vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2025 XXXX XXXXXXXX XXXX XXXX, XXXX, New York XXXX at a Bank of America branch I am not sure what time I arrived at the location. A bank employee came over and ask if I need any help I said yes she then went and speak to the one of the bank officer inside the office. She then return and let me know a bank officer is available. I went to the bank officer and introduce myself to him stating my first and last name. I am XXXX XXXX my reason for visiting the branch is to open a Saving Account with Bank of America. The name of the Bank officer is XXXX XXXX I let the officer know I am unhappy with XXXX XXXX XXXX. I received information of another account ending in a different numbers than the account that I am currently using. Which is XXXX XXXX ending in ( XXXX ) inside of my I.D . Me Identity Verification account. I have also received Third- Party information that do not match the account that I am currently using from XXXX verify email address to my XXXX address that the company have on file. 

XXXX let me know the requirements to open a Saving Account. I provided to him the informations such as Passport and Social Security Card along with a check. After we completed the paper work he let me know to write on the check pay to myself. He provided the documents inside a white envelope and instructed me to make the deposit with the check and one of the document with the bank Teller. She accepted the check, Passport and the document the transaction was completed she let me know that a hold will be place on the transaction for two days after the cash will be available. I received two emails after the opening date from Bank of America. The first on XX/XX/2025 welcome to bank of America second stated, XXXX, welcome to your new Saving Account On XX/XX/2025. I returned to the same location on XX/XX/2025 I went to the Teller introduce myself and let her know I want to make a deposit I gave her my Passport and a Check. She introduce me to another employee the employee introduce me to XXXX advisor his name is XXXX. He provided consultation for XXXX investments and after gave me some documents inside a envelope. After the consultation XXXX advise that I take the check to the banking Teller to deposit she accepted the same documents after a few minutes the transaction was completed she gave me two transactions receipts and my documents. After I return to the hotel I received a call from a bank of America agent asking to verify the transaction I confirmed to her that I am the person responsible for making the deposit of the amount listed on the check and transaction receipts. I returned to the branch on XX/XX/2025 and the employees speak briefly to me letting know that the account is close.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XXXX XXXX a process server representing Ally Bank came to my home. During this encounter, the individual blocked my vehicle inside my garage, refused to leave my property when asked repeatedly, and remained on the premises until my husband arrived home and forcefully demanded that she leave. My minor children were present and became fearful due to the individuals behavior.This conduct went far beyond lawful service of process. Blocking a vehicle and refusing to leave private property is intimidating, inappropriate, and potentially unlawful. Process servers do not have authority to detain individuals, restrict movement, or harass families at their homes.At this time, I do not have the name of the individual server, but attached is a screenshot of her from our doorbell camera. Since then, I have had at least five additional process servers show up even though I have told every single one of them I do not work for XXXX as of XX/XX/year> and I do not know where the individuals they are looking to serve are located. However, Ally Bank is responsible for the actions of its agents and subcontractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT CONTROL SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding Citis handling of my credit card account during a documented period of financial hardship. 

On XX/XX/XXXX, I proactively contacted Citi to explain that I was experiencing financial hardship that had already been ongoing for several months and that I would likely be unable to make the full payment due in XXXX. During that call, I requested information regarding any available hardship programs, reduced payment options, or temporary accommodations. I was advised by Citi representatives that no programs were available at that time and that I should call back at a later date, as better options might then be offered. After that call, I did not receive any follow-up, outreach, or information from Citi regarding hardship assistance. 

On XX/XX/XXXX, I made a partial payment on my Citi credit card account in good faith in the amount of XXXX. Prior to and after that payment, I contacted Citi multiple times to request hardship assistance due to ongoing financial instability and lack of job security. Historically, my minimum payment on this account was approximately {$200.00}. In late XXXX, the required minimum payment increased first to approximately {$260.00}, and then abruptly to over {$400.00}, without any meaningful explanation or assessment of my financial circumstances. 

On XX/XX/XXXX, I again contacted Citi to request enrollment in a hardship or forbearance program. During that call, I explained that I could reasonably afford a payment of approximately {$80.00} per month while my financial situation remains unstable. Citi representatives advised that my only options were to make a payment of approximately {$500.00} to keep the account current or to close the account and enter a repayment plan at approximately {$300.00} per month. 

Citi did not offer any reduced-payment hardship program, temporary forbearance, or alternative accommodation aligned with my stated financial capacity. I was informed that despite my partial payment in XXXX ; the account would still be considered late and subject to adverse consequences. 

I believe Citi failed to provide reasonable hardship assistance or meaningful options despite my proactive outreach, partial payment, and documented financial hardship. I am requesting that Citi review this matter, provide a fair hardship accommodation, and refrain from penalizing my account while I am actively seeking 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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I dispute the I.C. system collection .acct # XXXX. I.C. system is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is 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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/year>, I received multiple incoming calls that appeared to originate from Navy Federals published customer service number. The callers identified themselves as Navy Federal fraud personnel and stated that a fraudulent {$4500.00} XXXX XXXX loan had been opened in my name and deposited into my account but did not register. I was told that to close the fraudulent loan the funds needed to be sent back to XXXX XXXX as part of a standard fraud reversal procedure. 

The callers reinforced legitimacy by reading several of my past legitimate transactions with complete accuracy and by correctly referencing my XXXX XXXX XXXX rank, which is not publicly disclosed. They also claimed to see fraudulent debit transactions from XXXX. Because the callers possessed non-public personal information and account information, and because the calls appeared to originate from Navy Federal, I reasonably believed I was speaking with Navy Federal fraud personnel. I then followed their instructions and transferred {$4500.00} from my Navy Federal checking account to XXXX XXXX. I did not receive any goods, services, or benefits from this transaction. 

When I realized I had been scammed, I immediately reported the fraud to Navy Federal and submitted a claim. My claim was denied multiple times with template responses. Navy Federal did not address the impersonation, the non-public account information used, the spoofing of Navy Federals phone number, or my requests for an explanation of how the transaction was considered authorized under Regulation E. I requested clarification of what documentation could exist in a phone-based impersonation scam, and no answer was provided. I asked for supervisory review and received no substantive response.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/year> I regretfully applied for a discover secured cc. On XXXX I received the atrocious card and tried to use it and was unable to. Getting bounced around from uneducated to uneducated reps in the caller que to finally have a rep tell me the account was closed due do the tax form. I call for a refund and now I am being told my XXXX dollars will not be here til my account is officially closed THEN 2 BILLING CYCLES and then 10 days. I should charge you interest on my money you were so quick to take it and then you can give it back whenever you want. That is completely atrocious. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: LA

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I is a debt collector. They are falsely reporting on my credit!! Account number is 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 2026-01-08 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: AR

Complaint narrative:
The collection company is credit collection services. They are trying to collect {$290.00} and has reported this on my credit as a collection as of XX/XX/year>. I called them to get an address to send a debt validation letter to them. The first person hung up in my face and the second told me that they couldn't provide their address to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX filed for wage garnishment on a debt that, I believe, was opened by my ex husband in my name. I found out about the debt when they filed to garnish my wages with my employer. 
It appears the debt is from XXXX ( Georgia law only covers debt for XXXX  years ) that charged off but they continue to assign interest. My wages were garnished, however I was given the money back because this company does not file for disbursement. Almost a year later they filed for garnishment again and again have not filed for disbursement. According to the local clerk of the court they can continue to do this for XXXX   years from the court order. All the while they keep adding interest fees to a charged off account but never collect the funds. According to XXXX debt collection this debt is too old to collect on ( or so I thought ). I have attempted to communicate with XXXX XXXX but no one answers email or phone calls. I would like this resolved. I was not informed of the action in XXXX and had no opportunity to respond to the motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is 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 2026-01-08 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX my phone was stolen and money started getting taken out of my account on XX/XX/XXXX. I called the bank, Chime and informed them that my previous phone was stolen. They informed me that my account would be safe once I changed my passwords and got a new card. They were supposed to remove access from my previous phone that was stolen so that it would not be able to access my bank account. They did not do this and it happened again on XX/XX/XXXX my Chime account was once again compromised and {$1000.00} was fraudulently stolen from my account. I informed Chime about this on XX/XX/XXXX and they said I should receive my {$1000.00} back within 45 days once they investigate to see if the money was fraudulently stolen and transferred out of my account. After one day, they denied giving my money back and ended the dispute. I then went to the police station on XX/XX/XXXX and filed a report once we found out the perpetrators. On XX/XX/XXXX I contacted Chime again and let them know I had a police report that proved that the money was fraudulently stolen. Chime told me this was good and what I needed to get my money back. I submitted this new info to them and they denied me again of getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Hello, I am a victim of Identity theft and this company is attempting to collect a debt that is a result of that identity theft. I have no knowledge on this account including the opening of this account. Please, tell them to stop reporting this collection account to my credit report and conduct a thorough investigation as to the nature of this account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I used square for my client to make a payment for there services I was going to complete. They payment was a deposit of XXXX $ and immediately square inc deactivated my account and said funds will be held for 90 days and they would be released two days after XX/XX/XXXX which would be the XXXX of XXXX they still have my funds locked to where I cant access them which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX De La XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Debt Validation To whom this may concern : I am writing to request validation of a debt that you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Please provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt ; 4. Any documentation that verifies that you are authorized to collect on this debt.

Please send this information to me at the address listed above. Until I receive the requested validation, I will consider this matter in dispute.

Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : 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