vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I had reached out to the Department of Education inquiring why Im not at the 120 payment count for my student loans and why some listed were ineligible to be counted in my 120 count. I was informed those loans were placed in forbearance without me knowing or me electing to have them placed in forbearance. If they are made eligible, I could be at my 120 count of payment.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is the email that was sent to a number of people especially XXXX XXXX - I am writing to address a significant concern regarding a recent check deposit and the prolonged hold placed on the funds. On XX/XX/year>, I deposited a check for {$5700.00}. I was initially informed that these funds would be held until XX/XX/XXXX. However, I subsequently received an email notification stating that the check might be returned, followed by another communication extending the hold period until XX/XX/XXXX. This situation is particularly perplexing given my recent transaction history. Last month, I deposited two checks from the exact same corporate entity, for amounts of {$550.00} and {$5700.00}, respectively. While these checks were initially subject to a hold, they cleared significantly earlier than the original estimated dates. Furthermore, earlier this month, another check for {$550.00} from the same company cleared within a single day. I anticipate receiving a third set of checks from this source next month, around the same date. I have already contacted the bank 's customer service to clarify this inconsistency. It is unclear why a check from a consistent and established source, with identical details and amounts to previously cleared transactions, is now subject to such an extended and seemingly arbitrary hold. I find it difficult to comprehend the necessity for repeated, prolonged verification processes for deposits that have consistently proven legitimate. The communication surrounding this issue has also been a source of concern. Receiving email notifications about potential returns and further delays, rather than a direct phone call to explain the situation, is unhelpful, especially when time-sensitive matters are involved. I have pending financial obligations that were scheduled to be met with these funds, and the unexpected delay is causing considerable inconvenience. I request a comprehensive explanation for this extended hold. Please clarify the precise reason for the delay, especially in light of the prior quick clearance of identical checks from the same payer. I should not be required to provide supplementary documentation for every routine deposit from a reputable company, particularly when the account and payment details remain consistent and verifiable. This recurring issue and the current uncertainty are extremely frustrating, and the resolution process so far has fallen short of the professional standards I expect. I urge you to investigate this matter thoroughly and provide a prompt resolution.

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 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent collection reporting associated with identity theft. I recently completed and submitted an FTC Identity Theft Report regarding accounts being reported by your company that I do not recognize and did not authorize. I formally disputed these accounts and requested investigation, validation, and removal pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2. Despite my dispute and identity theft documentation, these accounts continue to be reported and/or collected upon, causing significant harm to my consumer reports and housing opportunities. I am requesting that the CFPB review this matter and require the company to : Conduct a proper investigation Provide full validation and supporting documentation Cease collection activity pending investigation Block and remove any fraudulent or unverifiable reporting Confirm the results of the investigation in writing Attached supporting documents include : FTC Identity Theft Report I am requesting immediate compliance with federal consumer protection laws and correction of my records.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Against BMO Bank N.A . I am filing this complaint regarding BMO Bank N.A.s handling of my new checking account and failure to honor a promotional bonus offer after I fulfilled all stated requirements. BMO advertised a promotion offering a {$400.00} bonus for opening a new Smart Advantage Checking account and receiving at least {$4000.00} in qualifying direct deposits within 90 days. I opened the account after knowing about this promotion and successfully met the required direct deposit threshold within the stated time period. After fulfilling the requirements, I waited for the promotional bonus to be credited. Instead, approximately two weeks later, BMO abruptly closed my account without warning or explanation. The promised {$400.00} bonus was never paid. Since then, I have experienced significant difficulty contacting the bank. I attempted to call the XXXX branch ( Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) multiple times using the publicly listed number ( Phone : ( XXXX ) XXXX ), but the calls would ring endlessly without answer. On one occasion, I briefly reached an employee who provided me with an email address ( XXXX ) for follow-up communication. I sent multiple emails requesting clarification and resolution to this lady, but received no response. I believe BMO acted unfairly and improperly by : 1. Closing the account after I satisfied the promotional requirements ; 2. Failing to provide the earned promotional bonus ; 3. Failing to provide a meaningful explanation for the closure ; and 4. Failing to respond adequately to my attempts to resolve the issue. This conduct appears deceptive and inconsistent with the promotional terms offered to consumers. Desired Resolution : Payment of the {$400.00} promotional bonus that I earned after meeting all qualifying conditions ; Written explanation for the account closure ; Review and correction of any improper internal reporting related to the closure ; Reinstatement of the account if possible, or confirmation that the closure will not negatively impact my banking history or consumer reports. I am prepared to provide supporting documentation, including proof of qualifying direct deposits, screenshots or copies of the promotion terms, account records, and copies of my communications with the bank.

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 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent collection reporting associated with identity theft. I recently completed and submitted an FTC Identity Theft Report regarding accounts being reported by your company that I do not recognize and did not authorize. I formally disputed these accounts and requested investigation, validation, and removal pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2. Despite my dispute and identity theft documentation, these accounts continue to be reported and/or collected upon, causing significant harm to my consumer reports and housing opportunities. I am requesting that the CFPB review this matter and require the company to : Conduct a proper investigation Provide full validation and supporting documentation Cease collection activity pending investigation Block and remove any fraudulent or unverifiable reporting Confirm the results of the investigation in writing Attached supporting documents include : FTC Identity Theft Report I am requesting immediate compliance with federal consumer protection laws and correction of my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am disputing the reporting of this student loan account because I believe the information being furnished and reported is inaccurate, misleading, incomplete, and not properly verified pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Despite previous disputes, the account continues to be reported in a manner that is damaging to my consumer report and financial reputation. I request a full investigation and deletion of any information that can not be properly verified with complete accuracy. I also request that all reporting agencies and furnishers comply fully with the FCRA and immediately remove any unverifiable, inaccurate, misleading, or improperly reported information related to this student loan account.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
We are filing this complaint because Simmons Bank refuses to review and lower our current monthly mortgage payment despite the fact that we have already paid the escrow shortage amount and completed the 12-month repayment plan. In XX/XX/XXXX, Simmons Bank notified us that our mortgage account was already behind due to increased escrow obligations. This immediately caused significant financial hardship and negatively impacted our credit scores. After carefully analyzing the escrow projections provided by Simmons Bank, it appears the escrow shortage calculation may have improperly included two years of obligations instead of one year. Specifically, the projections included : * City taxes projected at {$9900.00} for both XX/XX/XXXX and XX/XX/XXXX * Hazard insurance projected at {$1000.00} for both XX/XX/XXXX and XX/XX/XXXX As a result, the projected escrow shortage totaled approximately {$22000.00}. We have already covered the escrow shortage amount and completed the 12 months of the repayment plan required by Simmons Bank. However, the bank refuses to adjust or reduce our monthly payment. In XX/XX/XXXX, we also submitted a Loss Mitigation application to seek assistance with the unaffordable mortgage payments. Our application was denied, leaving us without any reasonable solution or assistance despite our ongoing financial hardship. We have repeatedly attempted to contact the escrow department by phone and leaving voicemails on the following dates : ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) and email without success. We also spoke with a representative named XXXX, who informed us that our payments must be completely current before the bank will perform a new escrow analysis. Unfortunately, the current monthly payment amount is financially impossible for us to maintain. Because the payment remains excessively high, we continue falling further behind each month with no realistic opportunity to catch up.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I closed my Virgin credit card with Synchrony on XXXXXX/XX/year> because the annual fee was due and I do not use the card enough. I was told the account would be closed per my wishes and the annual fee would be removed. The annual fee was not removed, I am now being charged late fees and interest and being threatened with collections.

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 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
I received a call on XXXX XXXX XXXX from a lady stating she was with Credit Corp solutions inc. She proceeded to say that there was a debt that I owe with XXXX and she does not represent them however, Credit Corp Solutions purchased the debt from XXXX and wanted me to pay or make arrangements to pay {$2000.00}. I explained to her that I spoke to XXXX in XXXX and other occasions about returning the equipment to to XXXX XXXX XXXX because due to major medical issues I was unable to pay for this equipment any longer. She replied she did have anything to do with XXXX either. She referred me to speak to a supervisor and I told him the same information. The call ended and I received an email with a balance of {$2600.00}. Owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insikt, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I was contacted about a loan that was taken out via lendify in XXXX of XXXX. When asked to validate the debt i was hung up on. When I called back I was told that " I am not about to do this with you '' and hung up again. They read my entire SSN to me, which is scary. They said my original loan was {$700.00}, but now owe over {$4500.00}. They said they would settle for {$710.00}, which is when I asked for debt verification because I never took a loan out. The companies name was XXXX XXXX XXXX XXXX. When i searched online I discovered that this is a scam company that has somehow gotten my SSN.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have filed a CFPB complaint about my problem with Citibank. Citibank asked me to provide more information and to cancel the original check and reissue a new one. I have done this and sent them the information, including the new check, the tracking number, and the destination. They have the check number, amount, tracking, etc. Now I find out that Citibank is in the process of changing my account number and still hasn't resolved the payment issue. If the account number changes, my check lists the old account number, which could further delay processing and final completion. This has gone on for too long and Citibank appears to be playing games. This needs to stop!!! Tracking 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 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a legal hold placed on my account on XX/XX/XXXX. I contacted the XXXX Department of Revenue to address the issue. A release of levy was faxed to Capital One bank on XX/XX/XXXX by XXXX at the Iowa Department of Revenue. I called Capital One Bank for an update on XX/XX/XXXX and was told that all the bank could tell me was to call XXXX at XXXX Department of Revenue. I advised the customer service that I had already talked to her and she faxed a release of levy the day prior. Again the rep repeated the same information over and over until I requested a supervisor. Once transferred to a supervisor I was told that the fax was not received yet. I was informed that it could take up to 5 days for the fax to be received in their office. On XX/XX/XXXX I called Capital One again for an update and was told they still had not received the fax. My next call was to XXXX to request she resend the fax. XXXX attempted to call Capital One to verify the fax number she had on file, after reviewing her notes she called me back and said that it was noted that Capital One would not talk to an IRS agent on the phone without the customer on the line. I then did a conference call between XXXX, Capital One and myself where we were given the same speech about it taking 2 - 5 business to process the fax. Nothing further was offered regardless what questions or clarifications we requested. On XX/XX/XXXX I called Capital One again for an update and was told the same information that I had to wait. I requested a supervisor who told me it was Capital One 's policy that release of levies take up 10 business days. I asked for the process to be expedited and steps I would need to take. I was informed that i had to wait 10 business days. This supervisor would only repeat that same information to me without offering any other options. I asked if there was someone else I could talk to and he suggested I write the CEO of Capital One. The funds remain frozen 5 days after the release of levy was sent to Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I formally requested via certified mail that the debt collector ; Caine & Weiner provide me with the below information with regards a debt reflected in my XXXX report from XXXX in the amount of {$84.00} dated XX/XX/XXXX which I received a letter from them stating they were not able to locate an account. Therefore, until it is validated, the information concerning this debt is assumed to be inaccurate. 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Company continues to assert a false and inaccurate reason to justify erroneous closure of account. Escalate for appeal and re-review. Assign to different reviewer than XXXX, she has been unresponsive and did not address complaint in her response. Account closed for invalid reason ( alleged bad address, but address was correct and unchanged throughout account ownership ). No notice or reason given to cardholder. Cardholder entitled to reinstatement under FCRA. My address remained the same throughout the period and there was a USPS mail forward in place throughout. There was no return sender. So that is not an accurate basis for termination. Please escalate to a higher level for reinstatement given the erroneous 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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint because Wells Fargo is wrongfully withholding {$3800.00} that belongs to me. Both my checking and savings account were closed on XX/XX/year>. This was my every day accounts with regular deposits. The funds were deposited into my Wells Fargo account by ACH from the U.S. Treasury. Although the deposit source was the U.S. Treasury, these funds are my property and belong to me. The source of the deposit does not change ownership of the money. Wells Fargo closed my account on XX/XX/year>. In its written response, Wells Fargo admitted that the remaining funds were placed into a suspense account pending IRS reclamation. This confirms that Wells Fargo is currently holding my money rather than releasing it to me. Wells Fargo has not provided any evidence that the funds were fraudulent, unauthorized, or subject to a legal restriction. Wells Fargo has also not provided proof that the funds were returned to the U.S. Treasury. If the funds have not been returned to the Treasury, Wells Fargo is continuing to hold my property without justification. I am requesting that Wells Fargo immediately provide a clear written answer to the following questions : 1. Are the funds still being held in Wells Fargos suspense account? 2. Have the funds been returned to the U.S. Treasury? 3. If the funds were returned, on what date were they returned, and what is the ACH trace number or other confirmation? 4. If the funds have not been returned, what specific law, regulation, or internal policy is preventing Wells Fargo from issuing a cashiers check to me immediately? I am demanding that Wells Fargo do one of the following within five ( 5 ) business days : 1. Overnight a cashiers check to me in the amount of {$3800.00} ; or 2. Provide written proof that the funds were returned to the U.S. Treasury, including the date and transaction trace information. Wells Fargos continued refusal to release funds that belong to me is causing financial hardship and appears to be an unreasonable withholding of customer funds. I request that the CFPB require Wells Fargo to provide a substantive response and resolve this matter immediately. Thank you

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