vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I acted as a Settlement Agent for a mortgage company- upon funding, I wired the cash out monies to the individual borrower on XX/XX/26. CitiBank 's XXXX XXXX seized the monies. I called CitiBank 's wire XXXX, spoke with XXXX from the XXXX office, who told me that CitiBank cancelled the wire internally. I advised XXXX that I still saw the wire pending review online - she told me it must be a lag in time - so I cancelled the wire and re-sent it as XXXX told me to do. It again has been seized by CitiBank 's XXXX XXXX- I tried to call 4 times, each time I receive an automated message that " the account can not be serviced over the phone at this time. How can I have the wire released to this borrower who is paying daily interest of {$26.00}?

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Klover Holdings, Inc.
State: NY

Complaint narrative:
I did not authorize any transaction of {$420.00} in XXXX of XXXX, you stated you refunded me {$2000.00} which you did not this was an unauthorized transaction of {$420.00} in XXXX of XXXX stop telling incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
Its for a gym membership. Per the membership agreement contract, to cancel you must email ( the email was indicated on the contract ). I emailed. They kept charging me. I told them when they would call me saying my account was in arrears. Now they have me in collections. They keep trying to charge my credit card up to this last month. I request that this erroneous collection be removed from my credit profile immediately and all collection activities cease. Please see my email and the contract attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: PA

Complaint narrative:
A collection account from Receivables Management Systems is being reported on my credit file with a balance of {$980.00}. I have disputed this account because the information being reported is inaccurate and has not been properly validated. After requesting verification of the debt, I have not received sufficient documentation proving the validity of the account, including the original agreement, billing statements, or itemized breakdown showing how the balance was calculated. Despite the dispute, the account continues to be reported as an open collection account, which is negatively impacting my credit. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I have the right to receive proper validation of any alleged debt before it is reported or collected. I am requesting the following : Full validation of the alleged debt, including the original creditor, agreement, and itemized balance. Documentation showing that Receivables Management Systems has the legal authority to collect this debt. Correction or deletion of this account from my credit report if the debt can not be properly validated. Until proper validation is provided, this account remains formally disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I had financial difficulty between XX/XX/XXXX and XX/XX/XXXX after making a payment to bring my account current between XXXX and XXXX. I was charged an extra {$500.00} as a return fee, when I ask because it does not show on my statement where the fee came from, they said it was because of an auto payment that was made, and I was charged {$500.00} extra on top of my credit card limit because of the return fee, it does not make any sense considering by each time a payment was returned on an auto pay. I was only charged the return fee plus an interest when I asked for them to put it in writing. I have not received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview charged our account 3x times for our mortgage. They told my wife on the phone that the system automatically charged the account 2x times and that the bank did not accept the payment release. They told my wife to manually send the payment which she did. They accepted the manual payment and then the system charged us the third payment which they stated that it would not do. The company stated that the system would only try to charge twice but it charged a third time after she manually sent the payment.

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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, but, my name on my car loan with Westlake Financial is XXXX XXXX ( before I got married ). Every time I am late on a payment, this company makes excessive calls to my phone number. Currently, I am 2 days past due and planning to make the payment today. I have received 8 phone calls from an AI bot for this company in the past 36 hours. the times were as follows : Monday XX/XX/XXXX - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Tuesday XX/XX/XXXX - XXXX XXXX, XXXX, and XXXX XXXX This company does this every time I'm even a day late on a payment. I understand reaching out, but, this is harassment. XXXX phone calls already. I'd be happy to reach out to XXXX XXXX XXXX to get all call history from this number, if necessary. This is highly inappropriate and unnecessary. I only have 5 payments left in my car loan and I have never missed a payment by more than 2 or 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
On XX/XX/year> I got contacted from my ex wife that she received a call about a case that was being filed about me so she gave me the number the number is XXXX I called and it connected me to an associate then the associate asked me for a case number that was given to my ex wife not me and it was XXXX she told me she was calling about a debt for Acima leasing that their basically suing me and are going to put a formal complaint of defrauding the financial institution and breach of contract and taking me to court but I said could I still pay she went to ask someone and they said they could and they give me a settlement option for 20 % and they would take my card info and pay installments as well they also said if I got contacted after XXXX of 2025 from Acima then thats wrong cause the closed on XXXX but the screenshot provided says otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: MO

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This has been disputed several times. This is not mine. Again again and again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding a promotional cashback offer through Capital One that was not honored despite meeting the stated requirements. On XX/XX/year>, at approximately XXXX XXXX, I clicked on a Capital One Offer that advertised XXXX {$300.00} at XXXX and receive {$150.00} cashback. After clicking the promotional link through my Capital One account, I was redirected to XXXX where I completed my booking in the same session. The total purchase exceeded the required {$300.00} threshold. However, instead of receiving the promised {$150.00} cashback, my account was only credited {$9.00}. I have screenshots of the promotional offer clearly showing the terms and cashback amount. Despite this, when I contacted Capital Ones offers support department on XX/XX/year>, I was told that I did not click the correct promotion. This explanation is extremely concerning and does not make sense given that I intentionally selected the higher-value promotion and completed the booking directly through the provided link. I have been a long-time Capital One customer, and I relied on the accuracy of the offer when making this purchase. Denying the cashback after the purchase was made through the promotional link is misleading and unfair to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
CEASE AND DESIST LETTER ( Sent via Certified Mail, Return Receipt Requested Keep a copy and the green card for your records ) XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX XXXX Bank of America , N.A . XXXX XXXX XXXX XXXX, FL XXXX Re : Account Number XXXX Alleged Debt of {$500.00} To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist all communication with me regarding the above-referenced account and any alleged debt of {$500.00}. This includes, but is not limited to : Telephone calls ( to my home, cell, or any other number ) Text messages Emails Letters or other written correspondence Any contact with third parties about this account I do not wish to be contacted again about this matter except for the following limited purposes permitted by the FDCPA : To confirm that further collection efforts have been terminated ; To notify me that a specific remedy will be invoked ; or To notify me that a specific remedy has been invoked. Any further communication after receipt of this letter will be considered a violation of the FDCPA and may subject you to legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Indiana Attorney Generals Office, as well as potential civil liability for damages, attorney fees, and statutory penalties. This letter is not an acknowledgment of any debt, nor does it waive any of my rights or defenses. Sincerely, 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 explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
On XX/XX/year>XXXX I ordered groceries from XXXX. The usual default form of payment is a XXXX XXXX credit card. However, my Santander debit card was selected as the default payment. I noticed the error and changed the default payment method to XXXX XXXX. Santander has been giving me the runaround. When I spoke with them last week, they advised me that they would refund the hold against my debit card. Im on a fixed income and I need every penny. Santander is holding my funds in the amount of {$91.00}. Would you please contact them regarding my account

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 2026-03-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of my fraud check claim involving funds from my Bank of America prepaid debit card issued for my California EDD benefits. The disputed funds are from the balance of my Bank of America EDD prepaid debit card account. A fraudulent check associated with these funds was reported, and I opened a fraud claim with Bank of America. I submitted all required fraud claim documentation, including supporting statements and materials, and sent the documents by certified mail. USPS green return receipt cards confirm that Bank of America received my fraud claim documentation on XX/XX/year>, and again on XX/XX/year>. Both return receipts show Bank of America as the recipient and include my name and sender address, with the delivery dates stamped by the U.S. Postal Service. Despite full compliance on my part, I have not received a written determination, resolution, or request for additional information. A significant amount of time has passed since delivery, and my efforts to obtain a clear update have not resulted in a resolution. My account information for this matter is as follows : Account No. XXXX Fraud Check No. XXXX Claim No. XXXX. Bank of America has informed me that the check was cashed, but they have not provided a copy of the cancelled check or any supporting documentation. I have not received the front and back image of the check, the endorsement signature, the deposit bank information, or the account where the check was deposited. In addition, a copy of my demand letter was also mailed to Bank of Americas executive correspondence office ; however, I have not received any response. I respectfully request that Bank of America provide the cancelled check image and documentation showing where and how the check was negotiated, and provide a formal written determination on this fraud claim. If the claim is denied, I request a clear written explanation supported by documentation.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NM

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Roosen is still taking money from checks after they was already paid through my taxes I tried contacting them and they pretty much told me XXXX XXXX XXXX I want my checks back and refunded and I want the garnishing to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I HAVE DISPUTED THE BALANCE AFTER THE SALE OF THE CAR AND THEY NEED TO REPORT THE ACCOUNT AS A CHARGE OFF ACCOUNT BECAUSE THE COMPANY HAS ALREADY SOLD THE CAR AND THE BALANCE IS A DIFICIENCY CHARGE OFF BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Block, Inc.
State: TX

Complaint narrative:
I had gotten an email from XXXX on XX/XX/XXXXXXXX about XXXX sending my account to them, I never received any communication about my account being sent to debt collections. I requested debt validation, company sent a E signature email or that I could request via mail, and I requested it to be sent via certified mail. The XXXX company sent an E signature again and told me they couldnt mail, I requested that I will not e sign until debt validation was sent mail, last communication was XX/XX/XXXX. Then on XX/XX/XXXX XXXX sends me an email stating XXXX stated I sent them a cease collection activity which is false information as I requested XXXX validation. I am now fighting with original company XXXX about the lack of communication and false information they got sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint because my credit report is currently showing extremely inaccurate student loan balances that do not belong to me, and the incorrect reporting is preventing me from qualifying for housing. My official federal student loan record from the XXXX Department of Education shows that I received only XXXX XXXX subsidized student loan in 2008 for {$3500.00}. According to the Department of Education record, the current outstanding balance is approximately {$3600.00} including interest. However, my mortgage credit report currently shows XXXX student loan tradelines reported by MOHELA totaling approximately {$120000.00} ( approximately {$100000.00} and {$20000.00} ). I have never borrowed or received student loans anywhere near this amount. These balances are clearly inaccurate and appear to be either a mixed credit file or a reporting error. Because of these inaccurate balances, my mortgage application for the California XXXX For All home loan program was denied due to my credit score not meeting the lenders minimum requirement. Additionally, I have reason to believe that my federal tax refunds have been repeatedly offset over the years due to this loan status. Given that the original loan amount was only {$3500.00}, I am requesting a full review and accounting of the debt history, offsets, and balances associated with this loan. I have attached documentation from the XXXX XXXX XXXX XXXX XXXX showing the original loan amount and history, which confirms that my federal student loan borrowing was limited to a single loan of approximately {$3500.00}. I am requesting that : The inaccurate student loan tradelines reported by MOHELA be fully investigated. Any incorrect balances or accounts that do not belong to me be immediately corrected or removed from my credit report. A full accounting be provided explaining how balances exceeding {$100000.00} were reported for a loan that originated at {$3500.00}. Any improper federal tax refund offsets be reviewed and refunded if collected in excess of the legitimate debt. These inaccurate reports are significantly harming my credit and preventing me from accessing housing opportunities. I am requesting prompt investigation and correction under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: NJ

Complaint narrative:
I am submitting this complaint regarding unauthorized ACH debit charges withdrawn from my bank account at XXXX XXXX XXXX XXXX by Albert Corporation. I have never established a subscriber account or authorized any charitable giving through Albert. I previously stopped the company from processing ACH debit transactions against my account, and they have now resumed these charges, relabeling them as " charitable donations. '' I used the Albert app briefly during the pandemic and permanently stopped using it as of XXXX. I have no active account, subscription, or agreement with Albert Corporation. Despite this, ACH debit transactions have continued to be processed against my account without my knowledge or authorization. I do not engage in subscription services, cash advance programs, or charitable giving through Albert or any similar platform. Because I do not have an active account with this company, I do not have a known account number to reference. I am requesting a full refund of all unauthorized amounts debited from my account, including both ACH subscription charges and unauthorized charitable donation transactions of {$14.00} each. I have also been unable to reach Albert Corporation directly, as they do not provide access to a live customer service representative. I left a voicemail several years ago and never received a return call. These unauthorized ACH debits stopped for a period of time and have now resumed under the guise of charitable donations. I am requesting a full refund for all unauthorized transactions including ACH debits and charitable donation charges for every year in which Albert Corporation has illegally processed charges against my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation