vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to deposit a check ( amount of XXXX ) into my Truist checking account, they marked the check as fraud on XX/XX/XXXX and closed my account the same month. I went into local branch multiple times the week of XX/XX/year> to see why the check was taking so long to clear and was told something different with every person i talked to. Since then I have been trying to get them to release the check to with no success. I have brought them certified copies of the check from the issuing bank XXXX XXXX XXXX XXXXXXXX ) showing the funds left them XX/XX/XXXX. I went into the local Truist branch with the person that wrote the check and provided them with another very specific letter they requested and now Im being told that isnt sufficient to release the funds. And if i cant get the exact letter formatted the way they like the funds will remain where they are indefinitely. The woman that wrote the check is a customer of mine and has also made 3 appointments to go in person to try to get the exact letter as well as countless phone calls. The supervisor for Truist fraud department told me as of XX/XX/year> they can do nothing else without this letter and nobody else could help me. After requesting information for a regional manager or branch or anybody that might be able to help i was told she was the highest authority. This has placed a financial hardship on the company, the employees of said company, my customer, and many more with the holding of theses funds for this extended period of 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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This processor who I have already filed on for going through my mailbox is now coming to my property at XXXX XXXX and XXXX at night. I have screenshots as well from my ring cameras. The other claim # I have against her is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I receive direct deposit so I have overdraft protection. Unfortunately apple had several unreal charges that sent my account into a XXXX my bank refunded the apple charges but not all the fees. My bank will also see I get a deposit that day at XXXX XXXX but will then charge me overdraft fees at about XXXX or XXXX XXXX on the same day. As of right now alone Ive paid well over XXXX XXXX in unnecessary fees. If I make a return on an item or I get a refund that contributed to a negative balance that refunds overdraft fee should be refunded as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: DE

Complaint narrative:
I've filed a dispute numerous times because I haven't received my package. I've contacted the seller via email and haven't received a response. Cash App kept declining my disputes even with the evidence I've gave them. I was told by Cash App in XXXX that a refund was issued on the XXXX but I never received anything. Here it is XXXX and still nothing. I'm really getting fed up!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The issue seems to be that they are confusing my account for somebody else 's. They sent over a determination and a credit score that is not mine XXXX Just pulled my credit report, just got a loan as a matter of fact and I know exactly what my credit score is.. So this is very incorrect..

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 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: SC

Complaint narrative:
XX/XX/XXXX, Loan amount {$18000.00}. Climb Credit Inc was deceptive on loan disclosures including hiding finance chages and misrepresenting APRs. The CFPB sued Climb Credit ( Case No. XXXX, XXXX. ) and obtained a final judgement on XX/XX/XXXX for deceptive loan disclosures, including hiding finace charges and misrepresenting APRs. Because the loan was originated through deceptive and unlawful practices, the reporting of derogatory information form this account is inaccurate and should me removed immediately from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I filed a complaint with the FTC in that complaint they inform me to call my bank. I was complaining about a refund I never got back for XXXX when I called my bank I informed them of everything I told the ftc that I made a down payment of XXXX to XX/XX/XXXX had asked for it back in the begining of 2025 ( I recall now ) anyway and in but never got anyone to call or email me back until XXXX of 2025 then in XXXX XXXX. I had the financial dept call and tell me it will be XXXX to XXXX business days. Now it's XXXX and they still haven't gotten back to me. I told this to XXXX and they told me to send them all emails I had so I did they credit my account the XXXX my balance was XXXXXX/XX/XXXX around that much. So I started to pay some bills off only to have fhb take back the money and put me in a XXXX overdraft. My life is chaotic because it now. They knew about the date they look everything up to make the decision gave me the credit and then told me they took it back because of the XX/XX/XXXX day rule.thats XXXX. I along with my parents and XXXX siblings have been doing business with this bank for over XX/XX/XXXX years we ve had many loans, morgages we have a business account we have business insurance all banking deals with this bank and they go ahead and do that I feel like it's personal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Harley Davidson Financial Services Inc
State: OH

Complaint narrative:
I completely understand that Im behind on my loan and that my wife co signed on the loan so it started in XXXX I had a XXXX XXXX XXXX which I never fell behind on the payment but I wanted to get something that had a bigger motor as my wife was wanting to go on more rides with me well long story short I found a dealership that I was able to get approved through but the only way was to use a third party lender to get the down payment loan through so get that done and then found out it was illegal for them to do that but a law or something had already passed which made my purchase out of the time line so whatever my wife was making the down payment loan and I was making the bike payment well I switched jobs as I thought it was gon na be better pay ended up being a bigger nightmare I fell behind on my bike loan the first time but got it caught up in a couple months once I acquired a new job and everything was good well that ended up switching jobs and fell behind due to the job switch well couple months later was fully caught up and the same thing happened well long story short Im about XXXX $ behind a on a payment and since then my wife and my self have received multiple calls a day as in 2 or 3 times a day but they quit calling from XXXX and call from a toll free number which I believe they do so they dont get in trouble and wont leave a voicemail but when my wife or myself answer its XXXX and have started lieing to my wife about how far behind on my loan telling her Im 3 months when Im only a couple XXXX dollars behind not thousands of dollars behind but my wife has asked them to not call her when she is at work and oddly they continue to try to contact her while she is at work while Im at work

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We are disputing a series of unauthorized ACH withdrawals from our Chase business account totaling approximately {$8500.00}, occurring between XX/XX/XXXX and XX/XX/XXXX. The transactions are labeled XXXX XXXX and XXXX XXXX. We did not authorize these transactions. We have never created an XXXX business account or linked our bank account for ACH payments. All legitimate XXXX purchases are made through our Chase credit card ( ending in XXXX ) using our only XXXX account ( XXXX ), which has no bank account linked. The transactions list the name XXXX XXXX, which is not our legal business name ( XXXX XXXX XXXX XXXX XXXX ) and is not used by us in any capacity. This indicates the account was created fraudulently using incorrect information. We reported this to Chase, submitted documentation, filed an FTC Identity Theft Report, and a police report ( Case # XXXX ). Chase claims the transactions were authorized but has provided no proof of authorization, no ACH authorization records, and no evidence linking these transactions to us. They are also refusing to investigate transactions beyond 30 days, despite this being an ongoing fraud pattern. We are requesting : Full reimbursement of all unauthorized transactions Proof of authorization ( if it exists ) A complete investigation into how our account was linked without consent This is clear identity theft and unauthorized ACH activity, and Chase has failed to properly investigate or resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I don't know who this debt collector is so I requested the following information ASKED FOR ORIGINAL CREDITOR NAME FULL PAYMENT HISTORY PROOF THEY LEGALLY OWN THE DEBT AND NOW I HAVE MULTIPLE AMOUNTS ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I am submitting this as a formal follow-up dispute regarding the CNAC account listed on my credit report : This account was previously disputed, and the furnisher has already acknowledged that inaccuracies existed in the reporting and initiated updates. However, the account continues to be reported in a manner that raises concerns regarding accuracy, completeness, and proper verification. Specifically : The account is reported as a paid charge-off and transferred/acquired by another lender, indicating that CNAC no longer owns or services this account. Despite this, the tradeline continues to reflect derogatory information without sufficient documentation verifying the full accuracy of the reporting. The furnisher has already admitted to prior inaccuracies, which calls into question the reliability of all information currently being reported. There is no evidence provided demonstrating that CNAC maintains complete and verifiable records following the transfer of the account. Under the Fair Credit Reporting Act, all information must be accurate, complete, and fully verifiable. Given that this account has been transferred and previously contained inaccuracies, I am requesting : XXXX. Full documentation validating the accuracy of all reported information XXXX. Verification of CNACs authority to continue reporting this account after transfer XXXX. Complete account history, including all payment and charge-off calculations If this account can not be fully verified in compliance with the Fair Credit Reporting Act, I am requesting that it be deleted from my credit file immediately. Please note that continued reporting of information that has previously been identified as inaccurate may constitute a violation of federal law. I expect a complete and thorough investigation within the required XXXXday timeframe. Additionally, the account reflects inconsistent and potentially inaccurate reporting, including duplicate transferred to another lender remarks and incomplete payment history entries. The furnisher has already acknowledged inaccuracies in prior reporting, which calls into question the reliability of all information currently being reported. Given that the account has been transferred and is no longer owned by CNAC, I request verification of their authority to continue reporting this derogatory tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This situation has been ongoing for years. Please see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting a complaint regarding repeated and excessive phone calls from Citibank regarding a charged-off account. Approximately XXXX month ago, I sent a written request directing Citibank to cease telephone communications and communicate in writing only. Despite this request, I continue to receive multiple calls per day. For example, I received XXXX calls in one day and additional calls the following morning. This frequency of calls after a written request is disruptive and appears to be excessive and harassing. I am requesting that Citibank : Immediately cease all telephone contact Confirm my account is coded for written communication only Ensure future communications are limited to mail or email

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 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I was charged a {$100.00} fee for closing my account but my account is NOT closed. SOFI 's chatbot told me the fee should not have been charged and connected with me a live agent to have the fee credited ; two agents then proceeded to refuse to credit the fee, with the last agent telling me, " For all intents and purposes, the account is closed, '' despite there being approximately {$2500.00} in assets remaining in the account. When I advised that if a credit was not issued I would contact CFPB the agent stated, " We do not respond to threats, '' and refused to issue the credit for the fee which SOFI 's own system said should not have been assessed in the first place. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My federal student loans were previously serviced by XXXX and set up for automatic payments. After repayment resumed following the XXXX payment pause, servicing changed, and the automatic payment arrangement did not continue. All communication regarding repayment was sent to an inactive email address, and I did not receive effective notice that payments were due or that autopay had been discontinued. As a result, multiple loan segments became delinquent simultaneously without my awareness. This was not intentional non-payment. Once I became aware of the issue, I took immediate steps to bring the account current and re-establish automatic payments. My other student loans not serviced by Aidvantage have remained in good standing, which reflects my normal payment behavior. I contacted Aidvantage directly and was advised to submit a formal dispute regarding the credit reporting, which I have done. I am seeking a full correction of the reported late payments due to the breakdown in the repayment transition and the lack of effective notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I have paid this company over XXXX on a XXXX loan and still owe XXXX I enter into a settlement in XXXX for XXXX and was making payments, never received any information in the mail or a phone call they cancelled my settlement agreement without my knowledge and also reported me as late on my credit report. This company has added fees and other products that make it impossible to pay them off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: MD

Complaint narrative:
I am filing this complaint due to inaccurate, inconsistent, and misleading information provided by LoanCare regarding my mortgage payment history and trial payment plan. During multiple recorded phone calls, I contacted LoanCare to understand the status of my payments and was informed that a XXXX payment was missing or returned. At no time during those calls was I provided with a specific date for the returned payment. I relied on this information in good faith and attempted to comply based on what I was told. However, I was later informed that a XX/XX/scrub> 2025 payment was returned, which directly contradicts the information previously provided to me. I was never clearly advised that XX/XX/scrub> 2025 was the returned payment at the time of my calls. This caused significant confusion and prevented me from properly addressing the issue in a timely manner. As a result, I was denied a fair opportunity to comply with the requirements of the trial payment plan. To be clear :XX/XX/XXXX I have records of calls where I was told XXXX was the issue XX/XX/XXXX I was never clearly informed that XX/XX/year>2025 was the returned payment XX/XX/XXXX I was not given accurate or consistent information needed to resolve my account Additionally, I am a person with a XXXX, and clear and accurate communication is critical for me to understand and comply with my mortgage obligations. The conflicting information I received placed me at a disadvantage and interfered with my ability to retain my home. This situation reflects a failure to properly service my loan and provide accurate information. I am requesting a full review of my account and fair consideration for available loss mitigation options. I am seeking resolution so I can retain my home and move forward.

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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
They cap voluntary auto-debit at {$0.00} to ensure my principal continues to rise and my interest is maximized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: NY

Complaint narrative:
This company hasn't been able to not only verify who they are and any accounts that they are trying to collect debts on, but they are unable to verify who I am and the debt that was occurred. initially they had said that it was about a car accident and so they were trying to get personal information from me, now they're saying it's a debt ; either way, this company has been very threatening /harassing /unprofessional and uncooperative. I have still been unable to confirm a debt and it would be impossible to have been in an accident when I did not have the car that they mentioned being involved. they also create fake phone numbers to call myself and other people that I know constantly!! as well as giving out fake license plate numbers to try to validate their claims. Since I have complained, and expressed to them I understand my rights, they have now started calling from different phone numbers. They've cursed at me, threatened to have my wife XX/XX/XXXX for answering phone & asking questions. They continue to heckle my sick mother. I am at the point of wanting to pursue action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX I booked a trip on JetBlue.com. I was offered a JetBlue credit card the provides the first checked bag for free. I applied for the credit card and received it a week or so later. When I inquired on how I would get free checked bag I was told I had to call jet blue to change credit card for payment. I spent a long time on hold only to find out my actual flight is with XXXX XXXX so the free checked bag did not apply. My reservation was booked on JetBlue.com and the credit card offer was on JetBlue.com. There was nothing in the website that said jet blues free checked bag would not apply to my reservation.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
They informed me after I asked about a refund that my account was being closed and I couldnt use my card. This is clearly retaliatory because Ive complained against them several times

Company response to consumer: Closed with explanation