vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a large check deposit on Saturday XX/XX/year> it was placed on a hold till XX/XX/year> no problem. Then on Monday XX/XX/XXXX i tried putting gas at XXXX XXXX and it was denied. I can Citibank and was told my account was on a 48 hour hold i would not have access to online, debit card etc. I go into the XXXX branch and XXXX the Teller told me there is nothing she can do just to follow up on Thursday XX/XX/XXXX. I had a direct deposit into my checking account of {$900.00} was not able to even access that money. It put me in a major hardship seeing I'm on unemployment and i need that money to pay bills, food, gas. Felt like no one at Citi was hearing me and treated me like a criminal. I waited the 48 hours called back because the hold was still on the account. Now I'm told by XXXX in the fraud department that the account is being closed and i have to wait 30 to 60 to get a check in the mail of all fund in the account. Why the complaint? Because i was never notified of the 48 hours hold, my XXXX deposit was on hold as well when its a verifiable source since XX/XX/year> since it has been depositing to my account. NO check verification was done my XXXX money was not releases, was treated horribly and put me in a deeper bind. The check is from an inheritance coming from my brothers trust account. I was told it was fraudulent without letting it clear the representative is going of suspicion and personal opinion the check is good and will clear. I think an extended hold could of been done rather then freeze my entire account. Never have i ever been treated this way by a financial institution. Citi needs to do better!!

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I made a deposit on XX/XX/year>. I was informed the deposit was on hold until XX/XX/year> due to suspicion the check would be returned. I opened the account 4 months ago. Almost every deposit to the account was made from the same XXXX XXXX account owned by my husband. NEVER HAS A CHECK BEEN RETURNED FOR INSUFFICIENT FUNDS. We went to a Bank of America branch twice. We have proven not only did the check clear on XX/XX/year>, but there is {$33000.00} in the account. No one could help us. We kept getting referred to the XXXX number. I have spoken to many customer service people at Bank Of America and they say nothing can be done. This is a complete scam. There is no reason for them to withhold the money. I cant believe this is even legal. All our house expenses are auto paid from this account and they are being declined. There is NO WAY this is legal. I just want my deposit bank so I can close the account and get my money away from the criminals at Bank of America.

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 2026-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am the court appointed administrator of my husband 's estate. I was provided the letters of administration on XXXX. XXXX XXXX, lender, had my husband 's car repossessed on XXXX. I/Estate was provided no communication from the lender after the repossession. Car was originally reported as stolen on XXXX. I was able to find out that XXXX XXXX repossessed the vehicle on XXXX. I was informed by lender customer service to submit Letters of Administration to their XXXX. I submitted the letters to the mailbox same day, XXXX. Lender refused to speak to me about the payoff of the car until XXXX after my repeated attempts to acquire the information. I received payoff for the car on XXXX and mailed cashier 's check same day. USPS delivery confirmation and signature for cashier 's check was received by XXXX XXXX on XXXX. I called to request when release of collateral would be provided to the vendor used for repossession and I have been informed that it would take an additional 5 business days to process the cashier 's check. I requested for escalation and XXXX XXXX representative refused to do any escalation and told me I had to await their processing of the cashier 's check. XXXX XXXX XXXX actions to date have been of constant administrative delays and absolutely no communication. No communication that they stopped accepting auto pay for the car, no communication on redemption of the repossessed car, no communication to the repossessing vendor, XXXX XXXX XXXX, to allow me to collect personal property from the car, no communication or 48 hour notice from repossessing vendor to collect personal property, no communication or reply to my repeated emails accept automatic replies acknowledging receipt. I have done everything within my ability to pay off the car loan and I have legally tendered the payment in the form of a cashier 's check tracked and signed for on receipt. XXXX XXXX is now unlawfully withholding the car belonging to the estate and will not release collateral within reasonable timeframe. Administrative delay to receive the payoff despite my identification as a legally court appointed administrator of the estate and now administrative delay to release the collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NV

Complaint narrative:
My vehicle was taken before XXXX on XX/XX/year>. I have a gps tracker from the finance company and that is how the third party to track my vehicle so that they could pick it up. I was not given any notices of repossession, nor was I given 15 days per the laws of Nevada. I have not gotten any answers from WESTLAKE FINANCIAL to get more time to try and reinstate my vehicle for the price of {$1700.00}. When speaking to someone from the company, i was told that WESTLAKE only allows 5 days to reinstate and since I filed a XXXX XXXX XXXX letter, they didn't send any notices stating that my vehicle is in repossession status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XXXX XXXX email to Citi : This letter does not address the issue I raised. The document you provided ( Card reissue not approved, dated XX/XX/year> ) is an adverseaction notice for the denial of a replacement card. It is not an adverseaction notice for the nonrenewal of the credit account itself. Regulation B ( 12 C.F.R. 1002.9 ) requires a separate, timely adverseaction notice when a creditor declines to renew an existing credit arrangement. My account was closed at expiration, which constitutes a nonrenewal, yet no adverseaction notice was issued for that action. Please provide the adverseaction notice specifically covering the nonrenewal decision, including its generation date, mailing date, and full content. If you can not produce evidence of a timely, compliant notice for the nonrenewal, I will escalate this matter to the Consumer Financial Protection Bureau. XXXX XXXX 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 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I recently transitioned from selling my home into apartment living with my minor children and expected a safe, clean environment at XXXX at XXXX XXXX. Unfortunately, the condition of the apartment made this transition extremely difficult and emotionally distressing for my family. From early on, we experienced a serious roach infestation throughout the apartment, including in personal belongings, living spaces, and other areas of the home. The infestation caused me to fear for the health, safety, and well-being of both myself and my children. Living under these conditions created constant stress, discomfort, and concern about sanitation and exposure to pests. Instead of feeling secure during a major life transition, my family was placed in an environment that felt unsafe and unlivable. I believe the living conditions fell below reasonable standards and significantly impacted our quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
PHH Mortgage sent me information, but I needed the accounting information so that I can fully understand what happened, because I was on the reverse mortgage as an unknown heir and there seems to be missing information. Only the full accounting information will determine what happened to the money. By law, I have rights to the accounting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I asked the bank to return the payments to who the collected the payments from because it wasnt me that made the payments I informed them that I will no longer make payments on the property and I dont have a source of income I didnt not give anyone authorization to make payments on my behalf And they are still collecting payments I would like confirmation that the payments have been returned to whoever made them I, XXXX XXXX , would like to dispute the payment made on XX/XX/XXXX {$16000.00}, XX/XX/XXXX {$28000.00}, mortgage loan account number : XXXX. I XXXX XXXX, social security number : XXXX, XXXX State Drivers License ID number : XXXX, US Passport Number : XXXX, is requesting for the following update on my mortgage loan account number. 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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This account has already been closed, and I am not attempting to dispute the validity of the account itself. However, the late payment reporting continues to negatively impact my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding had sent a letter to an address I haven't lived at in roughly 3 years so nobody signed for it and I never received a letter at my correct address. Then my work received the letter of wage garnishment and that I lost a court case I didn't know that was happening spoke to the court and they said there's nothing they could do about it because the judge ruled already how is this fair when I wasn't giving notice because of their poor investigation tactics if they know where I work they surely should know where I live

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have a subprime auto loan with Santander XXXX USA that I believe was issued knowing I had a high probability of default. I am two months behind and can not afford the payments. Based on the XXXX multistate attorney general settlement, I believe I may be eligible for relief. Santander has not informed me of my rights under that settlement. I am a Florida resident and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: NM

Complaint narrative:
Bilt XXXX Credit Card - XX/XX/year> I was denied due to " unable to verify identity ''. They will not provide where identity fails nor provide a pathway to submit verification for a manual review, as every other company will do. I have a rural address. Physical address is different than mailing address. Most of the time I have to submit additional information for a manual review due to the rural address issue. I have successfully gotten our address USPS verified in the XXXX. I have updated all credit bureaus and ensured all other credit cards have the same address. I'm still fighting XXXX XXXX to get it right. I don't know what else to fix. There is NO financial reason I should be denied. My 45 day reapplication period comes up next week. But if I don't know where the disconnect is, I can't fix it and will likely have the same identity verification failure. Multiple times I have had emails from support saying I will get a separate email saying why I was denied but I never get that second email. I have specifically requested an Adverse Action Notice as they are legally required to provide. No response. Bilt MUST provide an avenue for submission of data for identity verification as does XXXX, XXXX, XXXX and everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A vendor charged a subscription renewal to my virtual card number despite that number having been previously locked, and then deleted by me. Capital One was very uncooperative in providing an explanation for this. The first 10 minute long call ended when the representative hung up on me. A subsequent call put me on hold for a long time, and then finally came back with what sounded to me like a fabricated excuse. Locked and deleted is advertised to mean exactly what it says, but they say this is not true. They interpret an automatic renewal of a subscription as a prior obligation, and use that fabricated excuse to override without permission or notice my locking and deletion of the card number. That policy leaves the door wide open for fraudulent vendors to claim automatic renewals were in place, and to override the customers ' security blocks. I have never seen any written agreement from Capital One that said anything remotely like this, and it violates the fundamental advertised features associated with Capital One virtual card numbers. This feature is supposed to enhance my security, not allow any random vendor to override it at their convenience. In the process of violating my account security, they created a new virtual card number on my account, without my knowledge or permission, and used it to run the charge. I have printed proof of that. Then they claimed that the charge was run on the original locked and deleted virtual card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/year> I made a money transfer to XXXX XXXX through the app Wise. It was the first time I sent with them. First at all they offered me to charge XXXX $ but they finally charged XXXX. ( Misleading advertising ) I sent XXXX $ but they ( without ask ) discount to my beneficiary XXXX because some fees they never told me. I just knew when the Sent was done. It means my beneficiary just received XXXX .. causing a big damaged because they never mentioned anything about it and my family expected the total amount. Its total abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: SC

Complaint narrative:
OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC 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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Thank you for the response provided by Toyota Financial Services. However, several important issues remain unresolved and portions of the response are inaccurate or incomplete. 1 Notice of Intent to Sell Vehicle XXXX states that a Notice of Our Plan to Sell Property was sent on XX/XX/XXXX. I never received this notice and therefore was never given a meaningful opportunity to redeem or reinstate the vehicle. I currently do not have access to my Toyota Financial account to verify what address this notice was allegedly sent to. I request proof of the address used, proof of mailing, and confirmation that the notice was sent to the correct address. 2 Statements Regarding Post-Repossession Payments Toyotas response states that the payments received after repossession were fully customer-controlled recurring payments. This explanation is incomplete and misleading. I had automatic recurring payments enabled before the repossession occurred. In XX/XX/XXXX, Toyota suspended or restricted my account access and the recurring payment process was interrupted. The account functionality was later restored or reactivated in XX/XX/XXXX, after which four additional automatic withdrawals occurred. This was not a situation where I intentionally continued making new voluntary payments after repossession with uninterrupted account access and control, as implied in the response. I request clarification regarding : when and why the account access was suspended, when and how the recurring payment functionality was restored, and why automatic withdrawals continued after repossession and during the charge-off process. 3 Incomplete Accounting and Remaining Discrepancies I continue to dispute the accuracy and completeness of the accounting provided. The response still does not adequately reconcile : the total amount paid over the life of the contract, the application of post-repossession payments, the repossession and sale-related charges, and the remaining deficiency balance. Additionally, the vehicle sale amount appears significantly below reasonable market value for a XXXX XXXX XXXX, and no explanation or supporting documentation regarding the commercial reasonableness of the sale has been provided. XXXX XXXX XXXX Because these disputes remain unresolved, I continue to dispute the accuracy and completeness of the credit reporting associated with this account. I respectfully request : proof of mailing and address used for all repossession and sale notices, a complete reconciled accounting of the account, clarification regarding account suspension/reactivation and recurring payment functionality after repossession, and review/correction of any inaccurate or misleading credit reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
SUNRISE CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT XXXX 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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
During the months of XXXX and XXXX of the current year, XXXX, I experienced a temporary financial hardship ; however, I have since brought my account up to date. I respectfully request a goodwill adjustment to remove the record of late payments from my credit report.

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 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
They call repeatedly all day every day and on the weekends too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CL Holdings LLC
State: AL

Complaint narrative:
was never sent the debt validation from original creditor and then they spoke to my friend about this debt and gave them vaulable information

Company response to consumer: Closed with non-monetary relief