vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : FINAL Comprehensive Complaint - BoA ADV Plus Acct XXXX, Case XXXX ( XXXX Months Unresolved ) I am XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Opened ADV Plus to build credit/loans for house/items. Instead : Account/card locked repeatedly ( mgr promised fix, still locked ). XXXX XXXX NO resolution. 
Prior CFPB closed unfairly ( XXXX ) ; XX/XX/year> in progress - NO positive response, only delays/disappointment. 
$ XXXX monthly fees unfair, wasted money on alternatives ( {$500.00} ), lost gig income. 
XXXX  blacklist : denied new banks/loans/rentals, can not buy essentials/car. Credit ruined. 
Phone disputes ignored/hung up. Too much hardship/stress waiting. 
Demand IMMEDIATE : XXXX. Refund ALL fees/wasted costs {$500.00}. 
XXXX. Permanent unlock, clear XXXX  ( written proof ). 
XXXX. {$2000.00} compensation ( credit ruin, XXXX mo distress, lost opps, time ). 
XXXX. Written case closure + apology. 
Attachments : Statements ( XXXX ), CFPB history ( XXXX ), call logs. 
Had I known this treatment, never chose BoA. First reasonable compensation NOW.

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 2026-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
I am a XXXX driver using the XXXX XXXX prepaid debit card issued by XXXX. My card has been suspended, and I am currently unable to access my earned funds. 

The company is requiring that I transmit a photo of my government-issued drivers license via standard email to verify my identity. I expressed concern that standard email transmission is not a secure method for transmitting sensitive personal identification information. I requested a secure upload portal or alternative secure verification method. 

Customer service instructed me to refer back to the email and disconnected the call. No secure transmission alternative has been offered. 

I am willing to verify my identity immediately. However, I am concerned about transmitting sensitive identification documents via unsecured email. 

Meanwhile, my funds remain restricted. 

I am requesting : XXXX. Immediate restoration of access to my funds upon secure identity verification. 
XXXX. A secure method of transmitting identification documents consistent with financial institution security standards. 
XXXX. Written clarification regarding the legal basis for restricting access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My bank ( XXXX ) advised me that a credit card account was opened for XXXX XXXX at citibank. 

Whike reviewing this with XXXX they noted another application from XXXX XXXX XXXX XXXXXXXX XXXX.. Upon speaking to them they had declined it and closed the 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 non-monetary relief
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TX

Complaint narrative:
XXXX ( XXXX ) XXXX From Frost-Arnett Co XXXX They call me about something from XXXX. I already paid all of my debt in that year. And they have not send me any letter after that in that address ( my relative ). My information was leak by XXXX so this may be scam. I already paid everything. This just come suddenly and no written letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: RTO National
State: WA

Complaint narrative:
This is the second time in the last two months calling before XXXX first time was XXXX and I told her to stop she said it would stop. Then today XX/XX/year> at XXXX XXXX  when she called I told her its XXXX XXXX I am sick and said please call later said she didnt care and was demanding payment was very rude and mean. This behavior just needs to stop calling before XXXX. This company needs to follow the rules.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Debt Collectors International, Inc.
State: MD

Complaint narrative:
Hello I have received emils and calls from the mentioned person below. I have asked them to stop contacting me and they said they would not. I told them after calling over 7 times this week that they are harassing me. Their response was that Im harassing them. I hung up he called right back and threatened that he would put out information that I dont pay my vendors which is false. Please help me with this matter XXXX XXXX XXXX Claims Agent Debt Collectors International , Inc . 
Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
On XXXX at XXXX XXXX i received an email from cit bank saying congratulations on your new account I called the phone number on the website and the guy answered and he asked me for my name and email and the last 4 of my social this happened in XXXX when someone filed taxes under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding TD Banks refusal to close a credit card account ( ending in XXXX ) despite repeated requests and full payment of the balance more than XXXX XXXX  ago. 

TD Bank claims it could not close the account because a merchant had a recurring charge and stated that doing so would impede a contract. This explanation is incorrect. The recurring charge agreement is between me and the merchant, not TD Bank. TD Bank is not legally permitted to keep an account open against a consumers request based on a merchant billing arrangement. 

Despite my cancellation request and the account being paid in full, TD Bank allowed additional charges to post and has now permitted collection activity on charges I did not authorize. I am receiving collection calls for a debt that should not exist. 

TD Banks actions appear to constitute : Failure to properly close a consumer account upon request Billing and attempting to collect unauthorized charges Potential unfair, deceptive, or abusive acts or practices ( UDAAP )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This issue has been going on since XX/XX/year>. It started with XXXX and they determine that the transaction is the responsibility of the credit card service After eight months going back-and-forth with them then I went to Citibank NA, which is the financial institution that Macys XXXX XXXX falls under . Despite the merchant, I purchased the clothing from stating in an email that they would reimburse me. Citibank closed my case in favor of the merchant. I went back-and-forth with the open case Clothes case several times. On XX/XX/year>. I submitted a complaint with XXXX XXXX XXXX and XXXX XXXX XXXX, asking for them to open up the case. They open the case up and no one told me that they close the case in XXXX. during this period, they have been charged me interest in late fees despite the fact that the amount of {$780.00} has been in dispute with no resolution. They even went as far as putting a negative mark on my superior credit report. I want to resolve this issue. My chief complaint is that they did not protect me as a consumer utilizing their credit services and despite the merchant and written form via email stating that they would reimburse me Citibank still sign it with them and close the case please help me with a resolution that makes me feel like a protected consumer

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 2026-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am suspecting that this was a scam and I have no knowledge of a debt that I do not have and I never had a credit card to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I keep call and have been attempting to contact someone leaving messages and no one has answered I keep getting a voicemail https : //velocityrecoveries.comXXXX I spoke with one person 3 years ago and havent received any folly up Im trying to pay my debt this is the number I have been calling ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account was opened fraudulently. FTC identity theft report is filed and attached

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 2026-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX I went to Bank of America on XXXX XXXX in XXXX to withdrawal money. I want it to withdraw {$600.00} dollars and the atm didnt dispense the money after a while the atm machine started beeping. I called my XXXX  surpervisor and they told me that Bank of America kept my money so now they giving me the run around that they dont know anything about it please help me

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 2026-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULLCITY FINANCIAL SOLUTIONS I dispute this XXXX XXXX {$460.00} collection by Bullcity Financial Solutions under FDCPA 15 USC 1692g and FCRA 15 USC 1681e ( b ), 1681i, and 1681s-2 ( a ). I have no record of this debt. No validation has been provided. Failure to verify requires immediate deletion. Remove this inaccurate collection from my credit report now. 

- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan obtained a judgment in XXXX XXXX for {$3800.00}. Since XXXX, {$8200.00} has been collected from my wages through garnishment. 

Despite this, Tower Loan and its attorneys have continued garnishment and are reporting outstanding balances to the credit bureaus. The balances being used include estimated totals and projected future interest and fees through XXXX, not the actual accrued amounts to date under the judgment. 

XXXX XXXX XXXX XXXX is enforcing the XXXX XXXX judgment, but enforcement and credit reporting must be limited to actual, accrued, court-approved amounts to date. I have requested a full, itemized accounting and confirmation that garnishment will cease if the judgment is satisfied to date. 

I am disputing the continued garnishment and inaccurate credit reporting based on projected/estimated balances and request immediate correction.

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 2026-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a complaint against National Credit Adjusters ( NCA ) regarding an alleged debt that has not been properly validated. 
I reside in the XXXX of California. On XX/XX/year>, I formally requested debt validation from National Credit Adjusters ( NCA ). To date, they have failed to provide sufficient documentation to validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and applicable California consumer protection laws. 

Specifically, National Credit Adjusters ( NCA ) XXXX has failed to provide : XXXX. Proof that they legally own the alleged debt. 
XXXX. A complete chain of assignment from the original creditor to National Credit Adjusters ( NCA ) XXXX. A full payment history and explanation of how the current balance was calculated. 
XXXX. A copy of the original signed agreement or contract bearing my signature. 
Despite failing to provide proper validation, National Credit Adjusters ( NCA ) continues to report this account and/or attempt collection activity. 

Under federal and California law, a debt collector must provide proper validation upon request. Continuing collection or credit reporting without adequate verification is improper and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
I sent two letters requesting verification for this debt and both times, they did not send me the information requested.

Additional information provided by consumer : XXXX XXXX said he got an email stating we needed information for the complaint and he provided the information we needed to further assist with the complaint. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Phone : XXXX. 

Additional information provided by consumer : XXXX Please add this to end of the consumers narrative .. " They never responded to my last letter. The letters that they did respond with did not include the information I requested. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management continues to report to the credit bureaus of an unverified debt of {$620.00} owed from XXXX. Under FCRA, Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ), Credence Resource Management are a third party acquiring my personal information through illegal purchase. Under FCRA, they are required to present documented signature from me stating this debt is owed from me. This violation is a clear breach of my privacy rights along with fraudulent activity by use of purchasing my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Re : Account Number XXXX To Whom It May Concern, I am responding to your contact regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act.

Please provide the following : 1. The name and address of the original creditor 2. The full account number 3. The amount of the alleged debt, including a breakdown of fees, interest, and charges 4. Proof that your company is legally authorized to collect this debt 5. A copy of the original signed agreement or contract 6. Proof that the statute of limitations has not expired Until you provide proper validation, I request that you cease collection efforts and communication with me. 

If you can not validate this debt, I request that it be removed from my credit report. 

I prefer all communication in writing. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
COMPLAINT DESCRIPTION I am filing this complaint against ChexSystems for reporting and failing to remove fraudulent and unauthorized inquiries from my consumer file. These inquiries were not authorized by me and appear to be the result of identity theft. Despite notifying ChexSystems of these fraudulent activities, the unauthorized inquiries remain on my consumer report. 

I am requesting that the CFPB investigate ChexSystems for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their obligation to ensure maximum possible accuracy and remove fraudulent or unverifiable information. 

I am requesting the immediate removal of all fraudulent inquiries and written confirmation of the corrections. 

RESOLUTION REQUESTED Remove all fraudulent inquiries Correct my ChexSystems consumer file Provide written confirmation Investigate ChexSystems for FCRA violations

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
on XX/XX/XXXX i got a notification from XXXX letting me know that a new account posted to my credit and i am disputing this account because i have no contract with this company they bought debt from someone else who i no longer owe because i paid to get out my contract and moved to XXXXXXXX XXXX i don't understand why this company keeps coming back reporting on my credit this is unacceptable and after building my credit back up my score went down XXXX points due to this collection reporting inaccurate information this is affecting my daily life and i am stressed out because this company is violating my rights under 15 u.s.c 1681s-2 ( a ) data finishers are required to report only accurate and complete information. reporting univariable or inaccurate data is a violation of the federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Loancutters Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I accepted a loan that I now wish I would have had a better understanding of. I entered a two-year contract with XXXX XXXX XXXX XXXXXXXX through Evoque Lending. It was a hard-money Business Purpose loan for {$350000.00} that had a balloon payment at the end of the two-years. The payments were for {$3200.00}, which were interest only payments at an interest rate of 10.99 %. Included in the {$350000.00} were twelve prepaid payments. In XXXX after the twelve prepaid payments, I went through a separation which resulted in me needing to go to family court to obtain a XXXX XXXX XXXX XXXX and request for full custody of my child. My attorneys fees and the lack of money to pay for the payments resulted in me getting behind on my payments. I asked XXXX XXXX XXXX XXXXXXXX if I could plan to get caught up on my payments and they refused. I also asked if I could utilize mortgage funding resources to get caught up on my payments, again they refused to collaborate with me. I also reached out to a HUD counselor for assistance, and again XXXX XXXX XXXX XXXX refused to allow me to get caught up on my payments. It was in XXXX of XXXX that I had no other choice but to file for XXXX XXXX XXXXo save my home. In the initial filing my payments to the Trustee were set at $ XXXX a month. I found this to be outrageous considering this was triple the amount of my original payments. I was able to make few payments but was financially a huge struggle for me. In XXXX of XXXX, I collaborated with my attorney to get a new plan to lower my trustee payments. The new plan was approved for $ XXXX a month. Again, I was able to make a few payments, but it is still a huge financial struggle to pay. With being forced to file for bankruptcy to save my home, I have been unable to secure a loan with better terms and a lower payment to keep my home. From talking to several different lenders and a few different attorneys it was explained to me that I should never have been put into this loan. Looking at the terms and conditions along with my income and equity, this was not the best solution for me to get funding. I am now faced with having to sell or foreclose on my home. From researching other complaints, it seems that Evoque Lending along with XXXX XXXX XXXX XXXX have put other people like me into similar loans. This loan was set up as Business Purpose loan, which I have now found out should not have been disclosed as such. This property is my primary residence and has never been for business or investment purposes. It seems as if I was set up to be in the situation that I am in now. I am hoping that with this complaint something can be done to help me along with others that have endured the same type of suffering unfair lending practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation