vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I experienced a persistent technical failure on Citibanks part that is preventing me from utilizing the {$300.00} Annual XXXX Benefit with my Citi XXXX XXXX account for the 2025 calendar year. 

For over 30 days, I have attempted to access the Citi XXXX portal to book a qualifying stay. Each attempt is blocked by a failure of the One-Time Passcode ( OTP ) system. Despite having my correct mobile number on file, Citi 's system fails to transmit the code. I have spent significant time with customer service and technical support to no avail ; representatives on both sides ( card & travel ) have been unable to resolve the " loop '' or verify my identity through alternative digital means. 

Since these benefits expired on XX/XX/year>, and Citi 's technical infrastructure has prevented me from redeeming them through the required portal, I was unable to access the advertised card benefits.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My checking account with JPMorgan Chase Bank was compromised by fraud. Third parties deposited fraudulent checks and submitted fraudulent disputes on transactions I legitimately made. 

I reported the fraud to Chase, and the bank closed my account. However, my account also contained legitimate payroll direct deposits from my employer, with the last direct deposit received on XX/XX/XXXX. These funds are not related to the fraudulent activity. 

After closing the account, Chase reversed transactions and applied charges but did not return my legitimate direct deposit funds or provide a clear final reconciliation. I contacted Chase multiple times and was transferred to more than 11 representatives without a resolution or written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Im not sure what happend there accounts arnt mine Eastern account system debt collecter keep reaching out I e explained to them over n over again accounts isnt mine XXXX XXXX as well asked for them to send informant over to me but they refuse too XXXX no late payments so Im not sure why they keeping saying that as well Ive reached out but no feed back..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, without warning, both my son and my Cashapp accounts were deactivated. I contacted the Chat Support on the same day and was told the exact same information posted when I opened the app, that the account was deactivated due to violation of Terms of Service, that I could only withdraw funds and no other features were available, and I would have the chance to appeal the decision. I asked what terms were violated and was told they would send me an email within 10 days that would explain the deactivation reason and how to appeal the decision. On XX/XX/year>, I received an email stating the appeal had been denied ( without me ever initiating the appeal or given a chance to provide evidence against their claim of violation ) and again did not state what terms were violated. It said the decision was final and no other steps are possible. I was never given an explanation for what caused both of our accounts to be deactivated nor did I get the opportunity to actually appeal the decision. Any attempt to discuss with a person on the phone was met with scripted responses stating exactly the same language as the email and app and when asked to speak to a supervisor, they said this was not possible in their department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: LA

Complaint narrative:
I have been trying to receive a refund check that Discover repeatedly told me was issued only to find out later that none of that was true. Below is the exact timeline of what happened. XX/XX/XXXX XXXX Discover representative told me that my refund check had been issued and mailed. I was told to expect it soon. 
XX/XX/XXXX After not receiving anything, I called Discover again. I was told a second time that the check had been issued and mailed. No one mentioned any problems or delays. 
XX/XX/XXXX Still no check. I called Discover again. This time, I was told something completely different : The previous representatives were wrong The check was never actually sent It might have been sent to the State of Louisiana as unclaimed property Discover could not confirm anything about whether it was actually sent to the state The State of Louisiana shows no record of receiving any such funds I called Discover again today, and the representative could not confirm whether the check was ever mailed, ever processed, or ever transferred to the state. I was simply told to call Louisiana unclaimed property in the morning. Why This Is a Serious Problem I was given false information multiple times Discovers own representatives contradicted each other No one can tell me where my money is No one can confirm whether the refund was ever processed I am being sent in circles between Discover and the State of Louisiana This is not a minor issue this is my money, and Discover can not even track it For a financial institution, this level of incompetence is unacceptable. If a customer made this many mistakes, Discover would charge fees, interest, and penalties. But when Discover makes the mistakes, the customer is left with no answers and no accountability. Bottom Line Discover failed to : Provide accurate information Track a simple refund Communicate honestly Take responsibility for their own errors Resolve an issue they created I have wasted hours on the phone, received conflicting stories, and still have no refund check and no confirmation of where my money is. 
This experience has destroyed my trust in Discover as a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I receive multiple calls from this company everyday requesting to talk to someone Im not even familiar with. Calls will continue all the way past XXXX. Ive asked multiple times over a month period now to stop calling in general and to stop calling after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: CA

Complaint narrative:
Midland Credit Management have been trying to call and send me letter in the mail multiple times when I asked them to stop after they failed to provide me all the documents I requested. On XX/XX/year> I called and spoke to a female representative. She threatened me that I should pay the debt to avoid default judgment against me. I asked if they ever sent me debt validation, bill of sale, purchase agreement, proof of contract, and the attorney already reviewed the case with 100 % accuracy. That female representative said they sent me debt validation already, and they have proof that I owe the debt. I told her to send me all the documents that I request. They never sent anything that I request but a couple of statements.. I sent cease and desist letter twice to request them to stop contacting me when they can't provide me with legal documents. They did not obey the request but they continue to call and send me the same collection letter in the mail. They. are disturbing my life and they violate FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have the my payment security coverage and on these XXXX accounts they are not honoring the terms and conditions. Ive repeatedly sent in the paperwork XXXX  times and they are repeatedly requesting for information. The forms thats enclosed are completely filled out and there are giving me the runaround to payment the accounts off. XXXX paying for this service and they still not honoring the terms and conditions

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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
In XXXX of XXXX I went to XXXX XXXX to get a car. Not only did they lie to me about the price of the car, but the car is not worth what I was charged. The car is a XXXXXXXX XXXX with a messed up paint job because there was a recall and the person that had it never seemed out the recall and XXXX makes it impossible to afford to correct it. At the end of the car note I will end up paying almost XXXX at a XXXX % interest rate Exeter financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I purchased a custom-made furniture order from XXXX XXXX XXXX using a XXXX  % promotional credit card issued by Synchrony Bank . The original delivery was scheduled for XX/XX/year>. XXXX XXXX XXXX rescheduled the delivery to XX/XX/year>. On XX/XX/year>, the delivery was not completed because the delivery representatives confirmed the furniture was the incorrect material and color and therefore did not deliver it. 

After this, no further delivery or correction was made. When I contacted the merchant to seek fulfillment or resolution, I was informed that the company had filed XXXX XXXX bankruptcy and closed its stores. As a result, there was no possibility of receiving the correct custom order and no recourse through the merchant. 

I disputed the charge with Synchrony Bank for merchandise never delivered. Synchrony denied the dispute stating that the transaction was charged when the order was placed rather than when it was delivered. I re-disputed the charge, explaining that non-delivery is a billing error regardless of when the charge posts and that the merchant is unable to deliver due to bankruptcy. 

I am currently being held responsible for paying a balance on a XXXX % promotional credit account for merchandise that will never be delivered.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
the credit card company sent my bills to a wrong address when i called the company to change it to my address, they didn't want to changed they ask me documentation for security and they gave me a wrong email to send the documentation, and i was unable to known that i have a balance since they mail my bill to a wrong address and they didn't want to changed it, and after a few months i see on my credit report a late from them, and then i called them so finally change it to the correct mailing address, and i pay my bill, but they didn't want to give me back the late payment, since it wasn't my fault and they also don't want to remove the late from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, Bread Financial / Comenity Bank issued a refund check to me in the amount of {$5200.00}. The check was mailed to an outdated address without verification, despite being a negotiable financial instrument. 

I was not aware the check had been sent to the wrong address until XX/XX/year>, at which point I immediately contacted the company. I was later informed the check had been stolen from the mail and fraudulently deposited on XX/XX/year> with a forged endorsement of my name written in all capital letters. 

I never received, endorsed, or authorized this check. I filed a police report ( XXXX XXXX Case # XXXX ), a USPS mail theft report ( Ref # XXXX ), and sent a certified fraud letter to Bread Financials fraud department, which has gone unanswered. 

Bread Financial now verifies my correct address on every call, demonstrating that address verification was feasible but not performed at issuance. Despite months passing, the company has not reissued the funds or resolved the issue. 

This failure has caused financial hardship, loss of use of funds, and significant time spent correcting an error caused by the companys negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I am writing to formally request that you cease all communication This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which provides me with the right to request that you stop contacting me. Please be advised that I am aware of my rights under the FDCPA, and I expect you to comply with this request immediately. Any further contact from your agency, except as allowed under the FDCPA to inform me of specific actions being taken, will be considered harassment and a violation of federal law. I also request that you provide any written documentation regarding the alleged debt you are attempting to collect. While I understand my responsibilities, I will not tolerate any form of harassment or unethical practices in your collection efforts. Please confirm in writing that you have received this letter and will comply with my request. Failure to do so will result in me filing a complaint with the Federal Trade Commission and the state attorney generals office. Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2026-01-09 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered something from XXXX and returned it and they refused to refund me or send the product back. I filed a complaint with paypal and they told me I had to get the product back from XXXX and send it to a residential house in XXXX to get a refund. It was a XXXXparty sale. I used the XXXX code that XXXX  returns sent me, XXXX confirmed witjh paypal they have the product. I provided proof that XXXX  has the product by providing the proof of delivery that XXXX sent me, Paypal refuses to speak with me further on this and has locked the dispute so that I can not speak to anyone further. I tried to contact XXXX, they said Paypal has to close the dispute and will not speak with me further either. Now paypal is sending me to collections for the unpaid portion of the XXXX  balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I've had a credit card with this company for XXXX months. In XXXX XXXX my statement balance was {$1000.00}. my credit limit is {$700.00}. They approved a transaction that was {$310.00} over my credit limit. I never enrolled in the option for over the limit coverage or credit protection either. 
I called multiple times asking why they approved this transaction and that I was not enrolled. And the customer service representative answered by telling me it was approved by the system. No human has any control. I reluctantly accepted this answer and unfortunately had to make late payments on other bills to pay off this overage, hopefully before impacting my credit score. But, of course it was too late. 
Now, XXXX  days ago, they did it again. This time, {$2000.00} Over my limit of {$700.00}. I still am not enrolled, nor was I ever, enrolled in over the limit coverage or credit protection. 
They should have declined these transactions that are over my limit of {$700.00}. Or whether it be the current available balance. And because of being over my limit, they will now impose late payment, over the limit fees. Which will happen again and again because there's no chance of paying down this balance as fast as it would be needed. 
I've called and asked them to stop this and how is it possible. And still they answer, that it is the decision of the computer system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
I am submitting this complaint regarding an improper and unfair vehicle repossession and the lenders failure to engage in good-faith hardship resolution. 

Beginning on or around [ XXXX ], I experienced a documented financial hardship due to the death of an immediate family member. I made multiple attempts to notify the lender and request hardship assistance. I sent hardship letters and attempted to provide supporting documentation, including a death certificate and funeral expense obligations. 

Despite these repeated efforts, the lender failed to respond meaningfully or review my hardship request. My communications were ignored, and I was informed that my hardship documentation could not be submitted by fax, despite having used valid fax methods and despite the urgency of the situation. 

Instead of engaging in loss-mitigation or discussing reasonable alternatives, the lender proceeded with repossession. The vehicle was repossessed while there was an active hardship, unresolved communication failures, and no good-faith review by the lender. 

This repossession caused significant financial harm, emotional distress, and disruption to my ability to work and meet basic needs. I am requesting that the CFPB investigate the lenders repossession practices, failure to respond to hardship notices, and refusal to engage in reasonable consumer communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate and unfair credit reporting by Barclays Bank Delaware, associated with an XXXX XXXX charge account, which is currently appearing on my credit reports as a charge-off. 
Account Information Creditor : Barclays Bank Delaware / XXXX XXXX Account Type : Revolving Charge Account Responsibility : Individual Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Updated : XX/XX/XXXX Reported Status : Charge-off Credit Limit : {$200.00} Last Payment Made : XX/XX/XXXX Payment History : Reporting {$0.00} payments Estimated Removal Date : XXXX/XXXX I dispute the accuracy and completeness of how this account is being reported. Specifically : Inaccurate and misleading reporting The account is reported as a charge-off while continuing to show inconsistent credit limit and update activity after the account was allegedly closed. This creates a misleading impression of the accounts status and history. 
Failure to properly validate and correct I do not believe Barclays Bank Delaware has provided proper validation or accurate documentation supporting the charge-off status as reported. Despite the account being closed, it continues to be updated in a manner that negatively impacts my credit profile. 
Unfair credit reporting impact Reporting this account as a charge-off with ongoing updates significantly damages my creditworthiness and does not accurately reflect the true status of the account. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report information that is complete, accurate, and verifiable. 
Because Barclays Bank Delaware has failed to ensure accurate reporting and has continued to furnish information that I believe to be incorrect and misleading, I am requesting the following resolution : Immediate removal of this account from my credit reports, or In the alternative, correction of all inaccurate information with written confirmation of the changes made. 
I respectfully request that the CFPB investigate this matter and require Barclays Bank Delaware to comply with all applicable consumer protection laws, including the FCRA. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation