vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Re : XXXX I am filing a complaint against Truist Bank regarding unauthorized theft from my money market account. On XX/XX/year>, my Truist money market account was compromised after my online banking credentials were hacked. Unauthorized transactions totaling approximately {$5000.00} were made from my account without my knowledge or authorization. I discovered the theft and immediately contacted Truist Bank on XX/XX/year>, to report the fraud and request an investigation. Despite promptly reporting the unauthorized activity, Truist denied my fraud claim and has not reimbursed the stolen funds. I have since taken steps to secure my online banking credentials and resolve the security breach. In addition, I filed a police report on XX/XX/year>. The police report case number is XXXX. I believe Truist failed to adequately protect my account and failed to properly investigate or resolve the unauthorized transactions after timely notice was provided. The loss of these funds has caused significant financial hardship and emotional distress. I am requesting : Full reimbursement of the stolen funds totaling approximately {$5000.00} A complete and thorough reinvestigation of the unauthorized transactions Written documentation explaining the basis for denial of my fraud claim Removal of any fees or negative impacts related to the fraudulent activity I attempted to resolve this matter directly with Truist Bank but have not received a satisfactory resolution. Fee XXXX XXXX XXXX XXXX Transaction detailsIcon size XXXX XXXX {$03.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLINE EXTERNAL TRNSFTransaction typeDebitTransaction XXXX XXXX nameTransfers & PaymentsSub-category nameOther transfers & paymentsNote : Category and merchant details may take up to an hour to appear once a transaction has been completed 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 explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened a checking account with Chime approximately three days ago and funded the account with a legitimate direct deposit from my employer ( XXXX XXXX ). Shortly after the deposit, my account was abruptly closed without prior notice. I contacted customer support multiple times and was told the issue would be escalated, but no one could provide any details. I then received an email stating that my account would remain closed and that I am not eligible for a refund because they were unable to verify ownership of the deposited funds. However, these funds are from my employer payroll and are clearly in my name. I am requesting clarification on why my account was closed, and more importantly, I need confirmation of where my funds are currently being held and how they will be returned to me. I have not been given any timeline or explanation, and I am currently unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount claimed, documentation proving my legal responsibility for the debt, and proof that your company is authorized to collect on it.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I was having financial difficulty my credit card is only for {$500.00} I did fall behind two payments of usually been in good standing but I had to get a new engine for my car and I've had in loss of income that being said they will not work with me and I just looked at the statement and they actually charged me almost {$300.00} in late fees and interest and I want that to be reversed from them so I can get them back and paid him off and close this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: CA

Complaint narrative:
I received a debt collection notice dated XXXX XXXX, 2026 regarding an alleged XXXX debt. The notice states that unless I dispute the debt within 30 days, the debt will be assumed valid. The debt has been disputed for many months. Prior to collection activity, I submitted a formal fraud and billing dispute directly to XXXX regarding fraudulent charges, billing irregularities, and a request for a comprehensive audit of account activity dating back to XXXX XXXX, 2024. XXXX representatives previously advised that certain invoices were fraudulent and would be waived, yet additional disputed charges continued to appear. XXXX representatives also stated that a comprehensive audit would be conducted, but no audit results, transaction history, investigation findings, or final determination have ever been provided. In XXXX 2026, a prior collection representative from this same company acknowledged the dispute and advised that the matter had been referred back to XXXX for analyst review and investigation. No audit results or substantive validation were subsequently provided. After receiving the XXXX XXXX, 2026 collection notice, I attempted to obtain information and submit supporting dispute documentation. The notice does not provide an email address. The fax number listed on the notice has been non-responsive despite repeated attempts over several days. On XXXX XXXX, 2026, I spoke with a company representative and requested an email address or alternative written method for submitting my dispute and supporting documents. The representative refused to provide an email address or alternative written contact method. I am concerned that the company is requiring a written dispute within a limited time period while not providing a practical and functioning method to submit that dispute. I have also not been provided sufficient information, validation, audit results, or supporting documentation to verify the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I opened water damaged claim for my house with my insurance they paid me to fix I sent my checks to my mortgage company as required to approve it. They sent me some funds to complete the repairs I paid out of my personal bank account I have been told Ill get my remaining money after inspection report pass 75 % XXXX summit the inspection report as it came 99 % done I tried to reach to mortgage company to release the funds so I can get my money and be able to pay my mortgage on the time but they been trying to delay and keep my money in their escrow account I talked to several managers and representatives every one gave me different information till today and lying my situations. According to their policy I ave 5 to 8 business days since XXXX summit my inspection XX/XX/year> till now I have not received my money 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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went into the bank SEVERAL TIMES AND TODAY WAS MY LAST STRAW. XXXX XXXX NEED TO BE FIRED FOR COMPLIANCE ISSUES AND FALSE INFORMATION. I specifically asked her to not close my account. She lied and said the a was close and the balance was settled at {$1600.00} ( estimate because she wasnt able to give proof ) so I thought the case was closed and she said a check would be mailed for that balance. I called to get an update on the mail. I was then told from fraud that the case was still open and not been settled. I went back into the beach today after getting spent around for XXXX days and the branch said they cant do a manual review to clear the funds. I honestly just want my account to be left open and to regain access back to my money that i originally deposited. This banker XXXX XXXX sent my profile to the external fraud department and this pushed for an account closure when I came in and already verified my cash receipts and ID. I dont want to settle the balance at this moment because the accounts were not joint and I was going to settle it at a different time. They are telling me I have to wait XXXX for a supervisor to pick up the case and that its nothing they can do because an external fraud department supervisor has to view the notes and make a decision. I need this case settled and my original {$4200.00} unrelated to the negative balance to be returned to me as such. I want to keep my account open because this issue was merely escalated to the wrong department by XXXX XXXX when all it should have been was a verification process and now I have bills and expenses late because of her errors and lies about updating notes to the case files and the fraud department said they never received a note. She lied and said XXXX was the supervisor on the case but I went in today and the branch manager said its NO SUPERVISOR ON THE CASE AT ALL AND I HAVE TO WAIT THE MAXIMUM 90 days if its not picked up.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please look over the supplied materials ; the inquiries came in unannounced and may remain unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing a complaint regarding Synchrony Banks inaccessible and unnecessarily complicated account access and customer support process, which has directly resulted in financial harm to me. I have been repeatedly locked out of my account and unable to gain access either online or through customer service support channels. The verification and recovery process is extremely convoluted, burdensome, and ineffective. Despite multiple attempts, I have been unable to obtain meaningful assistance to regain access to my account. Because I can not access the account, I have been prevented from properly managing payments, reviewing balances, disputing charges, or monitoring account activity. During this period, interest charges and fees have continued to accrue, creating additional financial damage that could have been avoided if reasonable account access and customer support had been provided. I believe Synchrony Banks systems and support practices create unreasonable barriers for consumers attempting to access their own financial accounts. A bank should not make it nearly impossible for customers to verify their identity and regain access while continuing to charge interest and fees in the background. I am requesting : * Immediate restoration of account access * Removal of any interest charges, late fees, or penalties accrued during the time I was locked out * A full review of Synchrony Banks account recovery and customer support procedures * Written confirmation that my credit will not be negatively impacted due to access issues caused by the banks systems and processes I have made good faith efforts to resolve this directly but have been unable to obtain adequate assistance.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Management Company, LLC
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount claimed, documentation proving my legal responsibility for the debt, and proof that your company is authorized to collect on it.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
The company is Sofi banking. The date is XXXX XX/XX/year>. I received a direct deposit of {$1200.00} from my social security check. Once it was deposited I activated my card and then minutes later my account was closed without warning and no notice after the SSA deposited the money. I spent hours on the phone and no one could give me any information and today me it could take as many as thirty calendar days to get the money back. I am furious because I only get one check a month to pay rent, bills, phone bill, and most importantly recover my meds that are shipped out and cost me {$300.00} out of pocket that I now can not receive. Now I do not have any money SoFi said their decision was final without giving any advance notice or allowing me to transfer the funds to an external account. I do not know what to do. When I try to access all the messages from them all the correspondences except the closure of my account have been erased from our history about my account restrictions being lifted and that my account was in full use when the SSA check hit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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. The harassment has placed me in XXXX XXXX and is hindering me from being able to provide for my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Home equity line of credit ( through Citizens Bank ) was paid off on XX/XX/XXXX in the amount of {$24000.00} and statement from bank was received via mail on XX/XX/XXXX showed the balance as XXXX. The bank did not release the mortgage after the home equity line of credit was paid off failing to comply with Michigan Law 565.41. Their failure to release the lien on the house is 5 days away from impacting the close of the house. Went to local branch where loan was taken out XXXX weeks ago requesting the lien to be released. Branch employee stated I would receive the letter in the mail in XXXX days. Called the bank on the XXXX day and was advised to give it 1-2 more days and they confirmed it had been mailed. Went back to the bank 2 days ago ( XX/XX/XXXX ) and the employee at Citizens bank said they would make a call and e-mail it to me by XXXXpm that day and call me once they sent it. Employee called me around XXXXpm that day to advise that they can not e-mail the form or fax it, that I must wait for it to arrive via mail within 2 days. It has been XXXX days, and it still hasn't been received. I called their customer service line and spoke with a manager who told me that there was nothing they could do, that I would have to visit my local branch. I just went to my local branch, and they told me they can't do anything and gave me a number to call. In addition to them failing to comply with Michigan law 565.41, they have also failed to comply with Michigan Law 565.44. Michigan Law states that this should have been discharged within 60 days and today makes XXXX days since the loan was paid off. I have XXXX days left before I lose out on the sale of the house. I am requesting immediate action to be taken by Citizens Bank and the Lien to be released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding two solar loans financed through GoodLeap for residential solar installations completed by two separate solar contractors that are no longer operating. The first loan was associated with XXXX XXXX XXXX ( also known as XXXX XXXX ), and the second loan was associated with XXXX. Both companies are now defunct, leaving me with substantial loan obligations for systems that were sold through representations that I now believe were misleading and potentially deceptive. At the time of sale, I was presented with financing that was represented as a reasonable method of purchasing solar equipment. I later learned that significant dealer fees may have been embedded into the financed amounts, substantially increasing the principal balance of the loans. These fees were not clearly disclosed or explained to me in a manner that allowed me to understand their impact on the total amount financed. I have continued making payments and remain current on my obligations. However, I believe the financed amounts significantly exceed the fair market value of the equipment installed and that the transactions warrant review. I recently sent GoodLeap a written dispute and demand for investigation by certified mail. In that correspondence, I requested that GoodLeap review the underlying transactions, investigate the sales practices associated with these loans, and provide an appropriate resolution. As of the date of this complaint, I have not received a substantive response. I am requesting that GoodLeap : 1. Investigate both solar financing transactions. 2. Review the dealer fees and pricing associated with each loan. 3. Determine whether the loans were originated based upon misleading sales representations. 4. Provide a detailed accounting of all amounts financed, including dealer fees and payments received. 5. Work toward a fair resolution, which may include rescission, principal reduction, payment credits, or other appropriate relief. I am prepared to provide contracts, financing agreements, payment histories, correspondence, and other supporting documentation upon request. My goal is to obtain a fair review of these transactions and a meaningful response from GoodLeap regarding the issues raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I accepted a Balance Transfer offer with Citi for 0 % XXXX for any transferred amount until XX/XX/XXXX. The messaging on the notice I was provided was rather confusing. It was NOT clear that my ongoing day-to-day charges would now immediately have higher interest charges starting on the DAY OF the charge, which defeats the entire purpose of the balance transfer offer. Citi is the XXXX partner and it is clear that I use this credit card for day-to-day purposes. On XXXX XXXX, 2026, I performed the balance transfer to XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - ALL PRODUC {$7500.00} I was charged {$370.00} for the balance transfer fee on XX/XX/XXXX. XXXX XXXX, XXXX BALANCE TRANSFER FEE {$370.00} Once I learned that my payment would not cover my ongoing charges but would rather only cover the balance transfer ( the lower interest amount ), I spoke to multiple agents and was advised to repay the full balance transfer. I paid this amount on XX/XX/XXXX. XX/XX/XXXX2026 ONLINE PAYMENT, THANK YOU - {$10000.00} I was offered a chance to request a refund on the balance transfer fee of {$370.00}. I received a notice that Citi refuses to consider a refund of this fee even though it was suggested to be possible and " it happens all the time ''. I specifically paid that large amount for this reason, otherwise I wouldn't have done so. I believe this is predatory process that Citi has used here. What's worse is I have been a member of theirs since 2002 -- that is XXXX years. The customer service department is gating any escalation and I am asking the CFPB to help mediate this business practice. Thank you.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am requesting full verification of the alleged debt referenced in your recent notice, including the original creditors information, the claimed balance, documentation showing my obligation for the debt, and proof of your authority to collect it.

Company response to consumer: Closed with explanation