vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have repeatedly asked Santander to adjust the interest and principal on the three loans that date back to XXXX of XXXX. I bank has escalated the case but I have not had a resolution and has transferred the loans to XXXX XXXX. Please resolve the issue and credit the interest and principal on the three loans.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Statement of Fact : On XX/XX/year>, at XXXX XXXX, I contacted XXXX via Chat to ask if I could consolidate/merge my Rewards Checking XXXX points into my XXXX Card XXXX account. I did not ask to simply " link '' accounts, but to merge the balances. The agent confirmed it was possible and proceeded. Within 5 minutes, my checking points disappeared entirely, leaving only the XXXX balance. I was told to wait 48 hours, but the points never appeared. Service Failure & Bad Faith : 1. XX/XX/XXXX : I called Amex. I was transferred about 5 times between the Checking and XXXX XXXX for over an hour. A representative named 'XXXX ' from the Checking team asked me to hold, and after 30 minutes of waiting, she intentionally disconnected the call. I called Amex again, but after waiting on hold for over 30 minutes without getting connected to anyone, I hung up. 2. XX/XX/XXXX : I called again. I was transferred 9 times. Most agents did not understand the technicality of their own system and showed visible frustration/annoyance. Again, the call was disconnected by the agent while I was waiting for a resolution. The male representative I spoke with near the very end went so far as to scold me, despite having no idea what kind of situation I was in. Conclusion : To facilitate a smooth resolution, I proposed a three-way conference call involving myself, the XXXX XXXX, and the Checking Account team, but the proposal was declined. I have been transferred more than 14 times in total. I have been treated with extreme disrespect, and Amex has failed to locate my missing property ( XXXX XXXX ). I feel that agents are intentionally avoiding my case by bouncing me between departments. I demand an immediate manual restoration of my missing points and a formal investigation into this horrific customer service experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They have not provided proof that I have a contractual obligation to pay them. They haven't sent a copy of the original agreement bearing my signature and a complete chain of ownership from the original creditor They keep replying nothing has changed but haven't conducted any type of investigation and nor have they provided me with the information requested above, as such I request that this account be permanently deleted from all bureaus and that no further action now or in the future be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

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 non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a fraud claim reimbursement check that I never received after my checking account was closed. Bank of Americas claims department informed me that a reimbursement check in the amount of {$1700.00} was approved and mailed to me as part of the resolution of my claim # XXXX. However, I never received the check. I contacted the claims department multiple times to follow up on the status of the payment. During these calls, different customer service agents provided conflicting and inconsistent information regarding the mailing dates, check numbers, and status of the check. Each representative gave different details, and I was unable to obtain a clear or reliable answer about whether the check was actually mailed or where it was sent. Despite my repeated efforts to resolve this issue directly with Bank of America, I still have not received the {$1700.00} owed to me. The inconsistent information and lack of accountability have caused significant frustration and concern. I am requesting that Bank of America : Conduct a full investigation into the missing reimbursement check ; Confirm whether the check was actually issued and mailed ; Void any lost or uncashed check if necessary ; and Reissue and mail my payment check promptly through a secure and trackable method. I would also like Bank of America to provide accurate written documentation regarding the status of this and the actions taken to resolve 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 monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi XXXX XXXX XXXX opened in XX/XX/XXXX. Total balance on card as of today = {$3100.00}. Prior to this I have never used Citibank or had a XXXX under my name. My mom started receiving email statements to her email address, this is strange as all my other statements would go to my own email address. I called Citibank ( XXXX ) and explained the situation, they transferred me to their fraud department. They cancelled the card and told me an investigation will be opened and someone will follow up with me regarding the outcome. No one ever followed up from Citibank. I submitted credit disputes with both XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX. I called XXXX today and they explained in order for the fraudulent account to be removed from my name they need a report from FTC/CFPB.

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 2026-05-12 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 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 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I applied for a loan in mid XX/XX/year> through the agency 's website. I was pre-approved per the message i received online when I submitted. Never got any notification otherwise. I have tried multiple times to get in touch with someone that can give me a response. Multiple calls, emails, voicemails have resulted in no response! This is the worst loan agency. At this point I just need a response from the useless manager that this " pending '' loan has been closed under my account. And I want the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Payment for services was made to XXXX card ( XXXX ) of {$2900.00} on XX/XX/2026. Check # XXXX for that amount has been cashed by XXXX ( see scanned check front and back ). This occurred during the transition of XXXX to Capitol One who is now billing as they did not receive payment. We can't reach XXXX with old account information as the calls roll over to Capitol One. We have reached out to Capitol One on several occasions ( see Scanned info ) with the above information. We continue to be denied resolution. It seems Capitol One 's issue is with XXXX since XXXX cashed the check. Capitol One continues to send late notices requesting payment and assessing late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: DC

Complaint narrative:
XX/XX/year> is when it supposedly happened but I did see the negative balance until the following week which I wasnt never supposed to be charged because I used a whole different card to purchase with them. But XXXX still allowed them to take XXXX dollars out my account the XXXX dollars then XXXX dollars then XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Approximately XX/XX/XXXX I updated my profile email address to use XXXX. When attempting to send funds discovered that it was restricted. Contacted customer service to confirm reason why since XXXX has not been used. Customer support verified all of the information was correct and I am not enrolled at any other banks for XXXX. The customer service agent stated that a ticket was opened for review and the turnaround time is approximately three business days. I have made several calls to see why this is still not resolved. No one has given a definitive response and Im still unable to access XXXX with my bank. Its been over 30 days since this transaction was initiated.

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 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CrossCountry Mortgage LLC
State: ND

Complaint narrative:
I was approached and called by my mortgage lender XXXX XXXX with cross country mortgage about refinancing my home. She had told me the rates were much lower and that refinancing my home would be in good interest of me. She asked for information including paystubs mortgage statements etc. which I gave her. A few weeks later she again stated the interest rates of the home were way low and wanted to refinance my home. She wanted to move me to a conventional loan. She promised/stated my monthly payments would be lower by XXXX dollars. And that I would miss 2 mortgage payments.I had shared with her that I was XXXX and due in XXXX. She took advantage of that and promised me lower and missed payments on my mortgage. She made me pay for an appraisal which was {$1000.00} but promised I would be getting that money back along with another {$1800.00} at closing. A few weeks later she sent me what my monthly mortgage would be and the interest rates she wanted me to have. My current mortgage rate is around {$2500.00} and she had my new mortgage at {$2500.00}. I asked many questions and she continued to state it was all in my best interest and will help me in the long. Run. And continued to say I would be getting money back and miss mortgage payments. I was trusting her until I realized she wanted me to refinance to a higher interest rate. My current interest rate is 5 % and she wanted me to refinance to 5.99 % this was when I contacted my realtor and asked if this was right to refinance to a higher interest rate. I called her the day I was suppose to close. She told me no we brought this to the title team. They explained that she was trying to take XXXX of my equity away from me just to refinance to a higher interest rate. I did not close on that deal with her and after I told her I was not going to go through with it she continued to harass me with calls and text messages continuing to try and get me to go through with the refinance. Ultimately I want my appraisal money back which was XXXX. She is aware that I asked for that money back and will not give it to me. Having a XXXX at home I would really appreciate having that money back and she knows that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2026 I deposited a check from a XXXX bank account funded in USD. They told me that it would clear in 3-4 days. I received a letter dated XXXX XXXX, XXXX stating that they are collecting the funds and that it might take 4 to 6 weeks. I phoned Chase on XX/XX/2026 asking why it hasn't been deposited yet. I noted that similar deposits on this account through all other banks all cleared in ten days or less. 1 ) Chase stated that 3-4 day desposit was untrue but offered no explanation why the teller would tell me otherwise. 2 ) Chase disputed that my deposit on XX/XX/XXXX did not count towards the 4 to 6 week collection time even though my Collection Receipt is dated XX/XX/2026. Their claim is collection time starts the date of the letter XXXX XXXX. 3 ) I told them that I would allow for the addition 5 day business collection time, and set expectations to XX/XX/XXXX, otherwise I would pursue more assistance in this matter. It is now XX/XX/XXXX and I am following through on my end. 4 ) Chase blamed the XXXX bank, and claimed that was " not in their control. '' I reiterated that this duration has never been my experience with this deposit situation at any other XXXX XXXX, nor any others in the US that have received checks from this foreign bank account funded with USD. I understand that there can be delays in clearing a deposit, but it does not explain why they are now 30 days ( and longer ) to collect longer than any other United States bank. I can not understand why a bank, the largest in the US and 5th largest internationally, is incapable of transferring US money back into the US economy commensurate with smaller banks that do not have their internation al prestige. In my experience, this is lacking professional diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
My mom XXXX XXXX died intestate on XX/XX/XXXX. The past 6 years have been agonizing as I endeavored to keep our home. Lost job ( covid ) mom ( serious medical challenges almost lost life ), led to loss mitigation. Waiting to be deemed successor of record? I was hopeful of a mortgage where I alone as Im accustomed to living. Knowing the primary was gone, their was a large amount of back n forth with US Bank, it was crystal clear one department does not share with the other. At least not that was supportive of my process to secure things. I eventually had my daughter and her family move in and after again much back and forth we entered a trial loss mitigation mortgage program which was over XXXX monthly. This was to have ended in XX/XX/XXXX at which point we were to continue payments and eventually, all paid. THEN, we get a letter saying a number of payments were unaccounted for. Phone call made to US Bank, they said again bottom line - loss mitigation application would have to be done again. Two days later another phone call from US Bank, this time stating my brother XXXX XXXX who died after this procee began but had already signed any interest in the home away, death certificate was needed now. NO mention of payments awry, not received nothing else just the death certificate. In gathering necessary thoughts and paperwork to move forward, stop the yet again current FORECLOSURE I received yet another letter from US Bank which I will attach. This lie arrived : youve received an application that we have not even received nor returned. Im XXXX, this back and forth game where you tell us once UNDERWRITING stamps approval only then are things settled. What happened with the approval that moved us from trial in XXXX to current mortgage. Why does it keep changing. The rate alone is so much more than when I started and I dont have additional income, only my social security. I thought my Homesteading status would afford an AFFORDABLR MORTGAGE. PLEASE, please help and advise? Dont need or want games but a solution, a fair mortgage I can pay and left alone to live without constant upheaval that my home will out price me. 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 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

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 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 2026-05-12 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: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I am filing a complaint about Robinhood XXXX XXXX handling of my credit card dispute. I disputed {$170.00} of a prepaid hotel charge from XXXX XXXX XXXX XXXX for a stay from XXXX XXXX XXXX. My dispute was not that no lodging existed, but that the room and related services were materially not as described for a substantial portion of the stay. During the stay, the room had no or unstable hot water for 3 days, sewage odor in the bathroom for 3 days, extremely low shower water pressure for 4 days, an early water shutoff, late-night noise without intervention, and unusable/very slow Wi-Fi after the hotel moved us to another room for the final 2 nights. I reported these issues immediately to the hotel via XXXX during the stay and later by email after checkout. I provided Robinhood with a timeline, contemporaneous XXXX screenshots, Wi-Fi evidence, and the hotels own response, which acknowledged or minimized several issues rather than disputing that they occurred. Robinhood denied the dispute on the basis that the merchant provided services. That does not address the actual dispute. My claim was that the services delivered were materially deficient and not as described, not that no room physically existed. I asked Robinhood to explain why my evidence of repeated hotel service failures did not support a services not as described dispute, and why it was denied because the merchant provided services. Robinhood responded that the investigation was complete and no further steps would be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to dispute the following collection account listed on my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information. Creditor/Collection Agency : Midland Credit Management Account Number : XXXX Amount Reported:XXXX I dispute the accuracy and validity of this account. Please provide verification that this debt belongs to me and that all reported information is complete and accurate. Under FCRA 611, if the information can not be verified, it must be deleted from my credit report immediately. Additionally, please provide : * The original signed contract or agreement * Proof of ownership of the alleged debt * Complete payment history * Documentation showing your authority to report this account If you can not provide competent evidence verifying this account, I request immediate deletion from all credit reporting agencies. Please complete your investigation within the 30-day timeframe required by law and send me written confirmation of the results.

Company response to consumer: Closed with explanation