vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
This company keep harassing me about a day I know nothing about they have XXXX prove that or I'm going XXXX keep complaining XXXX if I could sue them I will I want them XXXX leave me alone XXXX stop lying about my telephone number stop lying that you showed me this debt XXXX legally you supposed XXXX show me it XXXX they never did they've been doing this since XX/XX/year> I have yet XXXX see if received anything in the mail or email or text because they do not have my information all of it is lies leave me alone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XX/XX/year> SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Chrysler Capital XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : NOTICE OF FORMAL DISPUTE LEASE PAYOFF ACCURACY Account Number : [ Your Account Number ] VIN : XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the Lease Payoff Document provided for the above-referenced vehicle. The total amount due of {$29000.00} is incorrect, unsubstantiated, and inconsistent with the terms of my original XXXX XXXX. Under the Consumer Leasing Act ( Regulation XXXX ), I am contesting the following specific discrepancies : Residual Value Overcharge : My original Lease Document explicitly states a Residual Value of {$24000.00}. Your payoff document lists a " XXXX XXXX '' of {$25000.00}. I demand that the purchase price be adjusted to match the contractually agreed-upon residual value. Property Tax Discrepancy ( Line XXXX Conflict ) : You have assessed {$3700.00} in " Unpaid Property Taxes. '' However, XXXX XXXX of my signed XXXX XXXX ( " Official Fees and Taxes '' ) estimated total taxes and fees for the entire lease term at {$2000.00}. These costs were factored into my monthly obligations. Demanding an additional XXXX XXXXXXXXnearly double the total estimate for the entire XXXX the disclosure requirements of XXXX CFR XXXX ( XXXX ). Demand for XXXX of Payments : I request a line-item reconciliation of all monthly payments made to date, specifically showing the portion allocated to " Official Fees and Taxes. '' If this {$3700.00} includes penalties or interest resulting from Chrysler Capital 's failure to pay XXXX XXXX XXXX on time, I am not liable for those charges. Unpaid Toll/Parking Violation : I request the original documentation, date, and location for the {$10.00} violation cited. Tax Authorization : I require written authorization for the XXXX XXXX XXXX Treasurer to release all property tax records for this VIN ( XXXX ) to me directly. Furthermore, state whether these taxes were utilized in XXXX XXXX federal tax filings. Please provide a corrected payoff statement and the requested documentation within XXXX days. Be advised that any attempt to report this disputed amount to credit bureaus while the investigation is pending will be met with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Virginia Attorney General. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/year>, I was advised in writing via chat that my account was fully caught up following payment reallocation. I relied on this representation. I have now been assessed deferred promotional interest. Had I been properly advised that a promotional balance remained outstanding, I would have made the necessary payment to avoid interest. I specifically asked if I owed anything outstanding, and I was advised, no. Please review the chat transcript and confirm whether the assessed interest will be reversed due to incorrect written guidance.

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 2026-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
We opened a Line of Credit with PNC Bank in XXXX. We used it once, paid off and asked the company first in XXXX to close it. We then received a payment notice ( annual fee ) in XXXX since the account wasn't closed. I visited the bank and apprised them of our request to close it earlier. Was advised it will be closed. Then again in XXXX received another notice to pay annual fee. Visited the branch and apprised them again of our earlier requests to close this account. Bank XXXX XXXX apologized and advised it will be closed. He confirmed that we haven't used the account since XXXX. Then again in XXXX received another letter to pay annual fees! Visited the bank again and again the XXXX XXXX acknowledge our repeated efforts to close it. After over an hour, he said he couldn't close it ( " under investigation, since XXXX ) and that he will escalate it to the higher ups. I received a call from the customer experience team and was advised to pay {$300.00} for them to close the account. When I protested why the account was still open despite our multiple in-person and written requests to close, she advised she would waive only the latest {$75.00} annual fee but the account will not be closed until i pay earlier account fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a credit line increase on several occasions, but was denied for a reason that CapitalONE fails to address. The most recent was On XX/XX/year>. I received a notice of why my request for increase was denied. This XXXX of several denial letters states a reason that is not on their website. It is also the case that none of the representatives can answer what it means either. After further research, it appears that I am being algorithmically redlined, or discriminated against. I have XXXX accounts with CapitalOne, and regarding this matter, they keep sending correspondence on the other account which is easily defined as a normal risk assessment in denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I maintain a CitiBank aa my primary banking account for XXXX years. I recently opened a new secondary account. I then verified and linked the accounts via CitiBanks online banking. I initiated my first transfer for {$1700.00} and during the transder it informed me the funds would be recieced on XX/XX/XXXX. I subsequently scheduled payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When the funds arrived to my account, it showed as posted on my online banking but did not show as avaliable. When I reached out to Citibank, i was adviswd the funds would be on hold for XXXX days per their policy. They were also unable to tell me if my pending debits would be returned. They did in faxt retuen resulting in several fees from my payee. I am mostly confused about the information CitiBank provided during the transfer process. If your XXXX dictates the funds will nlt be avaliable, then why didnt they provide that information when inwas completing the transfer, if they were aware of the extended timeline. If so i would have used other method or made the payments from a different account. Seems like an unfair practice to me and i wonder how many other consuners are affected by the lack of notification of their XXXX day hold policy.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bilt Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, he is the CEO of this fraudulent company who is taking points away from the customers like they took my XXXX points from my card and theyre saying that every month XXXX XXXX so I asked for the signature of my agreeing to the term and this is something that they have imposed after XXXX XXXX away from this frozen company. The car used to be administered by XXXX XXXX, but no more because of this fraud company is not allowing people to read in their points. The points are getting vanished from your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I have tried contacting the company claiming medical debt on XXXX claims active XXXX months months apart for same supposed debt charging increased amount on second. I've sent requests by mail with proof of identity, identity theft reports, and fair credit act reporting guidelines with no responses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: PA

Complaint narrative:
0n XX/XX/year> I requested a debt validation letter and all documents concerning all XXXX of them accounts. I never received a response. All the balances are incorrect.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
In XX/XX/year>, I paid {$690.00} to a merchant called XXXX for two all-inclusive vacation packages. The merchant advertised access to specific all-inclusive resorts, including XXXXXXXX XXXX . However, after payment, the merchant refused to provide any of the resorts that were advertised at the time of sale. They imposed restrictions that were never disclosed before payment, including stating that I was ineligible for the advertised resorts and that the only option available to me was a different hotel that was never mentioned during the sale. In addition, the merchant requires me to wait one full year before I am even allowed to request a reservation at the substitute hotel. No booking, no stay, and no usable service has been provided at all. I paid for two all-inclusive vacations, and the merchant is only offering a single substitute hotel option after a 12-month delay. I filed a dispute with my credit card issuer ( Barclays XXXX XXXX Mastercard ). Barclays denied the dispute based on the merchants statement that they were offering a hotel, but this is misleading. Offering one substitute hotel after a one-year wait does not fulfill a purchase of two all-inclusive vacations that were advertised at the time I paid. No service has been delivered to me. I submitted a reconsideration request to Barclays, but the dispute remains closed. I am requesting CFPB assistance in having the credit card issuer reopen and properly review the dispute as non-delivery of services, since I have not received any of what I paid for.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding a XXXX late payment recently reported by Capital One on my credit report. I have maintained this account since XX/XX/year> with over XXXX years of perfect payment history and no prior delinquencies. XXXX was enrolled on the account. In XXXX, a scheduled ACH payment was attempted but returned. I did not receive or recognize any specific notification that the autopay had failed or that the account was past due. I only received standard statement emails. After I later paid the account balance in full, I believed the account was current and that autopay would continue as previously set. However, small trailing interest charges posted, and without any late notification beyond standard statements, the account ultimately reached XXXX days past due before I became aware of the issue. As soon as I became aware, I paid the balance in full. Capital One has credited the associated late fees, which I appreciate. This is the only late payment in my entire credit history. Given my long-standing positive payment record and the isolated, autopay-related nature of this incident, I respectfully request reconsideration of the XXXX late reporting as a one-time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Yesterday, I received a text saying that there was a fraud alert on my card, so I called the number on the back of my card and had the fraud alert removed. I attempted to use it again later that evening and they locked the card again. I called the fraud alert number found in the XXXX app, which was a different number than the one on the card. The bank had me go through a process involving me giving them the last XXXX of my social security number, a XXXX scan of my face, and uploading my drivers license to their website. After all of that, and giving them a password that they sent me, they said that they couldnt verify my identity, and Id have to wait XXXX business days for them to send me a letter so I can send them more documentation. They have significantly more information than they need to prove my identity.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV 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 explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I did a mobile deposit for XXXX checks on XX/XX/XXXX with Truist bank. XXXX for {$840.00}, another for {$330.00} and the last one for {$3300.00}. The {$330.00} check and {$3300.00} check are coming from the same account/business. The {$3300.00} check was placed on a hold immediately after depositing. The hold is until XX/XX/XXXX, which is unreasonably long. I have had issues in the past with Truist bank holding my mobile deposits for a long time like this case. The other checks cleared just fine. The reason for the hold listed on the email was We have confidential information that indicates the check may be returned and may require an additional review.. I called my local branches and they said they could not do anything for me to remove the hold since it was a mobile deposit. I called Truist customer service and on the same day and they claimed that they did not see a hold and to wait until the next day if the funds were not available. I called again the next day on XX/XX/XXXX. The initial customer service person could not help me with my issue, I was put on hold until I could speak with a supervisor. The supervisor helped me file a request to remove the hold, he told me to wait until the XXXX to see if my funds would go through since the XXXX is a holiday and the banks are closed. This phone call was XXXX minutes long with multiple holds. I waited until the XXXX before calling again as I still didnt receive the funds and didnt receive any kind of update. Like before, the initial person couldnt help me and I waited until I could speak with a supervisor. The supervisor told me that my request to remove the hold was denied and that they could not do anything to help me removal the hold. This called lasted XXXX minutes. It is the XXXX today and I still do not have access to my funds. I am considering changing banks after this issue, as I do not want this happening again for a check that is only {$3300.00}.

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 2026-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have several credit cards with USAA, NAVY FEDERAL BOA, banks, but All have been compromised slowly for about almost XXXX yrs they are duplicating transactions of previous purchases even with new cards they keep hitting my XXXX XXXX and wallet. every time a holiday come this happens. All of my emails are being hacked also. I also noticed that a XXXX gas station I used my phone for tap pay with in XXXX on XXXX XXXX XXXXXX/XX/XXXX and again the POS gas pump machine made a weird sound and denied me, I used an actual card it went through but when I look at my statement XXXX duplicate charges on BOTH ACCOUNTS the approved XXXX and denied XXXX Also XXXX XXXX went out in the state of XXXX XXXX XXXX hours on XX/XX/XXXX this is a breach of something and I'm trying to stop it. XXXX website also. since then

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