vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
On XX/XX/year>, I logged in to my etrade account and noticed an advertisement for {$750.00} bonus if you deposited at least {$75000.00} and kept it for 45 days. I followed their instructions but they never gave the bonus. I called them well after the 45 days to ask why, and they said my account was not enrolled and that I needed to use a promotional code. The problem is that there was no code to enter in their advertisement or terms of service ( see attachments ). When I explained this to them, they said I should deposit more money to get a new promotion, but that they could not honor their original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this notice to formally request correction and review of CFPB Complaint ID XXXX, which was marked as a duplicate complaint in error. 

This matter is not a duplicate credit complaint. It concerns repeated denials of access to a basic deposit product ( checking account ) based on alleged failure to verify identity, despite full compliance and in-person verification. 

-- - # # Chronology of Events ( Clarified ) 1. Initial Application - Date : XX/XX/XXXX - Product : Checking account - Application ID : XXXX - Outcome : Online application denied for failure to verify identity. 

2. Written Denial Instruction - The denial notice expressly instructed that a local branch visit may be required to assist further with the account-opening process.

- This notice is attached and confirms the denial was procedural/identity-based, not credit-related.

3. In-Person Branch Visit - Date : XX/XX/XXXX - Location : Citizens Bank branch - Banker : XXXX Lopez - Identification Provided : - Valid U.S. passport ( primary government-issued identification ) - Mail confirming residence at XXXX XXXX XXXX, XXXX XXXX Ohio XXXX 4. Address Verification - The address XXXX XXXX XXXX, XXXX, OH XXXX has been a valid and continuous address for me since XXXX. 

5. Subsequent Outcome - Despite full in-person verification using primary identification and proof of address, Citizens Bank continued to deny access to the checking account.

- This represents the third separate product denial by Citizens Bank, establishing a pattern rather than an isolated technical error.

-- - # # CFPB Processing Error This complaint was marked as a duplicate based on an incorrect assumption that it related to a credit denial. That assumption is factually incorrect and materially alters the regulatory analysis.

Checking accounts do not involve traditional credit underwriting. The issue presented is identity verification and deposit-account screening, implicating : - Fair Credit Reporting Act ( FCRA ) as applied to XXXX  / XXXX XXXX XXXX - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Failure to provide meaningful adverse-action clarity - Arbitrary or inconsistent application of identity-verification standards -- - # # Requested Action I respectfully request that the CFPB : 1. Remove the duplicate complaint designation 2. Reopen the complaint for substantive review 3. Reclassify the issue as a checking-account identity-verification denial 4. Require Citizens Bank to identify the specific basis for denial after in-person verification 5. Review Citizens Banks account-opening practices for compliance with federal consumer-protection law This submission is necessary to ensure the administrative record accurately reflects the nature of the complaint and that appropriate regulatory oversight occurs. 

Respectfully, XXXX XXXX Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN 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 2026-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I wired paydown amount that was more than the principal amount owed and interest to date as of XX/XX/year> to Rocket Mortgage from XXXX XXXX. I have full documentation that the wire was sent and received on XX/XX/year>. Rocket Mortgage acknowledged receipt of the funds on XX/XX/year> that were over the principal amount and interest for XX/XX/XXXX and XXXX XXXX 

Principal owed- {$62000.00} Daily Interest- {$13.00} ( Principal above XXXX XXXX XXXX XXXX ) Amount wired - {$63000.00} Rocket held the money and did not apply it until XX/XX/year>, after charging me an additional {$330.00}, which they said was additional interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I opened an Indigo Mastercard with a {$300.00} credit limit. The company charged me a {$75.00} annual fee. Later they added a {$99.00} fee in XXXX. They also added a $ XXXX monthly maintenance fee. These charges were not clearly disclosed before approval. The fees used most of my available credit. I asked the company to waive or remove the fees. They refused. 

I paid the balance in full and closed the card. I still want a full review of these fees. The charges were too high for the credit limit. I am requesting a refund of the {$99.00} fee and all other fees. I am also requesting that the company provide proof that I agreed to these fees at the time of approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had to make a payment for my auto loan, and the only option provided was to use a 3rd party company " XXXX '' to make the payment in the amount of {$300.00}, which then added a {$4.00} fee. I wanted to know why this was my only option, and was told by the agent over the phone today XX/XX/2026 that it was because of their system. I'm under the understanding that I should be afforded the option to make a fee-free payment. I made the payment to avoid being late on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXXI paid my XXXX  vehicle to XXXX  through bankruptcy XXXX  XXXX  payment plan in full according to the Proof Of Claim filed by XXXX. It was paid in its entirety and Bankprutpcy Plan was fully paid and completed successfully. I have Radius Collection Agency trying to collect XXXX on behalf of XXXX  and their claim is not valid. I keeep calling XXXX  and they keep transferring me to Radius Collections. They need to pay me pain and suffering and relinquish my pink XXXX  vehicle title. XXXXAttached are all the supporting documents that the debt has been satisfied and XXXX  is still trying to collect and refuses to issue free and clear title on XXXX  Vehice.XXXXKindly advise if you need anything else.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> at XXXX pm I deposited {$3800.00} ( XXXX XXXX XXXX dollar bills ) into the Truist Bank ATM ( ATM XXXX XXXXXXXX ) at XXXX XXXX XXXX XXXX, XXXX PA. I received a message on the screen right after stating the transaction could not be processed and to call XXXX  XXXX phone number. The receipt had the same information ... the money was not returned OR deposited.... 
I called right away and the automated message said XXXX  is closed Sundays to call next day. I called today both the XXXX number as well as the branch and neither could help let me know when I can expect access to my CASH funds. 

They just keep saying a claim has been opened. These funds were EXTREMELY important to pay a bill due today which I will now be penalized for. 
UNACCEPTABLE!

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/year> my wallet was stolen at a gas station along with the items inside of it. Inside my wallet was my cashapp card. My cashapp card was used to conduct a transaction of {$500.00} in the state of XXXX  without my authorization ( let it be known I reside in XXXX  and conduct little to no business in the state of XXXX  ). Upon noticing said transaction I immediately contacted cashapp the same day and filed a report. Within XXXX business day, cashapp denied my claim and stated that I authorized this purchase ( which I very clearly stated that I do not ). I reopened a claim in which no real investigation was made and they closed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
This complaint concerns a collection account reported by Credence Resource Management on behalf of XXXX. 

The alleged debt is not valid. The internet service in question was enrolled under the lowest-tier plan, which was represented as free due to XXXX eligibility through the federal XXXX program. At the time of enrollment, XXXX was an approved XXXX provider. 

XXXX later exited the XXXX program without providing clear or adequate notice that the service would become billable. No billing statements, balance notices, or authorization for paid service were ever received. As a result, there was no knowledge of any outstanding balance. 

Despite this, the account was later placed into collections. The collector has not provided proper validation demonstrating that the debt is owed, that notice was given, or that billing consent existed after the XXXX status ended. 

I am requesting that this account be fully investigated, validated with proper documentation, and removed from my credit report if such proof can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I submitted this formal complaint to request an investigation into a serious mortgage servicing misconduct by Selene financial I was actively engaged in loss, mitigation and appeal processing. With the XXXX XXXX XXXX XXXX XXXX transferred my loan to XXXX. Assuring me all would be transferred. XXXX. Beginning XX/XX/XXXX I made repeated borrower initiated attempts to contact. XXXX included fax the missions with confirmation receipts over several months. Selene failed to respond reassigning my case to multiple individuals relied on incorrect contact information and obstructed my ability to make any payments by locking me out of online payment system, despite my timely appeal and documented compliance, the institution issued an intent to foreclose without responding to the appeal or provide provided explanations. With no answer on the appeal or the intent to foreclose that I reciprocated to stating that there was no decision made. I was now serve, served with a summons of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Request for Reporting on Bankruptcy Account Account Number : [ Your Account Number ] Dear Sir/Madam, I am writing to formally request that Exeter Finance immediately cease and desist from reporting payments or any negative information related to the above-referenced account on my credit reports. 

I filed for XXXX XXXX bankruptcy with case number XXXX in the [ Insert Court Name ], and I am currently in the process of completing my repayment plan, which has approximately XXXX years left. The debt associated with this account was included in the bankruptcy. Although the debt is being repaid through the XXXX XXXX plan, Exeter Finance continues to report payments as if the debt has not been discharged or included. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you : XXXX. Update the account status to reflect that this debt is being repaid as part of a XXXX XXXX bankruptcy plan. 
XXXX. Cease reporting any further payments or balances associated with this account that may mislead future credit reporting. 
XXXX. Ensure that all credit reporting bureaus are notified of the updated status to reflect the ongoing repayment under bankruptcy. 

Please find attached a copy of my bankruptcy filing and Trustee details for your reference. My XXXX XXXX  XXXX is XXXX XXXX XXXX, and she can be contacted for any verification you may need. 

If Exeter Finance continues to report this account in a manner that contradicts the ongoing bankruptcy proceedings, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action, including seeking a remedy through the courts for any violations of the Fair Credit Reporting Act and other relevant laws. 

I look forward to receiving confirmation that this account has been updated and that no further negative information will be reported. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX interest charge {$65.00} XX/XX/year> interest charge {$65.00} XX/XX/year> interest charge {$68.00} XX/XX/year> interest charge {$67.00} I try and make payment to lower it but it just keeps building up and I barely started my new job and I let them know. They just wont necessarily help me or try to understand my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
My phone was stolen, and my Chime account was accessed without my authorization. Funds were transferred to another individuals account without my consent. I immediately filed a police report and provided it to Chime. 

Despite providing law enforcement documentation, Chime denied my dispute multiple times. I believe Chime failed to conduct a reasonable investigation as required under Regulation E ( 12 CFR 1005 ). 

The denial appears to be based solely on the transaction originating from my device, even though the device was stolen and reported. I am requesting reimbursement of the unauthorized transfers and documentation of Chimes investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
They have reported this alleged debt to one or more consumer reporting agencies without first validating the debt, in violation of federal law. I was never provided debt validation prior to this account being placed on my credit report, nor have they supplied validation upon request.

Specifically, they have failed to provide the following required documentation : The original signed contract bearing my wet signature The complete payment history The bill of sale Proof of assignment and transfer of ownership The flow agreement showing a lawful chain of custody of the alleged debt Without these documents, the alleged debt can not be validated, and any continued reporting is inaccurate, misleading, and unlawful.

Furthermore, a debt can not be validated while it remains actively reported on a consumer credit report. Reporting an unvalidated debt constitutes continued collection activity and is prohibited.

Additionally, under 15 U.S.C. 1681b ( Permissible Purposes ), you are required to have a lawful, permissible purpose to furnish information to a consumer reporting agency. I did not give them written, verbal, or implied authorization to furnish any information regarding this alleged account to my credit report. As such, there reporting lacks permissible purpose and violates the Fair Credit Reporting Act ( FCRA ).

There actions also violate 15 U.S.C. 1692g, which requires proper validation of an alleged debt upon notice and prohibits continued collection activity until validation is provided.

Accordingly, they are hereby instructed to : Immediately cease and desist all collection efforts Immediately remove all reporting related to this alleged account from all consumer reporting agencies Provide written confirmation that this matter is closed and that reporting has been permanently deleted Failure to comply will leave me no choice but to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursuing private legal action for violations of federal law.

This letter is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I sent my mortgage servicer, Huntington National Bank, a RESPA Notice of Error regarding an escrow miscalculation.

They received it on XX/XX/XXXX, and did not acknowledge or respond within the required 30 days.

The error involved omitting one of the tax parcels from my escrow calculation at closing, which caused an unexpected payment increase and a temporary tax delinquency.

The error caused an increase of {$38.00} per month, required a catch-up escrow adjustment, and resulted in a temporary delinquency and late fee, which was later paid by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX has continuously charged my Bank of America credit card for membership and rides, most recently on XX/XX/XXXX ( {$20.00} ) and XX/XX/XXXX ( {$33.00} and {$34.00} ). 

These charges continue despite multiple card reissues by Bank of America and a network change from XXXX to XXXX, and despite my explicit requests to revoke XXXX stored credential / merchant-initiated transaction authorization or apply merchant-level blocking. 

Bank of America representatives have repeatedly issued replacement cards and opened fraud cases, but have not taken the appropriate authorization-level action, allowing XXXX to continue initiating transactions across new card numbers. 

I have also repeatedly contacted XXXX and documented correspondence. XXXX has indicated only that my account would be closed, yet charges continue. XXXX has otherwise been unresponsive. 

I have additionally requested to be opted out of all account updater and continuity services and requested a full account number change, but charges continue to post across both XXXX and XXXX accounts. 

This represents a failure to revoke merchant authorization, not a card replacement issue. I am requesting enforcement of authorization revocation or a permanent merchant-level block to prevent further unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I financed a purchase through XXXX XXXX XXXX for a product sold by a merchant. 

The merchant later accepted the return of the product and physically received it. Despite receiving the returned product, the merchant failed to issue any refund. 

I notified XXXX and provided evidence that the product was returned and that no refund was issued. XXXX failed to properly investigate or correct the billing error and continued collecting payments. As a result, the merchant retained both the returned product and my funds. 

Wells Fargo Bank, N.A., where the payments were withdrawn, refused to assist or escalate the matter. Wells Fargo stated that because the payments were authorized, they could not help, despite clear evidence that this was a goods-not-received / refund-not-issued dispute. 

The failure of both XXXX and Wells Fargo to properly address this dispute has resulted in financial harm, improper collections, and denial of meaningful dispute resolution.

Note : If you use Wells Fargo, they do not do anything to help you recover your funds being a long time customer for over 20 + years.

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