vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a legitimate payroll check in person at a Bank of America branch into a newly opened account. The teller said that funds would be available in my account next business day. This hold was shown on my account. Then, another hold of one week was placed without clear disclosure at account opening or deposit, preventing access to earned wages and causing financial hardship. Branch staff and phone support stated nothing could be done. I am requesting review of deposit hold practices and disclosure.

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 2026-01-29 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: Chime Financial Inc
State: FL

Complaint narrative:
am filing a complaint regarding Chime Banks handling of an unauthorized debit card fraud dispute. 
I reported fraudulent transactions totaling approximately {$800.00} that occurred on XX/XX/year>, in XXXX, Florida. I do not live in or travel to this location and did not authorize these charges. 
Chime denied my dispute within less than XXXX hours of filing, without providing any explanation of the investigation performed or what evidence was reviewed. 
I submitted a police report, employer emails, and my official work timesheet confirming that I was working and not physically present in XXXX, Florida on the date of the transactions. After escalation to a supervisor, I was asked to resubmit the same documentation. 
Despite this, Chime has not provided a written explanation for the denial or confirmation that a reasonable investigation under Regulation E has been conducted.

I am requesting that Chime perform a full manual fraud investigation, provide a written explanation of its findings, and credit my account for the unauthorized transactions as required under the Electronic Fund Transfer Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Debt Validation Request Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX : {$3000.00} To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above, which I recently identified on my Experian credit report.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate this debt : 1. Proof of Debt : Provide a copy of the original contract or agreement signed by me.

2. Chain of Title : Provide documentation showing the legal right of Credence Resource Management to collect this debt from the original creditor XXXX XXXX XXXX XXXX ). 
3. Account History : Provide a full itemized breakdown of the amount owed, including any interest or fees added.

4. Verification of License : Provide proof that your company is licensed to collect debts in my state.

Please be advised that this is not a refusal to pay, but a formal request for verification. Until such time as you provide the requested documentation, you are required by law to cease all collection activity and mark this account as " Disputed '' on all credit reporting agencies. 
I look forward to receiving your response within 30 days. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A deposit of {$620.00} was sent to my Citibank checking account and it was confirmed by XXXX that the transaction was successful. I have contacted the bank on numerous occasions and provided ACH number, whoever, the bank reports being unable to trace the number and they have not received the funds. XXXX has also attempted to retrieve back the funds but it was deemed unsuccessful. 

Deposit Amount : {$620.00} Date of Deposit : XX/XX/year> Bank Name : CITIBANK, NA Last 3 digits of account # : XXXX XXXX XXXX XXXX Trace Number : XXXX CashApp support contacted me via email on XX/XX/year> and stated the following : " As a courtesy, we attempted to recover your missing deposit with a letter of indemnity. This was our final attempt to try and pull the funds back into your XXXX XXXX. Unfortunately, our attempts were unsuccessful. If the bank sends the funds back to XXXX XXXX, they will automatically be credited to your XXXX XXXX balance. We will reach out if there are any further updates. 

Moving forward you will need to work with the receiving bank in regards to this deposit as we have exhausted all of our resources to recall the deposit. Please let me know if there is anything else that we can assist you with. ''

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 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
b'On XXXX XXXX XXXX I was doing my taxes. I logged into Firstmark Services to download my tax document and noticed I was in past due status. See details below:\n\nDue Date:XXXXPast Due Amount:XXXXFees:XXXXRegular Monthly Payment:$XXXX\nCurrent Amount Due:\n(with Outstanding Fees if applicable)\nXXXXI am and have been on auto debit since the beginning of my relationship with Firstmark Services. I then reviewed my payment history where I noticed additional late fees dating back to XXXX XXXX XXXX. It is unclear which of those late fees have been reversed, but a few look to have been.\n\nI can confirm there are 4 outstanding late fees on XXXX XXXX XXXX Please see details below: XXXX XXXX XXXXLate FeeXXXX XXXX XXXXLate FeeXXXX XXXX XXXXLate FeeXXXX XXXX XXXXLate FeeXXXXIn speaking with the first representative of Firstmark Services, she claimed to not understand why I was in past due as I am on auto debit and have always been current on my balance. XXXX  filed a complaint for me and also requested a full review of my account. Still, there is not clarity on how this happened and why I received late fees over the years while being on auto debit.\n\nThis is extremely concerning and makes me wonder how many other young adults like myself on auto pay are also having their payments processed incorrectly and are being charged late fees.\n\nIn speaking with the second representative of Firstmark Services, she explained that their "system accidentally processed my auto payment as an extra payment and therefore did not push back my due date, putting me into past due." You can hear all of this on the recording, which they refuse to provide unless it is court ordered.\n\nI would like to understand how this issue happened, as it sounds like this was an automated fault. Why is their system incorrectly processing payments? How many times has this happened to me? And how many other people is this happening to?'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Summary of Complaint I am filing this complaint regarding severe and repeated service failures by Remitly over the past 74 days, resulting in financial harm and undue stress. The complaint is solely about Remitlys handling of my communications and service, not the outcome of a fraud case. 

Despite numerous attempts to resolve the issue through chat, email, and phone, Remitly has consistently provided deflective, delayed, and contradictory responses, and has refused to provide written documentation of communications or follow through on promised supervisor callbacks since XX/XX/XXXX. 

I am requesting immediate refund of funds due, along with written documentation of all communications and actions taken by Remitly, due to their repeated failures. 

Timeline of Events/ Failures : 1. XX/XX/XXXXXXXX  : I reported suspicious transactions to Remitly regarding a recipient coercing transactions. 
2. XX/XX/XXXX : XXXX XXXX promised a refund that was never documented in email. 
3. XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Multiple CSRs and supervisors gave inconsistent answers, delayed responses, and failed callbacks, repeatedly instructing me to wait XXXX hours or expect a supervisor call that never occurred. 
4. XX/XX/XXXX : XXXX XXXX promised a refund, but no confirmation or documentation was provided. 
5. XX/XX/XXXX : After repeated deflections, I escalated to a * * supervisor via chat, but was told there is no department that provides provisional credits and still received no written proof. 
6. Throughout the 74 days : I was ping-ponged between Remitly, my bank, and authorities in XXXX, without meaningful action from Remitly, forcing me to act as my own compliance team. 
7. Bank Action : Due to Remitlys lack of communication, I was forced to dispute the merchant with my bank to protect my funds, a measure I only took because of unreasonable delays and deflective communication. 

Impact/ Harm : * Financial Harm : Compounding overdraft fees, bridges needed from friends, delayed access to my rightful funds.

* Emotional / Mental Stress : Forced to manage a 74-day ordeal, repeatedly advocating for a refund while being ignored or misled.

* Time Loss : Extensive personal time spent documenting and escalating the issue, doing the work Remitly should have done. 

Additional Notes : All actions taken by me were prompted by Remitlys repeated failures to act responsibly, including their refusal to provide written logs and inconsistent communication. I have kept detailed records of all contacts and escalations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BlueChip Financial
State: CA

Complaint narrative:
I accepted a {$300.00} loan from XXXX XXXX XXXX  as a direct deposit in mid XXXX. Now I keep getting scam calls and recently someone tried to make an authorized purchase with my bank card. I already call up my bank because a scammer pretend to be my bank then yesterday tried to use my card. At first I didn't worry about it because it went through my voice mail but the notification I got about my bank account made me think that my other personal information was leaked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding an unresolved dispute with Citi Bank that began in XX/XX/year>. 

During that month, two unauthorized transactions were made from my account through the XXXX XXXX XXXX application, XXXX for {$100.00} and another for {$240.00}. I did not authorize either transaction and submitted disputes for both, providing the same documentation and explanation. 

Citi Bank resolved the {$100.00} transaction in my favor but denied the {$240.00} transaction, stating insufficient information, despite the fact that the same information was accepted for the first refund. This decision is inconsistent and unjustified. 

I was instructed by Citi Bank to submit an appeal by fax for the {$240.00} transaction, which I did. However, I have not received any response or resolution since then, despite multiple attempts to follow up.

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Debt was not owed to my old landlord. Everything was already paid to my landlord. They are trying to collect money i do not owe and they also do not have a license to be collecting legally in the state of Michigan. I asked for validation, they sent me their paperwork which doesnt even have the correct information on it. The information they sent is not my information.

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 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
Jefferson Capital Systems is attempting to collect and report a debt originally from XXXX  that is past the statute of limitations and beyond the 7-year credit reporting period under the Fair Credit Reporting Act. This account was previously removed from my credit report after being deemed time-barred by a third-party collection agency named XXXX XXXX. The amounts are inconsistent. Jefferson Capital has now re-reported this debt, which I believe is illegal re-aging. I am requesting proof of the original date of first delinquency, proof of legal right to collect and report this debt, and immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
i am XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX XXXX, a citizens bank client, the las 4 of my business account are XXXX, i was victim of an ach fraud between XX/XX/XXXX to XX/XX/XXXX ( XXXX  ), on XX/XX/XXXX of XXXX  I submitted an ach claim through the ach dispute dept., the claim number is XXXX, I get my money back on the first transactions but the bank don't recover the transactions of XXXX for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for XXXX, but I received the proper credit of the first transactions. I didn't autorize someone or something take money from my account. I need the bank make the process of my ach claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXXXXXX  I got three fraudulent charges on my paypal account from a company called XXXX XXXX XXXX XXXX. The XXXX transactions were for {$3500.00}, {$3600.00}, and {$3400.00}. I reported the transactions as fraudulent on XX/XX/XXXX. Later that day they informed me that they did not find any unauthorized access to my account and they were settling the dispute in favor of the vendor. On XX/XX/XXXXXXXX  paypal removed {$3400.00} from my savings account and put the rest of the remainder of the fraudulent charges as a negative balance on may paypal account. On XX/XX/XXXX I appealed their decision, later that day the responded to my appeal saying the decision was upheld. Since this rejection I contacted them on the phone. They requested more information on XX/XX/XXXX. On XX/XX/XXXX I called Pay Pal and explained the situation further. They said it would take 10 business days to resolve the case. I called again on XX/XX/XXXX. I talked to someone and they told me if I wanted to get the charges erased I would have to change the claim from " unauthorized use '' to " did not receive your merchandise ''. I requested information they made to determine the claim and they said there was no information for them to provide. I asked to elevate the situations to a supervisor. They said it was too late in the business day to get a supervisor on the phone and gave me a ticket number. The supervisor called back on XX/XX/XXXX and urged me to proceed with the claim as a " claim because you did not receive your merchandise. '' I objected to this, as that is not a truthful reflection of the situations. 

I also think it is important to include that I had similar fraudulent transactions from XXXX XXXX XXXX Limited back in XX/XX/XXXXXXXX  that totaled approximately {$40000.00}. Paypal resolved this claim and ruled in my favor. It appears this time they are using those past fraudulent transactions as an establishment of a relationship with XXXX XXXX XXXX XXXX " proving '' the XX/XX/XXXX transactions as legitimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 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: Chime Financial Inc
State: MI

Complaint narrative:
I reported fraud on my account, which was a XXXX charge for {$220.00}. 

It was denied with no explanation. I called Chime and there is no appeal process. 

Every month I have fraud. I've never had cc a debit card for more than a month. 

The kicker is my card was not active when these charges were made. Yet still they denied my claim. 

I'm closing my account and cutting my losses. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AL

Complaint narrative:
The following answers each questionnaire referencing each Valid Dispute/Fraud Claim . Please be aware : some merchants cooperative and others uncooperative. Each merchant repaid amounts, in-store or over telephone, with different form of payment, and no products nor services received at time of repayment. THIS ANSWER IS FOR EVERY DISPUTE AND DEMANDING REASSERTION OF EACH CLAIM. EACH PURCHASE POSTED TO ACCOUNT, AND MERCHANTS PAID DIRECTLY. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. REPAYMENT TO : ( 1. ) EARNED SPENDING BONUS, {$750.00} ( CLAIMS FOR {$770.00} FILED XXXXSATURDAY ) ( 2. ) EARNED CASHBACK REWARDS, {$78.00} ( {$50.00} REDEEMED ), REMAINING {$28.00} ( 3. ) payment tendered on 11/26/2025-WEDNESDAY, {$160.00} ( 4. ) XXXX, XXXX, XXXX, {$71.00}, {$91.00} ( XXXX. ) XXXX XXXX, XXXXXXXX XXXX  {$96.00} ( XXXX. ) XXXX, XXXX, XXXX, {$100.00} ( XXXX. ) XXXX, XXXX, XXXX, {$42.00} ( XXXX. ) XXXX, XXXX, XXXX  {$110.00} ( XXXX. ) XXXX XXXX, XXXX, XXXX, {$46.00}, {$100.00} ( XXXX. ) XXXX, XXXX, XXXX, {$40.00} ( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} ( XXXX. ) XXXX XXXX, XXXX, XXXX, {$2000.00} ( XXXX. ) XXXX XXXX XXXXXXXX, XXXX, {$650.00} ( XXXX. ) XXXX XXXX, XXXX, XXXX, {$180.00} ( XXXX. ) XXXX, XXXX, XXXX, {$52.00}, {$60.00}, {$63.00} ( XXXX. ) XXXX, XXXX, XXXX, {$110.00} ( XXXX. ) XXXX, XXXX, XXXX  {$75.00}, refunded {$13.00} on XX/XX/XXXX, XXXX, REMAINING REFUND, {$62.00} * TOTAL CREDITS TO XXXX XXXX XXXX  : {$3900.00} + {$28.00} + {$750.00}, GRAND TOTAL : {$4700.00} * PAYMENT REVERSAL TOTALING {$160.00} SAFETY ONLY, XXXX XXXX XXXXXXXX XXXX  XXXX  : XXXX EMAIL : 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 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: CO

Complaint narrative:
Credit Reporting Dispute Regarding Sallie Mae I am submitting this complaint to dispute an inaccurate credit report made by Sallie Mae that resulted in a XXXXpoint drop to my XXXX XXXX. 

On XX/XX/XXXX, I contacted Sallie Mae regarding my account. During that call, I was informed that no negative credit reporting would occur because my sister, who is the main holder with this account, had been approved for a program and successfully set up a new payment plan. The first payment under this new arrangement was made as agreed.

In addition to my own call, my sister contacted Sallie Mae multiple times. Across these calls, we received confirmation from four separate Sallie Mae representatives that the account would not be reported to the credit bureaus under these circumstances. 

Despite these repeated confirmations, Sallie Mae still reported the account to the credit bureaus, resulting in a significant and unexpected XXXXpoint reduction to my credit score. This reporting directly contradicts the information provided to us by multiple company representatives and has caused financial and emotional distress.

I am disputing this report as inaccurate and unfair, as it was made after explicit confirmation that reporting would not occur and after the new payment plan was approved and paid. I am requesting that Sallie Mae correct this error by removing the negative report from my credit file. The two people I spoke with were XXXX ( employee code XXXX ), and XXXX ( employee code XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: SC

Complaint narrative:
Vehicle was repossessed and is back in their possession and they want me to pay for a car that I no longer have. The name of the finance company is Santander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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:
I went to cash in a check given to me by family for XXXX dollars. I was told my funds from this check would be held for 7 days. This check is from a valid trusted account. I went in person for this check XX/XX/year>. My funds should be available this Friday the XXXX. I went to use the XXXX today, the XXXX, feature on my banking app and noticed my previous funds before the check were not available and I had to hunt down the reason why. I was not informed or contacted that my entire account was frozen. I called and was given very short answers to my question and asked for my next steps, but was told nothing could be done to help and I couldnt use my existing funds until XX/XX/year>. I need to pay rent, buy groceries, and utility bills. I am very confused as to what would have happened if I did not realize this problem on my own before I went to pay these things. I am a college student and away from home and rely on money from jobs and being sent from family, which I am now allowed to use or receive for almost a week with no notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation