vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Basically I was trying to go activate a gift XXXX membership card for a year that I received from my mom for XXXX. This older lady at the XXXX customer service counter proceeded to basically push me to buy a full membership and get the card even though I stated reluctance and not in much of a best situation for one. She proceeded with her sales pitch and talked about getting the credit card to activate it now and pay for the XXXX $ membership and that I could use the in store funds that new members and college students get as bonuses to pay the fee. Which together those bonuses were XXXX XXXX Which obviously sold me since I was under the impression I could use that to pay the fee. As time went on and the bill came up I proceeded to call and ask the customer service how I could use the bonuses ( which were sent to my email ) to pay off the bill. The lady over the phone stated that was not a thing and proceeded to be standoffish, I persisted in trying to understand explaining what I was told at the counter by one of her coworkers. And she proceeded to only help by telling me that I could possibly bring it in and exchange them at customer service for a different type of cash or card option to pay off the bill ( not direct quote just the general meaning and wordage as we had a back and forth. ). So I proceed to go into the same store this all started in and talk with a younger gal who seemed slightly new. And she proceeded to tell me that none of what I heard on the phone was an option either. So now I have a debt I cant pay off due to either a miscommunication with in the staff, or between me and the gal who I kept asking if I could sue the institution stuff to pay it off and said yes. This is my first credit card and Im honestly just confused lost upset and scared because of how important Credit scores are.

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Its was XX/XX/XXXX The scammer was calling me that was supposed to be my bank saying that I purchases two things from XXXX and they gave me details. I ask questions and it sounded pretty convincing the way they do it is to open an apple wallet, which I never own then send my money to my XXXX XXXX then send it to to a different account number I think he used a name called XXXX the number is ( 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 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened this account with a promotional no-interest period and set up automatic payments, believing that the account was being handled in a way that would pay off the balance within the promotional timeframe. I relied on the payment setup that was established and was not made aware that the payment amount was insufficient to pay off the balance before the promotion ended. At one point, when I noticed the automatic payment amount was relatively low, I contacted the company and asked if they could adjust the payment so that the balance would be paid off before the promotional period ended. I relied on that request being handled, but the payment amount remained too low. Over time, only small automatic payments ( around {$50.00} ) were being made, which I now understand were not enough to satisfy the promotional payoff requirement. I understand it is my responsibility to monitor my account, but I did reach out and relied on the company to help set the correct payment amount after bringing it to their attention. Recently, after the promotional period ended, a large amount of interest ( approximately $ XXXX ) was added to my balance all at once. This was unexpected and would have been avoided if the payments had been properly adjusted or if I had been clearly informed. I contacted the company again to explain the situation and requested that the interest be removed and that I be allowed to pay off the remaining promotional balance as originally intended. However, they refused to assist or make any adjustment. I am requesting that the retroactive interest be removed and that I be given the opportunity to pay off the remaining balance without interest, as I had intended from the beginning.

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 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a tellers check in the amount of {$30000.00} in the mail on the XXXX of XXXX. Because it was a large amount I went to Citibank to deposit the check in person. They accepted the tellers check. The banker mentioned the money will be available in 3 business days. After that, they blocked my accounts and no reason. They said the account was under investigation for 48 hours but didnt get any response back. They sent a letter saying the check bounced 7 days later. Now the account got closed with a negative balance of {$7000.00} without a statement. Or notified.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint against Bank of America regarding a {$500.00} promotional checking account bonus that has not been paid despite my fulfilling all requirements. In XX/XX/XXXX, I opened a personal checking account through the following promotional link : XXXX XXXX XXXXXXXX. This link advertised a {$500.00} cash bonus contingent on meeting a direct deposit requirement within a specified timeframe. I met the {$10000.00} direct deposit requirement in XX/XX/XXXX. As of XX/XX/XXXX more than four months later I have not received the {$500.00} bonus. When I contacted Bank of America via chat, a representative informed me that no offer is linked to my account. I explained that I enrolled through the above promotional link, and that this likely reflects a failure on Bank of America 's end to properly associate the promotion with my account at the time of enrollment. The representative declined to resolve the matter and directed me to call a specialist phone number instead. When I called the number provided, I encountered an automated IVR ( interactive voice response ) system that was unable to hear or process my voice responses. I was therefore unable to reach a human representative and have been left with no viable means of escalating this issue through Bank of America 's own channels. I have attached a printout of the offer page through which I applied, as well as a bank statement screenshot confirming that I met the {$10000.00} direct deposit requirement. I would ordinarily also submit chat transcripts ; however, Bank of America 's mobile app does not permit me to access or export my chat history, so those records are unavailable to me.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I started getting calls, text and mail from XXXXXXXX XXXX XXXX. When I received the first call I was told that it was for XXXX XXXXXXXX XXXX XXXX and the original creditor was Synchony Bank. I explained that the debt was not mine and that I am not the individual they were attempting to contact. I continued receiving calls from varying numbers, text and mail from this company. I have sent a written notification asking them to correct their records and stop the collection efforts. I am still being harassed and threatened. The last correspondence I received had XXXX XXXX XXXX NA as the original creditor and XXXX Funding as the current creditor and the balance of {$2000.00}. It looks like these may be somehow connected to a sell off of accounts from Synchrony Bank.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Complaint against Sunrise Credit Services Group for inaccurate and unverifiable debt reporting I am submitting this formal complaint regarding the improper reporting of a collection account by Sunrise Credit Services Group. A collection tradeline for {$390.00} appeared on my credit reports in XX/XX/year>. I have no knowledge of this alleged debt, never received any prior notice of it, and do not recognize any underlying obligation or original creditor associated with it. Sunrise Credit Services Group has furnished this account to the major consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX without providing any validation or documentation establishing : That I am the responsible party The existence and accuracy of the debt The chain of title/assignment from the original creditor Their legal authority to collect or report the account This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) and 1681s-2 ( b ) ( duties of furnishers upon notice of dispute ). It also violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including 1692e ( false or misleading representations ) and 1692g ( validation of debts ). I formally dispute the validity of this debt in its entirety and demand that Sunrise Credit Services Group immediately : 1. Provide complete validation of the debt, including : The original signed agreement or contract with the original creditor Itemized payment history and complete accounting showing how the balance was calculated Proof of ownership/assignment chain with all intervening assignments Documentation establishing their legal authority to collect and report this account 2. Immediately cease all reporting of this account to all consumer reporting agencies and request deletion of the tradeline pending full validation. 3. Suspend all collection activity on this account until proper validation is provided and I have had a reasonable opportunity to review it. If Sunrise Credit Services Group can not furnish clear and complete validation within the timeframes required by law, I demand permanent deletion of this account from all three major credit reports and confirmation of the deletion in writing. I request that the CFPB require a timely, detailed response from Sunrise Credit Services Group addressing each point above, along with copies of all validation documents they claim to possess. This issue is causing ongoing harm to my credit score and financial opportunities. I expect prompt investigation and resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I received a text from XXXX. It says I owe {$5700.00} to a hospital in XXXX, PA, which is a city and state I've never been to. It has an account number XXXX. It asked me to call XXXX and also provided a link ( see attachment ) and an opt out option ( text STOP ). I have ignored it, as it is a scam and I want to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
In XX/XX/XXXX, a deposit of approximately {$190.00} from XXXX was made to my Chime account. These funds were immediately applied to a past XXXX balance from XXXX without prior notice that the full amount would be taken at once. As a result, I was left with no available funds for essential expenses. I contacted Chime customer support multiple times on the same day to request a hardship accommodation, including a partial offset reversal or courtesy credit, but was told that no assistance could be provided. I am not disputing that a balance may be owed ; however, the full offset of my available funds without any flexibility has caused financial hardship. I am requesting that this situation be reviewed and that a partial refund or reasonable accommodation be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft I did not receive or benefit from any of these cards Amex and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
I used my CareCredit account to pay for XXXX XXXXXXXX. When my promotional period ended, a deferred interest charge of {$3100.00} was added to my account on XX/XX/year>. I contacted CareCredit and was granted an interest waiver if I paid my balance in full. I paid the balance on XX/XX/year>. On XX/XX/year>, CareCredit reversed the deferred interest charge ( approximately {$3100.00} ), confirming that the waiver was applied. My account balance went to zero and I even received a {$6.00} refund check for overpayment on XX/XX/year>. However, on XX/XX/year>, CareCredit added a new interest charge of {$86.00} even though my balance had already been paid in full and the interest had already been waived. I contacted customer service, but they stated they could not help and ended the chat without resolving the issue. I am requesting that CareCredit remove the {$86.00} interest charge because the deferred interest had already been waived and the account had already been settled.

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 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding National Credit Systems for reporting inaccurate and unverifiable information on my credit report. I previously disputed this account and requested proper validation, including documentation supporting the alleged debt and the method of verification used. National Credit Systems responded by marking the account as verified, but failed to provide any documentation or disclose the method of verification as required under the Fair Credit Reporting Act. They did not provide : - The method of verification - Any signed lease or agreement - A detailed account ledger or payment history - Documentation proving the accuracy of the balance Verifying an account without providing supporting documentation or disclosing the method of verification indicates that no reasonable investigation was conducted. This is a violation of the Fair Credit Reporting Act, including : - Failure to conduct a reasonable investigation under FCRA 1681i - Failure to ensure maximum possible accuracy under FCRA 1681e ( b ) Despite this, the account continues to be reported as accurate. Because National Credit Systems failed to properly verify this account and did not provide the method of verification upon request, I am requesting immediate deletion of this account from my credit report. If this account can not be properly verified with documentation, it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding fees charged on a brokerage account with Citizens XXXX XXXX XXXX that was opened solely in connection with a mortgage relationship requirement. The account was not opened for independent investment purposes, but rather to satisfy a condition tied to a mortgage. At no point during that process were the annual fee or termination fee clearly explained in the context of this being a required account for the mortgage relationship. Upon closing the account, I was charged a {$75.00} annual fee and a {$100.00} termination fee. When I raised this concern, Citizens XXXX declined to waive the fees, stating that they were disclosed in general account documentation. While I understand that fee schedules may exist, these charges were not meaningfully disclosed in the context of opening an account solely to meet a mortgage requirement. I would not have opened or maintained the account had these fees been clearly communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
I am writing to file a formal complaint against Green State Credit Union regarding significant issues with their loan servicing and payment processing system. I executed my loan documents with Green State Credit Union in XXXX and have maintained automatic payments ( autopay ) on the account since that time. In or around XX/XX/XXXX, Green State implemented a change to its payment processing system. I was never notified of this change. Since that transition, I have experienced multiple serious issues : My previously established automatic payments have not been properly applied or reflected, despite funds being consistently withdrawn from my Green State Credit Union account. Green State has indicated that these issues may negatively impact my credit, even though the payment failures appear to be entirely due to their internal system changes. On XX/XX/XXXX, Green State withdrew {$100.00} from my money market account without my authorization. When I contacted the institution, they were unable to explain the withdrawal and have refused to issue a refund. I regularly make additional principal payments ( typically one to three times per month ), and these payments are either not being applied correctly or are not being credited to my loan at all. These issues demonstrate a troubling breakdown in Green State Credit Unions payment processing and loan servicing practices. Despite clear evidence of funds being deducted, payments are not being accurately recorded or applied. I am deeply concerned about the potential harm to my credit and financial standing as a result of these errors. I am requesting that your office investigate this matter promptly and take appropriate action to ensure that Green State corrects these deficiencies and properly accounts for all payments made. I am also in the process of filing additional regulatory complaints regarding this matter. Thank you for your attention to this issue. Please feel free to contact me if further information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
Even though I have 2 of my accounts connected through XXXX they kept Phishing for my bank account information in their chat or to send it to them in an email. Why would they need my information when it's already connected through XXXX that is known to be secure? Also I tried removing my XXXX XXXX and asked them to update it to my account that is already linked and they said they need my bank information and XXXX statements. It's an immediate RED FLAG for phishing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I vacated my apartment on XX/XX/XXXX. The landlord, XXXX XXXX XXXX, did not send the final account statement until XX/XX/XXXX 39 days after move-out, violating Texas Property Code Section 92.103 which requires delivery within 30 days. The statement includes {$110.00} for carpet cleaning and {$250.00} for tub resurface, which are normal wear and tear and not supported by any before photos or documentation. It also includes utility charges billed after my move-out date. National Credit Systems is collecting {$250.00} on this potentially invalid debt. When I called NCS to dispute the debt, the representative was dismissive and did not address my legal rights. This collection is affecting multiple account holders including a co-signer. During the call, the NCS representative also accused me of being at fault and did not properly validate the debt. No invoices or receipts were provided to substantiate the {$110.00} carpet cleaning or {$250.00} tub resurface charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Got a water filter sold to us thru a person that came to our door Not aqua finance so there was no contract sing whit them They are now charging us {$100.00} per month and the interest is {$96.00} dollars basically what goes toward our principal {$6600.00} is {$12.00} a month I called aqua finance to lower interest rate they mentioned they do not lower i also mentioned i did not sing a contract whit aqua finance and none of the interested amount charged ever discussed in that amount Otherwise why would anyone agree to that They lied and scammed

Company response to consumer: Closed with explanation