vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Ive not been able to access my account for 48hrs.All on the behalf of Citibank , account locked for no apparent reason took 27hrs roughly to finally speak with someone able to actually help me despite being on the phone with over 25 associates! Only had this account a week and experience is horrible. So now once I get hold of someone they unlock my account but didnt have online access still at that point called again. Only to have to register and make a new account. Once made I login and there you have it my savings is missing along with the {$1000.00} that was in the savings they processed to inform me an associate made and error. Only to be transferred to a supervisor who then tells me he has to transfer me back to a department that can assist me only to get told by that department my phone number couldnt be verified .. Im at the point of 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 non-monetary relief
Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
If you use Bilt XXXX to ask question about using credit card on tax. It said that you will receive reward point for it. Two transactions. XX/XX/year> U.S. Department of the Treasury {$22000.00} XX/XX/year> Service Fee {$380.00} Question asked to Bilt XXXX on XX/XX/year> Q : how can I get 2 % on paying tax A : To earn the equivalent of 2 % back on your taxes, the best move is to use your Bilt XXXX XXXX Since your card earns a flat 2X Bilt Points on everyday purchases, using it for tax payments will give you those 2 points per XXXX. A few important things to keep in mind for tax payments : Processing Fees : Most tax payment processors ( like those for the IRS ) charge a convenience fee for using a credit card ( usually around 1.8 % to 2 % ). You'll want to make sure the value of the 2X points outweighs the fee you're being charged. Sign-Up Bonus : While tax payments earn 2X points, they are considered a " program exclusion '' for the purpose of meeting your {$4000.00} sign-up bonus spend requirement. They won't count toward unlocking that 50,000-point bonus, even though you still earn the base 2X points on the transaction itself. Automatic Payoff : Unlike your rent or mortgage, tax payments are processed like a standard credit card purchase. They will use your available credit line and won't be automatically paid off from your bank account within 24 hours. You'll just pay them off when your monthly statement is due. Does that help you plan out your next filing? Q : that's not true A : I see your Bilt XXXX XXXX in your wallet, and you're right to double-checkyou also have a 4 % Bilt Cash earning rate on everyday purchases ( including tax payments ) when you're on the Flexible earning option, which you currently are. So, when you use your Palladium card for taxes, you're actually getting : 2X Bilt Points per {$1.00} 4 % Bilt Cash on the transaction That 4 % Bilt Cash is a huge value-add on top of the points. Just remember that tax payments are still considered a " program exclusion '' for the {$4000.00} sign-up bonus spend, but you'll absolutely earn the 2X points and 4 % Bilt Cash on the purchase itself. Does that look more like the math you were expecting?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Hi, i have reached out to the collection agency as well as the original creditor. I have been asking for a breakdown of the amount they are saying i owe. I did dispute the collections a while ago and asked for the information and the collection agency only sent me a letter of reducing the amount from {$6600.00} to {$3600.00} but not the proof of what is owed and why. I have called the original creditor and they told me that since my account was charged off to collections that they no longer have that information. So I called the collection agency and they said they do not have that information the original creditor does and that my account was flagged for not having all the required information needed so that they are able to help me file a legal dispute but i will need to pay {$1700.00} in order to get that process done and to get the collection deleted off of my account. I did not understand if they original creditor did not provide all the information needed to the collections and how it was flagged why this is still on my credit and was not given a very good/clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received my statement on XX/XX/year> showing that my account had been paid off and explicitly that my available credit was {$1400.00}. However, after a week, the website refuses to update the account 's available credit and decline charges showing instead that the available credit is only {$5.00}. After several support chats wherein the agents attempted to increase my credit line ( instead of fixing the account ), I was told to continue to wait until this mysterious " hold '' could be removed from my account. After confirming with a supervisor that my the Cardholder Agreement says that the Statement controls over the website and further confirming that the Statement shows an available credit of {$1400.00}, the chat representative shut off the chat. I was able to rejoin and start a new chat with a supervisor who went on to tell me to keep being patient and the hold will be released in a few more days. I asked for a statement to then be reissued that accurately reflects my account 's status, and then the chat was erased from my screen. I was able to capture some of it where the agent confirmed that my statement said my available credit was {$1400.00} and that the statement controls over the website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wolf River Development Company
State: CA

Complaint narrative:
On XX/XX/year>, XXXX, a representative from XXXX XXXX contacted my employer regarding an alleged debt. During this contact, they requested to speak to someone from the HR department for " payroll deduction. '' I have not been served with a lawsuit, nor has a court judgment or garnishment order been issued against me for this matter. Under the FDCPA, contacting my employer to disclose debt or attempt a non-judicial garnishment is a violation of my rights. This unauthorized contact has jeopardized my professional reputation and employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: AR

Complaint narrative:
I am submitting this complaint regarding Cadence Bank for failing to honor a promotional bonus associated with a business checking account. On XX/XX/XXXX, I opened a business checking account with Cadence Bank under a promotional offer that promised a {$400.00} bonus upon completion of certain qualifying requirements. I carefully reviewed and complied with all the terms and conditions of the promotion. I completed all required activities on XX/XX/XXXX, within the stipulated timeframe. These included meeting the required deposit thresholds and any associated transaction criteria as specified in the promotion. However, as of today, I have not received the promised {$400.00} bonus, nor have I received any communication from Cadence Bank explaining the delay or denial of the incentive. I have acted in good faith and fulfilled all promotional requirements. The banks failure to issue the bonus as advertised is concerning and appears to be a breach of the promotional terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
fraud involving a {$2000.00} USD payment made via XXXX in XX/XX/XXXX for the purchase of XXXX XXXX ( XXXX XXXX ). To this date, the agreed-upon assets have not been delivered to my digital wallet. The individual I conducted the transaction with presents himself as someone who offers trading masterclasses and operates a XXXX group where he promotes the XXXX. He represented himself as residing in XXXX, Florida and uses the phone number XXXX ( XXXX ) XXXX. His social media are XXXX groups as XXXX XXXX XXXX, XXXX XXXX XXXX, and his personal which is XXXX XXXX. His XXXX is XXXX XXXXXXXX XXXX Timeline and False Promises : XX/XX/XXXX : I paid {$2000.00} USD for a " pre-sale '' of XXXX. The seller ( accounts linked to XXXX XXXX, phone number ( XXXX ) XXXX, to whom I send XXXX $ and XXXX XXXX with email XXXX to whom I send XXXX $ ) to clarify I only have communication with XXXX XXXX XXXX, who stated that the official launch and delivery would occur within a few weeks after the payment. XX/XX/XXXX : After months of delay, I requested the assets to liquidate my investment. The seller claimed delivery would happen in the first week of XX/XX/XXXX. XX/XX/XXXX : The seller moved the date to XX/XX/XXXX. Throughout this period, the seller provided various excuses involving " internal modifications, '' " contract changes, '' and " bot updates '' to justify the non-delivery. Technical Evidence of Deception : Lack of Custody : At no point since XX/XX/XXXX have I had custody, control, or the ability to dispose of the assets I paid for. My XXXX wallet officially shows " No verified collections. '' Spam/Scam Assets : Recently, the seller provided transaction hashes. Technical analysis via XXXX reveals these transactions have a value of approximately {$0.00} USD ( XXXX XXXX ), which is inconsistent with a {$2000.00} purchase. Spam Tokens : The items received ( identified as " XXXX '' ) are unverified spam/scam tokens with no market value, used by the seller to simulate a transaction on the blockchain ( XXXX XXXX ) without delivering the actual product. Conclusion : The seller has intentionally used technical jargon and false deadlines to withhold funds. I am requesting a formal investigation into the XXXX accounts used for this wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Research Inc
State: TX

Complaint narrative:
I attended XXXX XXXX in XXXX, TX, which closed. My federal student loans were discharged due to the school closure. However, Central Research Inc. is reporting an active balance of approximately {$10000.00} and recent delinquent payment history on my credit report as of XXXX. I disputed this with XXXX, but the account was verified as accurate. XXXX has already updated these loans and is reporting them correctly. Since the debt was discharged, it should not be reported as owed or show ongoing delinquency. I am requesting correction to a {$0.00} balance and removal of negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
In short succession, I requested that two separate deposits in the amount of $ XXXX/each be transferred to my personal banking account. One transferred successfully, while the other was transferred to an unknown account. There was an error in the account number provided. I called to check the status of the deposit, made the correction giving the correct account number, but was never credited the amount due to me. They said it would be a week before they could give me a case number. I called back in a week for a case number, but still no resolution. Two weeks later, they mailed a letter claiming that the issue was resolved, but they did not investigate the correct deposit! It's been nearly three months of trying to get this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
This is actually previous complaint some of my emails showed up and it was meant for Navy Federal. Im not sure how that happened, but I was tired. So you can cross reference with the complaint prior that was my email. That CD that I had is missing the appropriate accounting information for what transpired in my total balance in that CD. I withdrew {$400.00} from that. It did have {$400.00} more and theres no record of it. Thats why I think Im seeing all the cells because they equal up to about {$400.00} and it looks like an attempt to cover then I really had XXXX more dollars in my CD. What Im concerned about is in XXXX is when I think I withdrew thats at {$400.00} from my CD but it says transfer from checking. Only other checking that was there is my daughters account that I had joint access to because she was under XXXX. My concern is that that money came from my daughters checking account versus my CD and I feel like my {$400.00} disappeared. Im also very concerned about where my other XXXX childrens money is for the month of XXXX. What happened to it? Because its not listed there at Navy Federal. I also feel like the XXXX statement I believe it was where it says there was an ACH reversal, that it came from somewhere other than XXXX XXXX because it was the amount of the mobile checking deposit I made to XXXX XXXX, however, that it was not an ACH transaction. Ive been saying some of my daughters contributions to her IRA that you are missing from her account. I do believe this is the money that is missing. I believe this reversal came from XXXX. I want an explanation of what ACH transaction was reversed because it wasnt that check to XXXX XXXX. That XXXX XXXX wasnt an ACH transaction. Which ACH transaction was reversed? Theres also the issue of {$400.00} in XXXX XXXX and my daughter sent me and the way its been documented caused me to lose that money, because it didnt go to the appropriate place and people were taking more than I owed in bills and I wasnt in real time. It was done retroactively it appears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
One day last year, accessing my account, I mistakenly entered the wrong information indicating that either my username or my password was incorrect which is usually the same thing for everyone in a similar situation as myself which is usually a wrong password. So I contacted Barclays and was given the following information on how to resolve the problem. On XX/XX/XXXX I received a response from XXXX at the office of the president Barclays Bank regarding my request to be able to access my account and reset my password in her attached document she required that I fax or mail a copy of the front and back of my drivers license, my Social Security card, & a current utility bill or bank statement. I faxed copies of the front and back of my drivers license, front and back of my Social Security card and an ENTIRE copy of my current utility bill on the same day I got her email ; XX/XX/XXXX, XXXX today is, XX/XX/XXXX. My request was submitted on XX/XX/XXXX and on XX/XX/XXXX of XXXX and I still have not been able to access my account as of today, XXXX months, and 13 days later. I have submitted a third request as of today XX/XX/XXXX to the same fax number of XXXX at the Office of the President. I am aware of and completely understand the need to identify persons accessing accounts, especially credit cards. What I do not understand is why Im still not allowed to access my account when Ive done every single thing that theyve required me to do and its XXXX months and 13 days later after the fact. If there was anything I didnt submit or needed, I would assume Id be contacted by XXXX XXXX however I didnt hear anything back from her, or anyone else from Barclays Bank . Basically, I have been ignored and treated like dirt, not a customer. Honestly, it makes me wonder if I was really talking to Barclays Bank and not a scammer who was looking to steal MY identity asking for it in order to remove the block from my account but really didnt because it seems to be a problem and doing so after they got all the information they requested. A scammer on the other hand would not remove a block obviously. So whats the deal here? Im also concerned about this being an actual employee of Barclays Bank, or someone looking to steal my identity. If not, then whats the problem?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment of {$1700.00} through Wells Fargo. The payment was mistakenly sent to the wrong recipient due to selecting an incorrect contact with the same name as my intended recipient ( my daughter ). Immediately after realizing the error, I attempted to contact the recipient multiple times via phone and text message requesting the return of the funds. The recipient has not responded and has not returned the money. I promptly reported the issue to Wells Fargo and opened claim # XXXX. Wells Fargo denied my claim stating that the transaction was authorized, even though this was a clear case of a misdirected payment to an unintended recipient. After further escalation, Wells Fargo confirmed that a recall request had been sent to the receiving bank ( XXXX ). However, I have not received any written confirmation or documentation of this recall request, nor has there been any resolution. I have made multiple good-faith efforts to resolve this issue both directly with the recipient and through Wells Fargo , but no recovery has been made. I am requesting that Wells Fargo : -Reopen and properly investigate this claim -Provide documentation of the recall request sent to the receiving bank -Assist in recovering the funds sent in error The recipients continued failure to return the funds despite multiple contact attempts raises concerns of unjust enrichment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
CFPB COLLECTION REMOVAL DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX subject : Formal Complaint - Collection Account Reporting Without Full Validation | FCRA 11, FDCPA 809 ( To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ Debt Collector Name ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). > ACCOUNT IN DISPUTE : o Collection Agency : Vance Huffman o Original Creditor : Credit Fresh o Account Number : unknown o Reported Balance : {$1600.00} ] o Date Opened : XX/XX/XXXX o Credit Bureau Reporting : [ XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the collector either : : Failed to provide full chain of assignment or legal ownership, Sent only generic billing statements or screenshots not tied to my identity, o Could not supply an original signed contract or application showing my agreement to this debt, o Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ). Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : o Immediate removal of this unvalidated debt from all consumer reporting agencies, o A review of the collector 's reporting and compliance procedures, o A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FRA 605B if identity fraud or reporting errors are also involved. All supporting documentation ( dispute letter, response from collector, credit report screenshots, proof of certified mailing ) is attached for your review. Thank you for your time, oversight, and assistance in protecting consumer rights. Sincerely, XXXX XXXX Credit report screenshot showing account still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
A private student loan that was XXXX discharged - popped back on my credit as a charge off, while leaving the original on as well, both have different reported account numbers that do not match the account number given. Navient just says " we reported to the CRAs '' but they did not, as they are reporting different account numbers for a student loan opened on XXXX XXXX 2008 - the same loan, being reported twice. One as nothing wrong but then the second/same loan is charged off. They do not give any information at all, they just say " we are reporting it to the CRAs '' but they have my account number they use, that doesnt match the account number of either of the 2 loans with different account numbers that were opened on the same day for the same amount.

Company response to consumer: Closed with explanation