vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This complaint involves an alleged debt related to a XXXX surety bond connected to a prior rental at XXXX XXXX XXXX XXXX Texas, XXXX ). XXXX is not a traditional security deposit, but a surety bond. Under the terms of the agreement, any claim must be supported by a valid signed lease agreement, proof of actual damages beyond normal wear and tear, and documentation showing that the resident is contractually obligated for the charges. I am formally disputing this debt because it has not been properly validated. I have requested full documentation, including a signed lease agreement, itemized proof of damages, invoices, and clarification of how the total amount of approximately {$3900.00} was calculated. However, this information has not been properly provided. The charges appear to include items such as utilities, pest control, trash fees, and administrative charges, which do not clearly qualify as damages under the bond agreement and may constitute normal operational or turnover costs, which are excluded. Additionally, I was not provided sufficient documentation at the time the account was being pursued, which prevented me from meaningfully disputing the claim before it was escalated. At one point, I entered into a payment arrangement through the companys online portal. This was done in good faith and under pressure, without having access to the full documentation. This does not constitute legal acknowledgment of the debt and does not waive my right to dispute its validity. I have attempted to resolve this matter directly with the company, but I have not received adequate validation or clear explanations supporting the amount being claimed. Furthermore, during my communications with the company, I experienced unprofessional and inappropriate treatment from a representative. The representative was rude and disrespectful. I understand that these calls are recorded and monitored, and I request that these interactions be reviewed. I also have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and this situation and the treatment I received have negatively impacted my health. Additionally, there is a clear inconsistency between the amounts being claimed. XXXX is attempting to collect {$2500.00} under a surety bond, while separate documents from the original property reflect a total move-out balance of approximately {$3900.00}. These conflicting amounts have not been properly explained or reconciled, and no documentation has been provided to justify how the {$2500.00} bond amount was determined or legally applied. Based on the lack of proper validation, the inclusion of questionable charges, and the failure to provide sufficient documentation, I believe the company is attempting to collect an incorrect amount and may be engaging in unfair or deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Gate US, Inc.
State: AZ

Complaint narrative:
Gate US closed my account on XX/XX/year> with a XXXX deadline to withdraw funds by XX/XX/year>. * Background : * I opened the Gate US account and completed full identity verification including government ID and selfie as requested. I also completed separate KYC verification + selfie through payment processor XXXX for orders XXXX and XXXX. Gate US received the crypto from XXXX on XX/XX/year>. * Issue : * Since XX/XX/year>, I have been unable to withdraw any funds despite being fully verified. XXXX XXXX canceled my withdrawals # XXXX and # XXXX without cause. On XX/XX/year> they closed my account with no reason given, imposed a XX/XX/XXXX deadline, and emailed claiming " issue resolved, funds returned. '' * Current status as of XX/XX/year> : * Balance shows {$220.00} but I can not Sell or Withdraw. When I attempted withdrawal XXXX minutes ago, status went to " Processing '' but no blockchain txid was provided and balance was deducted without funds being sent. Sell function remains disabled. Gate US is using fake " Processing '' status to prevent access while enforcing their deadline. XXXX confirmed crypto delivery to Gate US for XXXX XXXX Orders XXXX and 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 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am reporting an unauthorized debit transaction of {$240.00} that I reported to Chime on XX/XX/year>. I did not authorize this transaction, did not benefit from it, and I do not recognize the merchant. I followed the proper process and reported this immediately. Chime closed the claim stating no error occurred, but did not provide any actual evidence to support that conclusion. I specifically requested documentation showing how this transaction was authorized ( PIN, chip, or online ), along with transaction logs, merchant verification, and any device or IP data used in their investigation. That information was not provided. At this point, I am concerned that this was not a thorough or reasonable investigation. A conclusion without supporting documentation is not sufficient, especially in a case involving unauthorized activity. I am requesting a full reinvestigation and a human review of this claim. I also want all documentation used to reach this decision. If this transaction is being considered authorized, I expect clear proof of how that determination was made. I am also requesting reimbursement of the {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
I do not have the loan, but was applying for it. They have my tax information and connection to my bank to verify that I have rental income. In order to get the loan they are requiring me to send them the leases of my renters. I refused to do this as I have no right to divulge information that is confidential about someone other than myself. I thin it is not right for them to ask for this. They have my taxes and my bank information r which gives them the information that I have that income. Regardless with all the privacy protection we are supposed to have in this country, it seemed wrong for them to require this. I will not get a loan from them. I already have a mortgage loan from them so they know that i make my payments and my credit score is over XXXX. This complaint is not about my wanting a loan from them anymore but about their requiring something that is not appear to be legal as it is an infringement on people 's privacy without their consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AL

Complaint narrative:
I was purchasing gas. The pump declined my card twice even tho there was money on the card. Upon investigation I found that {$120.00} gold was put on the card just from me swiping it attempting to make a transaction. No gas was ever received as the pump wouldnt take my card. The store was unable to issue the money to me ( claiming it was strictly a Cash App transaction ). I didnt get the gas I needed and the remainder of my money which I needed immediately was inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I initially contacted the company believing I was addressing a current or valid debt. At no point during my communication with the company was I informed that the alleged debt was beyond the statute of limitations and therefore time-barred. I was also not informed that I had no legal obligation to pay the debt or that making a payment could potentially revive the debt in certain jurisdictions. Relying on the companys failure to disclose this critical information, I paid approximately {$2000.00} toward this alleged obligation. I now understand that this debt was over XXXX XXXX XXXX and should not have been collected in this manner without proper disclosure. The companys actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : - Misrepresentation of the legal status of a debt - Failure to disclose that the debt was time-barred - Engaging in deceptive and unfair collection practices Additionally, this conduct may violate state consumer protection laws, as I was misled into paying a debt I did not legally owe. Requested Resolution : I am requesting the following : 1. A full refund of the {$2000.00} paid toward this time-barred debt 2. Written verification of the original debt, including : - Original creditor - Date of first delinquency - Complete payment history 3. Confirmation that the account will not be reported or re-reported to any credit bureau 4. Documentation showing compliance with all applicable disclosure requirements regarding time-barred debt I also request that this matter be investigated for potential violations of federal and state consumer protection laws. I expect a prompt response and resolution. Sincerely, XXXX 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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My husband and I were getting married XX/XX/XXXX. On XX/XX/XXXX I deposited a check from my husband for {$3500.00} so I could pay the caterer. This was church wedding, we legally married XX/XX/XXXX. So my husband 's check has same last name and same address. His credit score is like XXXX and he has not bounced or over drawn a check for XXXX years. TD Bank indicates they had reason to believe check would not be honored. The money was removed from my husband 's account XX/XX/XXXX. TD Bank has not responded to my request regarding what information they could possibly have that the check would not be honored. I am sure since there is none. I have a friend TD Bank did the same thing. Congress I thought passed laws to prevent banks from abusing customers with unreasonable holding periods! Is what they did legal and do they not have to tell me why they make arbitrary decisions to hold a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing this complaint against a debt collector for failure to validate a debt. On XX/XX/2026, I sent a debt validation request via certified mail regarding an account they are reporting on my credit file. The collector received the letter ( proof of delivery available ), but it has now been over 30 days and I have not received any response or validation. Despite this, the account continues to be reported on my credit reports with XXXX, XXXX, and XXXX. This is a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as the collector has failed to validate the debt and continues collection activity by reporting it. I am requesting : * Immediate deletion of this account from all credit reporting agencies * Cease all collection activity * Written confirmation of deletion I have documentation of my certified mail request and lack of response and am prepared to escalate this matter further if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to cash a check at the location in XXXX XXXX XXXX in XXXX. I have been there before and was helped just fine without any issues. A couple of weeks ago I went to another location in XXXX XXXX and I was denied service. This time in XXXX I was being profiled due to my check. I am XXXX and cashing a & XXXX check. I've cashed my checks in this location before with no issues. Same situation in XXXX XXXX XXXX people refuse to tell me why they wouldn't cash my check. I need some justice from the Bank Of America because this isn't right.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Central Portfolio Control Debt collection XXXX- XXXX XXXX needs to stop calling and texting me on a matter I they don't have a legal binding agreement with me or an account. Please have all communications cease immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BLINCLOANS, INC.
State: CA

Complaint narrative:
I have been making payments thru payroll deduction. I found that Oneblinc had closed the loan and sold it to another company. I was unaware and payments were still being made Bo-weekly for over a year. I have tried contacting Oneblinc for months without response. I am looking for reimbursement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A bill payment of {$660.00} was supposed to be pulled from my account on XX/XX/XXXX but there was not enough money in my account, so I used a different form of payment to pay the {$660.00}. Then on XX/XX/XXXX when I go login to my Truist account I see that they authorized a payment of {$660.00} to the same company when at the time my account only had {$400.00}. Based on the account type I have with Truist my account is never supposed to overdraft so that {$660.00} should not have been allowed to be processed on my account. Now my account is negative {$260.00} and Im without any money because Ive since paid my bills twice. However, I reached out to the company I paid and they informed me I had to take it up with my financial institution, which I did and Truist denied my dispute stating I need to reschedule out to the merchant because Ive done business with them in the past. Me doing business with them shouldnt matter because I showed proof that they were paid already. Ive asked them to help out provide me my money back they will not allow me to do so.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX, I ordered a XXXX XXXX. My cc was charged the day I ordered it. After many emails from the company, XXXX, apologizing for the shipping delay, it was supposedly shipped on XX/XX/XXXX. I received it XX/XX/XXXX. After using the product ( XXXX XXXX ) i realized it hurt my neck and sent 2 emails to the company, last one was XX/XX/XXXX, asking to return it since their return window was 90 days. No response. I contacted my credit card company and wanted to dispute the XXXX charge. That was XX/XX/XXXX. Citi bank contacted them on XX/XX/XXXX. XXXX didnt respond until XX/XX/XXXX. They stated I didnt follow the instructions to return. Dispute was denied. Now the 90 day window has passed no fault of mine. I sent citi bank the info they requested and they still denied the dispute. I think Citibank had their mind made up because the paperwork they requested from me had to be received by them by XX/XX/XXXX. They sent me an email on XX/XX/XXXX stating I never complied and they again refused to do anything. Then I called credit card company again and they told me I had to call this company. I told them I tried and the number and no live voice, no option to leave a message. Citi started the dispute again but as of today, they said too much time has passed and they couldnt do anything about it.

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 2026-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
OCC Complaint Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OCC failed to force a reply from Huntington Bank concerning : 1. Huntington Bank refusing/returning valid loan payments 2. Huntington Bank asses late charges for returned payments 3. Huntington Bank using predatory lending practice makes money while the customer goes broke with no real estate as the result 4. Borrower is on a fixed income as evidenced by loan application data. 5. Bank failed to notify customer that loan payments were changed due to their mistakes of returning valid payments on the loan. 6. Hunting Bank simply replied with loan paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime/XXXX XXXX XXXXXXXX XXXX presented me with a direct deposit bonus offer. The ad popped up when I was shopping on XXXX and it said this is exclusively for first time customers ( which I am ) and all I have to do is sign up through that link. I relied on that offer and went through the trouble of all the sign up requirements such as verifying my identity, changing my employer payroll/direct deposit information to Chime. I have a screenshot of the offer ( see attached ). After I completed the requirements, Chime support told me I meet the requirements, but then denied the bonus because they claim they do not see me enrolled on their side. I was never clearly informed that a separate enrollment step was missing or that the offer would not be honored if Chimes internal system failed to show enrollment. This caused financial inconvenience and payroll disruption. I would have never signed up had it not been for the offer. To be more specific, I signed up through the link on XX/XX/XXXX and got the qualifying direct deposit of {$650.00} on XX/XX/XXXX. The offer was for {$350.00} in total with the first {$100.00} being released after receiving a direct deposit of $ XXXX within a month. The {$350.00} bonus was supposed to be spread out in 3 months I was abroad and could not receive the XXXX SMS code. I offered to verify myself using a government-issued XXXX ID XXXX but Chime support could not provide a workable alternative verification path. This created further account access and payroll issues. I had to switch to a {$200.00} international plan just to inquire about my payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I am contacting you regarding Sunrise Credit Services , Inc account, which is reporting as a collection to the credit bureaus. I am disputing the accuracy and completeness of this information. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and fully verifiable information. I am requesting that you provide documentation supporting the accuracy of your reporting. Please provide : 1. A written debt validation letter. 2. A copy of the original signed contract or application. 3. A complete payment history. 4. Documentation showing the date of first delinquency. 5. Proof that the amount reported is accurate and legally owed. 6. If the account was sold or transferred, documentation showing the chain of assignment. If you can not provide full verification, you are required under * * 15 U.S.C. 1681s2 ( a ) * * to correct or delete the inaccurate information you are furnishing to the credit bureaus. Also under the DFI Collection Agency database, Sunrise Credit Services are not Licensed or authorized to collect any debt in the state of Wisconsin due to them not being licensed in the State.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
About a week ago, I received notification from my bank that my checking account had a negative balance. When I logged on to check the activity, I noticed there were XXXX fraudulent Remitly transactions totaling to over {$13000.00} USD charged to my checking account!!! I have NEVER created any account with Remitly, and NEVER received any notification that my checking account was being linked to this payment platform. I've followed up with Remitly customer service several times to alert them of these fraudulent transactions, both over the phone and email. Each time I follow up, I have to re-start the claim from the beginning. They always say they will research and get back to me in XXXX hours, but they never do. They just keep asking me to restate the same transaction information, and are not providing additional details on who may have accessed my financial information and the steps they are taking to return the funds to my checking account.

Company response to consumer: Closed with explanation