vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Summary of the Issue I instructed Truist Bank to close my only account ( a checking account ) and return all of my remaining funds to me. Truist informed me that it will take 10 to 14 days to release my own money back to me. This delay is unreasonable and not supported by any technical or regulatory requirement. Fees Charged Truist charged me {$6.00} in fees for two ACH transfers ( {$3.00} per transfer ) between FDIC insured banks. These transfers are fully automated processes, and the fees appear to be arbitrary and excessive. Account Closure I explicitly requested that Truist close my account and return all funds. I have complied with all requirements. Truist has acknowledged the request but is delaying the return of my money. Harm and Concern The extended delay in releasing my funds creates unnecessary hardship and appears to be a deliberate policy choice rather than a technical necessity. ACH transfers typically clear within 12 business days. A 1014 day delay is unreasonable and feels like an attempt to retain customer funds longer than necessary. Requested Resolution I request that Truist : 1. Return all of my remaining funds without unnecessary delay. 2. Confirm the closure of my account. 3. Provide a written explanation for the 1014 day delay. 4. Explain the justification for the {$6.00} in ACH transfer fees. I am filing this complaint because Truist has not provided a reasonable explanation for the delay or the fees, and I want to ensure my funds are returned promptly.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, we made a credit card payment to our capital one XXXX XXXX card. It was late because we were having tariff issues. When we made the payment on the XXXX, we made an overpayment of XXXX dollars. I called on XX/XX/year> to have the money refunded and they said because the account was on restriction, they have to wait XXXX billing cycles. That it was a system thing that can't be overridden. i asked where in the client agreement it says that and she said it's not in the agreement. she then said that there's no one to speak to or escalate it past her.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch
State: MD

Complaint narrative:
I recently began exploring refinance options through XXXX 's auto refinance marketplace. During this process, I was presented with multiple lender offers within the marketplace, each displaying different rates and allowing me to select preferred terms. Based on this, I selected an offer with a 6.47 % interest rate and a XXXX term through AutoPay. Shortly thereafter, I received both a text message and email confirming that I had been approved. I was then contacted via text by a loan representative, XXXX XXXX. We then connected via telephone, where XXXX then verified my information and confirmed the approval. At no point during this interaction was I informed that Autopay operates as a loan broker, nor was I advised that my information would be shared with multiple lenders, resulting in multiple hard inquiries on my credit report. Later that day, after receiving several alerts indicating that my credit had been pulled multiple times, I called to better understand the process. During this call, I was met with unprofessional and discourteous service from another representative. I subsequently contacted the company again to file a complaint, at which point XXXX from the Customer Success Escalations team apologized and clarified for the first time that Autopay is, in fact, a broker. Shortly after, XXXX followed up again and informed me that I had been approved by a credit unionbut at a significantly different rate and term : 8.74 % for 84 months. This was a stark contrast to the original offer presented at 6.47 %, and it raised serious concerns about the transparency of this process. I was told this discrepancy was due to my debt-to-income ratio ( 54 % ), and that lower rates are typically reserved for those with stronger financial profiles. However, if this is the case, it is unclear why : This was not communicated upfront, immediately following the initial credit pull The initial rate presented was so materially different from the final offer Full transparency was not provided regarding the broker model and the likelihood of multiple credit inquiries Most importantly, I was not given the opportunity to make an informed decision before my credit was impacted multiple times. This experience has left me extremely disappointed in both the lack of transparency and the overall customer service. The process felt misleading, and the difference between the initial offer and final approval strongly resembles a bait-and-switch scenario. I am submitting this complaint in hopes that this practice is reviewed, and that other consumers are not subjected to a similar experience without clear, upfront disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: CO

Complaint narrative:
My account was deactivated without stating a clear reason. I called customer service to inquire why they deactivated my account, but the customer service agent said she could not disclose the reason. Really?? What kind of company is this? This is the worst customer service experience I have had, You are calling to look for a solution and they simply tell you that she is sorry biut she cant disclose any information about the deactivation. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I completed a mortgage modification process with Freedom Mortgage and complied with all requested trial payments and documentation. After waiting the required time, I still have not received a clear resolution regarding the reporting of late payments and/or the handling of my account. I sent written correspondence requesting clarification and correction, but the issue remains unresolved. The current reporting is negatively affecting my credit and ability to refinance. I am requesting a formal review of the account history, payment reporting, and modification handling, including correction of any inaccurate reporting and a written explanation off the account status My Loan number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Opened a store credit card on XXXX and immediately made a purchase. Credit card company stated that the billing cycle ended on XXXX. On XXXX, they charged a XXXX late fee, and an additional XXXX $ processing fee. I never received a statement, nor can I look at a statement online on my account. On XXXX, I paid the full amount, including the late fee and processing fee. I check my balance two days later and see a balance of {$8.00}. The statement date is XXXX. The customer rep claims that the {$8.00} balance is an interest charge on the late fee only with an additional {$.00} charge for payment security. I believe that I am getting charged fees without receiving a statement, without given even 20days before the billing cycle closes, and then charged interest even after the balance was {$0.00}.

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 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius Global Solutions ( also reported as XXXX XXXX XXXX ) re-reported a {$89.00} collection account that was previously disputed and deleted by the credit bureaus for lack of validation. They have provided no documentation or proof of the debt either before or now. This is a violation of the FCRA and FDCPA. I request that this collection be permanently deleted and that the company be investigated for abusive practices.

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 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of the Santander account from my credit report. The alleged debt is over XXXX years old, which exceeds the reporting period allowed under the Fair Credit Reporting Act ( FCRA ). Under federal law, negative accounts generally can not remain on a consumer credit report for more than XXXX years from the date of first delinquency. Because this account has surpassed that time limit, I request that it be immediately deleted from all credit reporting agencies. Please investigate this matter and remove the account from my credit file as required by law. If you can not verify that the account is still legally reportable, it must be deleted promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi will not provide me with any kind of payoff quote or statement. They say they do not generate them. I need one for my mortgage refinance

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 2026-05-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: IL

Complaint narrative:
My card literally stopped working on XX/XX/year> was declining all and any transactions for stores and for bill paying tried calling numerous times the number on back of card but they gave no options to my issue so I found a number online got ahold of a person was told the first time that it was the merchants who are declining the card and was told I could go to a atm withdrawal funds and then go to XXXX and have put on a XXXX XXXX card so I try to withdrawal from atm and it rejects the card saying that I need to contact the card issuer so I call back again and am told this time try and change my pin and then they tell me the only other option they will cancel my card and I would have to wait two weeks for a new card to be able to have any access to my funds I said no I dont want it canceled so I try changing the pin didnt work I called back and yet again told that its not on there end all tho when I called the number on the back of card to change pin there is a auto message stating that they are having issues with the cards and they are unsure when the problem will be fixed and then says thank u call back later and hangs up on you so I call the other number tell them all this and am yet again hung up on as they cant give me a time frame of when I will be able to use my funds or anything I know have late payments on my bills I was planning on using this money to pay but have no clue when I will even be able to use my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To whom this may concern, I saw an alert that I have a collections account with Midland Credit Management and I have no idea what it is. It is a fraudulent account appearing on my credit report. Ive now obtained an official police report stating what I know about the matter. So now I have police report and an identity theft report. Together this concludes everything that I know regarding this very serious matter. I have no knowledge of the account, and it was opened with my credentials over the last few years ( along with some other accounts from different companies ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
At this point, I have filed FTC complaints and XXXX XXXX XXXX XXXXXXXX XXXX Credence Resource Management because I continue receiving inaccurate reporting and no proper validation of the alleged debt. Most importantly, Credence Resource Management is reporting this account as a charge-off despite being a third-party collection company and not the original creditor. It is widely known and easily researchable that a collection agency can not accurately report a collection account as a charge-off when they are not the original creditor. This raises serious concerns regarding XXXX XXXX compliance and FCRA accuracy requirements. Additionally, I never received proper initial notice prior to this account being reported to the credit bureaus as required under FDCPA XXXX ( a ). I have repeatedly requested proper validation of this debt, including : complete account/payment history signed agreement or contract lawful ownership/assignment documentation documentation supporting the balance method of verification pursuant to FCRA 611 ( a ) ( 7 ) proof the reporting complies with XXXX XXXX standards To XXXX, none of this has been properly provided. Under FCRA 607 ( b ) and 611, companies furnishing information to consumer reporting agencies are required to maintain maximum possible accuracy and conduct reasonable investigations after disputes are received. Under FDCPA XXXX, debt XXXX are prohibited from using false, deceptive, or misleading representations in connection with collection activity. At this point, I am calling on the CFPB to conduct a deeper investigation into Credence Resource Managements reporting and collection practices because these violations continue despite repeated disputes and complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I am reporting Midland Credit Management ( MCM ) for systemic deceptive practices, record fabrication, and the intentional obstruction of my legal right to dispute debt regarding XXXX separate accounts. XXXX. Obstruction of Legal Dispute Process ( K.S.A. XXXX ) : I attempted to serve a formal dispute via Certified Mail ( Tracking # XXXX ) to MCM 's official Kansas Resident Agent in XXXX ( Entity ID : XXXX ). The XXXX returned this mail as " Undeliverable as Addressed. '' MCM is failing to maintain a reachable legal presence in Kansas. By maintaining an invalid address for their resident agent, they are physically preventing Kansas consumers from exercising their federal and state rights to dispute debt. XXXX. Intentional XXXX XXXX & XXXX : MCM is providing " reconstituted '' records with impossible timelines. XXXX Conflict : A mailing delivered on XX/XX/XXXX contained XXXX XXXX dated XX/XX/XXXX, but XXXX XXXX was dated XX/XX/XXXX. This XXXX discrepancy within a single envelope proves that the " XXXX '' date is a backdated fabrication. XXXX Conflict : A mailing delivered on XX/XX/XXXX contained XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. These internal inconsistencies prove their records are unreliable and likely generated on the fly to bypass the XXXX dispute window. XXXX. Systemic " Letter Hanging '' Pattern : I have documented XXXX instances of deceptive mailing delays designed to strip me of my response time : XXXX XXXX : Notice dated XX/XX/XXXX was not shipped until XX/XX/XXXX. XXXX XXXX : Notice dated XX/XX/XXXX was not delivered until XX/XX/XXXX. XXXX : XXXX separate notices were received via USPS with internal dates XXXX to 130 days prior to the actual delivery date. MCM is operating in XXXX XXXX. Their failure to provide a functional legal address and their systemic use of deceptive dating constitutes a willful violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd
State: AL

Complaint narrative:
On XX/XX/2026, an unauthorized, manual-entry charge of {$130.00} was processed on my Wise debit card ( ending in XXXX ) by a merchant named XXXX XXXX XXXX XXXX. I did not authorize this specific dollar amount, nor did I ever sign a Card-on-File ( COF ) agreement or Financial Policy allowing this merchant to securely store my payment data and initiate manual charges without my presence. The merchant relied solely on an automated text message stating a fee " may '' apply for a cancellation, which did not disclose a specific amount and does not constitute a valid Visa Card-on-File authorization agreement. I disputed this unauthorized electronic fund transfer with my financial institution, Wise. I provided proof of the text message, the merchant 's vague online policy, and the fact that no signed agreement exists. However, Wise has refused to properly investigate or process the chargeback under Visa rules or the Electronic Fund Transfer Act ( Regulation E ). Wise incorrectly claimed that my basic awareness of the merchant 's policy meant I " ultimately agreed to being charged '' any amount they manually keyed in. Wise issued a final denial and refuses to require the merchant to produce a signed payment authorization document. I am requesting the CFPB 's assistance in forcing Wise to investigate this as an unauthorized electronic fund transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX. XX/XX/XXXX, I purchased a {$25.00} shirt at Jjill, using my Jjill card. XXXX. Recently I received a notification letter from XXXX XXXX XXXX XXXX stating that Jjill has closed my account as of XX/XX/XXXX due to me not paying my JJill bill. XXXX. XXXX XXXX XXXX XXXX says that my {$25.00} charge has turned into {$320.00} that I owe XXXX XXXX. XXXX. XXXX XXXX saw in the JJill records that they sent my notifications to my STREET address and not my PO address. I have no idea why bills were sent to my street address, the only thing I can think of is sometimes JJill does not except a PO address for shipping because the package is too large and needs to be sent to a street address? 5. JJill did send me notifications before XX/XX/XXXX to my XXXX XXXX XXXX and I always paid my bills. XXXX. In the past week I have called Jjill numerous times. Jjill says call XXXX. I have called XXXX several times. XXXX says call Jjill. There is no person from Jjill who says they can help me. People at XXXX says they can't help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Selene Finance is violating Federal Law under RESPA. RESPA allows mortgage companies to apply a XXXX month cushion for escrow accounts. Selene Finance is charging me more than a XXXX month cushion for my escrow account in the amount of {$2000.00}. My cushion should only be {$1000.00} based on my estimated disbursement balance and my monthly payments should be {$2000.00} a month instead of {$2200.00} a month. On XX/XX/XXXX, I owed {$5100.00} in property taxes. On XX/XX/XXXX, Selene Finance gave me an escrow advance of {$2100.00} due to having {$2900.00} in my escrow account. On XX/XX/XXXX I made a mortgage payment, which included paying {$330.00} towards my escrow. This left my escrow balance at- {$1800.00}. On XXXX XXXX I made a mortgage payment, which included paying {$330.00} towards my escrow. This left my escrow balance at- {$1500.00}. On XX/XX/XXXX I made a payment towards escrow in the amount of {$1100.00}. This left my escrow balance at- {$330.00}. On XX/XX/XXXX I made a mortgage payment which included paying the remainder of the escrow shortage. I paid my full shortage prior to the assesment of my escrow, leaving me at an escrow balance of {$0.00} at the end of XX/XX/XXXX. On XXXX of XXXX, I was told my mortage payment were to increase from {$1800.00} to {$2200.00} due to an increase in the escrow payment from {$330.00} to now {$740.00}. This means I will be paying in total {$8900.00} a year towards escrow, although my property taxes were only assesed for {$5100.00}. This leaves me at an overage. When asked about the increase to Selene Finance customer service reps, XXXX and XXXX, XX/XX/XXXX ; I was told I still had an escrow shortage of now {$2400.00}. This is even after I received an official letter from Selene Finance stating my escrow balance was {$0.00}, and paying off the shortage. Additionally, I contacted XXXX XXXX, TX XXXX XXXX XXXX and they notified me that I did not have an escrow balance. I requested an audit of my escrow and to speak to a supervisor, however I received nothing. I would like for an audit to be done to my escrow and mortgage account so that this is fixed. I am attaching letters and mortgage statements reflecting the payments of my escrow. Additionally I am attaching my escrow analysis.

Company response to consumer: Closed with explanation