vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year> my card declined for a purchase. I contacted Citibank as I had just received my payroll deposit the day prior and my balance was XXXX in the morning. Citibank advised me that they closed my account due to a check deposit for {$150.00} Id received the Friday prior. After the deposit id asked them to cancel the deposit as I was unsure about it and the reason they put a 10 day hold. They told me they could not cancel it and I said well it will likely bounce as Ill be requesting cash from the issuer. I thought nothing of it as my payroll of + {$6000.00} had been going into the account. On XX/XX/year> when my account was closed I requested to be able to walk into the branch and withdrawl my money so Id be able to leave it at {$0.00}. If the bank doesnt want my business thats fine. I was then told that Id have to wait XXXX days to receive these funds but was given no information as to why. This is causing major complications in my life and leaving me Potential homeless as I am moving from XXXX place to another this week and part of those funds were for my new place. Citibank refuses to just issue my my funds knowing they came from a legitimate payroll deposit.

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 2026-01-21 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I tried to contact santander usa about my auto loan they hung up on me which is pretty consistent with other people 's reviews I purchased a car from XXXX have recieved XXXX items on account number anything like that I have auto pay plus which they surely are taking money out of my account I have no way of knowing were that money is going they have on auto pay plus thaf santander is the active loan and they have my vin number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX at XXXXXXXX XXXX I deposited a check with a total value of {$1500.00} using the Chase banking app. I assumed after I deposited that that I would receive anywhere between {$100.00} and {$200.00} from the check as I have in the past when using the banking app to make deposits I did not I figured it was because of the time because it's happened a couple times before. I checked my banking app later that Saturday to see that that amount was being held it did not say it was pending it said it was being held I called to ask why it was being held the individual that I spoke to said he did not know why it was being held until the money was processed in other words it was in my account. I checked my email and saw that I received an email saying that my check was taken and it was verified but I would not receive the money until Thursday XX/XX/XXXX I waited until Sunday XX/XX/XXXX to call again to ask why it was being held and why would not get it until the XXXX the XXXX individuals that I spoke to both said that it was pending not being held at the time because XXXX it was a Saturday and checks are not deposited using the app on Saturdays and XXXX Monday was a holiday and it would not be deposited on Monday so it would be deposited at the earliest Wednesday XX/XX/XXXX I did not like it but I didn't have a choice. I checked my banking app on Monday still no deposit just like they said and it was still pending I checked my banking app Tuesday it said it was still pending and not deposited so I said okay fine it'll probably get deposited on Wednesday. I checked my banking app when I got home and it still said it was pending I checked my banking up a few hours later to see if it was deposited at XXXXXXXX XXXX. it said it was being held until XX/XX/XXXX, I checked my email I received no email stating why it was being held until XX/XX/XXXX. I did not receive a single phone call from Chase all of Tuesday to tell me that it was going to be held and not deposited like the email said it was and the XXXX phone calls that I made that said it was going to be deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX. My cellular device was left at a grocery store.at some point an individual accessed my phone ( phone did not have a lock on at the time of incident ) {$650.00} was transferred out my account as my cash app and XXXX were both linked to my Chase bank account and dropped my phone outsideonce i found my phone nothing appeared to be missing iut the wallet phone case my debit cards, credit cards id, were stored in. I didnt notice the the transaction at first because my employer dropped our bonuses along with our regular payroll so didnt realize money was missing out my accound until almost the XXXX of XX/XX/XXXX when i went to pay bills and saw the debited transactions. I immediately filed a police report and provided ALL information to officer I also attemped to request my XXXX back from this individual but unfortunately I was blocked.I immediately called Chase after police report was filed.to order new card and give information pertaining to unauthorized transactions. I was givin a temporary credit.. I was then notified that I approved this transaction and when asked on what basis i was givin no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
when I closed my BOA personal checking, they removed the option to make auto payments from my business account, even though BOA said it shouldn't have been a problem. 

Set up the autopay through my XXXX account but I may have set the date wrong or something because the payments weren't going through. But.BOA made absolutely XXXX effort to inform me that I was deliquient. I had the card for over XXXX and never missed a payment. They didn't call, email, send a letter, nothing, so the card was closed over like XXXX. This is while they owed me ~ {$1000.00} for months on another BOA credit card because I had received a refund. But BOA offered no method to recover that money. I also had ample money in my business account to cover the payment but again - BOA made absolutely XXXX effort to inform me that I was deliquient.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I disputed multiple transactions on my SoFi checking account that I did not authorize. After SoFi completed its initial investigation, merchants issued credits for some of the disputed transactions arising from the same activity, time periods, and billing patterns as the remaining disputed charges.

Based on this new and material information, I requested a reinvestigation. Instead of reopening the dispute, SoFi sent me a document restating its prior rationale and treated the matter as closed.

The issuance of merchant credits materially undermines a conclusion that the disputed activity was fully authorized and requires further review. Providing a summary of the prior decision does not constitute a reinvestigation, and SoFi did not reconcile why some transactions from the same merchants and transaction patterns were credited while others were denied. 

As a result, the dispute remains unresolved and I am still out of pocket for disputed funds despite new information being presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: SC

Complaint narrative:
When I open the prepaid card account type it on my credentials tells me I can order a free card well when I get done putting my address in and it gives me the agreement page and I have to read the agreement and it says order card at the end of it press it and very next page is error and I can't order the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico has been charging our company fees for services under the Investor XXXX XXXX XXXX program, which we have neither authorized nor accepted. 

Since XX/XX/XXXX, we have requested a refund of these fees from Banco Popular through numerous emails. 

Banco Popular responded that these bank fees stem from a unilateral decision by Banco Popular de Puerto Rico, which, in an institutional decision, moved all clients under Law XX/XX/XXXX in XX/XX/XXXX, notifying them of this change via letter sent by mail. 

However, we responded to Banco Popular de Puerto Rico, stating, " We are not interested in transferring the account to the 'Hub ' ; we wish to maintain our XXXX de XXXX account as it currently is. '' Furthermore, in addition to not having accepted the change at the time, we have not received any services from the Investor XXXX XXXX during this entire period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
RE : Systematic Failure of Due Diligence, Unauthorized Account Access, and Obstruction of Records Servicer : Nationstar Mortgage LLC ( d/b/a Rushmore Servicing ) Formerly known as Rushmore Loan Management Reference Case : Fraud Investigation # XXXX XXXX. Unauthorized Access & Fraudulent SII Status From XX/XX/XXXX, to XX/XX/XXXX, Nationstar/Rushmore permitted an unauthorized third party, XXXX XXXX , to gain management access to the mortgage account of XXXX XXXX XXXX ( Deceased ). During this period, the servicer failed to verify legal authority, allowing the third party to falsely represent herself as a Successor in Interest ( SII ). This access was used to facilitate " Fraudulent Inducement '' in XXXX XXXX Probate Case # XXXX / XXXX XXXX. Admission of XXXX XXXX XX/XX/XXXX, Nationstar issued a formal response ( Case # XXXX ) admitting to " fraud-related issues '' regarding this account. They have since " scrubbed '' the unauthorized party 's information and finally recognized the rightful heirs ( XXXX XXXX XXXX and XXXX XXXX XXXX ) as the sole Successors in Interest. 

XXXX. Illegal Withholding of Records ( Regulation X Violation ) Despite their own finding of fraud, Nationstar/Rushmore now claims they " do not have access '' to the historical account management data from the " Rushmore Loan Management '' period ( XX/XX/XXXX XX/XX/XXXX ). This claim is a direct violation of 12 CFR 1024.38 ( b ) ( 1 ), which requires servicers to maintain and provide accurate " Life of Loan '' records. They can not legally " scrub '' an account of fraud and then claim the evidence of that fraud is inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding Equifaxs continued reporting of a collection tradeline furnished by XXXX XXXX XXXX that is internally contradictory, materially misleading, and updated after receipt of a certified written dispute. 

On XX/XX/year>, I mailed Equifax a certified, written dispute ( XXXX  XXXX ) concerning this tradeline, requesting a meaningful reinvestigation, written results, and disclosure of the Method of Verification ( MOV ) pursuant to the Fair Credit Reporting Act. 

Despite receipt of this dispute, Equifax has continued to publish information that can not simultaneously be accurate, has permitted the furnisher to update and re-report the tradeline during the dispute period, and has failed to provide written verification or the requested MOV. 

Specific Violations XXXX. Publication of Internally Contradictory Account Status Equifax reports the same XXXX XXXX XXXX account as : CLOSED in consumer-facing summary and Closed Accounts views, while simultaneously Reporting the same account as an OPEN COLLECTION with an active balance in the detailed tradeline data. 

An account can not be both closed and an open collection at the same time. This is a substantive contradiction that misrepresents the accounts status and materially affects credit scoring and consumer understanding. 

XXXX. Post-Dispute Updating Without Resolution After Equifax received my certified written dispute on XX/XX/year>, the tradeline was updated and re-reported on XX/XX/XXXX and XX/XX/year>, as reflected in XXXX own reporting. These updates occurred : Without resolving the contradictory reporting, Without providing written reinvestigation results, and Without providing the requested Method of Verification.

Allowing post-dispute updates while publishing unresolved inaccuracies demonstrates that Equifax did not conduct a reasonable reinvestigation. 

XXXX. Failure to Conduct a Reasonable Reinvestigation Equifax has not explained : How it reconciled mutually exclusive closed and open collection statuses, What evidence was reviewed to verify accuracy, or How it independently assessed the furnishers data.

Absent such explanation, Equifaxs actions amount to reliance on automated or furnisher-supplied assertions rather than a reasonable investigation, contrary to its obligation to assure maximum possible accuracy. 

XXXX. Ongoing Consumer Harm As of XX/XX/year>, Equifax reflects a documented credit score decrease associated with this tradeline, while elsewhere asserting that there are no severe delinquencies. This contradiction underscores the misleading nature of the reporting and its real-world impact. 

XXXX. Account Under Active Litigation The underlying alleged debt is subject to active litigation, a fact known to the furnisher. Equifaxs continued publication of contradictory and unresolved data during this period further undermines the reliability of its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: IN

Complaint narrative:
I am disputing a hotel charge because the accommodations were unsanitary and unsafe, and the service was not rendered as advertised or agreed. The property is marketed as a XXXX  hotel, which created a reasonable expectation of clean, sanitary, and safe lodging. 

During the stay, the room was in unsanitary condition, and we became very sick for the duration of the stay. This was my birthday trip and my first time flying out the country so being sick was not ideal! Beginning on night XXXX and continuing through night XXXX, we notified hotel management and requested a refund so that we could relocate to another hotel, or alternatively be transferred to another XXXX of the hotels properties. The hotel refused both options, stating that no accommodations were available and denying any refund. 

We remained at the property only because we were unable to secure alternative lodging. The unsanitary conditions were not corrected, and the service provided did not meet the standards advertised or paid for. I will attach pictures of the XXXX covered towels seen in common areas, along with the various roaches I saw in my bedroom and common areas, XXXX XXXX  in the room that is painted over. The towel holder that cant hold towels. I became so sick starting night XXXX and so did my party. Throwing up, full body chills, stay in bed all day sick. 

Capitol One denied my dispute despite photographic evidence documenting the conditions and despite the hotels refusal to remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY DISPUTING THE COLLECTION ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DO NOT BELONG TO ME. I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I was in XXXX  XXXX to XXXX and a cable bill was falsely put in my name. Please remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I received a notice from Citi that my revolving credit limit had been lowered from {$25000.00} to {$17000.00} for underutilization. I was given the option to request reinstatement within 60 days. As I have been a cardholder for XXXX  years and have an exceptional credit history, this seemed a straightforward request. 

On XX/XX/XXXX I called Citi and requested reinstatement. I was informed that I would receive a decision letter within 10 business days. 

On XX/XX/XXXX I called again to request an update, as no letter had arrived. I was informed that no letter had been issued, but the case would be re-forwarded and, again, I would receive a decision letter within 10 business days. 

On XX/XX/XXXX, I called a third time to request an update as again, no letter had arrived. I was informed my account was deemed " ineligible for reinstatement '' and that no letter was ever generated. When pressed for the reason the customer service agent claimed not to have that information. They offered to escalate to a supervisor but then disconnected after an extended wait on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
i applied for a paypal mastercard on XX/XX/XXXX th and was approved then 7 days later was shut down without a call or letter. i want the hard inquiry deleted from my credit reports. i had corrected identity theft before and have my police report to prove it and cards were used without my knowledge putting be into bankruptcy when i got out if the hospital for a few months, most if my cards were maxed out and synchrony bank is holding that against me by closing my account after this. i want the hard inquiry deleted and nevercwantbtomdue business with them again. you dont approve someone then cancel it and dont tell them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Kriya Capital, LLC
State: LA

Complaint narrative:
I asked to provide me with proof that this debt was mine and the original contract that I signed they could not provide me with this so they said they will ruin my credit and did by putting me in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Company is still reporting incorrect information on credit report without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i tried to deposit a check for {$860.00} on XX/XX/year>, at PNC BANK and theyre saying they cant release the check until it gets verified. im not sure why my check would need verification if its coming from a regular well known job. ive been calling every single day to know the status of my check and i keep getting told different things everyday. first the have to verify with the maker my account is on hold suspicious activity like which one is it. Then, just yesterday i made an atm deposit for {$41.00}. it wasnt in my account when i woke up this morning so i reached out to the helpline chat on the app and got told my whole account is on hold. There was also a statement fee charge for {$3.00} which i wasnt aware of at all that i had to pay a statement fee because i never had to do this before. All this because of a payroll check that i got from work? this is unacceptable. ive been calling these people for DAYS! i have XXXX kids that need taken care of & bills that need paid. something has to give, i need my money or im just going to keep reporting this bank. PNC BANK has no remorse for their customers and they are thieves in disguise. please help resolve my issue!

Company response to consumer: Closed with explanation