vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I use my card for travel. In late XXXX ( XXXX or XX/XX/year> ), I attempted to use my card on the XXXX XXXX app to buy train tickets and my card was declined. Then in XX/XX/year>, I tried to book a trip to XXXX on my card and it was declined. I called the number on the back of the card. After answering several questions about my usage and verifying info about my attempted charges, personal account info and recent request for an additional user on the account, I was told there was a hold and I could not unfreeze the account and use the card without supplying specific info. I asked to speak with a supervisor and was told that they would tell me the same thing. I said I would cancel the card and take my business elsewhere. I was told I could not close the account without supplying to info. I ended the call and called back the next day. This time I was transferred to a supervisor and was told the same thing. This time I asked what info they required-I was told, a copy of my social security card, driver 's license and a utility bill. I said that makes no sense to me, I refused and I am now trying to close 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 explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing this complaint against Barclays due to their persistent failure to stop mailing unsolicited, blank balance transfer checks to my home address, creating a severe and ongoing risk of financial identity theft and mail fraud. In XX/XX/year>, my wife and I contacted Barclays customer service via telephone to explicitly request that all blank convenience checks and promotional mail offers be permanently stopped. The Barclays representative successfully verified my wife 's identity and verbally confirmed that the system would be updated to disable these mailings. The representative stated that the opt-out process could take up to XXXX days to fully take effect. The XXXX window has completely lapsed, yet Barclays has failed to comply with our request. We have continued to receive blank, fully actionable balance transfer checks in the mail every single month since our call, including the current month of XX/XX/year>. By continuing to send unauthorized, blank financial instruments containing our account and routing information through the postal system against our express directives, Barclays is actively compromising our financial security and exposing us to interceptive mail theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Approx XX/XX/year>, I contacted my Citi Secured Credit Card. I requested to close the account as I was not happy with Citi bank for various reasons. I requested my {$200.00} deposit of secured funds be applied to close the account, along with a waiver of a minimal fee to have the account settled in full, and closed. I did make more than one payment in the same month, and was rest assured by Citi representative that my account would therefore be settled and closed. Much to my surprise a few years later, I am seeing this account tied to several debt collectors. I do remember disputing this account with my credit bureau, at which ultimately the account has never been removed. I attempted to contact Citi Bank several times regarding the matter and was waiting for a resolution that never arrived. As I learn more about my credit and see how this is negatively affecting me, I believe a thorough investigation is deemed necessary into my conversation with agent, Citis agreement to close the account as paid in full, and Citis negligence in properly reporting the correct changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I went through a local car dealership to option a XXXX XXXX XXXX used car in XXXX. I traded my XXXX XXXX XXXX for a down payment of $ XXXX and was supposed to be purchasing newer vehicle for approx $ XXXX plus financing charges making total around $ XXXX. After the completion of paper work and leaving I noticed the totals and costs had been significantly different ; included but not limited to my trade in amount being added to the total compared to deducted. I called the dealership and they stated that was now the leasing/loan companies contract and they couldnt alter or help in the situation. I have made payments and have had hardships during the duration of the loan but with the XXXX down balance I began with it was a dead end no matter what I did. My husband and I have had multiple deaths in the family and have put that loan on the bottom of our priorities considering economy, XXXX children and primary bills needing attention first. I have discussed this with the company and have even gotten extensions and help. But at this point my main concern is the lengths they are going after Ive illicitly told them I was not paying on a vehicle this XXXX down and considering the state of the loan no other financial institution will touch it. The value has significantly dropped in 3 years making my balance after that length of time $ XXXX and the XXXX value only around {$7500.00} to $ XXXX. They have harassed and continued to cold call not only my husband and I but ours minor childrens phone numbers as well as my employer and have told coworkers the reason for the call and completely ignored being told it was inappropriate. My supervisor has now told me to transfer them to her when and if they call again. I work at a hospital and its highly looked down upon. Refinancing has not been given as an option and considering my trade in was practically stolen from me and added to the total on top of the unprofessional manner ARIVO ACCEPTANCE has handled this matter I am floored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive had trouble with XXXX XXXX in the past they opened another account must of not got to lucky tho I need this removed along with the inquirys TransUnion is furnishing information on an account resulting from identity theft after receiving a valid Identity Theft Report, in violation of FCRA 605B and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, This is related to the closed claim ( Claim ID : XXXX ) I submitted here on XX/XX/year>. The original claim I filed was closed for the reason that Citibank will investigate it and it will take up to 200 days. Today on XX/XX/year>, I received a letter stating the claim was denied because the time interval between notification and reporting exceeded 30 days. This reasoning is incorrect. I first became aware of the unauthorized transactions on XX/XX/year>, via a phone call with Citibank customer service and got notified of the following 2 transactions that occurred in my CD account ending in XXXX on XX/XX/year> : 1. A transfer of {$44000.00} from my CD account to an individual named XXXX XXXX. 2. A withdrawal of {$5000.00}, resulting in the closure of my CD account. These transactions in question never appeared on my electronic statements or any other documents. Once I was notified of these 2 unauthorized transactions, I reported these activities to Citibank immediately through the following actions : - XX/XX/year> : Contacted the XXXX XXXX XXXX branch within three hours of discovery. The local branch manager promised to call me back with the updates within a week, but I never heard anything back from her. - XX/XX/year> : Sent a formal written notice to XXXX and XXXX XXXX XXXX in this chain. - XX/XX/year> : Met with branch manager XXXX XXXX XXXX XXXX at the XXXX, IL branch to discuss the same claim Additionally, there is a discrepancy in the claim amount. The letter cites {$49000.00}, but the correct total is {$50000.00} plus the accrued 9-month CD interest. I spoke with a representative named XXXX today at XXXX to initiate the appeal process right after I received the letter via mail. I am also filing a new claim here aiming to get the serious attention to my claim, so that the corrective actions can be taken by Citibank in a timely manner. Please let me know if you require any further information. I can be reached via email or at XXXX. Thanks, 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 2026-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have a VA loan which is serviced by Freedom Mortgage. I have had this servicer for approximately 8 years. In In XX/XX/XXXX I received my statement that had " Amount Due as {$2000.00}. I sent in the payment for that amount. 30 days later, I get a letter in the mail that says my last payment was not made. I confirmed with my bank that it was made and it was. I called Freedom. They said I sent the wrong amount and that the payment was {$210.00} short. Freedom stated that they did not apply the short payment and that I owed the shortage and a {$89.00}. Penalty. I immediately made the payment electronically. I looked at my statement see how this happened. I did send the amount clearly on the statement exactly where all of my prior amounts due had been in the past. There was another amount in a different place that showed the higher number. In the prior 2 months and the subsequent 3 months each statement had a different amount on it and the header for the statement showed the amounts in different places. I went through a lengthily process with Freedom and confirmed that I had never been late as they agreed and sent me my payment history. My credit score prior to this was XXXX. I requested Freedom remove the only late payment on my credit report and they refused. Their amounts due changes each month for several months and the amount due was moved to different places and had different amounts on the statement. In each of the attached statements the amount due is in the Box. The statement for XX/XX/XXXX has {$2000.00} in the exact spot of each and every other month. That is the amount I paid. The date was the confusing part. I will attach the payment history from Frredom as well showing never a late 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 2026-06-16 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint against my bank for an explicit violation of Electronic Fund Transfer Act ( Regulation E ) consumer protections regarding claim number XXXX On XX/XX/XXXX, my personal, XXXX XXXX account was compromised in a third-party account takeover cybercrime. A hacker successfully breached my XXXX profile and manipulated the vehicle transaction details. Because the secure platform was hacked, I was induced into sending a XXXX payment of {$990.00} to an account controlled entirely by the cybercriminal. I immediately reported this fraud to my bank, and I also contacted XXXX Corporate Fraud Department. XXXX officially investigated the security breach and formally confirmed to me that my account was indeed hacked and compromised by an outside party. I have attached the proof of this security breach from XXXX directly to this complaint. Despite clear corporate evidence proving that a third-party cyber hack directly caused this fraudulent transaction, my bank summarily denied my dispute. Under federal Regulation E guidelines, financial institutions are legally obligated to evaluate the complete circumstances of an unauthorized transaction, including external account takeovers that compromise a consumer 's financial security. By ignoring the hacker 's breach of my XXXX account and issuing an automatic denial, the bank is violating federal consumer safety laws. I request that my bank immediately reopen this case, review the attached corporate confirmation of the hack, reverse their denial, and credit my account for the stolen {$990.00}

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of XXXX I had received a {$12.00} bill for monthly services with XXXX on my Bank of America credit card. I had forgotten to pay this bill through the next credit cycle and was not summarily informed by Bank of America about my outstanding delinquent status. Despite being a loyal customer with no missed payments for 11 years and having an outstanding balance of only {$12.00}, the bank had issued a credit charge against my for the delinquency which absolutely cratered my credit score from the mid XXXX 's down to the high XXXX 's. This has put my ability to purchase a home in jeopardy despite representing a very minimal amount of financial obligation to Bank of America and being ameliorated as soon as I discovered the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Received several charges on my debit card totaling around {$4000.00} someone got my account information some how this is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to my Bank ( Truist in XXXX TX ) I took with me my phone that has all my email to prove my bank account was being hacked. I had received a phone from a person identifying himself as from the Fraud Department at Truist Bank. He told me I should be getting an alert that someone has written checks for a large amount on my account and was this me? I said it was not and said I was hanging up to call the Bank immediately to have my account frozen. He then told me that is what the Fraud Dept. does. I then said I wanted to make sure I was talking with a Truist member. He stated he understoodand that is why they always have proof. This person then read me off my last 3 deposits and 10 debits from my account- all were correct. So I had no reason not to believe they was with Truist. I even got alerts from Truist each time he said I would be getting them. I showed these all to the Manager at the Bank and he was quiet impressed as to how they got the Banks logo down so good. Anyway while this person was on the phone with me he said he was going to lock my account and wanted me to try to go access it. I got online but could not access my account just as he had said. He then said he was going to open it back up as well as a different account and I would need to transfer my funds over to the new account using XXXX. I have never heard of this but this person was in my account moving my money from my savings to my checking. I noticed my funds were very low and was told that was because the hackers were taking the money. He then instructed me to go to the bank and approve the XXXX transaction but not to say anything because the person that has accessed my account works at the bank. I now grew very suspicious and went straight to the bank and nobody had a clue as to what I was talking about. Needless to say about XXXX was taken out of my account before I got it locked down. The Bank Manager then filled out the forms for the fraud however I received an email later that they rejected the claim. They did not think it was fraud. This was not the first time my account was hacked at Truist and all claims declined, but thank goodness they were small amounts. This last time was large to me and I closed out my accounts at Truist letting them know after 30 years of doing business there I was done with them. I am now getting letters reporting that my account is overdrawn. I have contacted the bank again to discuss all the proof I have kept proving this was fraud. I am at my loose ends on what to do now. A friend of mine told me to contact 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
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
US Bank froze my account with my funds without providing a reason. I asked to draw out the remaining funds and they declined and didnt give me any reason why they froze my account. I want my funds asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I dispute the accuracy of this debt and request validation pursuant to applicable federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Nexus Nova LLC
State: IL

Complaint narrative:
I submitted a formal Notice of Error and Qualified Written Request ( QWR ) under RESPA to Rosegate Servicing on XX/XX/year> for Loan XXXX XXXXXXXX. I suspect that my escrow funds were used to pay property taxes for the wrong condominium unit : PIN XXXX ( Unit XXXX, owned by XXXX XXXX XXXX XXXX instead of my correct PIN XXXX ( Unit XXXX ). The amounts and dates appear to line up with approximately {$9400.00} paid to the neighbors unit, which caused my escrow balance to go significantly negative and resulted in a claimed shortage of {$4500.00}. I have provided supporting documentation including XXXX XXXX XXXX records for both PINs, my transaction history, and my approved Homeowner Exemption ( Filing ID XXXX XXXXXXXX ). Despite multiple follow-up emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Rosegate has not provided any substantive response or the requested line-by-line reconciliation showing which PIN received each tax disbursement. They have only sent generic acknowledgments. This matter has been outstanding for over a month with no meaningful investigation or 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 explanation
Consumer complaint received 2026-06-16 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This is regarding a Barclays XXXX XXXX XXXX. I believe back as early as XX/XX/XXXX I noticed that over XXXX loyalty miles were missing from my card. Records show on XX/XX/XXXX that these miles were used for XXXX airlines tickets. I have called the company 3 times, spending just on the phone over XXXX without resolution. They have XXXX back and forth between the fraud division and benefits division about responsibility. As of now they still have not reinstated my miles. It is shocking to me that for an account that is never delinquent, cardholder for over a decade they do not simply reinstate the miles while they investigate. The public should be aware of such anti-consumer friendly behavior.

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