vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I met with XXXX XXXX XXXX ( Business Relationship Manager ) and XXXX XXXX ( Branch Manager ) at the Citibank branch located at XXXX XXXX XXXX, XXXX XXXX. There, we spent over an hour opening CitiXXXX XXXX and XXXX accounts, to participate in the promo to earn {$1000.00} after depositing {$50000.00} in new-to-Citibank funds within the first 45 days of account opening and maintaining them for days 46-90. Per the terms, a business XXXX account can be opened along with the checking account, and linked to it, to complete the funding and balance requirements. I supplied all requested information, the account was successfully opened, and I fully met the terms. On XX/XX/XXXX, I personally met with XXXX XXXX, who spoke to XXXX XXXX XXXX via phone ( while I was at his desk ), and confirmed I had fulled met the promotion 's terms and was eligible to remove funds from the account, as needed. It is now XX/XX/XXXX, a full 90 days past when I met the promotion 's terms, and the bonus still has not posted. Over the past month-plus, I have interacted with XXXX as he escalated the issues of me not being paid the bonus I am due. XXXX explained he is certain that the lack of payout is due to a " system glitch, '' which he is working with his superiors to resolve. On XX/XX/XXXX, I received a letter in the mail ( attached ) from Citibank, saying that my bonus was denied because " You did not meet the promotion terms because you are not Tax Certified. '' I own ( and am the sole employee of ) an XXXX which has been in operation since XXXX, XXXX. I have a city business license as required to operate, I am current with all filings with the IRS and California 's Secretary of State. I have no idea what " Not Tax Certified '' means. The letter does not elaborate. After scouring the promotion 's terms ( also attached ), it appears the letter might be referring to the fact that a XXXX was not submitted with my application. AT NO TIME DURING THE APPLICATION PROCESS DID EITHER BANKER ( one of whom is the branch manager ) REQUEST A XXXX, PROOF OF GOOD STANDING WITH THE CA SECRETARY OF STATE, OR PROOF OF REQUIRED BUSINESS LICENSES. I provided EVERYTHING the two senior bankers who opened my account requested, and it was used to fully open my account. If a XXXX was required to open the account and meet the promo terms, it is the error of the bankers who did not ask for it during application opening ( as well as the back-office, who opened my accounts without it ). I have no problem providing a XXXX now. But this error is the bank 's fault, not mine.

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 2026-05-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MO

Complaint narrative:
My old card expired XX/XX/26, I recieved a new XXXX XXXX XXXX and activated it and set my pin. I am unable to make any purchases for some reason and i am unable to get ahold of anyone from XXXX XXXX. I have called multiple times and it keeps telling me that XXXX XXXX Customer Service is experiencing higher call volumes and hangs up on me. I need to pay my bills now and have no access to my funds on my card. I can't wait for XXXX XXXX Call Times to Decrease, i need my money now! If there is a lock on my card for some reason, they need to unlock it and let me use my funds! I have bills to pay, that cant wait!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a chargeback for an item i purchased and the case was resolved in my favor by being given the refund. however, i was charged {$13.00} on XX/XX/year> as an adjustment for fees and interest by my paypal cashback mastercard. i tried contacting them and they said they would look into this but never heard back.

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 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered a product and paid through their service app. Despite submitting complete and accurate evidence to support my case, they have refused to issue a refund. The facts clearly justify my claim, yet they continue to withhold my money even though, under their own policies, I am entitled to a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I have been waiting since XX/XX/year> for a buyback offer. I have sent multiple requests, and the company states that I need to wait 45 business days. I have been waiting for 1 year for my buyback offer. They have not given me a timeline for the buyback offer.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: VW Credit
State: MO

Complaint narrative:
I am submitting this complaint regarding my auto loan due to deceptive sales practices, lack of proper disclosure, and a loan structure that has caused ongoing financial harm. At the time of purchase in XX/XX/XXXX, I explained that I am a XX/XX/XXXX and needed a reliable vehicle with an affordable monthly payment. I expressed concern about the payment amount, but I was rushed through the signing process and required to sign electronic documents without adequate explanation or time to review the terms. The loan includes approximately XX/XX/XXXXXXXX in add-on products that were not disclosed to me as optional. These items were presented as already included with the vehicle, and I was not informed that I could decline them. As a result, I unknowingly financed these products and am paying interest on them. My total financed amount increased from approximately {$34000.00} to {$42000.00}, including charges that were not clearly explained, such as a portfolio fee. Additionally, I was charged for a temporary tag that I never received, and I did not receive my contract and documentation within the required timeframe. I was told that my first payment would not be due until XX/XX/XXXX. However, my loan balance increased during the firstXX/XX/XXXX days of ownership due to accrued interest, which was not clearly explained to me at the time of signing. My payment history demonstrates that a significant portion of my payments has been applied to interest rather than principal. In XX/XX/XXXX, I made a payment of approximately {$2500.00}, yet my loan balance only decreased by about {$670.00} the following month. This indicates that a substantial portion of my payment was applied to interest and/or fees rather than reducing the principal balance. Despite making payments, my balance has remained above {$33000.00}, and I have incurred late fees, past-due balances, and collection-related charges over time. Even when making larger payments, a significant portion continues to be applied to interest. Due to the financial burden of this loan, I have been unable to afford the required sales tax and registration for my vehicle, which further demonstrates that the loan was not structured in a financially sustainable manner based on my disclosed circumstances. Overall, I believe I was not provided with clear, transparent, or complete information regarding the true cost and structure of this loan, and I am now experiencing ongoing financial harm as a result and at risk of repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
Someone used my name to obtain housing in XXXX at XXXX XXXX XXXX XXXX, XXXX, IL XXXX or Hunter Warfield is trying to use my information to collect a debt that they know is not mine. I have never lived in XXXX in my entire life. It is not the first time I told them the debt ( XXXX ) is not mine. I also told them that I would file a lawsuit against them. They sent me the whole ledger from this debt. I see everything except the social security number. The tenet is XXXX XXXX, XXXX, XXXX Landlord : Commercial Acquisitions, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Fraudster : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX -- XXXX My information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Revolut Technologies Inc.
State: WA

Complaint narrative:
Subject : Unauthorized Credit Card Charge Inconsistent Dispute Outcome I am filing a complaint regarding an unresolved unauthorized transaction on my Revolut XXXX credit card issued by XXXX XXXX XXXX. On XX/XX/year>, nine ( 9 ) transactions were made within approximately one hour to the same merchant ( XXXX ). I did not authorize any of these transactions and reported them immediately. Revolut has already : - Upheld 7 disputes as fraud, - Permanently refunded 1 transaction, - Confirmed my card was compromised. However, one transaction for {$400.00} was denied, despite being part of the same sequence, same merchant, same timeframe, and same compromised card. The issuers justification relies on matching email/account details, which is not proof of authorization and is consistent with account takeover fraud. No evidence of Strong Customer Authentication ( XXXX XXXX/biometric ) has been provided. Under the Fair Credit Billing Act, I am not liable for unauthorized charges. The issuer must demonstrate that I authorized the transaction. Given that 8 identical transactions were already deemed fraudulent, denying the remaining one is inconsistent and unsupported. I request : 1 ) Reopening and approval of the {$400.00} transaction as unauthorized fraud, consistent with the other 8 transactions. 2 ) Disclosure of any authentication evidence ( XXXX logs, device/IP ) purportedly linking me to this charge. 3 ) Correction of my account and confirmation that I bear no liability. I have attached supporting documentation showing the pattern and prior outcomes. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I've had this card for almost a year My quicksilver Capital One and about a month and a half ago they blocked my card and wanted me to verify my identity. Which I have sent XXXX separate times and each time they keep getting denied and I am sending the correct documentation. The XXXX time I sent my water bill along with the front and back of my ID. The XXXX time I sent my electric bill along with the front and back of my ID and the XXXX time I sent my bank statement with the front and back of my ID and it's still getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check in a bank of america branch it's a check from someone that I deposited many times and thr bank has a great record about him, When I deposited thr check the bank didn't notify me about any hold on it so I deposited the check with no problem, The next day I get a notification on the bank site thatbthe check is on hold for 10 days!!! It's really messing up my business and it's not the first time, I have other banks where I could deposit the check and guarantee have it the next day, and if I would know that they will keep our funds i would of deposit it in my other bank, The check was cashed out from the maker the next day but the bank is keeping the funds for no good reason, Last time that it happened I tried to contact the bank but they didn't even try to release the funds so I'm reaching out to you to help me with the bank that doesn't care about me us a client, I would appreciate if you can help us get the funds released quick and make sure the bank is not freezing funds that belongs to us,

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 2026-05-03 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: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> I received a call from someone named XXXX who said he worked for XXXX. I had just signed up for service and thought it was a welcome call. XXXX said he was calling as a courtesy to help me make my 1st payment for {$290.00}, I looked online with XXXX and saw the payment was made. XXXX told me the transaction would shiw as " XXXX XXXX XXXX '' instead od XXXX because of their payment platform. Days later XXXX turned off my account for non payment. When I called they confirmed the person who called me was fraud. I called chime and filed a complaint to get my money placed back into my account dur to fraud. Chime refused claiming the charge was valid even after XXXX confirmed it was fraud. XXXX could not return any money because they never received it, the fraud person XXXX received it and chime refused to give it back.The first number XXXX called from is XXXX, then he called me again Friday XX/XX/year> from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Identity Theft, Data Breach Exposure, and Inaccurate Credit Reporting I am submitting this complaint to report identity theft and the presence of inaccurate, unverifiable, and unauthorized information on my consumer credit profile. I recently received alerts indicating that my personal information was exposed in a data breach. After reviewing my credit reports, I discovered multiple accounts, names, addresses, phone numbers, collections, late payments, and other derogatory marks that I do not recognize and did not authorize. These items are not mine, and I have no knowledge of or involvement with them. As a result, I believe I am a victim of identity theft. Specifically, my credit profile contains : - Unauthorized accounts and collections- Inaccurate personal identifying information ( names, addresses, phone numbers ) - Late payments and derogatory marks that are not associated with me- Information that is unverifiable and does not belong to me I am requesting the following actions : XXXX. A full investigation of all disputed items under the Fair Credit Reporting Act ( FCRA ) XXXX. Immediate blocking and removal of all fraudulent accounts and inaccurate information related to identity theft XXXX. Verification of all remaining accounts, with removal of any information that can not be properly verified XXXX. Correction of all personal identifying information to reflect only accurate and authorized data I also request that all furnishers of this information provide proper documentation proving that the accounts and data belong to me. If they can not do so, the information must be removed. Please note that I am prepared to provide any necessary documentation, including an identity theft report and supporting evidence, upon request. I expect this matter to be handled promptly and in full compliance with federal consumer protection laws.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
What happened : I am filing this complaint regarding my account with Concora Credit. I have made multiple attempts to address my account in good faith and have clearly communicated that I am still struggling financially. I am not confused about my account status. I am fully aware that my account is overdue. Despite this, Concora has FAILED to provide anything meaningful in response to my requests. I have asked for hardship assistance or alternative options and have received nothing but generic, canned responses that do not address my actual situation. This is not a legitimate reviewit is a refusal to help while continuing to expect payment. As a direct result of this lack of assistance, my credit has suffered. Instead of working with me to prevent further damage, Concora continues to ignore my circumstances and offers no viable path forward. To make matters worse, I can no longer access my account. I am unable to log in to the website despite multiple attempts. This prevents me from reviewing my balance, monitoring activity, or managing payments. It is unacceptable to demand payment while simultaneously restricting access to the account. I also have an active CEASE AND DESIST in place and have clearly instructed that ALL communication must be restricted to written correspondence only. These instructions have been provided and should be reflected in my account. Concoras conduct demonstrates multiple failures : - Refusal to provide meaningful hardship assistance - Failure to conduct an individualized review - Denial of access to my account - Continued pressure without providing support - Disregard for documented communication instructions I have made repeated good faith efforts to resolve this issue. Concora has failed to respond appropriately and continues to ignore my situation. I am documenting all communications and maintaining detailed records of this behavior. This documentation will be provided to regulatory authorities as evidence of a pattern of noncompliance and improper account servicing. This situation must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am disputing this account because it is being reported inaccurately and inconsistently. The balance, account status, and payment history do not align and do not reflect verifiable activity. I previously disputed this matter, yet the furnisher continued reporting the account without conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ). Additionally, the information being reported appears unreliable and incomplete, and I have not been provided with adequate documentation to substantiate the debt or the accuracy of the reporting. Despite my prior dispute, the account remains unchanged, which indicates a failure to properly investigate. This inaccurate reporting is damaging my credit profile and violates my rights under federal law. I am requesting that this account be either corrected to reflect accurate, verifiable information or deleted entirely. This appears to be a repeated failure to conduct a reasonable investigation despite prior disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I sent two validation letters back in XXXX because I seen on my credit that I had two different account with them that I did not recognize. I ask for validation about these accounts and I never heard back I from anyone. Its been over a month and I need to know why these two different accounts are on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Jefferson Capital Systems for an alleged XXXX account in the amount of {$5000.00}. I have disputed this account, but I have not been provided with sufficient documentation proving that this debt is mine and that the information being reported is accurate. I am requesting full validation of this debt, including documentation showing I am legally responsible for it, the original signed agreement, and a complete and accurate payment history. If this information can not be properly verified, I am requesting that this account be removed from my credit report immediately. This account is negatively impacting my credit, and I am seeking a proper investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2026, I attempted to use my USAA Visa debit card and it was declined. I went onto my mobile app and it said my accounts were restricted savings and checking. I was unable to stop my work check deposit it went in the following morning, no one would give me an answer just that it was under review for fraud. My account has been hacked many times. I currently have {$2100.00} in my checking and {$1000.00} in my savings they say they are waiting for a dispute that has been ongoing for months to clear and the dispute that they are trying to dispute is actually a credit card that I have intern put into a debt consolidation program and a payment was made after that which is why it was being disputed I have called multiple times. No one gives me answers. I just keep getting told I have to wait 60 days and then possibly another 60 days to get my money. I have bills to pay. I have banked with these people for almost 19 years. No one seems to care.

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