vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
A few months back I noticed that my credit card interest rate for the XXXX XXXX XXXX XXXX through Barclays Bank is extremely high at 33.24 %. Although I have a high debt to income ratio, I always pay my bill on time, I have a high credit score and do not carry a high balance on this card. I called Barclays today, XX/XX/XXXX, to attempt to get my interest rate lowered and I spoke with XXXX. She put me on hold for several minutes and said there wasn't anything she could do about lowering my interest rate unless I applied for a service called XXXX. Whether or not they went through the proper channels to inform me of any rate increases, it's irrelevant. They are charging onerous fees which are above and beyond what is fair an appropriate. I spoke with XXXX at CFPB who didn't give me any indication that a 33.24 % interest rate is illegal, which is shocking. I am attaching the most recent statement for XX/XX/XXXX as well as XX/XX/XXXX, which shows some purchases at 27 %. I want to make sure that companies like this stop ripping off consumers. Thank you for your attention to this matter.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I previously reported this to the lender but they refused to correct this error. The claimed that even though I could not have signed the power of attorney or loan agreement that their debt was justified. They changed the dates when they responded to CFPB. I have audio and written evidence that proves my claim that this debt does not belong to me. They withheld documents, refused to tell me who the debt was owed to, changed dates such as when the the power of attorney was signed, and when their fraud department was notified, they repeatedly closed the investigation for any reason. They closed it temporarily because the other party tried to assume the loan, yet they refused to accept it. After I filed a police report they closed their investigation without allowing me to submit any further information in regards to it. When they responded to CFPB they changed dates, avoided admitting wrongdoing and refused to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I filed XXXX XXXX bankruptcy and reaffirmed my auto loan with Nissan Motor Acceptance. The reaffirmation was approved by the court, and I have continued making payments. However, my account is being reported incorrectly as closed with a XXXX balance or is not reporting to all the credit bureaus. I have contacted Nissan Motor Acceptance multiple times and the issue has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services is refusing to correct my payoff amount despite verifying two refund checks totaling {$5100.00} have been issued and are in their possession. Check number one is [ XXXX ] for {$4100.00}. Check number two is [ XXXX ] for {$650.00}. Supervisors have verbally confirmed these checks exist after communicating with Toyota 's service contract department. Toyota Financial Services is citing a 30 day internal processing policy and refusing to apply these verified credits to my payoff amount. This policy is causing me direct financial harm. I have a time sensitive vehicle sale offer from XXXX expiring in 7 days. Because of Toyota Financial Services refusal to correct my payoff amount I am being forced to obtain an unnecessary personal loan of approximately {$10000.00} instead of the correct gap amount of approximately {$4900.00} a difference of over {$5000.00} plus interest. Toyota Financial Services has verified the funds exist. Their refusal to apply them is an unfair and abusive practice under the Consumer Financial Protection Act. I am requesting immediate correction of my payoff amount to {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These charges were made described as XXXX XXXX XXXX XXXX and were charged without my knowledge of what they were. I asked customer support what they were through online chat and notified them that I never signed up for any sort of security. They stated that they could not remove charge and wanted me to call or mail letter out to some other outsource because they for whatever reason do not handle that said charge. This seems very predatory and deliberate to prevent consumers from easily resolving this issue. I have never experienced any type of credit card that has done this. The interest rate also seems extremely high and I was not able to sign up for an autopay on the mobile app so I got charged a late fee several times due to making a payment late by a day max. I have been charged a total of {$97.00} due to this. Today is the first time i log into the website through a desktop and noticed an option for autopay. Again this seems very deliberate to cause consumers to miss payments.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: IL

Complaint narrative:
Today on XXXX at about XXXX XXXX they texted a relative a message stating they were a debt collector with business of mine gave a link to information about payment including a file number for access to the information. I have not recieved anything in the mail from them, and they have not contacted my husband prior. Their website did not have an email listed to utilize so I used their contact form to communicate that they were to cease those communication and only speak with me or my husband if they have business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint regarding a payment processing and account restriction issue with my Citibank XXXX XXXX XXXX. I made a payment on my credit card account from my external bank account. Citibank has confirmed receipt of the payment. Despite this, my credit card account has been placed on hold/restricted. When I contacted customer service, I was informed that in order to remove the restriction, I must provide documentation showing my personal bank account details, specifically evidence that the funds have left my external account. I find this requirement unreasonable and concerning for the following reasons : Citibank has already acknowledged receipt of the payment. The request requires me to disclose sensitive personal banking information beyond what should be necessary to resolve a payment verification issue. No clear explanation has been provided as to why this additional verification is required after funds have already been received. My account remains restricted despite my account being in good standing and payment being made. This situation has caused unnecessary disruption to my access to credit and raises concerns about Citibanks internal payment verification processes and customer data handling practices. Requested Resolution : Immediate removal of the account restriction Confirmation that no additional sensitive personal banking documentation is required Explanation of why this verification step was required after payment receipt Assurance that this issue will not recur under similar circumstances

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Product : Checking or Savings Account Issue : Problem with a deposit Sub-issue : Funds not credited / Check mishandled Complaint description : This is a follow-up complaint regarding a misapplied check deposit in the amount of {$1000.00} USD. Citi has formally responded ( XXXX XXXX XXXX ) stating that no claim exists and directing the originating bank to submit a recall request with a Uniform Indemnity Agreement. This response is unacceptable and does not resolve the issue. The situation is clear : The check was payable to me but deposited into the wrong account at Citi Citi closed that account and classified the matter as fraud The funds have not been returned to the issuing bank I have not received the money Citi continues to claim the check was already deposited, effectively blocking any correction Citi is attempting to shift responsibility to the originating bank for an error that occurred entirely within its own systems. This is not a dispute between institutions it is a failure by Citi to properly handle and correct a misapplied deposit. Despite being in control of the funds, Citi has failed to : Properly investigate and resolve the error Provide a clear accounting of the funds location Take corrective action to return or reassign the funds Offer any meaningful resolution Requiring a recall request under these circumstances creates an unnecessary and unreasonable barrier, prolonging the issue while the funds remain unaccounted for. At this point, Citi is effectively retaining funds that do not belong to the bank or the incorrect account holder, which raises serious concerns regarding improper handling, unjust retention of funds, and potential regulatory non-compliance. Citis lack of action, transparency, and accountability is causing ongoing financial harm. I am requesting that Citi : Immediately locate and release the {$1000.00} USD Return the funds to the originating bank OR properly credit the rightful payee without further delay Provide a full written explanation detailing where the funds have been held and why no corrective action was taken sooner Complete and document a formal internal investigation Compensation request : In addition to resolving the missing funds, I am demanding financial compensation for the prolonged delay, failure to act, lack of transparency, and the significant time, stress, and financial uncertainty this situation has caused. Citis mishandling of this matter has forced me to repeatedly pursue resolution without success, and I should not bear the consequences of a clear internal error. What resolution are you seeking? Immediate recovery and proper allocation of the {$1000.00} USD, full written confirmation and explanation of the resolution, and fair financial compensation for damages, inconvenience, and delays caused by Citi.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I am submitting this complaint regarding Chases handling of a disputed credit card transaction in the amount of {$26000.00} ( transaction date XX/XX/year>, merchant listed as XXXX XXXX XXXX ). Chase denied my dispute on the basis that services were rendered. However, this conclusion fails to address the central issue : the payment was diverted to a third-party account due to fraud and did not reach the intended merchant. The payment was initiated after I received fraudulent payment instructions that appeared to come from my contractors legitimate email account. I have since obtained technical evidence showing that these communications passed authentication from the contractors domain, consistent with a business email compromise. Based on these instructions, I submitted payment through a third-party payment processor. Critically, the contractor did not receive these funds. As a result, this transaction did not constitute payment for services rendered. I remain responsible for paying the contractor separately, which further demonstrates that the disputed charge did not fulfill its intended purpose. I provided Chase with : - Technical email header data demonstrating that the fraudulent communications passed authentication from the contractors domain - A copy of the fraudulent payment instruction email - A police report documenting the incident Despite this, Chase did not address whether the payment reached the merchant or whether the authorization of the transaction was induced by fraudulent, compromised communications. Instead, they relied solely on the fact that services were completed. I am requesting that Chase : 1. Reconsider this dispute under the correct framework whether the transaction constituted valid payment to the merchant 2. Address the evidence that the payment was misdirected due to fraud and did not reach the intended recipient 3. Provide a clear explanation of how a payment sent to a third party due to fraud can be considered valid payment for services rendered For context, another card issuer reviewing a related transaction has reopened the dispute and issued conditional credit based on the same underlying facts, indicating that this situation warrants further review. This is not a dispute about the quality of services. It is a dispute about a fraud-induced misdirected payment that did not reach the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
I am having difficulty making the payment. XXXX XXXX the other borrower left the home and has stopped helping pay the payments. I also lost my job ; I notified the mortgage company XXXX XXXX of this and that I would not have the ability to keep up with the payments. on multiple occasions over the phone, I asked about a deed-in-lieu or to modify and they told me no to both. They offered to help with the payment temporarily. that would not help in long term as I do not make enough money to pay the full payment on my own. so, they did not offer a long-term solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Different debt collectors keeps asking me to pay XXXX cable. I have submitted my XXXX dollar balance and I've sent cease and desist letters out. Moving forward I am going to start charging XXXX dollars per email, text, call, and/or etc from these individuals that keeps harassing me about a debt I do not owe and have not given XXXX any permission to sell my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NC

Complaint narrative:
I went on vacation to XXXX and made a purchase that I shipped home via XXXX. XXXX XXXX completely destroyed my item. I fought with them for months and finally was credited for the item I purchased, but XXXX XXXX said I had to use XXXX XXXX XXXX to be credited for my shipping. I did that and was issued a credit from XXXX XXXX in pesos. XXXX XXXX XXXX Issued my credit on XXXX. I contacted my credit card company and it's issuing bank to assist me with retrieving my credit using the information XXXX provided to me. Instead, both opened disputes for me and both advised me it had been too long to issue me a credit. I NEVER wanted to dispute the charges, I wanted them to find my credit and put it in my account. I provided both companies, XXXX XXXX XXXX and US Bank, with the ARN #, XXXX XXXX, Transaction type-Refund, Transaction amount- {$3600.00}, my card #, and a movement number. Both opened and closed disputes, NOT WHAT I ASKED FOR THEM TO DO. I still do not have my money and they did not assist me at all. Per research that I did, the ARN number is a XXXX digit code assigned to a credit or debit card transactions ( XXXX, XXXX, etc ) as they move from the merchant 's bank to the cardholder 's bank. It is primarily used to track, verify, and reconcile payments and is essential for locating funds, particularly during refunds or chargebacks. I DO NOT UNDERSTAND WHY MY CREDIT CARD COMPANY OR ISSUING BANK COULD NOT OR DID NOT ASSIST ME. I have had this card since at least 1996 and thought they valued their customers more than this. I contacted them in XXXX when the incident happened. I did not feel disputing the charges was correct, I felt like they should use the information I gave them to assist me and retrieve my money. I am still out of my money that is waiting for someone to take the necessary steps to go and retrieve my funds .When I contacted XXXX with all this information, a representative advised me that XXXX XXXX was lying and had not issued refund. XXXX XXXX in XXXX verified with their bank in XXXX that the credit had issued my credit and they in fact were not lying about my refund.

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 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Sent funds through XXXX from my financial institution who offers this service. However, the funds where sent to the wrong individual using a mobile number and the person isnt willing to provide me my money back and the financial institution is not willing to assist to get my money back which is too much money sent that Ill be losing. I simply cant afford to lose my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: FL

Complaint narrative:
I am disputing a debt collector 's authority to collect and report an alleged account. The collector has not provided documentation demonstrating ownership of the debt or a valid assignment from the original creditor. Despite lacking proof of legal standing, the collector continues to report the account as owed. Reporting and collection without lawful authority violates FDCPA 807 and 809 and constitutes deceptive collections practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2024 Balance {$2800.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/2024 Balance {$2800.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/2024 Balance {$2800.00}

Company response to consumer: Closed with explanation