vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against BMO Bank N.A . for improperly denying my claim for unauthorized debit card transactions in violation of the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005 ). 
Between XXXX and XX/XX/year>, my debit card was charged multiple times by a merchant named XXXX, XXXX. These transactions included repeated and high-dollar charges. I did not authorize these transactions, did not consent to any subscription or recurring charges, and did not provide authorizationexpress or impliedfor these transactions. 
I timely reported the unauthorized transactions to BMO. BMO initially issued provisional credit, but later denied all claims using denial reason code XXXX, stating the transactions were authorized by you and instructing me to resolve the matter with the merchant. 
After appealing, BMO stated that the transactions were considered authorized based on SMS verification sent to my phone number. I notified BMO in writing that I believe my phone number and/or device may have been compromised at the time of the transactions and that I subsequently changed my phone number due to security concerns. 
Despite this disclosure, BMO has continued to rely on SMS verification without providing evidence that I personally received, reviewed, or affirmatively approved any of the disputed transactions. BMO has not produced the SMS message content, timestamps, confirmation method, or any proof showing that authorization was actually furnished by me.

Under Regulation E, the burden of proof rests with the financial institution to demonstrate consumer authorization. Merchant assertions, successful card entry, device access, or SMS delivery alone do not constitute proof of authorization, particularly where phone or account compromise is suspected.

I submitted a formal Regulation E Notice of Error and an addendum disclosing suspected phone/SMS compromise and requested reinvestigation. BMO did not respond to this information within 48 hours and has failed to correct the error or provide supporting documentation.

BMO has improperly misclassified these transactions as authorized and failed to conduct a reasonable investigation 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 2026-01-23 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: WI

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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX I made a purchase totally {$700.00} from XXXX different merchants through XXXX XXXX. They are : {$150.00}, {$370.00}, and {$170.00}. The merchant for the item of {$150.00} sent my item to the incorrect address, which I provided proof for, and the merchant refunded me {$150.00}. I received the item from the merchant who charged me {$170.00}. I never received tracking information from the merchant item totaling {$370.00}. I reached out to them multiple times and filed multiple disputes with XXXX XXXX who failed to resolve the situation. 

In XXXX of XXXX, I filed a dispute with Bank of America. They settled on resolving the matter by issuing me a refund of {$220.00}, reasoning that I already received a refund from XXXX XXXX in the amount of {$150.00}, which totals my dispute amount of {$220.00}. I dispute this outcome stating that I am still owed a remaining {$150.00} because the original refund of {$150.00} is for another item that the merchant and I handled on our own. The matter was resubmitted to Bank of America where they asked for additional documentation proving my claims, which I submitted online through their portal and via fax and will attach it to this claim. I include all of the evidence they ask for including a breakdown of the XXXX merchants, and refund amount of {$150.00} and point it out as a separate merchant. 

My XX/XX/XXXX statement shows in Bank of America 's claims investigation, they charge another {$170.00} on XXXX XXXXXXXX XXXX behalf. This is merchandise I already paid for. I called on XX/XX/XXXX and spoke with someone in claims for XXXX minutes explaining the error and they said they would escalate the matter. I have not heard back since. 

Today, XX/XX/XXXX, I spoke with someone from claims who could not decipher the notes, which lead to an escalation to the supervisor who also could not decipher the notes. He admits the notes do not make a whole lot of sense and couldn't understand why {$170.00} was charged back. He said he would escalate the matter again. 

What I was initially owed is : {$370.00}. I was refunded {$220.00}, and then charged back for {$170.00}. This brings my new total owed to {$330.00} that Bank of America should credit me. The supervisor said he would escalate it again, but given this is now my third time clarifying it for them and they have only managed to make it worse, I don't have much choice but to report the 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 monetary relief
Consumer complaint received 2026-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Verified that they deducted payment from my account XXXX  ( autopay ) confirmed with the bank on a XXXX way call that was double charged confirmed that the payment was cleared XXXX of all this verification, capital one still is claiming that they need to verify its cleared- bank has told them repeated it is cleared. I have called repeatedly and they are delaying payment and holding over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Sezzle Inc.
State: OR

Complaint narrative:
I am submitting this complaint regarding a refund error by merchant XXXX involving a purchase paid for through Buy Now, Pay Later provider Sezzle. 

The items were purchased as XXXX gifts and were never received. I immediately cancelled this order minutes after purchasing on XX/XX/XXXX because I realized I did not click the option of fast shipping so I would not receive them by XXXX. 

The original order was {$200.00}. XXXX stated that items were already in processing so were unable to cancel XXXX items bringing the refund amount to {$160.00}. 

XXXX claims that a refund was issued for this order. However, Sezzle has confirmed in writing that the refund was processed to a card ending in XXXX, while the Sezzle virtual card used for this transaction ends in XXXX. 

I want to clearly state that I do not have, and have never had, any debit or credit card ending in XXXX. That card does not belong to me. 

As a result of XXXX processing the refund to an incorrect and unknown card number, the XXXX Now, Pay Later provider never received the funds, and I did not receive a refund. I am now being required to continue making payments for goods I never received. 

Despite repeated attempts to resolve this directly with XXXX, the issue has remained unresolved for over XXXX weeks. XXXX has not provided valid refund documentation showing the refund was sent to the correct payment method, nor have they reissued the refund properly. 

This error has caused financial hardship and ongoing billing disputes through no fault of my own. I am requesting that XXXX correct this error by properly reissuing the refund to the original Sezzle payment method or otherwise resolving the balance caused by their misdirected refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
ACCOUNTS IN DISPUTE I am disputing the following accounts as inaccurate, unverifiable, or improperly reported under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
XXXX. Comenity Bank / XXXX XXXX Account ending : XXXX Reason : Inaccurate and unverifiable reporting XXXX. Sensible XXXX XXXX Account ending : XXXX Reason : Inaccurate balance and reporting history XXXX. XXXX XXXX Account ending : XXXX Reason : Account information can not be fully verified Additionally, I am requesting removal of outdated personal information including old addresses and phone numbers that no longer apply. 
Sincerely, XXXX XXXX XXXX XXXX, XXXX  Phone : XXXX Date : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I placed an order for an pc on best buy that was {$1000.00}. The order was supposed to be delivered on XX/XX/XXXX. The order stated that it was delivered to my address but i did not receive my order. I refunded on best buy and received my money. til XXXX weeks later i noticed on XX/XX/XXXX that they have recharged me for every item i have disputed.

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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
To whom it may concern I am writing to file a formal complaint regarding the failure from Southeast Toyota Finance to timely provide my vehicle title after my auto loan was paid in full, in violation of Florida law. 
I paid off my vehicle loan in full on XX/XX/XXXX. At the time of purchase, the vehicle title was issued in paper form. After the payoff, a new lienholder was designated XXXX XXXX ; however, the new lienholder  has confirmed that they have not received the original paper title. 
Pursuant to Florida XXXX XXXX, once a XXXX is satisfied, the lienholder is required to release the XXXX  and deliver the certificate of title, or provide proper notice, within XXXX ( XXXX ) business days of receiving final payment. 
To date, neither I nor the new lienholder has received the vehicle title. Additionally, no documentation, XXXX release, tracking information, or proof of shipment has been provided to show that the title was mailed, transferred, or otherwise delivered. 
Despite multiple good faith attempts to obtain confirmation of the titles release and delivery, no written confirmation or supporting documentation has been provided. As a result, I am unable to complete required ownership, and registration matters for my vehicle. 
I am a 100 % XXXX veteran, and the continued delay in resolving this matter has caused significant hardship and stress, as it interferes with my daily life. I have been call the XXXX parties, went to the XXXX, and its too frustrated dealing with this and the lack of transparency from Southeast Toyota Finance. 
This failure appears to constitute a violation of Florida Statutes XXXX governing XXXX satisfaction and title release. I respectfully request assistance in reviewing this matter and enforcing compliance with Florida law. I am prepared to provide all supporting documentation, including proof of loan payoff and correspondence with the lienholder. Last week I went to XXXX and they stablish that the XXXX was printed by them on XXXX but Southeast Toyota Finance deny this and said is electronic XXXX XXXX would be great if XXXX XXXX prove of this transaction. 
Thank you in advance for your assistance. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mortgage Origination Holdings LLC
State: TX

Complaint narrative:
XXXX Mortgage, who is owned by XXXX XXXX, also owns XXXX XXXX. XXXX underwrites the mortgages and then turns them to XXXX to service them. XXXX was a nightmare to work with. They kept delaying closing to the point to where I had to pay {$60000.00} in non-refundable deposits to keep the house from going back on the market. At some point, the mortgage broker asked me where I wanted my payment to be at. I told him that XXXX XXXX was my max and he said that he though it would be " around {$6800.00} '' so everything is good there. We got to that payment by me putting down 20 % but that was a lot of my cash at the time so I needed to be able to handle the taxes on my own. My realtor kept asking the mortgage broker for the closing estimate and he just kept delaying, and delaying. And then finally, after all the deposit money had been paid, we get the closing disclosures 3 days before closing. And to my surprise, the payment listed was {$8900.00}, not the {$6800.00} we had estimated. So now I'm in a panic because I've got 3 days to fix this issue or lose the {$60000.00}. I told the broker this isn't right and that now if I don't close, I'd lose all that money. All he told me was he ran it up the flag pole and they wouldn't change it. So now I've got a decision to make, close and try and still work with the lender to figure this out, or walk away, lose the money, and maybe still file the complaint. If I could do it again, I'd walk away. But I didn't. I went ahead and closed because I've negotiated huge contracts in my job and when you get 2 reasonable people in a room, a deal can be made. That was what I was hoping to do. So as soon as I got the notice that XXXX and sold the mortgage to XXXX, I contacted them IMMEDIATELY! I told them about what had happened with the closing and that the agreed upon payment was much lower than what they presented at closing. My XXXX XXXX XXXX payment was {$7100.00} so the estimate was pretty close and I could have handled that. I've attached the original purchase contract, some emails with the mortgage broker about the absurd increase in payment right before closing, and then closing disclosures. My next complaint will be against XXXX for the 2nd part of this story. But neither one of these companies should be in business. XXXX has so many lawsuits against them, it should be a sign to shut them down or at least investigate them criminally. I strongly urge anyone reading this, to never do business with anyone related to these 3 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Reach Financial LLC
State: FL

Complaint narrative:
I enrolled with XXXX XXXX XXXX and was told consolidation would reduce my payoff time. I was later encouraged to switch into a XXXX XXXX loan with a 28.12 % APR. I was not clearly informed that this would extend my repayment timeline or significantly increase total cost. The loan is now longer and more expensive than what was represented, and I felt pressured to switch while in a vulnerable financial position. I am requesting review of the sales practices and any available fee relief or remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Debt collection was added to my credit report onXX/XX/XXXX. This debt collection company has never reached out to me, they have never validated the debt, and they filed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Product : Auto loan Issue : Trouble making payments/ Unexpected withdrawal Desired resolution : Reversal or partial reversal, hardship accommodation, fee refunds, and commitment to stop future setoffs Complaint narrative : I am submitting this complaint regarding my banks exercise of right of setoff on my checking account to collect a past-due auto loan payment. 

While I understand that loan agreements may permit setoff in certain circumstances, the banks action caused extreme financial hardship and appears unfair given my existing hardship status with the same institution. 

At the time of the setoff, I was already approved for a mortgage deferment with this bank due to financial hardship. Despite this acknowledged hardship, the bank removed funds from my checking account that consisted solely of my paycheck, without advance notice or an opportunity to cure the delinquency. 

The withdrawal interfered with my ability to pay essential living expenses and directly undermined the purpose of the mortgage deferment that the bank itself granted. There was no coordination between hardship programs, no warning, and no attempt to work with me before removing funds. 

I am requesting : Reversal of the setoff Refund of any fees or secondary damages caused A documented hardship accommodation on the auto loan Written assurance that further setoffs will not occur while I am under approved hardship accommodations I am requesting supervisory review of this matter for unfair servicing practices and lack of reasonable hardship consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXXis 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding Citibanks handling of unauthorized and improper charges made by Sears XXXX to my credit card for services that were never rendered, as well as Citibanks obligation to block continued and attempted charges. 

Between XX/XX/XXXX and XX/XX/XXXX, Sears XXXX charged my Citibank account {$82.00} per month ( XXXX charges totaling {$740.00} ) despite repeated cancellation attempts. In addition, Sears charged {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX for refrigerator repair services that were never completed. 

The Sears XXXX plan was intended to cover refrigerator repairs. Sears failed to repair or replace my refrigerator under the terms of the service contract, forcing me to purchase a replacement refrigerator out of pocket. Sears also failed to reimburse or provide any claim settlement. Proof of payment for the replacement appliance is attached.

Despite multiple documented attempts to cancel this service by phone and online, Sears continued billing my account. I recently discovered that Sears is also attempting to impose additional cancellation and processing fees totaling {$400.00} during the cancellation process for services that were never rendered. I do not consent to these charges and am requesting that Citibank prevent them from posting to my account. 

On XX/XX/XXXX, I submitted a formal written dispute with full documentation to Citibank, including a detailed dispute memo, call logs showing repeated cancellation attempts, proof of payment for the replacement refrigerator, and screenshots showing attempted cancellation fees. I am filing this complaint due to the risk of continued unauthorized charges and to ensure Citibank properly investigates, reimburses the disputed amounts, and blocks any future charges from Sears 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