vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was forced to close my XXXX XXXX XXXX card because Citi was unable to stop fraudulent charges from clearing my account. In doing so, I lost {$770.00} in annual fee benefits paid in XXXX of XXXX for the card. On XX/XX/XXXX, I noticed XXXX fraudulent charges from the XXXX vendors. I reported these, a new card was issued. for the next 4 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - I received XXXX fraudulent charges from the same vendor each day for ~ {$65.00}. Citi was unable to explain to me why I was still getting fraudulent charges AFTER a new card was issued. They also could not tell me how to avoid getting these fraudulent charges. I decided the only way to stop these charges was to close the account ( and the charges did not stop until I closed the account ). I was not interested in calling them daily to report fraud from known fraudulent locations. I also was not willing to take the liability of these charges. In closing the account, I realized that I lost access and benefits that I paid for with my Citi american advantage executive card. I called to get the situation rectified - I request one of two options 1 ) a prorated refund of the card annual fee 2 ) a reinstatement of the account with the card deactivated. Citi would not provide a refund because the account was closed and indicated to get the account reactivated, i would have to reapply and get a credit check, etc performed. This was unacceptable because the only reason I closed the account is because CITI could not tell me how to prevent fraudulent charges. Citi is in breach by not providing the product and service paid for by my annual fee. There were no other options provided in my calls with the CITI agents to eliminate the fraud charges and I was not willing to call daily when fraud occurred on the card. The fraud charges were clearing, so it was on me to call and dispute them. Had I not closed the account, there is not telling how long this would have gone on...

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Truist Bank regarding my checking account, Account Number XXXX. In XX/XX/year>, I deposited a check from an individual for approximately {$10000.00}. The check bounced, which caused a negative balance on my account. The situation was resolved within a few days. The balance was brought to zero and the account was put under review and subsequently closed. I have submitted this check multiple times without any issues. Despite this, Truist Bank reported my account to XXXX XXXX XXXX as checking account fraud. I filed a dispute with XXXX XXXX XXXX, but they were unable to resolve the issue. This situation has greatly affected my life. XXXX XXXX closed two of my credit card accounts as a result, and I am unable to open a bank account anywhere. I am suffering because of this. I am asking the CFPB to investigate this matter and require Truist Bank to remove the inaccurate checking account fraud designation from my Early Warning Services report. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WI

Complaint narrative:
I sent out a certified letter requesting to confirm this account belongs to me. There was no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding the handling of our insurance loss claim and mortgage servicing by Lakeview Mortgage and the subsequent transfer of servicing to XXXXXXXX XXXX Our property sustained a fire loss in XX/XX/XXXX. An insurance settlement check was issued ; however, on or around XX/XX/XXXX, Lakeview Mortgage informed us that the insurance check could not include the independent XXXX as a payee and required that the check be reissued. This caused a significant delay, as we did not receive the reissued check until XX/XX/XXXX. The original process itself lasted until approximately XX/XX/XXXX. After receiving the reissued check, we immediately resubmitted it to Lakeview Mortgage with all required endorsements and signatures. Despite this, on or around XX/XX/XXXX, Lakeview returned the check, incorrectly claiming that all required signatures were not present. In fact, the bank XXXX had properly signed the check. We returned the check again with written explanations clarifying the signatures. Throughout this process, we repeatedly contacted the company handling the insurance claim process, XXXX We were instructed that we needed to submit the insurance adjusters worksheet in order for the claim to proceed. This documentation was submitted on or around XX/XX/XXXX. During XXXX of the calls between XX/XX/XXXX, and early XX/XX/XXXX, we were incorrectly informed that the property was considered a total loss and that the mortgage would be paid in full. This information was inaccurate, as the property was not deemed a total loss and we elected to repair the property. Compounding the issue further, on XX/XX/XXXX, servicing of our loan was transferred from Lakeview Mortgage XXXX XXXX Mortgage while the insurance loss claim was still unresolved. Since the transfer, we have been unable to obtain clear information regarding where our insurance settlement funds are being held. We have also been told that it may take an additional 30 days or more before any meaningful information can be provided. This delay has caused severe financial hardship. We are continuing to lose rental income due to the inability to begin repairs, and contractors involved in the project are becoming increasingly frustrated and are threatening to withdraw from the work due to the delays caused by the mortgage servicers mishandling of the claim. I believe mortgage servicing should not be transferred while an active insurance loss claim is pending, particularly when settlement funds have not been properly processed or released. I am requesting assistance in obtaining the immediate release of our insurance settlement funds so that repairs can proceed without further financial damage. 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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I am writing to file a formal complaint about a fraud incident that led to a financial loss from my Chime account. On XX/XX/year>, at approximately XXXX XXXX, I received a call from individuals impersonating law enforcement officers. They claimed I missed a jury trial in my hometown of XXXX XXXX, Iowa, and that I had two citations : one for failure to appear and one for contempt of court. They pressured me, saying that if I did not put these citations into a frozen status, I would be at risk of arrest. They instructed me to pay {$4000.00} through my bank, Chime, to the county. When I said I could not afford that, they claimed a higher official could reduce it, lowering it to {$3000.00}, split into two payments of {$1500.00}. They gave me instructions to send the money, which I did via Chime. After making the payment, I drove to the XXXX Police Department on XX/XX/XXXX, but I did not enter the building ; instead, I remained in my car and called Chime to file the dispute. It wasnt until Friday, XX/XX/XXXX, that I contacted the XXXX Police Department again, and an officer came to meet me to file a fraud report in person. After receiving the report, I sent it to Chime and reopened the dispute. Despite this, Chime denied the claim again on XX/XX/XXXX, stating that because I sent the money myself, it was considered my responsibility, and they would not reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
First issue : Citibank XXXX, paid off balance of XXXX XXXXXXXX and some change XXXX years ago, they asked for an additional XXXX XXXXXXXX in additional fees after the bill was paid maybe XXXX days after, I paid the statement balance and which was on the the most recent statement I had. Several conversations with them after I refused to paid that amount they requested after the statement balance was paid. I paid what was agreed and advertised on the printed statement. Second issue : XXXX XXXX XXXX, same scenario,. I paid then XXXX XXXX, approximately, about XXXX days later they attempted to get another XXXX XXXXXXXX from me.What was paid was the amount reflected on the printed statement, as noted on the Citi card statement. Both accounts were settled with a few days of each other. My credit score took a major hit and continues to this day.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Financial has failed to address my concerns after being notified twice in writing that the debts on my account are disputed. They have refused to return the debt to the original creditor or remove the negative credit remarks from the major bureaus as requested. My attempts to work out a settlement with them directly led nowhere, leaving me in a difficult position with my credit standing. I need this situation rectified so my account can be sent back to the original creditor where I can work out a fair arrangement. The current lack of action from Monterey Financial is preventing me from moving forward and resolving my financial obligations. It is hard to find a path toward a solution when my written disputes are ignored. Please assist me in ensuring Monterey Financial complies with my request to step aside and clear the negative marks from my credit history. I want to handle this debt responsibly with the original party, but I need these obstacles removed first. I look forward to a resolution that restores my credit profile and returns the file to the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a XXXX XXXX XXXX XXXX ( XXXX XXXX ) at XXXX XXXX, an in-network provider with my insurance, XXXX ( XXXX ). I paid {$250.00} at the time of service. XXXX processed the claim ( Medical Claim # XXXX ) and determined my total patient responsibility is {$0.00}. The full {$3000.00} was applied as an in-network plan discount. The XXXX Explanation of Benefits dated XX/XX/XXXX, confirms {$0.00} owed. Despite this, XXXX billed me {$2700.00} ( the original {$3200.00} minus my {$250.00} payment and a {$170.00} adjustment ). I contacted XXXX on XX/XX/XXXX and spoke with agent XXXX, who confirmed XXXX can not bill me and said XXXX would send a balance bill letter to XXXX. That letter was sent but XXXX did not comply. By approximately XX/XX/XXXX, XXXX sent my account to XXXX XXXX XXXX. I emailed XXXX on XX/XX/XXXX and submitted a billing inquiry through their portal on XX/XX/XXXX ( Tracking # XXXX ). On XX/XX/XXXX, XXXX sent a second balance bill letter to XXXX. XXXX responded on XX/XX/XXXX asking for my XXXX, which I sent. On XX/XX/XXXX, XXXX agent XXXX confirmed the situation and advised waiting 45 days. In XX/XX/XXXX, the debt was transferred to a second collection agency, Transworld Systems Inc. ( TSI Account # XXXX ). I submitted an online dispute with TSI on XX/XX/XXXX, and sent a formal certified dispute letter to TSI, an escalation letter to XXXX, and a final demand letter to XXXX, all via certified mail in XX/XX/XXXX. As of XX/XX/XXXX, XXXX still shows the account as " in collections '' on their website. I have not received a response from TSI, XXXX, or XXXX to any of my certified letters. This debt is invalid my insurer confirmed I owe {$0.00}, XXXX violated its provider agreement by balance-billing me, and two collection agencies have attempted to collect a debt I do not owe. I am also owed a refund of the {$250.00} I paid at the time of service. I am requesting that : ( 1 ) TSI cease all collection activity and close this account ; ( 2 ) any negative credit reporting be removed ; ( 3 ) XXXX XXXX out Invoice # XXXX and refund my {$250.00} payment ; and ( 4 ) this matter be fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year> I paid seller XXXX XXXX XXXX {$51.00} via PayPal for a sweater, transaction ID XXXX. She filed a bank chargeback misrepresenting herself as the buyer. PayPal ruled against me without reviewing my evidence and charged me {$65.00}. I have screenshots proving PayPal inserted and backdated a + {$35.00} received entry into my account after the ruling that did not exist in my original activity record. This is fraud. Case ID XXXX. I am requesting full investigation and reversal of the {$65.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Yes my niece who I purchased the car for. Have been talking to the XXXX in the ally fraud department asking for them to reverse the loan due fraudulent activity with this loan. First, it was misrepresentation with the car stating the car has never been in an accident and it has been thats the first thing. I also asked them to prove the signature that is on the contract ally have on file because the signature that is on file is a XXXX XXXX signature and I never did a XXXX XXXX. Its a signature that is not mine and I asked ally to prove where this XXXX XXXX come from and they have not given me this information and they want to close the fraud investigation did no work had me in limbo for over a month. I need someone to make Ally investigate where this XXXX XXXX came from because its not my signature, I never did a XXXX. I dispute the validity of the alleged e-signature on this agreement. Please provide complete proof that the electronic contract was properly executed and that I personally signed and authorized all documents connected to this transaction.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP
State: GA

Complaint narrative:
Its reporting as a charge off and I requested a 1099-C but, they didnt furnish it. I gave them all the details of the account, including the account number, the discrepancies. But, they came back asking for the information again to avoid turning over the 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
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 non-monetary relief
Consumer complaint received 2026-05-11 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: NC

Complaint narrative:
I have a previous complaint that XXXX ( XXXX ) double charged me for a hotel deposit. I confirmed with the hotel that there was only one hold charged. There is no way to dispute a pending charge, and Cashapp will not release pending funds for 30 days ( although they claim 10 days I can not find a consumer who has had it released in 10 days ). Cashapp responded to my CFPB complaint, asking for several pieces of information to release the funds. I provided that information, and they stated my documentation was not sufficient when it was. They are liars and are running the clock out on when by their policy they would be releasing my funds in three days anyway. They will not take my documentation even though it is accurate and provides what they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect 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 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Refinanced this loan last XXXX, the company refused to mail the lien release to the XXXX XXXX or myself to remove them as the lien holder on the title. I have called repeatedly to resolve this and they say its in the mail and I never receive anything. I have also checked to ensure they have the correct address.

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