vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I recently opened a co-branded XXXX Visa credit card issued by Citibank during a home move. I received the physical card at my new address, but Citibank has locked the account. I can not activate or use the card because Citibank 's automated system requires a mail-in verification code to confirm my address change. I have been waiting for this mailer for approximately one and a half months, and it has never arrived. I have a balance of {$130.00} on the card ( from opening my warehouse membership ) with a payment deadline next week. I am completely locked out of my online profile and can not pay my statement balance directly through Citi due to this security loop. I have contacted frontline customer service three separate times over the past month. The agents state they are completely unable to bypass the mailer loop or verify my identity using alternative secure methods ( such as text messaging or public record security questions ). This has left me unable to use my new card or easily settle my upcoming bill.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citi Bank converted my account from XXXX XXXX XXXX card. ( Acct XXXX ) I did NOT want this card to convert, I already had a Citi Bank. I received an email it had converted and they charged me an annual fee of {$99.00}. They also took out {$29.00} for automatic payment. I NEVER authorized Citi to transfer that automatic payment information from XXXX. I called and canceled the account and after a lot of time on the phone a representative told me they would credit the remaining {$70.00} on that account for the fees ( that was the only charge as I had not used the account in several months ) if I would increase my credit limit by {$2000.00}. I did that over a month ago. I then got another email saying my account is past due for that outstanding amount. I talked to Citi by online chat on Saturday to tell them that didn't happen. They will not give me the record of my online chat from my previous conversation. I spoke to XXXX and XXXX. They transferred me and I spent a long time trying to get help. I told them I wanted to also close my other account with Citi as I do not want to do business with them. They would not do it online and I had to call in and be on the phone for a long time where I told them AGAIN to just cancel my other account too because they will not honor what they've told me. I was told I would be credited and would also receive a {$99.00} credit on my other Citi account if I spent {$1000.00} in 3 months. Today I received ANOTHER email telling me that I owed money. I just spent over 40 mins on the phone to cancel this account. I ended up just paying my total balance and the fees on the last card to just be finished with Citi Bank. They are predatory, refuse to give you the information from your previous chats and calls or to do what they promise you to keep you from canceling your account. So now I have had to pay them for TWO annual fees for accounts I have had to cancel after they have told me they are refunding the fees. Their customer service is dishonest and I feel as though they robbed me of almost {$200.00}. I took screen shots of my conversation with their customer service to show what I am reporting.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
To PayPal Review Team, I am writing to formally appeal the decisions on a series of recently closed disputes regarding the merchant XXXX XXXX ( XXXX / XXXX ). There is critical new information regarding this merchant that proves they have systematically defrauded the PayPal automated dispute process, falsified documents, and actively violated PayPals terms of service. 1. Violation of PayPal Acceptable Use Policy ( Gambling ) XXXX XXXX misrepresents itself to PayPal as a standard digital gaming/service platform. However, they are the billing entity for XXXX an unapproved online gambling and casino website. Under PayPal 's Acceptable Use Policy regarding Gambling, transactions for games of chance, virtual slot/casino mechanics, and wagering are strictly prohibited without explicit, pre-approved merchant status. 2. System Evasion and Fabricated Evidence For the cases ruled in the seller 's favor, the merchant provided automated, fraudulent tracking/delivery details for an online gambling service where no tangible or legitimate digital item was ever delivered. Furthermore, for multiple cases where a refund was promised or ordered ( including Cases : XXXX XXXX XXXX, and XXXX ), the merchant uploaded fraudulent documentation claiming they issued an XXXX off-platform refund. '' I have not received any funds outside of PayPal, nor is it compliant with PayPal policy for a merchant to settle claims externally to evade account financial penalties. 3. Specific Case Breakdown For Review : Cases Closed in Seller 's Favor ( Requesting Reversal ) : XXXX XXXX {$20.00} ), XXXX ( {$29.00} ), XXXX XXXX {$35.00} XXXX. Cases Closed via Fabricated Refund Info ( Funds Never Received ) : XXXX XXXX {$50.00} XXXX, XXXX ( {$20.00} ), XXXX XXXX {$59.00} ). I request that a human agent reviews the corporate identity of XXXX XXXX, verifies their processing connection to the illegal/unauthorized gambling platform XXXX and reverses these decisions to protect my consumer rights under PayPal Purchase Protection. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: CA

Complaint narrative:
On XX/XX/XXXX a fraudulent charge of {$800.00} was posted to my Bank of America Mastercard. I noticed this online and contacted Bank of America on XX/XX/XXXX and requested a stop placed on the card and a fraud claim be instituted. The {$800.00} purchase from XXXX that I am disputing was not made by me or any family members. Bank of America notified me on XX/XX/XXXX XXXXXXXX XXXX PST that you did not approve my fraud claim, stating the charge was made using one of my verified devices, like a cell phone or tablet. Bank of America issued a letter XX/XX/XXXX. I requested comprehensive documents and device details from Bank of America on XX/XX/XXXX. If this charge was made through one of my mobile phones, that phone must have been accessed in some electronic way because I did not make the purchase I am disputing. I called Bank of America twice, on XX/XX/XXXX and XX/XX/XXXX ( on XX/XX/XXXX asking for review of the rejected claim ). I have also mailed Bank of America ( and mail tracking showed delivery at Bank of America on XX/XX/XXXX ). On XX/XX/XXXX I requested additional information. I have received no additional or detailed information as to why my fraud claim was rejected, and no further information or response on the mailed dispute letter regarding the fraudulent charges from Bank of America. Bank of America Claim Number XXXX The Fraudulent activity was submitted to the FTC at identitytheft.gov : Ref # XXXX Police Report filed with XXXX Police Department XXXX XXXX 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 monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Recently closed on a refinance. The servicing mortgage immidiately sold my loan before I even made my first payment. The new mortgage company failed to option my insurance coverage and now they have sent me an insurance enforcement letter saying that they will charge me for the time since the loan was assumed XX/XX/year> until XX/XX/year> which was the start date of my insurance renewal. I have not had a lapse in insurance and my insurance covered has been the same before I even refinanced the home. The phone numbers are all third party over seas and I keep playing telephone between loan services and their insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
About a week and a half ago, I added an authorized user to my Bank of America credit card. I have been a loyal bank member for over 18 years. They said they decided to close my account because of the added authorized user and at the discretion of the bank. They did so without notice. I tried to use my card, and all of my purchases were declined. At no point was any notice provided regarding this. I had to call in to inquire about the card closure. When I inquired, they said the account is closed and can not be opened. They did not cite any policies or procedures that I violated. They stated that it was concerned about fraud, yet they did not follow their own fraud protocols. Again, they provided no notice. In fact, they had mailed out new cards to me prior to the closure of my account. They said I can escalate and make a formal complaint, but the card could not be reopened. If that is the case, what is the point of the complaint? If there are concerns about the authorized user, they could have asked me to remove the authorized user in question. Instead, they closed my account. I would add documents, but there were no documents provided to me regarding this closure.

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 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
About an hour ago from the moment this complaint was made. Block, Inc. Or Cash App closed my account claiming gambling or fraudulent activity and this is right after my brother tried to send me {$80.00}. I have not engaged in anything of the sort besides XXXX and XXXXXXXX XXXX and regular everyday transactions. Please assist me with my case XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
I am filing a complaint regarding USAA Banks restriction and closure of my checking and savings accounts containing approximately {$3000.00} in available funds. On XX/XX/2026, I tried to use my debit card to get gas and it was declined. I received no notice from USAA that my checking and savings accounts were being closed until it was already done. After calling them, I received an online document that stated deposits may continue to be accepted, but that items presented for payment would be returned unpaid. I contacted USAA by telephone to ask how I could access the funds remaining in my accounts. During my calls with USAA, I was informed that there was nothing that could be done to provide me access to my funds and that I would receive a check for the remaining balance within 60 days. I was not informed that my funds were subject to any investigation, legal hold, or fraud investigation involving the account balance itself. The remaining balance in my accounts is approximately {$3000.00}. After learning of the account closure, I opened a new checking account at another financial institution and initiated a transfer of my funds. However, based on the information provided by USAA, I am concerned that the transfer may be rejected and that I will be unable to access my money for up to 60 days. My concern is that USAA is holding funds that belong to me while providing no clear explanation for why the funds can not be released sooner. I rely on these funds for essential living expenses, including food, transportation, and household bills.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened a checking and savings account for my grandson to receive his social security XXXX I am his payee. As of XXXX of this year out of nowhere the bank told me the names on the account was XXXX XXXX XXXX and XXXX XXXX XXXX. NEVER heard the name XXXX. My name is XXXX XXXX XXXX. I've been to the bank 3 times to get it fixed. Even closed all accounts started fresh and AGAIN I had to prove myself again and the bank staff act as if it's my fault and my problem. The manager told me to lower my voice he has customers in the bank. Needless to say ... that didn't work then he threatened me! Told me I will no longer be banking with M & T that I'm not talking to him like that. I need help please.

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 2026-06-09 00:00:00
Product: Debt collection — Rental debt
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:
Columbia Debt Recovery dba Genesis is trying to collect {$6200.00} on a XXXX XXXX for an apartment I never took possession of. No keys, mailbox key, FOB, gate code, or move-in inspection were ever provided. The original creditor 's own XX/XX/year> letter demanded the return of a mailbox key that was never issued to me an admission in writing that possession was never delivered. Under the lease 's own terms ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ), rent only accrues after possession is delivered through keys and access devices. The debt is not mine. Columbia has stated four different balances on the same account ( {$6000.00}, {$6000.00}, {$6100.00}, {$6200.00} ) and has added a {$140.00} " 9 % per annum '' interest charge that the lease does not authorize. Columbia is also furnishing the disputed account to all three CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am submitting the attached documentation regarding transactions arising from the same XX/XX/year> impersonation/social engineering fraud event. The attached records show that USAA determined the XXXX transaction ( {$1700.00} ) and Current transaction ( {$1000.00} ) were fraud and issued permanent credits, while XXXX XXXX transactions totaling {$3300.00} arising from the same event were deemed authorized. The attached records do not provide a determination regarding the {$1000.00} XXXX transaction. I do not dispute that I personally initiated the transactions. However, I did so under the mistaken belief that I was communicating with USAA 's fraud department and taking steps to protect my compromised account. That fact applies equally to the XXXX, XXXX, XXXX XXXX, and XXXX transactions. My concern is that transactions arising from the same fraud event were classified differently without explanation. I am requesting : 1. Reimbursement of the XXXX XXXX transactions totaling {$3300.00}. 2. Reimbursement of the {$1000.00} XXXX XXXX XXXX. A specific explanation for why the XXXX and Current transactions were classified as fraud while the XXXX XXXX transactions were classified as authorized. Additionally, USAA 's denial letter identifies the XXXX XXXX transactions as posting on XX/XX/year>, despite the fraud being reported on XX/XX/year>. I request clarification regarding whether any mitigation, recovery, or intervention efforts were undertaken after the fraud was reported. The attached documentation is provided in support of these requests.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Branch manager XXXX XXXX XXXX claims to not be able to assist with the recovery of my funds. I've been at this branch 4 consecutive occasions in the past 30 days. Can not tell me my funds 'will be released. {$92000.00} Can not request them to be released. Can not order a money order for them. Claiming the reason is because the funds have already been moved out of my account. He has sent me to talk to other departments over the phone : customer service, fraud department, compliance department. All of these departments claim this is to be handled at branch level.

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 2026-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Business Financing Corporation
State: GA

Complaint narrative:
They have been contacting family and friends giving out my information showing pictures and IDs with my license on them and saying I owe {$20000.00} they were on my They are my friends and families voicemails and text messages asking for XXXX XXXX saying I owe {$20000.00}. They are sending group messages in group chat with me and random people strangers that I dont even know number that Im not even associated with my pictures of my ID saying I owe {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Issue Description : I am filing this complaint against Bank of America for a violation of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate delinquency reporting on my account ending in XXXX. In XX/XX/year>, Bank of America reported my account as 30 days delinquent. This reporting is entirely inaccurate due to a severe technical failure on Bank of Americas payment platform. I timely scheduled and authorized the payment using Bank of America 's online portal ; however, a systemic internal system glitch prevented the platform from processing the payment on the back end. Bank of America was immediately made aware of this technical issue and subsequently reviewed the account. On XX/XX/year>, Bank of America issued a formal determination admitting the error by completely waiving and refunding the associated {$180.00} late fee ( see attached XXXX : " Late fee waived XXXX '' ). By reversing this fee, the bank explicitly acknowledged that the payment failure was a result of an internal system defect, not a consumer failure to pay. Despite admitting this error internally and removing the penalty fees, Bank of America sent a generic dispute rejection letter on XX/XX/year> ( Research request # XXXX ), refusing to correct the inaccurate 30-day late mark on my credit reports. Furthermore, Bank of America 's payment platform continues to experience severe, documented system glitches affecting account processing to this day ( see attached screenshots ). Because I made every reasonable attempt to pay on time, and because Bank of America formally ratified that an error occurred by waiving the late fee, the ongoing reporting of a 30-day delinquency is a material inaccuracy causing severe, unjust damage to my credit profile ( currently reflecting a XXXX score drop as shown in my XX/XX/year>XXXX XXXX report ). Desired Resolution : I request that Bank of America immediately update its reporting data to the major credit bureaus ( XXXX XXXX XXXX ) to reflect that the account ending in XXXX was Current / Paid on Time for the XX/XX/year> cycle, and delete the 30-day late notification entirely.

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