vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint against Recovery Management Services, a collections agency handling my private student loan with XXXX XXXXXXXX XXXX 

Recently, I have been contacted several times by Recovery Management Services via phone and email. During these communications, they have threatened to report a debt to my credit report, which is both alarming and stressful. I want to assert that all my debts associated with XXXX XXXX XXXX  were paid off in full, and I contest the validity of any claims by Recovery Management Services. 

Despite my attempts to clarify this situation, I find their contact to be harassing. I am requesting that they cease all communication with me regarding this alleged debt. Furthermore, I do not wish for this situation to negatively impact my credit report, as I am concerned about the potential consequences of inaccurate reporting.

I kindly ask for your assistance in investigating this matter and ensuring that Recovery Management Services complies with the Fair Debt Collection Practices Act. Their actions have caused me undue stress, and I seek your guidance in resolving this issue. 

Thank you for your attention to this matter.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Aldous & Associates , PLLC and the collection entry ALDOUS XXXX currently being reported on my credit reports. Aldous & Associates is a XXXX law firm and third-party debt collector that purchases or collects consumer debts on behalf of original creditors, including gyms, fitness clubs, property managers, telecommunications, and other service providers. 
On multiple occasions I have requested full verification and validation of this alleged debt, including a written accounting of how the amount was calculated, proof of original creditor assignment, a copy of the original contract or signed agreement, and documentation showing the chain of title/ownership of the debt. Despite these repeated requests, Aldous & Associates has never provided legitimate proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Under FDCPA 809 ( 15 U.S.C. 1692g ), a debt collector must provide the consumer with written validation within 30 days of a written request, including the amount of the debt and the name of the original creditor. 
Furthermore, I never received the required written notice of this debt within XXXX days of initial contact, as mandated by the FDCPA. I was not provided a contract, billing history, or account statements from either the original creditor or Aldous & Associates that would demonstrate that this obligation is accurate, valid, or legally enforceable. My repeated requests for validationincluding demand for a detailed XXXX compliant reporting format to confirm accuracy of all reporting elementshave been ignored or deflected, despite my documented rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611, furnishers must investigate disputes and either correct or delete information that can not be verified with competent evidence. This includes proper XXXX data furnishing codes and accurate account identifiers. 
Aldous & Associates continues to supply derogatory trade line data to XXXX without substantiating the debt, thereby damaging my credit score and financial reputation. Their failure to validate the debt and to respond appropriately to my verification requests represents a potential violation of both the FDCPA and FCRA insofar as they act as a furnisher of credit information without providing the legally required documentation to support the debt they allege I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I paid a XXXX XXXX XXXXXXXX debt through this collection company, Transworld Systems Inc. I was told on XX/XX/XXXX that I would receive a letter and that this collection would be removed from my credit report within XXXX hours. I received the letter on XX/XX/XXXX, but noticed that the collection remained on my credit report. I called the collection agency on XX/XX/XXXX to inquire about the removal and was told that it should be removed and that it was being submitted for removal that day. I have waited because I know that it takes time to show but I'm confident now that the agency is not processing the removal as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am writing to formally dispute the debt referenced under the account number listed below. This debt does not belong to me, and I am requesting a full investigation and immediate correction of your records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I was at XXXX on XXXX, XXXX, so they send me to pay one ticket after 14 months with no details, I don't know what is it, they did not give chance to self defense, they started charging {$310.00}, then when I went to website, is XXXX, at same day of I received the letter, they notify me on XX/XX/XXXX, so almost 2 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I received both a personal debit card and business card for accounts opened under my name at Chase Bank : XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX The offending party also listed my husbands personal email as a contact. 
XXXX I went into our local Chase Bank in XXXX, XXXX on XX/XX/XXXX and was ensured they had it handled. I then received mailers saying they confirmed I did NOT open the account and it was on a freeze. I attempted to email my local contact - XXXX XXXX. I called the fraud department directly and got hung up on. The first week of XX/XX/year> I called again. They told my my account had just been froze THAT day and to ignore any correspondence I am receiving from them. Received a letter this week again saying accounts are frozen! 

I am getting no where with them.. I appreciate any help you can provide. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am submitting this complaint to request clarification and review of repeated credit denials by Citibank and Citi-issued retail credit programs, based on Citibanks stated decision to terminate its prior relationship with me.

Over the past several years, I have been consistently denied for multiple store credit accounts and credit cards underwritten by Citibank. Citibank also previously closed my Best Buy and Home Depot credit card accounts. I maintain an average credit score, have no derogatory credit history, and my consumer credit reports are accurate across all major credit reporting agencies. 

In adverse action communications, Citibank has stated, in substance, that it previously had a relationship with me, chose to terminate that relationship, and based on that experience has decided to no longer do business with me, resulting in the denial of my applications. These explanations do not reference any specific credit bureau issues or reportable factors.

I understand and respect Citibanks right to make independent business decisions and to manage risk. However, I am requesting clarification regarding : Whether the prior relationship termination constitutes a permanent internal risk designation.

Whether such a designation is subject to periodic review or reconsideration over time.

Whether there is any process or timeframe through which a former customer may become eligible to reestablish a relationship after corrective or responsible financial behavior.

My concern is that, without clarity regarding the permanence or reviewability of this determination, I have no meaningful way to understand whether continued responsible credit behavior can address the issue or whether the decision is final regardless of future conduct.

I respectfully request that Citibank review my situation and provide clarification regarding the basis for its ongoing decision to decline applications and whether any path forward exists. My goal is not to compel approval, but to obtain transparency and ensure that the determination is accurate and fairly applied. 

Thank you for your attention to this matter.

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 2026-01-14 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: CITIBANK, N.A.
State: MN

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX last XXXX : XXXX ). My current address on file is XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
This letter serves as a formal demand regarding my Citi Bank Sintra Credit Card ending in # XXXX. My statement closed on XX/XX/XXXX, at which time my account reflected a credit balance of {$1800.00}, created by overpayment and returned balance transfers earlier in XXXX. 
On XX/XX/XXXX, I formally requested a refund of this credit balance. Since that date, I have contacted Citi Bank at least XXXX times to resolve this issue. During those calls, I explicitly stated that : I did not authorize any deposit to my credit union account. 
If an electronic refund was issued, it was to be sent only to my XXXX XXXX account, which I provided multiple times. 
Alternatively, I requested a paper check mailed to my address on file. 
Despite these repeated requests, my refund has not been received. As of the date of this letter ( XX/XX/XXXX ), Citi Bank is well beyond the XXXX timeframe to issue a credit balance refund. No representative has been able to provide a clear or accurate resolution. 
This delay has caused significant financial hardship. The funds in question belong to me, and Citi Banks continued failure to return them is unacceptable. 
Formal Demand I am demanding that Citi Bank immediately issue an overnight check for {$1800.00} and mail it to my home address on file. 


Deadline If I do not have these funds in my possession no later than XX/XX/XXXX, I will proceed without further notice to : Escalate this matter to legal counsel File formal complaints with the CFPB and FTC Pursue legal action against Citibank , N.A . for improper withholding of customer funds and failure to follow required refund procedures I would prefer to resolve this matter amicably and without litigation. However, I am fully prepared to take all necessary steps to recover my funds if Citi Bank fails to comply by the stated deadline. 
Please treat this matter with the urgency it requires.

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Several payments were made to the credit card company, Comenity Bank/Victoria 's Secret credit card, and were returned, which caused the credit card company to then add late fees, etc. When I inquired about why the payments were returned, they had no answers and had me to contact my bank. My bank, which is the same bank that I've used to make payments, electronically to the very same credit card company, on time, for over ten years, reported that it's not anything that they've done differently one their end. All payments cleared. My bank placed the issue back with the Comenity credit card company. In order to fix the problem with 2 entities denying fault, I sent a physical check to the credit card 's " final payment department ''. With this final payment, was a letter describing the issues I've experienced, as well as documents supporting evidence of payments made and returned. During this back and forth with trying to fix the issue, I closed the credit card, as I had no desire to continue doing business with a fraudulent company, plus they weren't accepting prior payments from me. The company continued to tack on late fees, despite cashing my " final payment '' check. Weeks later I received a letter stating the issue was being reviewed, late fees continue to incur. Eventually, I receive correspondence, replying that my request to end this situation with the check of {$110.00} to the " Final Payment Department '' was denied and that I still owed payment, which includes several late fees. 
This FINAL PAYMENT, which was submitted AND accepted to the Final Payment Department of Commenity Bank XX/XX/XXXX and still has never been applied to my account. XX/XX/XXXX is when a letter requesting the prior payment, plus fees be remitted. An issue that began in XX/XX/XXXX, still in XX/XX/XXXX, still has yet to be resolved. And now is negatively effecting my previously excellent credit score. This credit card was paid so efficiently, that it rarely was able to charge interest. I suppose this is the way they chose to extract more money from me. It is unfair, as a person who has a decades long history of paying bills on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Original reference # XXXX and it seems like BOA ignored the voice recording. 

Subject : FORMAL COMPLAINT AND DEMAND FOR REIMBURSEMENT REPOSSESSION IN ERROR To Bank of America Management and Legal Department : I am writing to formally contest the recent repossession of my vehicle, which was carried out in bad faith and in direct contradiction to the explicit instructions provided by your own staff.

During my recorded conversation with a Bank of America Customer Service Representative ( CSR ), I was explicitly told multiple times that repossession was not an option being considered and was " off the table '' due to my specific situation. Relying on this professional assurance, I acted accordingly. The subsequent repossession was not only a breach of trust but also a violation of the verbal agreement established during that call. 

The fact that Bank of America is now refusing to review or comment on the voice recording is unacceptable and suggests an attempt to avoid accountability for the misinformation provided by your representative. I am demanding the following actions be taken immediately : Full Reimbursement : I require a refund of all costs incurred due to this error, totaling {$2500.00}. 

This includes the {$200.00} vehicle recovery fee, the repossession fee, battery replacement costs ( due to the XXXX ), XXXX transportation costs, and compensation for the significant time spent rectifying this error. Credit Correction : Bank of America must immediately petition all three major credit bureaus ( XXXX XXXX XXXX XXXX ) to completely remove the repossession remark from my credit reports. This mark is inaccurate and damaging. Voice Recording Audit : I demand a formal internal audit of the recorded call in question. Please be advised that I am taking this matter very seriously. 
If this claim is not addressed with the urgency it deserves, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel regarding these deceptive practices. I expect a written response and a resolution to this matter on before XX/XX/year> Regards, XXXX XXXX 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to initiate a wire transfer from my U.S. Bank checking account. The transaction was blocked, and I was contacted by U.S. Bank for verification. I fully cooperated and provided all information requested during that call. 

During the same call, I was informed that my account would be closed. I was explicitly told that I would receive a written notification of the account closure and that my remaining funds would be sent to me by check within XXXX weeks. 

As of today, XX/XX/XXXX, more than XXXX weeks have passed. I have not received any written notice by mail or email, nor have I received the check with my remaining funds. 

I contacted U.S. Bank again on XX/XX/XXXX to request an update. I was told the account is still in the process of closing, that there is no estimated timeline for releasing my funds, and that there is nothing I can provide or do to assist. No additional documentation was requested from me. 

I am concerned about the lack of written communication, the failure to deliver my funds within the timeframe promised, and the absence of any clear explanation or resolution timeline.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
I contacted Ally Financial after being advised in my billing statement to call if I needed assistance due to difficulty making payments. I explained that I am experiencing temporary financial hardship and that my vehicle is essential for my employment. 

During my communication with Ally, I offered to make a partial payment toward a past-due balance of approximately {$500.00}. I was informed that while partial payments may be accepted, late fees and delinquency would continue to accrue daily until the full past-due amount is paid. I was also advised that the only way to lower my monthly payment would be to make a large lump-sum payment equal to several months of payments, which is not feasible given my financial hardship. 

I am currently approximately one payment behind and approaching two, and I am attempting to address the situation proactively and in good faith before further delinquency or repossession occurs. Despite requesting assistance, no meaningful hardship or loss mitigation options were offered that would allow me to stabilize the account while continuing to work. 

I am concerned that Ally Financials representations encouraging customers to call for assistance during hardship are inconsistent with the limited and impractical options actually provided. I am seeking transparency regarding available hardship programs and reasonable, temporary relief that would prevent further escalation while my hardship is being reviewed. 

Allys hardship help is mostly damage control for them, not real relief for the customer.At every solution they propose assumes the customer has money, which defeats the point of hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Hello, I am submitting a formal complaint regarding the handling of my hardship request for two unsecured personal loans.

I am an active-duty service member and long-term USAA member. I proactively contacted USAA before missing any payments to request a temporary payment modification due to increased housing expenses after purchasing a home.

I was informed that USAA offers no hardship programs, no temporary forbearance, no interest-only payments, and no payment modification options for unsecured loans under twelve months, even when a member is requesting assistance to remain current. 

My combined monthly payment of {$1300.00} is currently unsustainable. I requested a temporary reduction to approximately {$800.00} per month, not debt forgiveness and not avoidance of repayment. I was advised that the only options available were refinancing, which I do not currently qualify for, or allowing the account to progress toward delinquency. 

I am requesting a supervisory review of my account and a written explanation confirming that no hardship or payment modification options exist for my situation. 

I am disappointed that, despite reaching out early and in good faith, I was given no viable option to avoid delinquency. I respectfully request this complaint be documented and reviewed by Member Advocacy or an appropriate escalation team.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have called Wells Fargo every month for the past XXXX months to ask them to tell me how much I need to pay against my balance to avoid interest charges. I have done exactly as instructed and yet each month I receive and interest charges. They attribute this to a balance transfer that I made in XX/XX/XXXX. I have escalated this each month with no success. On XX/XX/XXXX I talked to an executive agent, XXXX XXXX, who informed me that she would check my next statement and call me back on XX/XX/XXXX after the statement came out. I did not receive a call back as promised. I call again today XX/XX/XXXX and was told that the case was closed. XXXX, the agent could not provide me an answer other than to tell me the only way that I could guarantee that I would not receive an interest charge was to pay off the entire balance, which included the balance transfer that I was told was interest free for XXXX year. XXXX explanation that this was not interest in the balance transfer but on my daily balance was not reasonable. I believe that I have been defrauded by Wells Fargo and my only recourse is to payoff the fraudulent balance transfer and cancel the card. Can you help?? 
XXXX XXXX XXXX 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