. This is not an account related to me. I also told them that I settled the XXXX account previously I asked them to send the validation of debt or some type of written documentation. They said they would only send the validation of debt if I intended to settle the account with them. I sent them the letter that showed I settled the account in XXXX. They disputed that because the phone number for the company I settled with is no longer active. This account was sold to XXXX XXXX XXXXXXXX XXXX around XXXX. XXXX was shut down by the SEC in XXXX for being a {$340.00} million ponzi scheme XXXX XXXX XXXXXXXX It seems like any company contacting me after XXXX is fraudulently purchasing my information XXXX said they got the account from " XXXX XXXX '' They gave me a phone number to some XXXX XXXX company that had no record of this

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The repossession company hired by XXXX XXXX came out looking for the vehicle at my sister 's neighbors house on XXXX separate occasions. Not only did they go to my sister 's neighbors house but also asked to look in her garage for the vehicle. They also let her know that they will be looking throughout the southern XXXX for the vehicle and if I do not contract them within XXXX days they will send the bounty hunters after me for auto theft. I do not disagree that I have fallen way behind on my payments. I never have had any intentions of not paying what I owe. I also know even though I wasn't able to pay full payments I should have been paying something and I wouldn't be in an active repossession. However what this company did is illegal and very damaging. It is embarrassing. My sister has lived next door to this individual for years and we have said a minimal of XXXX words to each other and yet this company shares with her my personal business regarding the vehicle. To make matters worse she then shared this with her sister who is my niece 's boss at the company they work for. This is unacceptable. Irregardless to what I owe on the loan with XXXX XXXX this should never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i reported multiple times fraud transactions on my card that i never authorized to bmo but it was not reported i want them reported as fraud and get my money back pls those transaction : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Since XXXX, I have been disputing an incorrect invoice issued by XXXX XXXX XXXX ( XXXX ). The invoice number referenced by XXXX is XXXX. I previously paid the only legitimate invoice associated with my account. The remaining balance referenced by XXXX was not my charge. I contacted XXXX multiple times by email and provided documentation showing that the remaining balance was not valid. During this process, I received confirmation from XXXX that the charge was not my responsibility. Despite this confirmation, XXXX continued to send invoices referencing the same incorrect balance. I repeatedly followed up asking why I continued to receive invoices for a charge that had already been confirmed as invalid. Eventually, XXXX referred this disputed amount to a third-party debt collector, Transworld Systems Inc . On XX/XX/year>, I received a collection notice from Transworld Systems Inc. referencing File/Reference Number XXXX, stating that I owed {$9.00} to XXXX XXXX XXXX related to the same XXXX invoice XXXX. This occurred even though the charge had already been disputed with XXXX and I had provided evidence that it was not my responsibility. After additional follow-up, XXXX recently informed me that the balance has now been zeroed out and suggested that I move on from the issue. However, the account had already been improperly referred to collections by that point. My concerns are : XXXX referred a disputed and invalid debt to a third-party collection agency. The company continued billing after confirming the charge was not my responsibility. The account was placed with a debt collector despite my prior disputes. I am concerned about possible credit reporting damage resulting from this improper referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am filing a formal complaint against Synergetic Communication regarding an invalid debt of {$720.00} originating from XXXX XXXX XXXX XXXX XXXX XXXX I vacated XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I formally requested a full itemized accounting of all deductions under Texas Property Code 92.109. A XXXX XXXXepresentative, XXXX XXXX, acknowledged my request via email ( see attached XXXX ) but failed to provide the documentation. Under Texas Property Code 92.109 ( b ), a landlord who fails to provide an itemized list within 30 days acting in bad faith forfeits all rights to withhold deposits or collect for damages. Despite this legal forfeiture, XXXX XXXX assigned this unsubstantiated debt to Synergetic Communication. I have already sent a formal FDCPA dispute to the agency ( see attached XXXX ), yet the derogatory mark remains on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account got closed for some reason and they don't want to tell me why and chase bank won't release my remaining balance.. I deposited money from us Treasury and chase bank is giving me a hard time getting my money I've been sleeping in my car I'm homeless now begging to eat coz they hold my money can't do anything because of the hold up .. I need to get my meds but I can't because I don't have money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX, I reviewed my consumer credit reports and discovered that a XXXX XXXX bankruptcy filed on XX/XX/XXXX ( Reference # XXXX ) is being reported to consumer reporting agencies and is negatively impacting my credit profile. Public record bankruptcy data is commonly sourced through third-party data aggregators, including LexisNexis Risk XXXX XXXX XXXX Because of this, I submitted a formal written dispute to LexisNexis requesting verification of the bankruptcy record and disclosure of the source of the information being furnished to consumer reporting agencies. In my dispute, I specifically requested : Certified documentation from the Clerk of the Bankruptcy Court verifying the filing ; The exact source from which LexisNexis obtained the record ( court extraction, XXXX, third-party vendor, etc. ) ; The method of verification used to confirm the accuracy of the record ; The date the record was first furnished to any consumer reporting agency ; A complete copy of my consumer file maintained by LexisNexis. Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is required to maintain reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ) and to provide full file disclosure upon request ( 609 ( a ) ). As of this complaint, I have not received certified court-level documentation verifying the accuracy of the bankruptcy record. If LexisNexis can not provide direct court-certified verification, continued furnishing of this public record information to consumer reporting agencies may constitute reporting of unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am filing this complaint regarding how JPMorgan Chase handled a recent fraud incident on my account and the hardship it caused. On Friday, I received a text alert from Chase asking whether I authorized a {$1000.00} charge at XXXX. I immediately contacted the bank and was told the matter would be taken care of. However, by Tuesday I discovered that no proper fraud claim had been filed. I had to call again to have the claim officially processed. I was then informed that reimbursement would take four business days and that my replacement debit card would take five to seven business days to arrive. This left me without access to my funds and without a working debit card for nearly a week. This is the second fraud incident on my account in less than six months. While I understand investigations take time, I acted immediately upon receiving the fraud alert. Despite that, I was left financially vulnerable and unable to access my own money for basic necessities such as groceries, gas, and bills. My concerns are : My initial fraud report was not properly processed. There was no immediate temporary credit or emergency access solution offered. Replacement card processing times leave customers financially stranded. I am concerned about the effectiveness of fraud prevention measures given repeated incidents. I am requesting : Review of how my initial report was handled. Consideration for faster provisional credit in clear fraud cases. Clear information on additional protections that can be placed on my account. Improved fraud response procedures so customers are not left without access to funds. I believe financial institutions should have stronger safeguards and faster response systems in place to protect consumers from repeated scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am receiving threating calls and constant voice mails. This stressing me out because this company by is violating my rights unde r 15 U.S.C. 1681s-2 ( a ). Information is inaccurate. This account is not mine, and I do not owe this debt. I requested information that they have not provided in over 45 days. I am scared this is hurting my credit score. I request that this account be removed from my credit file immediately and that your records be corrected to reflect this information. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am filing this complaint because my dispute was wrongfully denied by Wells Fargo regarding a hotel reservation booked through XXXX On XX/XX/year> at approximately XXXXXXXX XXXX I arrived at XXXX XXXX XXXX XXXX for a confirmed, prepaid reservation that was booked through XXXX Upon arrival, the hotel manager was hostile and unprofessional toward my husband. Instead of honoring the confirmed reservation, the manager asked us to leave the property. As a result, we were denied lodging even though we had a valid reservation and had arrived at the scheduled check-in time. This occurred late at night, leaving us without accommodations and forcing us to find alternative lodging on short notice. I filed a dispute with Wells Fargo because I was charged for services that were not provided. However, Wells Fargo denied my dispute without providing adequate protection or a satisfactory explanation of how they investigated my claim. I believe the investigation did not properly consider my proof of reservation and the fact that I was denied service by the merchant. Under consumer protection standards, I should not be responsible for payment when services were not rendered. I believe this is an unfair and incorrect 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 monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by PNC Bank. I opened and deposited a check drawn from another PNC customer in XX/XX/year>. PNC verified the funds and made them available. I withdrew the funds in person at a PNC branch with a teller after the bank confirmed availability. After the withdrawal, PNC reversed the check and sent me a letter stating the check was returned unpaid, which created an overdraft. This was the first and only deposit and withdrawal on the account. I went to the local branch where I opened my account and withdrew the money, the branch manager investigated the negative balance. After verifying with the other PNC customer, the manager confirmed the check was legitimate. PNC redeposited the funds and corrected the account balance to {$0.00}. I then voluntarily closed the account. Despite the balance being corrected and no loss remaining to PNC, the bank has reported the account to XXXX XXXX XXXX as closed due to overdraft/derogatory. The overdraft was caused solely by PNCs internal reversal of a check that was later verified as legitimate. The account does not have an unpaid balance. Reporting this account as a derogatory overdraft closure is inaccurate and misleading because the final account status was {$0.00} with no outstanding debt. As a result of this inaccurate reporting, I am being denied the ability to open accounts at other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
My loan was sold to Carrington XXXX Mortgage after using a fully online process via XXXX XXXX XXXX. My payments suddenly stopped being debited from my account and my account was put into delinquency and my credit score dropped XXXX points. When I called in to see why my payments were not being taken out, they told me I would not be able to access my account to set up automatic payments and that I would have to send a check via snail mail. I explicitly signed up with a digital lender because we do not use the US Postal service. I asked to receive paperless commumication only and did not receive communication from Carrington indicating that they needed my help in transferring the account and making sure the auto-pay details remain in tact. This bank clearly just buys accounts and provides the worst possible service, which feels fraudulent. When you sign up with Better.com you believe youre engaging with a company with a solid reputation until your mortgage is sold to a company that legitimately has a XXXX servicing record and makes their money off of making it difficult for people to pay their bills I dont think my credit should be impacted and I would like the bank to provide me access to my onliine account so that I can service the mortgage outside of business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
This 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 amidst the worst hardship I have ever endured. I am currently unemployed and technically homeless. My means of income are very limited and I quite frankly have nothing to call my own, I would at least like to have a clean line of credit. With all of this happening I feel so helpless and I would appreciate all assitance.

Company response to consumer: Closed with explanation