vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I added my XXXX savings account as an external account to my Barclays savings account to be able to send and receive funds from my Barlcays account to my XXXX account. I used a secure Plaid login to verify my XXXX account ownership, as is standard security. Barclays did not send me any text or email asking for further information. Instead, on XX/XX/XXXX, Barclays completely suspended my online access, including both my Barclays savings account and Barclays credit card, without providing a reason or a warning. My only recourse was to call them to see what was wrong. On XX/XX/XXXX, I called Barclays Customer Service to reinstate my online account access, so I could verify the XXXX small deposits made into my XXXX account ( the deposits were made on XX/XX/XXXX ) and effectively link the accounts. The agent told me that I needed to non-securely email them photos my drivers license and a full bank statement from my XXXX account before they would reinstate my online account access or complete my external XXXX account verification. I had already used account Plaid verification, plus I was ready to verify the XXXX small deposit amounts. That is standard bank security verification protocol. I asked the agent to provide me with a secure messaging portal through which I could transfer these highly sensitive documents containing very personal data and identifying information, and she said they could not do that. I had to email these very sensitive documents -- unencrypted -- over the world wide web to the email address they provided. I told her that was unacceptable and it showed no care for my data security. She told me that's just their process, and they could not and would not provide a more secure method for me to send the requested documents. Nor would they accept the XXXX verification, in addition to the dual deposit amount verification, as sufficient proof that I had ownership of the external account. Barclays shows a gross disregard for their customers ' data security and should be required to provide a secure portal when demanding extremely sensitive documents from customers. Likewise, they should not be allowed to hold a customer 's entire account access hostage while doing so.

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 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I submitted my mortgage payment on time. The payment was short by {$0.00} due to an inadvertent error. Newrez treated the payment as incomplete and assessed a late fee of approximately {$110.00}. I understand that mortgage contracts may require full payment, but a {$110.00} fee resulting from a {$0.00} shortage is disproportionate. I immediately addressed the deficiency and requested a review. My request was denied because I had previously received a courtesy waiver.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of an online rental fraud scam that resulted in a total financial loss of {$7900.00} taken directly from my Chase checking account. On XX/XX/year>, the funds were sent to the fraudulent party via two distinct methods : a domestic bank wire ( {$2900.00} ) and a XXXX transfer ( {$5000.00} ). I immediately contacted the Chase Fraud Department to report the scam, request an emergency wire recall, and ask for an investigation into the receiving accounts. I am filing this complaint to formally request that Chase Executive Escalations fully investigate these fraudulent transactions, coordinate a XXXX/recall effort with the receiving institutions, and review this under electronic fund transfer/wire fraud consumer protections. A formal police report has been filed with the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Contacted Capital One XX/XX/XXXX, another?, and XXXX. Because I changed my phone number, e-mail address and could not provide my full card number ( end XXXX lost card ) they required additional information to verify my identity. Besides the XXXX statement they sent me, I provided my social security number, a copy of my drivers license ( front and back as requested ), current phone number and date of birth. I was given a case number XXXX and sent all to the Utah address given for their XXXX XXXX. I was told I would be contacted. Not hearing from Capital One, I called XX/XX/XXXX and was told my account could not be verified and the information I sent to Capital One was not received ( given over the and sent to them by mail on XX/XX/XXXX ). This appears to a delay to avoid sending the rewards balance of {$140.00}. I dont care if they will replace my lost card but am tired of the runaround to prove I exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: I.C. System, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged debt of {$800.00} reported by I.C. System, Inc. on my credit report. I became aware of this collection account only after reviewing my credit report. I have no knowledge of this debt, nor have I received sufficient information verifying that I am legally responsible for the account. The account reportedly began on or around XX/XX/year>, but I do not recognize this obligation and have no recollection of entering into any agreement that would result in this balance. I believe this account may be the result of an error, inaccurate reporting, identity theft, or mistaken identity. Therefore, I request that I.C. System, Inc. provide complete documentation proving that : 1. The debt belongs to me. 2. The amount of {$800.00} is accurate. 3. I authorized or incurred the obligation. 4. I.C. System, Inc. has the legal authority to collect this debt. Until such verification is provided, I dispute the validity of this account and request that it be marked as disputed with all credit reporting agencies. If proper verification can not be provided, I request that the account be removed from my credit reports immediately. I declare that I have acted in good faith and maintain my innocence regarding this alleged debt. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to challenge and investigate this matter. Thank you for your prompt attention to this dispute. I look forward to receiving written verification of the debt or confirmation of removal.

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 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IA

Complaint narrative:
I received a letter in the mail from American Coradius International LLC requesting that I pay {$1900.00} for a XXXX XXXX XXXX debt. I have never had any loans or credit cards from XXXX. I have only ever used it as a third party to protect my transactions that were paid in full with my debit card. As a result, I know for a fact that this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. 1681c-2, states that a consumer reporting agency is required to block and remove any information identified as resulting from identity theft within four business days of receiving proper documentation. As I am a victim of identity theft and have no knowledge of the accounts in question, this law requires that all such fraudulent accounts be blocked and removed expeditiously from my consumer report. Please note that these same fraudulent items have already been deleted from my file with XXXX due to confirmed identity theft. In light of this, I expect XXXX XXXX XXXX to take immediate and consistent action to block and remove these accounts without delay. -- -- Bank Name : XXXX XXXX XXXX Account # : XXXX Date Opened XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Bank Name : XXXX XXXX, XXXX Account Ending : DBU Date Opened XX/XX/XXXX 2022

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TN

Complaint narrative:
on XX/XX/17 I received a notification on my phone that XXXX dollars was removed from my checking account. i disputed it and the bank says i benefited from the withdraw. i neve withdrew the money and asked for proof. they just sent me a paper showing it had been withdrawn. i really need this money and this is the XXXX time. its costing me out of pocket. i really need some guidance on how to get my money back.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I get calls from this collection agency for debts I do not owe. They threaten me with serving papers but no one ever shows up with any papers. I DON'T OWE ANY DEBT. THEY ARE TRYING TO SCAM ME AND PROBABLY EVERY ONE ELSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Oh, I open my account with Citibank a couple months ago deposited check my check cleared before my check was supposed to clear they close my account. Its been 30 days since my account has been closed now theyre telling me I have to wait until XX/XX/XXXX for a {$670.00} check thats not normal. I have to wait another 30 days for my money. I already been waiting 30 days. I have bills to pay my house foreclose because of this. And then they hire people who dont even speak XXXX, who dont even care who maybe laughed at you behind the scenes. If they cared enough about their clients I wouldve already got my check. They wouldve let me transfer out for the money out before they close my account or at least let me step into a branch to get my money.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Formal Complaint Against Citibank : Unpaid {$320.00} New Checking Promo BonusBackground : I opened a new eligible Citibank checking account under the {$320.00} cash bonus promotion in XX/XX/XXXX. The promotion requires a minimum of two Enhanced Direct Deposits totaling {$3000.00} or more within 90 days of account opening.The Dispute : Due to a documented administrative error by the Social Security Administration ( SSA ), my initial direct deposits were delayed. I immediately notified Citibank customer support of the government error. My account statements show the following Social Security direct deposit historyXXXX : {$1000.00} ( Direct Deposit ) XX/XX/XXXX : {$1000.00} ( Direct Deposit ) XX/XX/XXXX : {$1000.00} XXXX XXXX$210.00} ( Direct Deposits ) XX/XX/XXXX to Present : {$1000.00} XXXX XXXX$210.00} monthly ( Direct Deposits ) While an automated system disqualified the account in XXXX for sitting at {$2000.00}, I successfully established a consistent, recurring Social Security direct deposit stream totaling over {$3200.00} within just days of the 90-day marker. Citibank 's front-line telephone staff refuse to escalate this for a manual review or provide a dispute tracking reference number.Desired Resolution : I request that a senior account analyst perform a manual review of my continuous Social Security direct deposits and issue the promised {$320.00} promotional credit to my account immediately.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I have been attempting to resolve a payment issue with my auto lender regarding my vehicle loan. The company states that multiple payments were returned and that I am significantly past due. However, money was withdrawn from my bank accounts and I have not received those funds back. I have records showing payment confirmations, ACH trace IDs, and bank transaction confirmations for payments made in XX/XX/2026. Despite providing this information, the company continues stating the payments were not received or were returned. Documented payments include : - XX/XX/2026 {$430.00} payment Confirmation code : XXXX Confirmed by XXXX XXXX ACH Trace ID : XXXX - XX/XX/2026 {$44.00} payment Confirmation code : XXXX Confirmed through bank ACH records- XX/XX/2026 {$19.00} payment Confirmation code : XXXX Confirmed by XXXX XXXX ACH Trace ID : XXXX - XX/XX/2026 {$43.00} payment Confirmation code : XXXX I have attempted to contact the lender multiple times by phone. Calls are either unanswered or disconnected after I answer. I am requesting : XXXX. A formal investigation into where these payments were applied or why they were marked as returned. XXXX. Written documentation proving any ACH return or rejection. XXXX. Removal of incorrect late fees or delinquency reporting if payments were improperly handled. XXXX. Accurate correction of my account status. I am concerned about possible repossession risk due to payment processing errors that I have been actively attempting to resolve.

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 2026-06-01 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: Klarna AB
State: PA

Complaint narrative:
I am filing a complaint regarding a {$1700.00} charge processed through Klarna for a XXXX order that was canceled and never fulfilled. After placing the order with XXXX, the order was canceled and no medication was ever shipped. I also did not receive any services related to this charge. Despite this, the {$1700.00} charge remained active through Klarna. Klarna paid the merchant ( XXXX ), and the charge was then passed through to my XXXX XXXX credit card, where I am now being held responsible for the balance. I attempted to resolve the issue directly with both XXXX and Klarna. Klarna stated that they are waiting on XXXX to issue or confirm the refund. At the same time, XXXX has not issued the refund and continues to direct me back to Klarna. This has resulted in me being sent back and forth between both parties without any resolution. Klarna has now refused to process my dispute, citing a 180-day policy, even though this is a non-delivery case and no goods or services were ever received. I requested that Klarna provide a written explanation or formal denial of my dispute, including confirmation that they are refusing to investigate based on this policy. Klarna refused to provide this in writing or via email, leaving me without documentation while I am being charged for an unfulfilled transaction. On the merchant side, I am also unable to contact my care team through XXXX because my membership has been canceled. The system requires me to pay to reactivate my membership just to send a message, which prevents me from using their normal support channels to resolve the issue. Summary of key issues : - The order was canceled - No goods or services were provided - No refund has been issued - Klarna is refusing to process the dispute based on a 180-day policy - Klarna is refusing to provide a written denial or explanation - The charge has been passed to my XXXX XXXX credit card - XXXX is not issuing the refund and is limiting my ability to contact support This situation has left me responsible for a {$1700.00} charge despite receiving nothing in return, and despite making multiple attempts to resolve the issue with both parties. I am seeking assistance in resolving this matter and obtaining a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing regarding the account that is the subject of the lawsuit filed against me. I dispute the alleged debt and request that you provide documentation supporting your claim, including : The name of the original creditor. The account number associated with the alleged debt. A complete payment and transaction history. Documentation showing how the balance claimed was calculated, including any interest, fees, or costs. Copies of any agreement or contract bearing my signature, if available. Documentation showing that Midland Credit Management has legal ownership of the debt and the right to collect it, including any assignments or bills of sale. Please provide these documents so that I may properly evaluate the claim. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint references and supplements closed CFPB Case No. XXXX. On XX/XX/XXXX, Capital One , N.A . submitted an official regulatory response to the CFPB in Case No. XXXX stating : " We determined the account was true fraud and submitted a request to have the tradeline deleted. '' The account referenced was Capital One XXXX XXXX account number XXXX ( ending XXXX ), opened XX/XX/XXXX, balance {$3800.00}. Capital One did not fulfill its regulatory commitment. Specifically : 1. The tradeline was NOT deleted. XXXX continued reporting this account as " Collection/Charge-Off '' after Capital One 's CFPB response. 2. Capital One simultaneously authorized XXXX XXXX XXXX, XXXX to file a lawsuit against me to collect this same account Capital One , N.A . v. XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, filed XX/XX/XXXX five months after telling the CFPB the account was true fraud. 3. Capital One 's own online portal, accessed under my verified credentials on XX/XX/XXXX, shows TWO additional fraudulent charged-off accounts XXXX XXXX XXXX XXXX ( acquired by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( acquired by XXXX XXXX XXXX ) neither of which was addressed in the prior complaint. All three accounts show zero transaction data, consistent with systematic identity theft. 4. Capital One referred two fraudulent accounts to XXXX XXXX XXXX for collection without notifying them the accounts were identity theft fraud. Capital One made a false representation to this Bureau in Case No. XXXX by stating the tradeline would be deleted while simultaneously authorizing litigation to collect on the same account. This constitutes a failure to comply with a prior CFPB resolution and ongoing violations of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). FTC Identity Theft Report No. XXXX is on file. I am a pro se defendant in the active lawsuit and my Answer is due XX/XX/XXXX. I request : ( 1 ) immediate enforcement action requiring Capital One to dismiss the lawsuit ; ( 2 ) immediate deletion of all three tradelines ; ( 3 ) notification to XXXX XXXX XXXX that Accounts XXXX and XXXX are identity theft accounts ; ( 4 ) investigation of Capital One 's contradictory representations to this Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Paramount Capital Group, Inc.
State: KY

Complaint narrative:
I feel I am a victim of a predatory student loan scam and have been wronged by my computer career.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I am filing a complaint against Associated Bank regarding unauthorized activity on my account, the bank 's handling of my fraud claim, and the continued restriction of my funds. Associated Bank allowed multiple debit cards to be associated with my account. XXXX of those cards was never provided to me, never in my possession, and never authorized by me. Despite this, unauthorized transactions totaling more than {$700.00} were conducted using that card. After I reported the unauthorized activity, Associated Bank froze my account and restricted my access to my funds. The bank has failed to provide an adequate explanation regarding how the unauthorized card was issued, how it was connected to my account, or why I am being denied access to my remaining funds while the matter is being investigated. The bank 's actions have created significant financial hardship. Because my funds remain unavailable, I am unable to meet important financial obligations, including my lease requirements and obligations related to my housing assistance through XXXX. This places me at risk of lease violations, loss of housing assistance benefits, late fees, and other serious consequences. I believe Associated Bank failed to properly secure my account, failed to prevent unauthorized access, and has improperly restricted my access to funds that were not involved in the disputed transactions. The bank 's handling of this matter has caused unnecessary hardship and continues to negatively affect my financial stability.

Company response to consumer: Closed with explanation