vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did a balance transfer and paid 5 % balance transfer fee for a 0 % APR that will expire on XX/XX/year>. This account had a statement balance closing data of the XXXX of each month, so I expected the balance first statement after the promo to be on XX/XX/year>, and due date of that balance with the new APR high on XX/XX/year>, following the grace period for balances post statement balance closing date. This was my expectation and I had made plans to pay off the full balance on the due date of XX/XX/year>. To my shock on Saturday XX/XX/year>, my XXXX checking account was overdrawn by the balance of {$6.00}, XXXX disrupting other payments I had scheduled by the end of the month including my rent and school fess for my child. Prior to this time, I have been making minimum payments and never defaulted. This unexpected charge threw me into a state of shock, confusion and panic, not knowing what to do, I called my Bank and was advised to withdraw the payment, which I did. I called Citi bank representative to explain what happened and told them I had planned to pay off the total balance of {$6800.00} by the XX/XX/year>, due date. Then I request a courtesy waiver of the fees and interest charges resulting from what happened, and I did pay off the entire balance as I had told the Citi representative. To my disappointment, I realized that only the late payment fee was returned but the interest charges were not, and it now is {$140.00}. I reached out again to follow up on the interest courtesy waiver and was denied ; I tried explaining again what had transpired but to no avail. In my frustration, I decided to file this complaint for courtesy interest fee waiver after I paid the total balance, which was to avoid interest fees.

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
* * XXXX XXXX XXXX * * XXXX, NC Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> Subject : Request to Close Total Visa Account and Resolve Balance To Whom It May Concern, I am writing regarding my Total Visa credit card account. After reviewing the interest rate, program fees, and other charges associated with this account, I believe the structure of this account is deceptive and unfair to consumers. A significant portion of the available credit limit was immediately consumed by fees, and the ongoing interest rate and additional charges have made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these practices may violate consumer protection laws related to unfair and deceptive trade practices. The terms and financial impact of the account were not presented in a manner that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1. Immediate closure of this account 2. Adjustment of the balance to * * {$0.00} * * and the account marked * * Paid in Full * * 3. Removal of any negative reporting associated with this account from all credit reporting agencies 4. Written confirmation that the account has been permanently closed and resolved If this issue can not be resolved promptly, I will submit formal complaints to the * * North Carolina Attorney Generals Consumer Protection Division * *, the * * Consumer Financial Protection Bureau * *, and other applicable regulatory agencies requesting a review of these lending practices. Please provide written confirmation of resolution within 15 days. Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MO

Complaint narrative:
I am XXXX XXXX XXXX and have made below XXXX transactions on XX/XX/XXXX from my XXXX XXXX account to my XXXX XXXX account through abound money transfer app run by times of XXXX XXXX. Below are the XXXX transaction details and didnt received funds yet. But the abound app is claiming that they already send funds that is not true attached is the evidence? Kindly file this case complaint and let me know on next steps? Thanks Transaction ID : XXXX Transaction ID : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Was charged room and board and a bunch of other things and didnt even use any of it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Rent Recovery Solutions
State: NC

Complaint narrative:
I am an XXXX XXXX service member filing a complaint regarding a rental collection account reported by Rent Recovery Solutions for XXXX at XXXX XXXX XXXX in the amount of {$5000.00}. I have disputed this account but have not been provided documentation verifying the debt. I am requesting verification including : A copy of the signed lease agreement A complete move-out ledger showing how the {$5000.00} balance was calculated Documentation proving the debt was legally assigned to Rent Recovery Solutions Itemized damages or charges that created the balance Until this documentation is provided, the account can not be considered verified under the Fair Credit Reporting Act. If the company can not provide proper documentation verifying the accuracy of this account, I am requesting that the collection account be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
60-89 days late, I want the missed payments removed off my credit report. They have sent mail notifications, regarding late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
* * XXXX XXXX XXXX * * XXXX, NC Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> Subject : Request to Close Surge Platinum Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Surge Platinum Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A large portion of the available credit was immediately consumed by fees, and the high interest rate combined with additional charges has made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these lending practices may violate consumer protection standards related to unfair and deceptive trade practices. The financial impact of the account was not clearly represented in a way that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1. Immediate closure of this account 2. Adjustment of the balance to * * {$0.00} * * and the account marked * * Paid in Full * * 3. Removal of any negative reporting related to this account from all credit reporting agencies 4. Written confirmation that the account has been permanently closed and resolved If this matter can not be resolved promptly, I will submit formal complaints with the * * North Carolina Attorney Generals Consumer Protection Division * *, the * * Consumer Financial Protection Bureau * *, and other appropriate regulatory agencies requesting review of these lending practices. Please provide written confirmation of resolution within 15 days. Sincerely, 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 2026-03-16 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: NY

Complaint narrative:
XX/XX/year> I was told that my cash app account was locked because of scam activity. I then asked if I could withdraw my funds and was given a disclosure that I can and every representative and support member that I speak with just continues to give me the runaround. It states in the disclosure that I am allowed to withdraw funds. And I'm being denied this right. I have {$440.00} in my locked account and it's being kept from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was charged a membership fee when advertising stated that by having a Comenity Capital Bank card through XXXX would give you a pro membership fee for free. I was charged for my membership and I was charged twice. Once through my debit card. I have the documents showing the charge. I was also charged by Comenity Capital Bank. Comenity Capital Bank the owner of the credit card states that I have to resolve this through XXXX. Which has no control over the Comenity Capital Bank card through XXXX. I provided documentation and I again was told that XXXX has to reverse the charge. Yet, XXXX is the owner of the credit card. It's Comenity Capital Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for their handling and denial of my loan modification application. Charging numerous unauthorize fees. See attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I currently have IDR student loans totalling over {$89000.00} with XXXX and Nelnet. Per the lawsuits its allege that XXXX steered borrowers into costly forbearance and deceptive lending which I am currently a part of. Both loan services have pending class action law suits however I was never notified regarding the class action lawsuits from either party. Nelnet : {$40000.00} Nelnet : {$48000.00} ( XXXX v. NELNET ) alleged Nelnet failed to maintain adequate data security measures. Nelnet had a major data breach that compromised the personal information of roughly XXXX XXXX student borrowers. Settlement XXXX- Nelnet allegations it failed to communicate properly with borrowers about repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Coinbase, Inc.
State: TX

Complaint narrative:
Made a hotel reservation on XX/XX/year> for my XX/XX/year> layover in XXXX on the XXXX platform using my Coinbase credit card for the amount of XXXXXXXX XXXX During my say, early morning hours an unknown person entered my room making a mess in the bathroom and removing my personal belongings from the room. Being extremly tired from traveling only discovered this the morning hours when my connecting flight was already leaving for the US. Having a traumatic experience but no time to report to the local authorites promptly reached out to the host of the property to no response. Then reported the disturbing incident to the hotel platform of XXXX. Their investigation was insufficient and largely dismissive, so decided to report the complete incident to the payment processor of Coinbase as a last resort sharing my final email response to XXXX wtih Coinbase.com. Their disputed transaction process started on XX/XX/year> with Coinbase. During this time received a provisional credit for the original charge. However on XX/XX/year> Coinbase reversed this and charged my account with the original charge plus interest of USD XXXX. Currently all other charges paid on this account except this XXXX XXXX and XXXX Dollars. Coinbase agents refused to remove these charges when I repetedly objected to the disputed charge. Was told all will stay on account and other late charges will incure after due date. Coinbase 's process and handling including the fee is unacceptable and unfair in light of my fully disclosed terrible incident with XXXX and their partner XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Sent dispute letters to remove charge off from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
In XXXX solar panels were install by XXXX XXXX I was charged over {$30000.00}. I was told by the sales representative I was going to receive a $ XXXX check for installing the panels on my home and that the only loan available was with Mosaic. XXXX XXXX representative stated Mosaic would be in charge of loan and I would only pay roughly {$70.00} a month and my electric bill will be gone. That electric bill only got higher and higher throughout the years. Solar panels never worked. I called XXXX XXXX multiple times but instead of resolving ing they disappeared and Mosaic bill was increasing higher and higher every year. I called mosaic numerous times too and told them my solar project is not operational and they just bully me in saying your credit will be effected for lack of payment. Im in XXXX due to transplant and amputation on a fixed income with in the $ XXXX electric bill and a bill for Mosaic at {$130.00} and none working XXXX panels on my roof. Now I need to replace my roof and I'm being charge thousands of dollars to take the panels off my roof. XXXX was sued over tactics of false representation of savings with solar panels. Mosaic filed XXXX XXXX XXXX as well. Both company mislead me to believe I was going to save my hard earn money which clearly I have not. I attached articles for both XXXX XXXX and Mosaic as well as my electric bill showing my grid and its charges from last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX. Im writing a complaint from a company called MRS BPO and their phone number is XXXX. They said I owe them over {$4000.00} from a XXXX account. In the past due XXXX bill from XXXX is {$3400.00}. I asked them to provide me documents that they own the debt from XXXX and to mail it to me. When I talk to the person on the phone, they said they have no way to provide them documents and I told them they had to give it to me within 30 days. And he still constantly calling.

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I was charged {$9.00} for XXXX XXXX XXXX. I do not have or use XXXX XXXX This is an unauthorized recurring charge. Bank of America filed fraud claims all 3 times, refunded the charges, closed my card 3 times, reissued new card 3 times. I asked them to put a merchant block on XXXX XXXX XXXX AND opt me out of automatic billing updater because even though I'm issued new cards with new numbers, it is still connected to the original card number and I will forever be charged until they opt me out of the automatic billing updater. Bank of America told me they have nothing to do with the automatic billing updater. That only XXXX can help me and gave me their phone number. I called XXXX and they said they can not help me, they do not handle my account, that I need to contact the financial institution that issued the card. After over XXXX hours on the phone literally back and forth between Bank of America and XXXX each telling me they can't help me, to call the other one, I am at a loss. I also called XXXX XXXX to tell them the situation and that I have no account with them and there are unauthorized recurring charges on my credit card. They said they can not help me because whoever is using my credit card has a phone number and email not associated with ME so they can't find it to cancel it because I can't give them a phone number and email associated with MY credit card! So my financial institution who issued me the credit card is not willing to help me put a permanent stop to these unauthorized recurring charges. This is the XXXX time they issued me a new card. It is a hassle especially when I have MY OWN REAL recurring charges that I have to keep going in to change and over the last couple months, almost had my car insurance cancelled, among other things, that I had to reinput new credit card information and was almost too late! I CAN'T KEEP DOING THIS EVERY MONTH!!

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 2026-03-16 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing a complaint regarding fraudulent charges made through my XXXX Credit account. On XX/XX/year> multiple unauthorized transactions were placed through a compromised XXXX account and charged to my XXXX Credit account. These purchases were not authorized by me. There were XXXX orders which took place around XXXX XXXX totaling {$220.00}. XXXX did refund some of these charges, but said I was liable for others. The items were shipped to the following address, which is not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I live in Pennsylvania and have never shipped items to that address. I reported the fraud to XXXX immediately. However, XXXX closed the case the next day stating that the transactions were authorized, even though the merchant account had been compromised and the shipping address is clearly unrelated to me. Because these transactions were the result of an account takeover and not authorized by me, I am requesting that Synchrony Bank reopen the fraud investigation and remove the charges from my XXXX Credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2026-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: AR

Complaint narrative:
This account is being falsely reported on my consumer credit file. I dispute this debt in its entirety. I do not acknowledge this debt and the reporting entity has failed to provide any competent evidence that I have a legal obligation to pay. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I requested validation and verification of this alleged debt. The furnisher has continued to report this account without providing proper documentation proving that the debt belongs to me. Reporting unverified or inaccurate information to the credit bureaus constitutes a violation of federal law. If the furnisher can not produce the original contract, complete payment history, and documentation showing legal assignment of the debt, this account must be immediately deleted from my credit file. I am requesting a full investigation and permanent removal of this account from all credit reporting agencies. Continued reporting of inaccurate or unverified information will be considered willful non-compliance with the FCRA and FDCPA and may result in further legal action. ( Never recieved a 1099 )

Company response to consumer: Closed with explanation