vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing a formal complaint regarding Santander Banks handling of my personal account, which was restricted without notice following receipt of a rental payment. On or about XX/XX/year>, I received a rent payment in the amount of {$1700.00} from my tenant as part of a standard rental agreement. Shortly after receiving this payment, my Santander account was unexpectedly locked. I was not provided with any prior notice, clear explanation, or immediate resolution regarding this restriction. I was later informed that the issue was related to my tenants account, which is currently under review by Santander. As a result of Santanders actions : - I have been unable to access my funds- Multiple scheduled bill payments have been declined or returned - I have incurred financial disruption and potential penalties due to lack of access to my account I accepted this payment in good faith and had no knowledge of any issue associated with the originating account. I am not a party to the matter under investigation and should not be subjected to account restrictions or financial harm as a result of another customers account activity. Santanders actions have caused significant inconvenience and financial impact, and I believe this situation has been handled improperly, particularly given the lack of communication and the effect on a third party with no involvement in the underlying issue. I expect prompt resolution of this matter.

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 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NE

Complaint narrative:
I been asking them to review a master for months they never do this is insane they get away with everything they tow truck guy came into my apartment building which is locked and knocked on my door entered a broken garage yall never do anything to fix this situation Im going to sue this is ridiculous I have a witness I told them that they act like Im lien they asked for a video my apartment the XXXX contact them I told u guys over and over to fix this situation instead of just closing the situation Im not going to stop until something is done. He literally mentioned having a XXXX to me and my gf Im getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I received a collection notice from MRS BPO , LLC regarding an alleged debt ( XXXX ) that is the result of identity theft. I did not open, authorize, or benefit from this account. This is a fraudulent account, and I have already filed identity theft reports with the Federal Trade Commission ( FTC ) regarding this matter. Despite this, MRS BPO , LLC is attempting to collect on this fraudulent debt without proper verification. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under federal law, once a company is notified that a debt is the result of identity theft, they must cease collection activity and can not continue reporting or attempting to collect the debt without proper verification. I am requesting that MRS BPO , LLC immediately cease all collection activity related to this account and ensure that this fraudulent account is not reported to any credit reporting agencies. I also request that they provide written confirmation that this account has been closed and removed as a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the court-appointed administrator of the Estate of XXXX XXXX XXXX Bank of America told me that it accepted a California Small Estate Affidavit in connection with one account and disbursed funds from another account to XXXX XXXX as a listed beneficiary. I am trying to determine whether estate funds were wrongfully released and why the bank failed to protect estate assets after the account holder died. After I notified the bank of my authority as administrator, I requested complete records so I could investigate the disbursements and administer the estate. The bank has not provided full production. It has delayed, sent incomplete responses, and indicated that some records will not be produced unless subpoenaed. That has blocked my ability to recover estate assets and understand how the bank approved the transactions. I believe the bank failed to safeguard estate property and is withholding records needed by the lawful estate representative. What do you think would be a fair resolution I want Bank of America to : Preserve all records and evidence ; Reissue and provide the full written response previously referenced by XXXX XXXX and Legal ; Produce all statements, signature cards, ownership records, beneficiary records, Small Estate Affidavits, identity verification materials, transaction records, closure records, and internal notes ; Explain exactly how and why it accepted the affidavit and disbursed funds ; Identify what records it is withholding and the reason for withholding them.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
I spoke to a rude agent immediately giving me an ultimatum of do I want to pay or not and what do I want to do about it. She had attitude that can be heard over the phone. She lied saying Ive opened every single email that was sent to me, when I said that was false and went back on her word after I expressed thats not true and said most or multiple. She claims it was about an cima loan and that cima was perusing me which to me is off since XXXX purchased said debt. Her last name is XXXX. The aggressiveness of the agent caused intimidation to try and provoke any response that could jeopardize the truth. The entire communication was conducted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: PA

Complaint narrative:
I received my new bank card from XXXX XXXX I was informed that I needed to provide my ID, birth certificate, and social security card via email. I submitted the email 4 times over the span of 3 months. No response. I have called multiple times to ask them if they have received it and no response. I have wait up to 2 hours for them to answer. I just want my money transferred to a new account. Im calling social security to switch my direct deposit but I have going on almost 4 months of XXXX deposits on my account that I can not access due to poor customer service and negligence of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KS

Complaint narrative:
XX/XX/XXXX was told i was over drafted because a deposit from XXXX had not been deposited to cover the over draft. I was able to fund half the amount before XX/XX/XXXX when XXXX was deposited. That covered the XXXX XXXX fees and and remaining XXXX with a balance of XXXX left. An hour later they charged me XXXX XXXX again!!! They wont waive these. This is predatory.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Bank of America regarding my credit card account, which currently has a balance of approximately {$13000.00} and an APR of 21 %. I reached out to Bank of America to explain my current financial situation. I requested to be placed on a hardship payment plan and asked for a temporary or permanent reduction in my APR. My goal was to establish a structured, manageable path to pay down my debt responsibly and avoid falling behind. Bank of America denied my request for assistance. On XX/XX/year>, the company officially declined to offer a payment plan and refused to lower my APR. The representative stated that I am not eligible for a payment plan or a lower APR, despite my financial hardship.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have disputed this account multiple times and requested validation of the debt. The company has failed to provide any documentation proving I am responsible for this account, yet continues to report and verify it with the credit bureaus. This account remains unverified and should not be reported under the Fair Credit Reporting Act. I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is a continuation of ComplaintXX/XX/XXXXXXXX. I am submitting an urgent update to my existing complaint regarding Bank of America. Since my initial complaint, an additional offset occurred involving a separate account while I was actively disputing the original offset and working with the bank to resolve it. This second offset was applied to a different account that had recent payment activity and an established payment arrangement. A payment had been made in XXXX, and a future payment was scheduled for XXXX. The XXXX payment was not processed because the account had already been negatively impacted by the initial offset, and I followed guidance provided by a Bank of America representative to avoid additional debits that would further worsen the account balance. Additionally, any deposits that appeared in the account during this time were not predictable income, but rather unexpected business payments. I was actively working to resolve the initial issue and was not in a position to treat those funds as available for new obligations. Despite this, Bank of America proceeded with an additional offset on this separate account without apparent consideration of the ongoing dispute, prior communication, or the status of the account. This action has further worsened my financial situation, leaving both accounts negative and preventing me from meeting payroll and basic operating expenses. I am requesting that this additional offset be reviewed as part of my complaint, as it reflects continued debiting activity during an active dispute and without full consideration of the circumstances.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
I have been part of the XXXX program since XX/XX/XXXX. I worked faithfully for a nonprofit organization and have met the obligations of XXXX years of service. Due to the harmful SAVE forbearance that was placed on my account without my consent, I needed to request buyback of the payments in forbearance due to litigation. Normal processing time is XXXX according toXX/XX/XXXX/Mohela- but I submitted my request in XX/XX/XXXX. By not processing my buyback request, nearly {$80000.00} in principal and interest sits on my credit report effectively impacting my score and buying power.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America for mishandling a dispute involving a foreign merchant who refused to issue a refund unless I signed a legal waiver surrendering my rights. On XX/XX/year> i got a clinical operation from XXXX XXXX in XXXX and the operation failed. the clinic doesnt offer refunds but due to the failure they offered me a AED cash refund only and under the requirement that i sign a waiver of rights. i called bank of america and explained everything over the phone. They reversed the charges and closed the case. On XX/XX/XXXX the merchant sent a screenshot of our whatsapp texts claiming they offered a cash refund but i never responded. i called bank of america and explained there is zero reason i shouldnt have been contacted via phone or email on this as i had all the proof needed. the operation photos and videos, the waiver of rights, the full message chain etc. i went ahead and faxed the waiver as proof to bank of america and they opened the case again. I also submitted a formal request to have the dispute reclassified from service dissatisfaction to refund refusal with coercive conditions, as the merchant offered a refund but made it conditional on signing a legal waiver surrendering my rights. BOA 's communications were sent to an outdated mailing address and I did not receive them, which contributed to the initial reversal going uncontested. They said the merchant has 45 days to respond which means around XXXX XXXX i went ahead and sent more photos via fax on XX/XX/XXXX and this morning XX/XX/XXXX they decided to close my case due to " proof from other merchant '' when i called the claims department they said they have no idea what the proof was. When I called to follow up I was verbally told the merchant had until XX/XX/XXXX to respond. The case was closed XX/XX/XXXX before that deadline without any outreach to me. BOA initially requested a second opinion letter from a medical professional to evaluate service quality, which confirms the dispute was being processed under the wrong category despite my reclassification request. I am requesting that the CFPB require Bank of America to reopen this dispute, review all submitted documentation, and process this claim under the correct category of refund refusal with coercive conditions rather than service dissatisfaction.

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