vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am submitting this letter as a formal complaint and request for debt validation regarding an account that has been reported in my name. I am requesting your assistance in ensuring that the debt collector complies with the Fair Debt Collection Practices Act ( FDCPA ) and provides proper verification of this alleged debt. 

I have been contacted about this debt, but I have not received sufficient documentation to confirm that it is valid, accurate, or legally enforceable. Under my rights pursuant to the FDCPA, I am requesting that the debt collector provide comprehensive validation of this account. 

Specifically, I am requesting the following : The name and address of the original creditor The account number associated with the alleged debt The amount of the debt, including an itemization of any interest, fees, or charges Documentation showing that I agreed to assume this debt Proof that the debt collector is licensed and authorized to collect debts in my state Documentation establishing the debt collectors authority to collect on this debt The date the debt was incurred and the date of last payment Verification that the debt is within the applicable statute of limitations Until this information is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies as a valid debt. If it is already being reported, I request that it be marked as disputed immediately. 

Please investigate this matter and ensure that my consumer rights are protected. I appreciate your prompt attention to this complaint and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
BEEN MORE THAN 30 DAYS I HAVE NO RESPONSE. 

I am formally disputing the accuracy and validity of the above-referenced collection account as it appear on my credit to be deleted off my credit file. 
Under 15 U.S.C. 1692g ( b ), you and the furnisher are required to provide full validation of the alleged debt, including : A copy of the original signed agreement, Proof of ownership or assignment from the original creditor, and A complete accounting history. 
Additionally, under 15 U.S.C. 1681e ( b ), XXXX must maintain maximum possible accuracy. Unverified or incomplete information violates this requirement. 
If you or the furnisher can not verify this account within 30 days, remove it immediately under 15 U.S.C. 1681i ( a ). Reporting unverifiable information also violates 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 2026-02-04 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: FL

Complaint narrative:
Its been almost 90 DAYS and Citi bank has yet to send my closed account check. I am becoming very impatient because every representative I meet with or speak to has a different explanation or a different story for me. 

According to your policy, I was supposed to receive this amount between 30 to 60 days. I have already placed out a first complaint where Citibank has agreed to send me my money, but I still have yet received it. Ive also called today and a representative told me that it was still in processing and nothing was actually sent out so you guys are actually LYING about actually sending my funds!! 

Today is the LAST day, I will file a lawsuit with a Litigator against you all for negligence of the contract, breach of contract, AND emotional distress. Now that I have proof from the last complaint that I filed, you all stated I would receive my funds!

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
At some point in late XXXX I believe someone opened a Citi XXXX XXXX in my name without my authorization and charged approximately {$3000.00} on the card and never made any payments. At no time did I have this card in my possession. At no time was this card linked to my Citi online banking or mobile application. After receiving late payment notices by telephone and XXXX Mail, I contacted Citi by telephone who advised me of this account 's existence. I promptly reported this as fraud to Citi and asked them to immediately close the account and investigate the account. Citi acknowledged they had done so in early XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi yet again to follow up on the investigation as a late payment alert related to this exact account was now showing on my XXXX Credit report. After spending well over an hour on the phone, and talking to the XXXX department, XXXX department and supervisors of both departments, it was determined Citi did in fact not close the account as I directed, continued to send me late notices, and did not close the account or perform any investigation of the fraud as I had reported approximately XXXX month earlier. Several employees including Citi supervisors in the fraud and security departments acknowledged on the recorded line they have made a mistake by not following the rules and regulations as detailed in the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( Credit CARD Act ) Pub. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part to 15 U.S.C. 1601-1667f, 1681 et seq. and 1693 et seq. XXXX " XXXX '' in the XXXX office who refused to provide any employee number advised they had not yet opened a case, they had not commenced any sort of fraud investigation and they had in fact not even closed the account as I directed.

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 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
A NetSpend prepaid debit account was opened and activated without my knowledge or consent using my personal information. 
I did not apply for this account, did not activate the card, and have never used it. 
I contacted NetSpend directly and was informed that the email address and phone number associated with the account do not belong to me, confirming the account was fraudulently created. 
I have requested immediate closure of the account and removal of my personal information. I am filing this complaint because an unauthorized financial account was opened in my name and activated without my permission. 
I am requesting : 1 ) Permanent closure of the account 2 ) Deactivation of all cards and access 3 ) Written confirmation that my personal information has been removed 4 ) Confirmation that no additional accounts will be opened in my name without proper verification This complaint serves as a formal fraud and identity misuse notification.

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 2026-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our Title Company paid off a 2nd Mortgage in XXXX. The Lien Release has not yet been recorded. I called the phone number for Mr. Cooper and confirmed that the account was paid in full. I chatted with Customer Service on XX/XX/XXXX and was provided a copy of a Release prepared in XXXX, but never recorded. Per the instructions, I emailed XXXX on XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and today, XXXX XXXX. 

I only receive automatic replies. I do not understand the holdup. Per Florida Statute 701.04, Lien Releases must be recorded by the servicer within 60 days of payment. This loan was paid off almost 8 years ago.

The mortgagor is in the process of selling the property and, since this is a cloud on title, the closing has had to be postponed.

I have wasted too much time trying to get the company to do its job and record a Lien Release on a mortgage that has been verified has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a settlement check issued by my attorney in XX/XX/year>2026. The check was issued by XXXX XXXX XXXX, drawn on an account held with Bank XXXX XXXX, and my bank informed me the funds would be held until XX/XX/year>2026 for clearing. 

As of XX/XX/year>2026, the bank confirmed the check has cleared, yet my bank continues to refuse to release the funds and has also restricted my entire account, including pre-existing funds that were in the account prior to the deposit. 

The banks Deposit Review and Fraud departments state they are waiting to speak with the issuing company, despite the check clearing. This restriction has caused ACH payments to be returned, resulting in financial harm and disruption to my household. 

I have received inconsistent explanations, no clear release timeline, and no written notice citing the legal or regulatory basis for continuing to hold cleared funds or freezing unrelated funds. 

I am requesting : XXXX. Immediate release of cleared funds XXXX. Restoration of access to my account and pre-existing funds XXXX. Written explanation citing the specific regulation used to justify this continued restriction XXXX. Reversal of any fees or damages caused by returned ACH payments This appears to be an improper and open-ended restriction after funds availability, in violation of federal consumer protection requirements. Chase bank has informed me that they will not release restriction until they have verified the check with XXXX concrete even after funds have already cleared with bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : American Express/XXXX Failed to Honor Written Terms & Provided False Information Leading to Financial Harm Product : XXXX XXXX XXXX American Express Card Description of Events : I was induced to open XXXX XXXX XXXX XXXX American Express cards based on the specific written Terms and Conditions regarding the "XX/XX/XXXX Headstart '' benefit. The failure of American Express to honor these terms, followed by their customer service representatives providing demonstrably false information, caused me to cancel the accounts and suffer negative credit reporting consequences. 
Timeline of Events : XX/XX/XXXX : I applied and was approved for XXXX XXXX XXXX XXXX American Express cards. I did this specifically to utilize the " XX/XX/XXXXHeadstart '' benefit to achieve XXXX Medallion Status, relying on the following clause in the Agreement : " If a New Eligible Card Account is opened during XXXX or XXXX of a Qualification Year, XX/XX/XXXX will be applied to the Qualification Year in which the Card is opened. '' XX/XX/XXXX : Upon reviewing my account, thXX/XX/XXXX per card ( XXXX total ) were not applied to the XXXX Qualification Year as required by the terms. 
XX/XX/XXXX ( The Misinformation ) : I contacted Customer Support. The representative explicitly refused to honor the terms, stating : " XXXX Headstart is never retroactive. It applies to the Medallion Qualification Year after the card is opened, not the prior year even if the card is opened in late XXXX. '' This statement was a material breach of the written contract I agreed to. 
XX/XX/XXXX ( The Cancellation ) : Based entirely on the representatives refusal to honor the contract terms, I cancelled both cards immediately to avoid paying for a product that was not being delivered as advertised. 
XX/XX/XXXX ( The Admission ) : I contacted support again, providing the written terms. 
XXXX XXXX incorrectly reiterated that XXXX openings count toward the following year. 
XXXX XXXX finally admitted that the terms did allow for the XXXX credit, stating : " The XXXX Headstart had to be processed manually to be credited for the 2025 year. '' However, this agent then stated that because I cancelled the cards on XX/XX/XXXX, they could no longer apply the credit. 
The Violation & Harm : American Express created a " XXXX '' situation that has harmed me financially : They failed to automatically apply the benefit as written in the contract. 
When I inquired, they provided false information claiming the benefit did not exist for XXXX, which induced me to cancel the cards. 
They are now using that cancellationwhich was caused by their own misinformationas the justification for denying the benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: WI

Complaint narrative:
I was traveling to XXXX XXXX in XXXX XXXX XXXX My XXXX XXXX issued in XXXX works on all XXXX XXXXXXXX XXXX. It worked and had funds available on the pass as it is XXXX XXXX. Upon my return home there was an XXXX XXXX on their end, as the XXXX picked up all of the XXXX XXXX XXXX. Weeks later I received a bill from XXXX XXXX  XXXX XXXX for {$5.00} XXXX XXXX and {$25.00} fee. I printed out my XXXX data and provided this to the XXXX XXXXXXXX XXXX XXXX by filing their dispute a charge paperwork. I also paid the {$5.00} XXXX by check ( # XXXX XXXX Bank ). When I returned to XXXX I stopped at the XXXX XXXX Help Center to address my XXXX They said it must have been an equipment failure on their end and the XXXX was still active. They replaced it anyway. The XXXX XXXX XXXXXXXX XXXX refused my dispute even though it was an equipment failure on their end and I paid the {$5.00} with my check # XXXX with XXXXXXXX XXXX. Since then, they have sent it to the following : XXXX XXXX XXXX XXXX XXXX, XXXX - Attorney at Law - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  saying I owe {$25.00}. I do not believe I owe this as I have made XXXX for the 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 non-monetary relief
Consumer complaint received 2026-02-04 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
This submission challenges improper duplicate classification of multiple distinct complaints and requests preservation and review of the full supervisory record. See attached PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was taken from my chime account {$800.00} It was transferred out of my account to another persons account. I did not make that transaction and that money was stolen from me. The person it was sent to is XXXX XXXX. I dont know who that is. I need the money back it was stolen from me. Chime conducted an investigation they refuse to give me the money back that is wrong of them to do. Please help, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I will include XXXX transactions I am disputing. Both involved the XXXX XXXX. Merchant on account shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} I first inquired on tickets to a sporting event on the XXXX. I purchased tickets for {$3800.00}. As I was completing the checkout the application crashed. I received no receipt, email, or charge on my card. I deemed this as an app error so I went to make a second purchase. 

I than purchased tickets for {$3400.00} not knowing that the other transaction had processed. 

Now I have XXXX orders, the problems are as follows below. 

I contacted XXXX to request a refund for order XXXX. They did nothing to rectify the situation, I called numerous times, emailed numerous times and they said app error is not a cause of refund. I disputed this with my bank, I have since lost the dispute. 

I than went to sell the other tickets for the {$3400.00} purchase. I had XXXX listings, XXXX for tickets, and XXXX for a parking pass. Someone purchased my parking pass for {$200.00}. XXXX then sent the individual that purchased the parking pass my XXXX {$3400.00} tickets without my consent. Furthermore making the problem bigger. 

I called them numerous times and they said they only thing they could do to fix this error was to contact the individual who purchased the parking pass. He never responded and had XXXX tickets to the game that he essentially got for free. 

I disputed this with my bank and lost this dispute as well. 

I am asking the CFPB to return all monies of these transactions to me immediately. Whether it was app error or XXXX sending the wrong tickets to the wrong people it resulted in a huge financial burden for me, a loss of almost {$8000.00} due to errors on the merchants side and my bank not having my back and fighting for these fraudulent losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited cash {$1300.00} at the atm machine inside Bank of America branch with e receipt sent to my email and unfortunately my fund was not deposit to my account.i am very disappoint with Bank of America and the fund was emergency for my dad overseas and my rent. I called the claim department and they said I have to wait 10days for investigation but I qualify for temporary credit, still they said I still have to wait.i am very upset about that and that is not fair as a loyal customer of bank of America

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to pay my Wells Fargo credit card on the first of the month ( XXXX ) as I normally do with all my credit cards. After a few days, on a different credit card, I got notification on a returned payment. After some searching, it turns out that my bank account, which I use to pay my credit cards, had some fraudulent activity and was frozen unbeknownst to me. So I straightened things out with my bank, my account was unfrozen, and I payed off my credit cards. Since my Wells Fargo payment had not yet gone through when I realized this issue with my bank, I called to ask what can be done. That representative told me that the holidays were delaying transactions and that if everything was working now with the bank ( which it was ), not to worry. A few days later, the payment bounced back. I call again asking why, and they said that the bank account was closed on their end. However, my bank account was operating as usual, and payments went through on my other credit cards. This representative told me that it was not possible to use this bank account. Fine, I make an entirely new checking account with a different bank. The app won't let me connect this new account. So once again I call to connect this new account and make the payment. A few days after that the payment was returned again. I call asking again what was the issue and they said that the payment couldn't go through. I provide the information once again, and it turns out that the person who added the new account imputed the account number incorrectly. That is why the payment was returned. Eventually the payment does go through on the card, and the balance on that card is {$0.00}. Then they close my account. So once again, I call Wells Fargo asking what happened. They said that per their policy, all accounts with two returned payments within 30 days are automatically closed. I said that is completely unfair in my situation since both times the payment rejected was due to Wells Fargo 's incompetence ; the first, they refused to accept payment from an open, active bank account and the second, their representative inputed the numbers incorrectly. They claimed to have put in a request to review my account closer and that they would contact me with the verdict. I was never contacted. Throughout each step of the process at every call I asked for email, app notification, some kind of documentation. I am the daughter of XXXX attorneys, so I know the importance of getting proper documentation. I was repeatedly denied. I have never been late with a payment and pay my card off in full every month. There is no reason to close my account, which negatively impacts my credit, after I did everything right.

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