vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
nte isso : My checking account was abruptly closed by Bank of America after I received a legitimate relocation payment of {$10000.00} and transferred funds to my husband. I was not given proper explanation or opportunity to resolve the issue. I am currently locked out of my account and unable to access my funds. The bank informed me that they will send a check by mail, but I have concerns about delays and lack of access to my money. I request confirmation of the amount being returned, the timeline for delivery, and assurance that my funds will be made available without unnecessary delay. I also request clarification on the reason for account closure.

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 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was shopping at XXXX XXXX on XX/XX/year> ( I paid {$16.00} ) and was told I would receive a store discount by signing up. I was not clearly informed that I was applying for a credit card. I provided my Social Security number believing it was only for the discount offer. I did not knowingly consent to opening a credit card account. My name was also misspelled on the application, which raises concerns about the accuracy and validity of the account opening process. I later contacted the company to report this issue, but they denied my claim and stated it was not fraud. I am requesting closure of the account, removal of any negative credit reporting, and a full review of how this account was opened.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to formally document my experience regarding my account. In XXXX, when my payment became due, I made a payment and contacted Ally to explain that I was having issues with the payment process. During that time, I asked if they could adjust or move my payment date, but I was repeatedly told that this was not possible and that I needed to bring the account current. I also attempted to set up a payment arrangement, but the representative informed me that my account was not past due, so no arrangement could be made. All of these efforts occurred prior to XX/XX/year>, when my account was reported. I made multiple attempts to resolve this issue before it was reported. However, each time I contacted customer service, there were no records of my previous calls. When I requested to speak with a supervisor, I was consistently told that none were available. This lack of continuity and escalation made it extremely difficult to resolve the matter. As a result of this situation, my credit score dropped by XXXX points, and my co-borrowers score dropped by XXXX points. This has caused significant and unnecessary harm, especially considering my repeated efforts to address the issue beforehand. Even today, after making a payment, I contacted customer service and was incorrectly told that I still owed a payment, despite my account showing a zero balance in the app. The explanation given was that their internal system does not match what is shown to customers, which is both confusing and unacceptable. Overall, my experience with customer service has been extremely frustrating. There has been a clear lack of communication, accountability, and empathy throughout this process. I made every effort to resolve this issue before it escalated, and I am requesting that this matter be reviewed and corrected accordingly.

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 2026-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CT

Complaint narrative:
I opened an online savings account at etrade.com on XX/XX/year>, and made deposits of {$50000.00} in the following days. Days after I deposited the money, they informed me they put my account under restriction due to some unusual activities. Since then, I have contacted them almost every week to resolve the issue. I provided them all the legal documents they requested and made follow up calls. After more than 2 months, they still put my account under restriction and I cant access my funds. They keep saying XXXX XXXX, from which bank I sent the deposit should recall the funds. But XXXX told me since the money got transferred without any issues, they shouldnt make the recall. Please help me resolve this issue asap since it affects my daily life already. Thanks for your time and support. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I entered into a month-to-month service agreement with XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/year>, at a monthly rate of approximately {$180.00}. On XX/XX/year>, XXXX confirmed in writing that my agreement would terminate effective XX/XX/year>. During the active period of the agreement, I made payments, including {$430.00} on XX/XX/year> and {$180.00} on XX/XX/year>. Despite the confirmed termination date, XXXX continued to apply charges for XXXX, XXXX, and XX/XX/year>. These charges are not valid because the agreement had already ended. The billing records provided by XXXX are inconsistent and include amounts that do not match the agreed monthly rate. For example, invoices such as {$610.00} and other irregular charges were added without clear explanation. Without providing a clear and accurate breakdown of the balance, XXXX referred the account to a third-party collection agency. I was not given proper notice or a fair opportunity to resolve the issue before it was sent to collections. I contacted the collection agency multiple times and explained that the charges were incorrect and that I had already made payments. However, I did not receive a meaningful response or proper validation of the alleged debt. This situation appears to involve improper billing, failure to honor a confirmed termination date, and premature referral to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have a chime account I have been a member since XXXX. They sent an email saying that they are closing my account. I asked why and asked to show me proof I violated their terms and conditions because I have proof of every transaction that I ever made and anyone I ever sent anything to and they refused to provide any information or accept the proof and they hung up on me multiple times and refuse to get me to a supervisor or provide any proof on the recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I received a bill in the mail from XXXX on XX/XX/XXXX for a charge at XXXX just XXXX {$1000.00} dollars on XX/XX/XXXX. I immediately contacted the bank & alerted them this was fraud. They were able to cancel the account and put an investigation into place. I then contacted the credit bureaus and put a freeze on my credit. I noticed my score was dropping exponentially and it hasnt improved due to this situation. I would like to try to resolve it and see my score jump back to where it was, as it was very good.

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 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Help Financial, LLC
State: IN

Complaint narrative:
First Financial Help is hurting my credit score since XXXX without contact me, with an amount of {$360.00} they have in their records from my loan opened in XXXX. I used the previous vehicle to give as a down payment for my existing car. So, I had to pay off the loan to be able to get the title and close my loan. Even after paying they are still with my name on debt and the account is closed. This is hurting my credit, and I want a solution for this mistake with my credit score cleaned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been receiving repeated emails from LVNV Funding LLC/XXXX XXXX, approximately 2 emails per day, for the past 4-5 consecutive days. This contact began/increased immediately after I filed an active credit dispute with XXXX regarding this account. The repeated electronic communications feel harassing in nature, especially during an active dispute period. The emails are pressuring me to log into their payment portal and make payments while my dispute is still being investigated. I am requesting that all collection activity cease during the dispute period and that the frequency of electronic communications be reduced Email dates : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 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: FL

Complaint narrative:
Ive documented and taken screenshots of all correspondences. They are consistently the same generic replys.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I closed my US Bank account because they said they couldnt verify my identity. They are now sending me notices saying my account is overdrawn by {$5.00}.

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 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC
State: TX

Complaint narrative:
They called my ex husband. DRB LLC or XXXX XXXX XXXX XXXX. This company a 3rd party debt company called my ex husband and mother in law disclosed my information and that I owed XXXX dollars. I do Not appreciate this whatsoever especially because this loan was from before I even Got married

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate debt that has been improperly reported and should not exist. On or around XX/XX/year>, I was involved in a serious motor vehicle accident. This incident resulted in medical treatment and the total loss of my vehicle, which significantly impacted my ability to maintain normal daily activities. Following this event, I went in person to XXXX XXXX in XXXX XXXX, FL and requested the cancellation of my membership. I explained my situation directly to staff, and I was under the understanding that my membership had been properly canceled. However, the gym failed to process my cancellation and continued charging me without authorization. The account was later sent to collections through Aldous & Associates. I have made prior attempts to resolve this issue, but the matter was not properly investigated. Additionally, the collection agency has failed to provide proper validation of this debt. I am attaching documentation confirming the accident, medical attention, and total loss of my vehicle as supporting evidence. This debt is inaccurate, was not properly validated, and should not be reported. I am requesting the immediate deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am disputing a {$3500.00} collection from Sequium Asset XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a tenancy at XXXX XXXX that ended in XXXX. This is an invalid " zombie debt '' being reported three years after move-out without proper statutory notice. Violation of Florida Statute 83.49 ( 3 ) : The landlord failed to provide a notice of intent to claim damages via Certified Mail within the mandatory 30-day window following our XXXX move-out. By law, they have forfeited the right to claim any damages. Waiting three years to suddenly report this to my credit without prior contact is predatory. Illegal Betterment ( Florida Statute 83.51 ) : The balance includes a {$2300.00} charge for " new floors. '' We resided in the unit for three years. Per HUD guidelines, rental flooring has a 5-year useful life. Charging a tenant for full replacement cost after a multi-year tenancy constitutes " XXXX '' an illegal attempt to force the tenant to pay for a property upgrade that falls under normal wear and tear. Accurate Reporting : This event is being reported with a XXXX date for a XXXX vacancy, which is an attempt to re-age old debt to negatively impact my credit score during a vehicle lease application. I request the immediate deletion of this legally unsubstantiated and inaccurately reported trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I obtained a home improvement loan through XXXX with a deferred interest promotional period ( 0 % if paid in full within a specified timeframe ). During the promotional period, I made a large payment of approximately {$38000.00} with the clear intent to fully pay off the balance before the deadline. However, due to how the payment was applied and/or timing of transactions, a small residual balance of approximately {$250.00} remained, which I was not aware of at the time. Because the balance was not technically paid in full, I have now been charged approximately {$6000.00} in deferred interest. This outcome is disproportionate to the remaining balance and does not reflect my good-faith effort to satisfy the loan within the promotional period. Additionally, I made multiple attempts to contact customer service to resolve this issue, but my calls were repeatedly disconnected, preventing me from addressing the problem in a timely manner. I am attaching my payment history, account statements, and call records to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding an unresolved issue with Citibank involving missing funds following the closure of my account. At the time my account was closed, the balance was approximately {$53000.00}. Citibank returned {$42000.00} to me, leaving approximately {$10000.00} unaccounted for. The bank stated that the account was flagged for suspected fraud. I fully cooperated with all of Citibanks requests during their review. This included appearing in person at a branch and bringing in individuals to verify their identities, as instructed. I complied in good faith with the expectation that the matter would be resolved and that all remaining funds would either be returned to me or properly accounted for. However, more than one year has passed, and Citibank has failed to provide any clear or complete explanation regarding the disposition of the remaining {$10000.00}. I have not received documentation showing whether these funds were returned to original depositors, reversed, or are still being held. This situation is particularly concerning because some of the funds were associated with tax-related transactions involving my clients. If any portion of the funds was returned to third parties, I have not been provided with any details identifying who received the funds, the amounts, or the dates of such transactions. I have made multiple attempts to resolve this issue directly with Citibank, including requesting escalation and written documentation, but I have not received a meaningful response. I am requesting that Citibank be required to : 1. Provide a full and itemized accounting of all funds in my account prior to closure and their final disposition 2. Clearly explain the legal and factual basis for withholding or transferring any portion of the funds 3. Identify any third parties who received funds, including dates and amounts 4. Return any funds that are rightfully mine This matter has caused significant financial harm and has remained unresolved for an unreasonable period of time. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and assist in obtaining a prompt resolution.

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 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I had an account show up in my collections tab on my XXXX XXXX credit report when I looked into it further I saw that it was from XXXX XXXX for an amount of over {$600.00}. Ive never had an account with XXXX XXXX. Ive submitted a dispute to XXXX XXXX and Ive tried to contact XXXX XXXX, but they wont tell me anything. The dispute is still ongoing with XXXX XXXX, but they told me to also file a claim with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I made a purchase of a fridge with my Citi XXXX card ending in XXXX. The item comes with a 2 year warranty and was recently not functioning. The Citi premier card at the time of purchase comes with an extended warranty benefit. I tried to call citi to file a claim, and citi redirected me to the insurance company. The insurance company was not able to locate my card/account information because the card number changed to XXXX and product was changed from Citi XXXX to Double Cash. Double Cash at the time of purchase did not have extended warrranty benefit and they can not file a claim. They had requested Citi to manually handle the claim but since then has been no update from Citi and no claim can be filed as of yet. Benefits eligibility should be determined based on the card used at the time of purchase, not the current card product after conversion. The Citi Double Cash Cards lack of extended warranty benefits is irrelevant to this claim, as it was not the card used for the purchase. Due to this system limitation, I am currently unable to file a claim through the normal process. I am requesting that Citi : Confirm that my XX/XX/year> purchase is eligible for Extended Warranty coverage under the Citi XXXX Card benefits in effect at that time ; and Either manually process the claim or provide the benefits administrator with the correct historical account information so the claim can be filed.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRSTBANK
State: TN

Complaint narrative:
I am writing to file a formal complaint regarding the closure of my bank account without adequate notice. I have maintained this account for many years and have consistently used it to receive direct deposits, including child support payments and tax refunds. Due to recent changes in fee policies, my account has been charged a $ 12 monthly fee if deposit requirements are not met. These fees have repeatedly reduced my balance and, in XXXX, caused my account to become overdrawn by approximately {$8.00}. The account became negative on or around XX/XX/XXXX due to this fee. Less than two weeks later, on XX/XX/XXXX, I was unexpectedly unable to access my account. After contacting customer service, I was informed that my account had been closed due to the overdraft status. I did not receive any prior notice, warning, or opportunity to resolve the negative balance before the account was closed. This is especially concerning given that the overdraft was caused by bank-imposed fees targeting the less fortunate rather than discretionary spending. The sudden closure has created serious hardship, as I rely on this account to receive essential funds for supporting my child. Without access or prior notice, I have been left at risk of delayed or lost deposits. I am requesting : A clear explanation of why my account was closed without notice. Information on any funds that may be sent to the closed account. Assistance in recovering or redirecting any incoming deposits. A review of the fees and closure process applied in my case. I believe this situation reflects unfair treatment and a lack of reasonable consumer protections

Company response to consumer: Closed with explanation