vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a credit card from " Best Buy as " I was paying the card off " Best Buy who sent me the '' Best Buy Card switched my " Best Buy card number as I was paying the card off they changed my card number so I couldn't make payments then ' Citi Bank ' I thought started sending me payments when I went to visit the " Citi Bank they the Citi Banks agents told me that they have nothing to do with " Best Buy so " I went to other " Citi Banks which repeated the same answer that they had nothing to do with " Citi Bank this was in " XXXX as well as in " XXXX XXXXXXXX both banks stated that they had nothing to do with " Best Buy on XXXX XXXX XXXX XXXXXXXX the same thing happened when I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated to me that I should open an account at XXXX XXXX XXXX XXXX back in XXXX XXXX XXXX in which " I did open as account at the XXXX XXXX XXXX XXXX to get an apartment later ' I found out that " I was being scammed by the XXXX XXXX XXXX XXXX XXXX and her overseer also a XXXX XXXX of the XXXX XXXX XXXX XXXX certain police of the XXXX XXXX as well as the XXXX Police XXXX were involved in the scams XXXX of the XXXX higher ranking police had to step down for the XXXX XXXX XXXX for mis use of power who I filed on many times case numbers ' 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 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am writing to formally dispute and request investigation into the lapse of my homeowners insurance and the subsequent placement of forced-placed insurance on my property. My homeowners insurance police with XXXX XXXX was canceled effective XX/XX/XXXX, for underwriting reasons. This policy was escrowed through my mortgage account, and I relied on Freedom Mortgage to manage and, maintain continuous coverage. I was not notified of the cancellation at or around the time it occurred. I only became aware of this issue after being contacted via email and asked to provide proof of insurance, well after the policy had already been canceled. Despite this, force-placed insurance was not added until XX/XX/XXXX, creating a gap during which my property may have been uninsured. Additionally, I did not receive any advance warning or opportunity to look for a replacement insurance carrier, prior to the placement of force-placed coverage. My insurance is escrowed. Any failure to property manage payments, monitor cancellation notices, or provide timely communication may constitute a violation of Federal mortgage servicing obligations. I have reached out to Freedom Mortgage via message on the following dates to no avail : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Based on my Escrow Account Disclosure Statement homeowners insurance were paid on : XXXX XXXX in the amount of {$3400.00} XXXX XXXX in the amount of {$3300.00} Freedom Mortgage sent me the first notice on XX/XX/XXXX, regarding the matter. I obtain a new homeowners insurance on XX/XX/XXXX, as soon as I was informed.

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 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dears, couple days ago I was searching info about my credit score and suddenly noticed that someone has used my information and opened XXXX Capital One credit cards without my knowledge. I am kindly asking you to remove that accounts from my report as they are fraudulent, I ams ending you my XXXX XXXX report as well. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/XXXX a deposit using a XXXX XXXX for PayPal. The original date was set for XX/XX/XXXX and would be available in as early as XXXX. After receiving an email that the cheque had bounced I was delayed until XX/XX/XXXX. I was told it would only be processed a second time if it bounced again it would fall off my account. I tried using the XXXX voucher given and it's not working either. The merchant confirmed his bank processed the money and PayPal still has it pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Account Number XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : XXXX XXXX Bank of America Failed to Refund Unauthorized Transaction on Replacement Card Under Bank Control I am filing this complaint for the third time due to Bank of Americas continued failure to resolve a serious unauthorized transaction and its disregard of critical evidence. The unresolved transaction involves a {$160.00} purchase at XXXX XXXX on XX/XX/year>, using a replacement card ending in XXXX in XXXXXXXX XXXX. At the time of this transaction, the replacement card was still in the banks possession. I had not received, activated, or used the card in any capacity. This raises a serious issue : the transaction occurred before the card was delivered to me. Bank of America has failed to explain how this was possible. Despite multiple fraud reports, the bank has failed to properly investigate this transaction, determine whether the card was compromised prior to delivery, address potential internal security failures, or reimburse the unauthorized charge. Notably, prior responses omitted this transaction entirely, despite it being clearly identified. Given that this occurred after earlier fraud reports and amid ongoing account security concerns, the lack of investigation raises serious compliance issues. I request that the CFPB require Bank of America to : Fully investigate the XX/XX/year> transaction Provide documentation of the investigation Explain how the transaction occurred prior to card delivery and activation Reimburse the {$160.00} charge Review potential security or procedural failures

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX, after several attempts to communicate with Alliant Capital Management to resolve a debt one of their managers made comments related to my employment history and current position in state government. We have been communicating about a debt I have been trying to resolve that was previously enrolled in a debt management program through XXXX XXXX. Alliant Capital Management Agreed to a settlement of approximately {$17000.00} on a {$50000.00} debt however, I did not agree to the settlement amount. XXXX XXXX agreed to the debt settlement without my approval and paid Alliant Capital Management {$2500.00}. In addition XXXX went with also took over {$3000.00} from me out of an escrow account intended to be used towards the settlement that I did not approve. At that point, I withdrew from the program and they refused to provide any funds back. At this point, I had reached out to Alliant Capital Management myself to try to resolve the debt of which they refused to agree to the original settlement a stayed I owed the full amount of {$50000.00} less the {$2500.00} already received. During communication with one of the managers, XXXX XXXX, I explained to her I could not afford a certain payment amount, nor the full debt that was originally owed at which point, she referenced my employment history being public record. I previously communicated with XXXX XXXX of XXXX XXXX XXXX, whom reports to XXXX XXXX, to not communicate with me regarding my employment. I believe that XXXX XXXX was using a threatening tactic to scare me into paying XXXX XXXX XXXX. I would like to settle the debt at a reasonable amount and payment as the original debtor refused to help me before it went into collections. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: KS

Complaint narrative:
I received an email about a credit card application through Citibank , N.A . that I did not authorize ; XXXX, XXXX. Thanks for your interest in opening a Citi XXXX XXXX account. We're reviewing the application you submitted on XX/XX/2026 and will get back to you within XXXX days. For the most up-to-date information on your application, you can check the status online at any time. All you'll need is your Application ID ( XXXX ). When I called the Citi hotline I was unable to reach someone who could close or cancel the application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
On XX/XX/year> an individual fraudulently accessed our XXXX XXXX XXXXXXXX Savings account and transferred {$500.00} to a Wise account in my name ( XXXX XXXX XXXX. We discovered the activity on XX/XX/XXXX and contacted Wise both by email and telephone to alert them that the account that was opened was fraudulent and that the deposited funds should be transferred back to our savings account. The complaint number for our conversations with Wise was XXXX. Eventually the funds were transferred from Wise back to our XXXX XXXX XXXX Savings account. However, now they are insistent that we owe them {$0.00} which we believe is the fee for opening the account and which was transferred by them back to us when they agreed with the fraudulent details surrounding the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marauder Corporation
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally complain about the recent closure of my Citi credit card account, opened in XXXX. My account was closed due to a returned payment. As soon as I became aware of the returned payment, I corrected the issue and made the full payment from the correct bank account. I also received a letter from Citi confirming the closure. I have never had any late payments on this account and have no derogatory marks on my credit. My account currently has a remaining balance that I am actively paying off. Closing my account threatens to harm my credit and disrupt my ability to manage this balance. I have acted promptly to resolve the payment error and have documentation of the corrected payment and the closure notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am filing a formal complaint regarding the severe delay and hardship caused by the failure to deliver my Money Network card and provide timely access to my funds. My original Money Network card was issued by the XXXX XXXXXXXX XXXX Department on XX/XX/year>, but I never received it. After waiting approximately XXXX days without delivery or access to my funds, I contacted Money Network multiple times regarding the missing card. Because the original card still had not arrived, I requested a replacement card on Wednesday, XX/XX/year>. During this entire period, I have been unable to properly access funds that I depend on for daily living expenses. This situation has caused significant financial, emotional, and personal hardship for both myself and my young child, who is over XXXX XXXX XXXX and depends on me entirely for care and daily needs. The inability to access my funds has affected transportation, gas, essential household expenses, and my ability to maintain stability for my child during this delay. As a direct result of this prolonged delay, I also came close to eviction because I was unable to access money needed for my obligations on time. This has created extreme stress and instability for my household. No parent should have to face the possibility of losing housing because they can not access approved funds due to card delivery failures and lack of timely resolution. I have made repeated and continuous attempts to resolve this matter by calling Money Network back to back regarding the missing original card and the replacement card request. I have repeatedly sought updates, explanations, and assistance concerning access to my approved funds, yet I continue to experience delays, uncertainty, and lack of clear resolution. I believe it is unacceptable for a person to be left without access to approved funds for such an extended period of time, especially when a childs well-being and housing stability are affected. I am requesting : XXXX. Immediate investigation into the status of my original and replacement cards. XXXX. Confirmation that no unauthorized person has activated or used the missing card. XXXX. Immediate access to my funds. XXXX. A clear explanation for the delay and failure in delivery. XXXX. Documentation of all actions taken on my account. I am preserving records of communication, timelines, and the financial impact this situation has caused, and I am prepared to escalate this matter further if necessary. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I previously had an XXXXXXXX XXXX credit card provided by Comenity Bank. I used the card for years with no late payments or other issues. In late 2025, Comenity Bank switched my statements from paper to electronic without my consent. This caused me to miss two months of statements before discovering the emails in my junk folder ( after they called me to inquire about the balance ). I immediately called in to pay the balance, minus the interest and late payment fees and contested those fees explaining that this would not have happened if they wouldn't have switched things without my consent. I also pointed out my many years of perfect payments and but they refused to waive the fees. I closed the account at that very moment and told them I will not pay their fees. They now call me daily from a variety of numbers and harass me about the balance which they claim they've added interest to. I've told them they should take me to court if they feel so strongly that they are in the right. I'd like the harassing calls and emails to stop. A quick search of Comenity Bank reviews online shows what sort of organization that they are. Shame on XXXXXXXX XXXX for partnering with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Law 15usc 1692c clearly states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a dept collector may not communicate with a consumer in connection with the collection of any dept. if a consumer notifies a debt collector that the consumer refuses to pay a debt that the dept collector must cease all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from a attorney Consuegra and Duffy saying the representative company by the name of XXXX XXXX XXXX XXXX saying that the company XXXX XXXX XXXX XXXX had bought a debt that I owed to a XXXX receivables and I had 30 days to dispute it which I did on the attorneys website. I never got any response. I tried calling them several times they hung up on me three times. I am not the only one if you go on XXXX you will see consuegra and Duffy in XXXX Florida under there lowest reviews several people have waited on the phone and get hung up on nevertheless after not receiving any response from them sure enough I went on the county website and they filed a lawsuit against me. They did not give me any verification that I had asked for you will see an emails that I provide to you between me and a representative of the law firm. They acknowledge that they have not verified the debt as of XX/XX/XXXX. This is more than the 30 days they are required to it has caused me a lot of mental distress knowing this. Its like they forced a lawsuit because they know they dont have any verification that they need to provide me the consumer. I have filed a motion to dismiss the suit and have a court hearing XX/XX/year> this law firm purposely avoided me thinking I was not going to take action as a consumer. Theyve done it to several other people like I said earlier go look at the XXXX reviews and the lowest reviews youll be on the phone waiting only to get hung up after youre trying to get information that they are required to give you by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried to open an account with Chase bank. Every time Ive opened an account they have been closed without notice or explanation. I have never had any issues involving fraud, account misuse or any issues with Chase Bank. I wish to have a checking and savings account with Chase. The branch managers at XXXX different locations dont understand what is going on. I have not received any responses from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never opened the account I never received a discover card never purchased anything they said they did the dispute and came back they did not find in the paper made that I did make them charges and I will be held responsible and consequences will be made and I have to pay them {$1600.00} how can I do that when I never received the card XXXX had the credit card number expiration date or XXXX and the address they have on file I never had the address before

Company response to consumer: Closed with explanation