vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Return my money reissue an unable to deposit expired check with interests from their unnecessary uncooperative delays {$51.00} still has not been returned yet of many years now. When people owe you money, you take this long time to receive their money owed to you?

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 2026-05-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's credit card. XXXX XXXX is what is on my statement but am receiving past due reminders from XXXX. On XX/XX/year> I was in my banking system and noticed my checking account was extremely low. When I looked at my checking account there were four ( 4 ) withdrawals from Macy 's and one ( 1 ) pending. Total Withdrawals {$21000.00} : XX/XX/year> {$7200.00}, XX/XX/year> {$2700.00}, XX/XX/year> {$2700.00}, XX/XX/year> {$6000.00}. Pending that was cancelled when I called the bank : XX/XX/year> {$3300.00} I notified my bank and they put a stop to any Macy 's withdrawals. ( The bank provided me with Macy 's withdrawal # and XXXX Claim # ). My bank put the funds back in my account and notified officials. I also received a phone call from Senior Protective Services. Then I immediately notified Macy 's ( XXXX ) of the fraudulent charges and payments taken from my banking account. I also notified them my mailing address, email address and phone number were all changed in my Macy 's online. They were unable to help and said they would send a letter and I needed to call once that was received with the number on it. It would be 7-10 days. I never received a call or letter. I was told they shut down all my charge cards. Several weeks later they contacted my husband looking to approve a charge on the account. I've made close to 30 phone calls at various numbers since this happened. Sent registered letters and emails. Today I received a voicemail stating they have approved the reversal of {$1000.00} and to please call them. This fraud seemed to have happened by the hackers accessing my online account. They were able to process payments and locked me out of accessing my information. They also added users to the account, XXXX XXXX and XXXX XXXX. Notices went to the address the hackers put in my online portal. Charges continued even after my notifications to Macy 's. They have completed some " Transfer between '' on my statement but it continues to have a past due balance and the funds have not been refunded to my checking account. I have never received anything in writing or email and they have informed me they do not do that.

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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I placed my couch on XXXX XXXX for sale. I was contacted by someone who wanted to purchase it. They asked for my XXXX, and said that they sent it. It wasnt in my XXXX, and I received an email that I thought was from XXXX saying that its a business account and I have to have them send {$500.00} extra to setup the business account. I was on the phone with someone regarding this, they " walked me through '' sending them {$500.00} because they " saw the {$650.00} '' and are ready to push the payment through. Like an XXXX, i gave them the XXXX, then looked at the email and realized it wasn't XXXX. The email that they used was XXXX and the phone number they used was XXXX. Their XXXX profile is XXXX XXXX. I contacted my bank, XXXX, the second I sent the money via Zelle and realized that was a horrible mistake, they said the money was already delivered and I cant get it back. The email used was XXXX for the Zelle transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Bank of America Claims Department, I hope this message finds you well. I am writing to respectfully request an urgent and final review of Claim # XXXX as of today, XX/XX/year>. This claim involves over {$2000.00} in unauthorized transactions that remain unresolved. I want to emphasize that neither I nor anyone authorized by me conducted or recognized these transactions. They occurred as a direct result of a theft situation involving both my wallet and mobile phone during a serious incident that placed me in a life-threatening position. I have previously provided documentation supporting this case, including police reports and evidence of the theft, along with details of my full cooperation with law enforcement. These facts clearly establish that I was a victim of theft and that the transactions in question were not authorized under any circumstance. Given the severity of the situation and the financial impact this has had on me, I kindly ask for one final, thorough review of this claim, taking into account all submitted evidence and the nature of the incident. I respectfully request that the unauthorized transactions be reconsidered and that appropriate adjustments be made. This matter is extremely urgent to me, and I would deeply appreciate your prompt attention and assistance in helping resolve it fairly. Thank you for your time and understanding. I look forward to your response. Sincerely, XXXX XXXX XXXX Account Number : XXXX Claim Number : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL 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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXXV funding C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX RE : CEASE AND DESIST COMMUNICATION PURSUANT TO 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am writing to formally notify you that I dispute the alleged debt you claim I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this matter. You are instructed to immediately stop all forms of contact with me, including but not limited to phone calls, text messages, emails, and written correspondence, except as permitted by law. Specifically, you may only contact me to : Advise that your collection efforts are being terminated ; or Notify me that you or the creditor may invoke specific remedies that are ordinarily available ; or Notify me that you intend to invoke a specified remedy. Be advised that any further communication beyond these exceptions will be documented and may constitute a violation of federal law. I am fully prepared to file complaints with the appropriate regulatory agencies and pursue legal remedies if necessary. Additionally, if this debt has been reported to any credit reporting agency, I request that it be marked as disputed/deleted from credit report P lease confirm in writing that you have complied with this request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I submitted a School Misconduct Discharge application to the lender for private student loans I took out to attend XXXX XXXX XXXX XXXX XXXX. The school had made misleading claims about job placement rates ( XXXX XXXX ), average starting salary ( {XXXX} ), and career services assistance. I was diagnosed with XXXX XXXX while still enrolled and was encouraged by school staff to continue taking out loans. After the loans were discharged under the XXXX XXXX XXXX XXXXXXXX program, the lender denied my School Misconduct application. They stated that because the loans were already discharged under XXXX, they would not review the misconduct claim or provide any refund of payments previously made. I believe this decision is incorrect. The harm from the schools misrepresentations happened years earlier, and I should still be eligible for a refund under the School Misconduct program. I have followed up multiple times asking for a full review and refund, but the lender has refused. I am asking the CFPB to require the lender to reopen and properly review my School Misconduct Discharge application and consider a refund of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
" I am filing this complaint regarding a lost paper consolidation application for my XXXX XXXX loans. On XX/XX/year>, I mailed a physical consolidation application via USPS Certified Mail to Nelnet. The tracking number is [ INSERT YOUR TRACKING NUMBER HERE ] and confirms delivery. Despite this, Nelnet and XXXX ( the processor ) claim they have no record of the application. This administrative failure has left my loans on a 'Standard " repayment plan with a monthly bill of approximately {$1500.00}, which I can not afford, instead of the Income-Driven Repayment ( IDR ) plan I applied for. Furthermore, this delay puts my eligibility for the XX/XX/year> XXXX consolidation deadline at risk. I have already attempted to resolve this with the companies via phone multiple times with no success, and I have filed a formal complaint with XXXX XXXX XXXX ( XXXX Case # XXXX ). I am requesting that the CFPB compel the company to : Locate the original application and process it immediately. Grant Administrative Backdating to the original XX/XX/XXXX filing date to ensure I meet all federal deadlines. Place my XXXX XXXX XXXX into a processing forbearance so I am not forced to pay {$1500.00} while they fix their internal error. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received credit card upgrade offer card ending # XXXX. I called around XX/XX/year> ( not sure of exact date ) to get clarification/understand how it is different than care credit card I already had. I asked specifically, are you saying I can make purchases " anywhere '' gas stations, XXXX and get 6 months zero interest. I asked the question more than once because I couldn't believe it. The guy on phone said yes you can use it anywhere as to before you couldn't. I said ok and think I repeated again for 3rd time. I can make purchases over {$200.00} and no I interest for 6 months. Again he said yes. I hung up and said I will activate let me make d ecision. I then decided it was a great deal and accepted. Went online and activated or maybe I called to activate it. I made purchases and when I went to look at my statement and account on the App. I didn't see the big purchase I made with XXXX as a promotion. So, I called on XXXX spoke to a person ( XXXX ) and she explained promotions not on " all '' purchases only, XXXX, XXXX, XXXX, XXXX. I said oh like before. I was so upset, I was deceived and marketing is very misleading. I had to apply for a zero interest credit card so I can transfer the balance. I now have to pay a transfer fee 5 % about {$84.00} and feel this should be reimbursed by synchrony/care credit.

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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems ( XXXX ) placed a collection on credit report on XX/XX/XXXX, without any prior communication. We never received the legally required validation notice or any initial contact from the agency before they reported the debt. This is a direct violation of Regulation F ( 12 CFR 1006.34 ), which requires debt collectors to provide a validation notice and wait 14 days before reporting to a credit bureau. The underlying debt is also invalid. We legally terminated our lease under Texas Property Code 92.056 in XX/XX/XXXX due to a severe, unremedied mold hazard that affected health and safety. We have photographic evidence of the hazard and proof of certified mail notice sent to the original creditor. The collection agency is reporting an illegitimate debt and failed to follow federal reporting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a new complaint with additional evidence. A Citi credit card account was opened in my name without my authorization on XX/XX/year>. I discovered this fraud in XXXX XXXX and immediately contacted Citibank. I have never opened or used any Citi account. The contact information on the account ( phone number and email ) does not belong to me. I requested proof that I authorized this account, details of the application, and full transaction history. Citibank failed to provide any such evidence. Their response only states their conclusion without supporting documentation. Since then, I have filed disputes with all three credit bureaus, submitted an FTC Identity Theft Report, and filed a police report ( XXXX ). This fraudulent account caused significant damage to my credit score and continues to accrue interest. I demand immediate removal of this account, all associated charges, interest, and negative reporting from my credit history.

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 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am a qualifying class member under the XXXXXXXX XXXX XXXX XXXX XXXX. I attended XXXX XXXX, a covered institution under this settlement, and I am entitled to a full refund of all payments made toward my XXXX XXXX XXXX XXXX including loans that have been paid off. I have contacted both Department of Education and XXXX multiple times to request this refund. Each party continues to redirect me to the other, and neither has taken responsibility for processing my refund. I am being denied a benefit I am legally entitled to under a federal court settlement due to this ongoing cycle of redirection between my servicer and the Department. The last calls I had with the Department of Education XXXX, XXXX representative told me I needed to wait until my account was completely closed before I filed an appeal to receive my refund and the other directed me to the department of education XXXX to have them open a claim and after attempting 4 times to submit my claim, I received a message saying : This page is currently unavailable ''.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am filing a complaint against U.S. Bank regarding their handling of a disputed debit card transaction in the amount of {$340.00}. I reported this charge as unauthorized because the merchant, US Compliance Team, is unreachable and does not provide any legitimate way to cancel or stop billing. The phone number listed on their website is invalid, and my email to them has not been answered. There is no functional method to revoke authorization for charges. Despite this, U.S. Bank denied my dispute and I waiting to learn from them the reasons they denied my dispute. They committed to having the investigator contact me within 24-48 hours. This situation qualifies as an unauthorized electronic funds transfer under Regulation E, because I attempted to revoke authorization but was unable to do so due to the merchants lack of contact and cancellation options. This is not a billing dispute over services rendered. It is a case where the merchant is effectively preventing cancellation and continuing to charge consumers without proper authorization. Attached is a copy of the website showing the email address and phone number for US Compliance 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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX ( the servicer of my Bilt XXXX ) informing me that my account had been temporarily suspended pending a profile change review. The email ( support request # XXXX ) requested that I reply with a photo of myself holding a valid government-issued photo ID. I submitted the requested photo and ID the same day, on XX/XX/year>. It has now been 10 days since I submitted the requested documentation, and my account remains suspended. I have received no further communication from XXXX or Bilt regarding the status of the review, no estimated timeline beyond a vague 'two-week review ' window, and no explanation of what triggered the suspension in the first place. My attempts to follow up through customer service have not produced any meaningful update or expedited handling. This card is my primary means of payment, and the prolonged suspension is preventing me from paying time-sensitive medical bills. I am requesting that XXXX and Bilt complete the review immediately, restore access to my account, and provide a clear explanation of what caused the suspension and what ( if anything ) is still outstanding on their end. I also request a written response detailing their identity verification review timelines and the safeguards in place to prevent indefinite account holds after a customer has fully complied with documentation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint against Select Portfolio Servicing , Inc. ( SPS ) regarding improper mortgage servicing, dual tracking, and unfair fee assessment on my primary residence. I applied for mortgage assistance after experiencing financial hardship and was approved for a trial modification plan. I made the required trial payments. SPS later sent me a loan modification agreement, which I signed, notarized, and returned on XX/XX/year>, using the shipping label provided by SPS. I also uploaded the agreement to the SPS portal and emailed it within the required timeframe. Despite my timely submission, SPS claimed the agreement was received late due to delivery delay and required me to restart the process. However, SPS has acknowledged receiving my documents and has stated in writing that my application is under review. At the same time, SPS has continued foreclosure proceedings against my home. The foreclosure sale has been postponed multiple times, most recently to XX/XX/year>, instead of being properly placed on hold while my application is being reviewed. SPS has also : Failed to provide consistent and accurate written communication Provided conflicting instructions regarding payments Instructed me verbally to make certified payments without written confirmation Failed to notify me in writing of approvals or requirements Refused to clearly confirm whether foreclosure is paused I have made repeated attempts to comply in good faith and requested to make payments, but SPS has prevented me from doing so properly while continuing to treat my account as delinquent. Additionally, SPS has charged late fees and other charges that could have been avoided. These fees are the direct result of SPSs own delays, failure to process my modification properly, and failure to provide clear instructions. As a result of SPSs actions : My account has been placed in a worsening delinquency status Fees and charges continue to increase My home remains under threat of foreclosure I am being denied a fair opportunity to complete the loan modification process This conduct appears to be improper servicing, including dual tracking, misrepresentation, and unfair practices. I am not refusing to pay my mortgage. I am actively trying to resolve the situation and complete the modification process, but SPS is preventing me from doing so while continuing foreclosure activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/2026, I attempted to activate my XXXX XXXX debit card, but received a message that the card was invalid. I then contacted customer service and was instructed to send an email to verify my identity. I was told the issue would be resolved and my card would be usable within 2448 hours. I received an automated response confirming my message was received, but no further action was taken. As of XX/XX/2026, my card is still locked and unusable. I have called customer service every day since XX/XX/XXXX and have waited on hold for hours without being able to reach a representative. I also sent a follow-up email stating that I still can not use my card, and I have not received a response. I am currently unable to access my funds and need immediate assistance to unlock my card or regain access to my account.

Company response to consumer: Closed with non-monetary relief