vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Simmons Banks refusal to honor a promotional bonus despite my meeting the published eligibility criteria. 

The promotions written terms state that eligible customers must be U.S. residents ( including U.S. citizens and resident aliens ) with a valid U.S. Taxpayer Identification Number, and that only non-resident aliens are ineligible.

I am a resident alien and a U.S. taxpayer with a valid Social Security Number. Based on the written eligibility language, I meet the stated criteria.

Before opening the account, I sought clarification and was advised that while non-U.S. citizens can not open accounts online, a resident alien could open an account in-branch and remain eligible for the promotional bonus. Relying on this information and the published terms, I opened a new account in-branch on XX/XX/year>. 

On XX/XX/year>, I was informed by the branch manager that I am not eligible for the promotional bonus because I am not a U.S. citizen or permanent resident ( green card holder ). However, the published eligibility terms do not state that permanent resident status is required. The written terms explicitly include resident aliens and exclude only non-resident aliens.

Additionally, during account opening, I was required to sign IRS Form W-8BEN. I informed the branch that this form does not apply to me because I am a U.S. taxpayer with an SSN. Despite this, I was told I must sign it. This raises concern about whether my tax residency status was properly classified.

I have attempted to resolve this matter directly with the bank, including escalation to management, but have not received a resolution consistent with the published promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FinCo Services Inc DBA Current
State: IA

Complaint narrative:
Deposited an emergency 401k check needed to fix my heater for the 19 degree weather. Current has now held my funds for 4 full days and continues to tell me that its pending despite XXXX XXXX confirming that they have already recieved the funds from them. Federal law states thay money services and banks must make at least XXXX dollars available from a local check by the next business day. Current continues to ignore federal finance laws and lie to me as a customer while holding the funds they have already recieved from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In approximately XX/XX/XXXX, I opened a managed investment account with XXXX XXXX  and was assigned financial advisor XXXX XXXX. My initial investment was approximately {$20000.00}. I expected the bank would invest this money. 

In XXXX, when reviewing 1099-DIV, my now-husband realized I had received no dividend interest in the prior two years. Upon further investigation, we discovered my deposit was never invested by the bank. The market grew significantly between XX/XX/XXXX and XX/XX/XXXX. The bank 's failure to invest resulted in a substantial loss of potential growth. 

After this discovery, we immediately called XXXX XXXX and scheduled an appointment in XX/XX/XXXX with financial advisor XXXX XXXX, who had unbeknownst to us replaced XXXX as my advisor. XXXX had never contacted us about the account. I explained to XXXX my financial goals and he recommended opening a XXXX XXXX  Preferred Deposit account. XXXX explained to me and my now-husband the Preferred Deposit would lock in a high interest rate, allowing me to earn high interest without exposure to market risk. I opened the account on his advice with a {$100000.00} deposit. 

In XX/XX/XXXX, I received a call from XXXX XXXX, who had since replaced XXXX as my financial advisor. XXXXXXXX informed me the interest rate of my Preferred Deposit had dropped to approximately 2.8 %. Shocked, my husband and I informed him of our XXXX conversation with XXXX, who told us we were locking in a high rate by opening the Preferred Deposit account. XXXX informed us this was inaccurate and the interest rate is not locked. 

I am frustrated. I am not a savvy investor, which is why I chose to work with a certified financial advisor at a reputable bank. I feel I have been misled and cheated out of potentially substantial value growth. XXXX XXXX and my advisors have a fiduciary responsibility to act in my best financial interest, but two advisors in a row have failed to provide sound financial advice and have instead created financial harm. 

The XXXX XXXX XXXX XXXXXXXX grew over 32 % between XX/XX/XXXX and XXXX. My {$20000.00} investment would have grown to over {$26000.00} had XXXX XXXX invested my deposit. 

In XXXX, XXXX XXXX advised me I was locking in an interest rate of over 4 %. If this advice had been accurate, my {$100000.00} deposit should have grown {$4000.00} in XXXX. 

This is a theoretical loss of up to {$10000.00} due to financial mismanagement and misleading 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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Subject : Formal Complaint Regarding Unjustified Credit Denial XXXX XXXX On XX/XX/year>, I applied for the Citibank AAdvantage Credit Card and was subsequently denied. I am filing this complaint because Citibanks denial appears to be arbitrary and inconsistent with my credit profile. 

Key Facts : Credit Score : XXXX ( XXXX  ) at the time of application. 

History : 25 years of perfect payment history with zero delinquencies. 

Financial Standing : My income is {$450000.00} and my debt-to-income ratio is less than 3 % on revolving credit. 

Despite having the highest possible credit rating, Citibank has failed to provide a substantive or logical reason for this denial. I have attempted to resolve this through their reconsideration line ( XXXX ) on XX/XX/year> with supervisor ( XXXX XXXX, but was met with automated and non automated responses that did not address my specific qualifications.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I just spoke with a representative who was no help. I no longer use Cash App anymore. I was given money by a friend today but there is a lingering {$3.00} balance. I dont know who gave me that money and I dont have the ability to refund it. I just want to close my account since now my first and last name is there on display. I was a streamer where my name could be anonymous when I was gifted. This puts my privacy and security at risk. I explained this to the rep who obviously isnt from this country and was no help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX I requested and received a notice of pay off for My XXXX XXXX for a payoff date of XX/XX/XXXX {$3500.00}. At the time I contacted them and requested if they would apply the Escrow balance to the loan and if I could just do a bank transfer because it was the same bank. I was advised they could not apply the escrow balance to the payoff but that I could to the transfer from my checking to my mortgage. We made the final payment including the fees for the full payoff listed on the morning of XX/XX/XXXX for {$3500.00} which included the remaining principal amount of XXXX {$450.00}, interest for XXXX of {$3.00} and a recording and assignment fee of {$80.00}. In the transfer we listed in the comment that is was our payoff The payment was recognized as being received on XX/XX/XXXX and when I contacted them on XX/XX/XXXX because my mortgage was showing a balance of {$330.00} they said because the payoff was not wired that I was out of luck. I escalated to the management team who then said they would have an account resolution specialist contact me in 24 hours I didn't get a response until today via email and in it they said that unless I could prove that I was told that they could not do anything for me. I then went further and advised that this was an additional payment and that my instructions were to apply the full payment towards principle and they have not responded to my request and I am a week past the payoff date and accuring additional interest even though my payment exceed the total remaining principal. Additionaly the transfer transaction is an " On Us '' transaction for Mountain America and they have the ability to verify the funds. Their actions are resulting in their ability to accrue additional interst and dishonering my direct instruction on how to apply the additonal payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have two loan products with Citi XXXX XXXX  ( account number ending in XXXX ) ; One based on a balance transfer offer at 0.99 % until XX/XX/XXXX and two a Cash Loan called XXXX  XXXX. After XX/XX/XXXX the balance transfer loan rate increases to somewhere in the XXXX % range for the unpaid balance. On XX/XX/XXXX the balance of that loan was {$3000.00}. I reached out to Citi to determine how to pay out " just '' that loan balance. I was given instructions which I followed. I have subsequently found that that payment of {$3000.00} was not posted to the Balance Transfer account and was posted to the XXXX XXXX account. Today, I called and spoke to three different agents of Citi, who explained that they are required by law to post payments against the highest interest rate account first. There solution to resolve the mis-posting of my payment is to wait to XX/XX/XXXX at which time any payments will post to the Balance Transfer account because it has the higher interest rate. They claim there is no way to post a payment to the account the consumer desires. As a former banker for over 40+ year, I find this to be unconscionable. I see this as a specific attempt to defraud and over charge me the consumer. While the personal financial impact is minimal ( < {$15.00} ), the combined consumer impact will be substantial and a significant financial bonus to Citi.

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 2026-02-20 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: RC Willey
State: UT

Complaint narrative:
I am submitting this complaint regarding a deferred-interest promotional financing plan offered in connection with a purchase from RC Willey and serviced by their own in-house financing servicer. In XXXX of XXXX, I purchased a washer, dryer, refrigerator, and freezer using an 18-month interest-free if paid in full promotional plan. At the time of purchase, I paid approximately {$3000.00} in cash, with approximately {$5600.00} financed under the promotion. I made every required payment on time for the full 18-month promotional period and never missed or was late on a payment. 

Unbeknownst to me, the payment structure left a remaining balance of approximately {$500.00} at the end of the promotional period. Because that small balance remained, nearly {$1000.00} in retroactive interest was immediately added to my account. 
While RC Willey has stated that the deferred-interest language appeared on statements, it was not presented in a clear or conspicuous manner, did not prominently disclose the specific payoff amount required to avoid deferred interest, and did not provide a meaningful final warning that failure to pay a relatively small remaining balance would trigger such a significant charge. This promotional plan appears to have been structured to leave consumers just short of paying the full principal, despite making all required payments, thereby increasing the likelihood that deferred interest would be charged. From a consumer perspective, this is extremely deceptive. Further, RC Willey has no means to allow for automatic payments as nearly all financial institutions provide. Further ensuring that many of their customers will miss a payment and they in turn will be allowed to charge an interest fee for a missed payment. A customer who pays thousands upfront, makes all scheduled payments, and acts in good faith would reasonably believe they were satisfying the terms of an interest-free promotion. 

After contacting customer service, RC Willey agreed to remove only half of the retroactive interest as a courtesy adjustment, implicitly acknowledging that the disclosure and notice were insufficient. However, the remaining deferred interest charge remains disproportionate to the small balance left and inconsistent with fair consumer treatment. 
I am not disputing that deferred interest may have been referenced in the agreement. Rather, I am disputing the lack of clear, prominent disclosure and meaningful notice, and the deceptive structure of a payment plan that virtually ensures consumers unknowingly trigger retroactive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XX/XX/XXXX ] [ NCA XXXX [ P.O. XXXX XXXX ] [ XXXX, XXXX ] Subject : Formal Dispute of Unauthorized Credit Inquiries and Demand for Removal To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries listed on my consumer credit report maintained by your agency. Specifically, the following inquiry was made without my knowledge, authorization, or written consent : [ XXXX XXXX ] [ XX/XX/XXXX ] ACCOUNT NUMBER XXXX I did not authorize this inquiry, nor did I provide written or otherwise permissible consent for my credit report to be accessed by the above-referenced party. 

Please be advised that under 15 USC 1681b ( 2 ), a consumer reporting agency may furnish a credit report only when there is a permissible purpose authorized by the consumer or otherwise permitted by law. Any party obtaining my credit report without such permissible purpose may also be in violation of 15 USC 1681q, which prohibits obtaining consumer information under false pretenses. 

Additionally, under 15 USC 1681c-2, I am exercising my legal right to have any unauthorized or fraudulent information blocked and removed from my credit file. This includes any credit inquiries that can not be verified with documented permissible purpose and my written authorization. 

Therefore, I demand that you : XXXX. Conduct a reasonable investigation into the unauthorized inquiry listed above. 
XXXX. Provide documented proof of permissible purpose and written authorization for the inquiry. 
XXXX. Immediately remove and block any inquiry that can not be verified as authorized. 
XXXX. Send me written confirmation of the removal and an updated copy of my credit report reflecting these corrections. 

My identifying information is as follows : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Address : [ XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX ] Last XXXX Digits of XXXX : [ XXXX ] If you are unable to provide verifiable proof of permissible purpose, you are required under federal law to remove the unauthorized inquiry. Failure to comply with the Fair Credit Reporting Act may result in further action to enforce my rights. 

This letter serves as formal notice and request for compliance. I reserve all rights afforded to me under federal and state law. 

Please respond to this matter within the timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and do not owe. This alleged debt is unverified and does not belong to me. I was shocked to discover it, and since then I have experienced repeated collection attempts through multiple forms of communication, some of which have felt harassing and intimidating. As a law-abiding consumer, it is deeply frustrating and distressing to be associated with a debt that is not mine. This situation has caused significant emotional stress and sleepless nights, in addition to damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
Today XX/XX/2026 I woke up and my cash app card was closed. It said because something had went community standards. Also same time my daughters card was also done the same way. All her money is on her card and they told her that they couldn't talk to her just me even though she is XXXX and she has her own card and account. They were rude to her. I called for the XXXX time and I must have had the same lady because she was very rude and so was I because she wouldn't give me a chance to say anything. And then hung up on me and Everytime I try to go back on cash app and have them call back for some odd reason I get disconnected. Very unprofessional and I want my and my daughters accounts fixed asap. Really I would like to file a law suit against them for not talking to my daughter about her account and not giving us any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and do not owe. This alleged debt is unverified and does not belong to me. I was shocked to discover it, and since then I have experienced repeated collection attempts through multiple forms of communication, some of which have felt harassing and intimidating. As a law-abiding consumer, it is deeply frustrating and distressing to be associated with a debt that is not mine. This situation has caused significant emotional stress and sleepless nights, in addition to damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
They froze my account on XXXX 2027 and are telling me I have to wait 180 days to access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in. 
If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action.

Company response to consumer: Closed with explanation