vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I went with XXXXXXXX XXXX XXXX XXXX XXXX for a resolution for owed taxes and on a recorded line, they convinced me that my taxes will be paid off in XXXX months by payments of {$150.00} a month. I trusted this and e-signed documents on my phone. I was then directed to e-sign additional documents for an agency called Monterey Financial for what I believed was part of the payment plan. As of XX/XX/year>, I was being led to believe I was paying off my taxes until I needed a copy of my tax returns for the previous XXXX years for the purchase of a home and found out my taxes were never even filed. After tracking down where these payments were going, I contacted Monterey Financial and asked why I was paying them and not paying off my taxes, I was told that I am paying them for the work XXXX XXXX was doing for me in which I was also told that they were still in negotiation with the IRS on my case. I went to the IRS myself and got a payment plan on my own after my tax agent guided me on how resolve this matter. Monterey Financial told me in the phone that if I don't pay what I owe, this will be sent to a collection agency and 35 % will be tacked on. I don't understand why I owe XXXX XXXX XXXX when they never did any work for me and mislead me about making payments of XXXX dollars for XXXX months and never started a resolution on my behalf with the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I am submitting this complaint against Credit Karma regarding a promotional offer that has not been honored. I received a targeted promotion from Credit Karma via email, which is also displayed within my account in the mobile app. The promotion states that I would receive a {$150.00} bonus after depositing at least {$200.00} into the specified account. Based on this offer, I followed the instructions and made the required deposit in good faith, expecting to receive the promised bonus. However, despite meeting the stated requirements, I have not received the {$150.00} bonus. The promotion continues to appear in my account, which reinforces my understanding that I am eligible. I have not been provided with any clear explanation as to why the bonus has not been credited, nor have I received a resolution after attempting to address this issue. This situation is misleading and appears to be a failure to honor the terms of a promotional offer. I am requesting that Credit Karma either fulfill the promised {$150.00} bonus or provide a clear and reasonable explanation as to why the terms of the promotion were not met in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am a new XXXX firefighter/paramedic and on XXXX/26 at approximately XXXXAM I attempted to deposit my XXXX retirement check in the amount of {$17000.00} into Huntington Bank XXXXs ATM in XXXX, MI on XXXX XXXX XXXX The machine malfunctioned telling me that it could not accept my check and need to see a teller. The machine did not return my check. I drove around to the drive thru to talk to a teller about the issue. Staff rolled their eyes and stated they could no retrieve the check due to not having access to their own ATM on premises. I called the bank corporation number and they gave me a case number and told me to wait for the check to be located. After 5 days I recontacted the bank and was told that it could take another 5 days to resolved. I stopped payment on the check and had another issued by the issuing bank. I had deposited the new check to my account via a human teller at the same Huntington Bank on XXXX/26. I just spoke with a supervisor at Huntington on XXXX/26 because no funds were released into my account. No effort to resolve and assist me in the issue was made by the employees or supervision. I have debts that are overdue and occurring late charges, medical need are on hold due to lack of funds, my Huntington checking account is now negative {$45.00}, my credit is being further damaged due to loans not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Can you please write me a simple round one investigation of the report on the attached credit report. As this is just round one the dispute can be a simple paragraph or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am filing a complaint against PayPal Credit regarding a billing error involving a {$360.00} charge from the merchant XXXX XXXX XXXX. I returned the merchandise using the merchants prepaid label via United States Postal Service ( Tracking # XXXX ). The package was delivered on XXXX XXXX, 2025. The merchant did not issue a refund. Instead, they claim a store credit was sent on XXXX XXXX, 2025, to XXXX, which is not my email address. My correct email is XXXX, and I have never received any refund, gift card, or usable credit. The merchant has also misrepresented or altered prior communications to suggest the credit was sent correctly, which is inaccurate. I disputed this with PayPal Credit and provided proof of return delivery and non-receipt of any refund. Despite this, my dispute was denied without evidence that I received a valid or accessible credit. The merchant has retained both the merchandise and my payment, and PayPal Credit continues to hold me responsible. This constitutes a billing error under the Fair Credit Billing Act and may involve unfair and deceptive practices.

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 2026-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: TX

Complaint narrative:
XXXX XXXX AND XXXX XXXX XXXX ARE ATTEMPTING TO COLLECT A DEBT THAT DOES NOT EXIST, CAUSING FINANCIAL HARM TO ME AND MY FAMILY. PLEASE SEE PAID VETERANS LETTER. THE SCHOOL WAS PAID IN XXXX OF 2025. THE COLLECTIONS AGENCY IS STATING IT IS NOT OWNED BY THEM. THE SCHOOL DENIES OWNERSHIP. THIS IS EXTREMELY UNPROFESSIONAL AND RECKLESS. HOWEVER IT SHOWED UP ON MY CREDIT REPORT AS XXXX XXXX XXXX AS THE INITIATOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: PA

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX using my XXXX XXXX card to withdraw funds in the amount of {$400.00}. However the money did not come out. Called XXXX XXXX same day and a few times after. Said if I fill out the paperwork and send it in they would give me a credit for the amount while they investigate. Did not receive a credit. I keep getting different answers. I did everything they asked in the time frame and not understanding why I did not get a credit like they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
My ssi funds were stolen and I need my money their policy states after XXXX give provisional credit return refund of money if and while continue investigation and dispute should started on XX/XX/year> I called but they say it just started on the XXXX I have proof otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against Venmo ( XXXX XXXX XXXX XXXX ) for a violation of Regulation E. My account was compromised by identity theft, resulting in 52 unauthorized charges. I was not responsible for these charges. I was XXXX during the time the charges were made. Venmo has already partially resolved this claim in a way that admits the activity was fraudulent : They credited my account {$30.00}, for some of these unauthorized charges. However, Venmo is now refusing to refund the principal amounts associated with those very same transactions. It is a logical and legal contradiction to acknowledge the fees were unauthorized ( by refunding them ) while simultaneously claiming the underlying transactions were authorized ( by denying the principal refunds ). Furthermore, when I requested a full appeal, Venmo deactivated my account. Most recently, an account specialist named XXXX XXXX ( Request # XXXX ) claimed there was " no evidence of unauthorized use, '' despite the fact that his own company had already issued a {$30.00} credit for 5 of the 52 yunauthorized charges I am submitting proof of my incarceration. I request that Venmo be compelled to refund the remaining balance in principal charges as required by federal law.

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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
My name is XXXX XXXX. I was in an accident XXXX XXXX, 2026. The vehicle was declared a total loss on before XX/XX/XXXX. My insurance company XXXX has been ready to issue a settlement payment for over 14 days, but Bridgecrest has failed to provide the necessary Letter of Guarantee ( LOG ) to my adjuster. I have been without a rental or vehicle for XXXX weeks and Bridgecrest is preventing me from getting another car from a dealership because the bank that is approving me needs to confirm that that loan will be paid off before putting me into a vehicle. Despite being notified of the total loss and my insurance company 's repeated requests, Bridgecrest is continuing to draft biweekly payments from my account for a vehicle I no longer possess. I have contacted Bridgecrest multiple times on XX/XX/XXXX, XXXX, XXXX and today the XXXX, but representatives have been unable to provide a timeline for the LOG or halt the automatic drafts. I have asked to speak to a supervisor and they were not able to assist. I also was told that they were unable to expedite it. XXXX continues to tell me that they are not at fault for whats going on and have tried to contact Bridgecrest multiple times. Its to the point where my adjuster supervisor reached out to me to see what was going on. This administrative delay is causing me financial hardship and forcing me to pay interest on a loan that should be closed. Its not a good look on Bridgecrest, considering the quality of reviews that they have. And I believe this is another way to run up interest along with more other payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I filed a claim with Citizens Bank on XX/XX/year>. Since then, the bank has failed to properly process my claim or provide accurate information. I have been repeatedly told by multiple representatives and supervisors that a provisional credit was issued. However, no funds have ever been made available to me, and my account remains negative. Representatives are relying on internal notes stating the credit was provided, but can not supply a transaction ID, posting date, or any proof that the credit was actually applied to my account. I have also been told multiple times to wait an additional 10 business days, despite already waiting beyond standard timeframes. Multiple expedites have resulted in no action or resolution. Under Regulation E, provisional credit must be made available to the consumer if an investigation is ongoing. In this case, the bank claims the credit was issued but has failed to provide access to any funds. This has caused financial harm, as my account remains negative and I have been unable to access funds that should have been provisionally credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
I am not liable for this debt with Cedars Business Services , LLC. I do not have a contract with Cedars Business Services , LLC they did not provide me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, a charge of {$970.00} appeared on my credit card from XXXX in XXXX, GA. This transaction is fraudulent. At the time of the charge, I was traveling internationally in XXXX, XXXX, making it physically impossible for me to have made or authorized this purchase. I do not live in Georgia and have no connections there. I promptly filed a fraud dispute with Bank of America. Despite this, they have refused to reverse the charge. I have been a customer for nearly 20 years and have never dealt with this kind of issue before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maximus Federal Services, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Excessive Delay, Lack of Transparency, and Failure to Resolve Borrower Defense Application Pending Over 3 Years I am filing this complaint regarding my Borrower Defense to Repayment application, which has been pending with the U.S. Department of Education since XX/XX/year> ( Case # XXXX ). For over three years, my application has remained in review status with no decision, no meaningful updates, and no estimated timeframe for resolution. Despite my repeated efforts to obtain information and resolve this matter, no progress has been made. I have taken the following steps in good faith to seek resolution : - I have contacted Federal Student Aid customer service multiple times to check the status of my application. - I have submitted a formal complaint through StudentAid.govs Feedback Center. - I have escalated my concerns by reaching out to my Congressional representatives for assistance. Despite all of these efforts, I continue to receive the same generic responses stating only that my application is in review, with no substantive update or accountability. No one has provided clear answers, and no action appears to have been taken on my case. Additionally, I was informed by a Federal Student Aid representative that my application does not fall under the XXXX v. XXXX settlement. Therefore, there is no legal or procedural justification for this prolonged delay, yet my application continues to remain unresolved without explanation. Specifically : - I have not been given any explanation of what stage of review my application is in. - I have not been provided with any estimated timeline for a decision. - My attempts to escalate this issue have resulted in no meaningful progress. At this point, this has become an indefinite waiting game, which is unacceptable. I am not willing to continue waiting without answers or resolution. This ongoing delay has caused significant financial and emotional stress. Borrower Defense is intended to provide relief to borrowers, yet the handling of my case has effectively denied timely access to that relief. I am requesting the following actions : 1. A detailed and specific status update on my application, including its current stage in the review process. 2. Confirmation of whether any additional documentation or action is required from me. 3. A clear and reasonable estimated timeframe for when a decision will be made. 4. Immediate escalation and expedited review of my application due to the excessive delay of over three years. I am requesting a substantive response that directly addresses these concerns. Generic or automated replies are no longer acceptable. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: OK

Complaint narrative:
I purchased a sofa from XXXX for {$630.00} on XXXX XXXX, 2025. The product was advertised as Assembled : Yes and estimated to require 30 minutes to assemble. However, it arrived completely unassembled and required full construction with extensive hardware, which is inconsistent with the listing. I attempted to return the item. The merchant acknowledged that home pickup was required due to the size and weight but refused to provide it, offering only drop-off return or a partial refund. The item was labeled for team lift and could not be returned without additional cost, making the advertised free return unusable. I disputed the charge with Citibank and provided documentation, including merchant communications and evidence of the product discrepancy. The first denial stated that there was insufficient evidence, despite my submission of supporting documentation. The second denial stated that the merchant delivered the item. In both cases, Citibank did not evaluate whether the product matched the listing or whether the return policy was usable as advertised. I attempted to reopen the dispute and submitted additional documentation, including a full evidence package by mail. Citibank again denied the claim without addressing these issues, and appeared to evaluate only delivery confirmation rather than the combined issues of misrepresentation and an unusable return process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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