vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/year>, I checked my citi app and noticed my account was reopened. I called on XX/XX/year>, requesting a new card be sent to me since the account was reopened and that I receive the XXXX thank you points that was promised to me by a previous supervisor back in XX/XX/year>. They put in an expedited request for the card and spoke to a supervisor to get the XXXX thank you points applied, which they advised were applied and would show after my next statement. I checked my citi app later again on XX/XX/year>, and the account was showing as closed again. I called back on XX/XX/year>, spoke to multiple representatives and was put on hold for about XXXX minutes until finally speaking to XXXX. XXXX advised that the account was reopened in error due to my previous complaint, so they closed it again and I would not be receiving my XXXX thank you points I was promised back in XX/XX/year> and then on XX/XX/year>. I asked to have the dollar amount equivalent of XXXX thank you points and an additional dollar amount equivalent of XXXX thank you points, so XXXX points total, be credited to my bill, since the first amount was promised to me with a closed account and due to the new hassle that occurred. She advised that I forfeit the thank you points when the account was closed, but they were promised to me in XX/XX/year>, by a supervisor, when the account was already closed and a promised the account would be reopened. After some back and forth with her, she then said that she would look into getting the dollar amount equivalent of the first XXXX point credited to my bill, because they were promised to me in error. This was after I had to explain to her multiple times that I can't forfeit points due to the account being closed, when the were promised to me on a closed account. This company has horrendous customer service and do not care about their customers, as they have shown me throughout multiple interactions.

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 2026-04-14 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: U.S. BANCORP
State: AZ

Complaint narrative:
I purchased a XXXX home warranty service contract from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$2500.00}, with coverage intended through XXXX/XXXX/XXXX. This was a prepaid service agreement to be fulfilled over time. On XX/XX/XXXX, I received court documentation indicating that the companys bankruptcy petition had been dismissed, raising serious concerns about its ability to provide the contracted services. Based on this development and the lack of service fulfillment, I filed a dispute with my XXXX credit card issuer, U.S. Bank, on XX/XX/XXXX under services not rendered. The dispute was denied on the basis that it was filed more than XXXX days after the original transaction date. I then requested a re-evaluation of the claim specifically under services not rendered, explaining that this was a multi-year contract and the service failure occurred after the purchase date. However, the request for re-evaluation was also denied, with the company reiterating that more than XXXX days had passed since the transaction date. Because this is a long-term service contract, the dispute timeframe should be evaluated based on the date the service failure became known, not the original transaction date. I believe the denial reflects an incorrect application of dispute rules for future-dated services. I am requesting that the credit card issuer re-evaluate this dispute under the appropriate guidelines for services not rendered and provide a resolution consistent with the terms of the contract and applicable dispute rules.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I applied for the Milestone Mastercard. The terms of agreement stated the following regarding fees under Set Up and Maintenance Fees : Monthly Fee NOTICE : Some of these set up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$700.00}, your initial available credit will be only about {$520.00}. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. {$0.00} the first year ( billed {$0.00} each month ) ; {$150.00} annually thereafter ( billed {$12.00} each month ) {$170.00} the first year ; {$49.00} thereafter. However, my approved credit limit is {$1000.00}, and I was charged a {$250.00} annual/setup fee before I even received the physical card or had the ability to use the account. In addition, a representative informed me that the annual fee after the first year would be {$99.00}, not {$49.00} as stated in the agreement, and that the monthly maintenance fee is {$19.00} rather than the {$12.00} disclosed in the terms. Based on the fees I was charged and the information provided to me, the total cost for the first year is approximately {$480.00} for a credit limit of {$1000.00}. I believe this is misleading and inconsistent with the advertised terms. A product marketed as a tool for rebuilding credit should not impose such excessive upfront and ongoing fees, particularly when the disclosed fee schedule appears to differ from what is being charged. I am requesting a review of these charges, clarification of the correct fee structure, and a refund of any amounts charged that exceed the disclosed terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2026 - Bank of America closed my checking and savings account without my permission - and without warning - under the description, " RECOVERY FOR FORCED CLOSED ACCOUNT FDES NMO XXXX XXXX. '' XXXX Bank of America withdrew a total of {$950.00} from my checking account, and {$980.00} from my savings account. XX/XX/2026 - I visited the XXXX XXXX XXXX branch ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) to speak to a representative. The bank manager informed me I had to call XXXX instead because the bank did not have access to information that could resolve my question. - From XXXX - XXXX XXXX, I spoke with XXXX different Bank of America representatives from various departments : Fraud, Customer Support, Charged Off Deposit Services, Open Accounts/ Deposits, and Recovery Services . No one could tell me why the bank closed my accounts without warning or my permission. XX/XX/2026 - I visited the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) to once again try and figure out why Bank of America deemed my accounts closed. They couldn't figure it out, either. - Spent nearly an hour with representatives there.

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 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Unreasonable account closure and refusal to disburse remaining funds by American Express Description of the issue : I am filing this complaint against American Express ( Amex ) regarding the improper handling of my Savings account closure and the subsequent refusal to return my funds totaling {$20000.00} ( Remaining Principal ) plus accrued interest. 1. Incident Background : In XX/XX/year>, I transferred {$20000.00} from my Chase Checking account to my Amex XXXX Savings account. Shortly after this initial deposit, I successfully transferred {$100.00} back from the Amex account to my XXXX account to ensure the link was working correctly. This {$100.00} transfer was completed and settled without any issues, proving that the account link was verified and functional at that time. 2. Account Restriction & Closure : In late XX/XX/year>, when I attempted to transfer a portion of the remaining {$20000.00} back to XXXX, my Amex account was suddenly marked as " Restricted. '' After contacting Amex customer service, I provided XXXX months of bank statements for my XXXX account as requested. Although Amex confirmed the statements were verified, they informed me they had decided to close my account for " business reasons '' without any specific explanation. 3. Unreasonable Demands for Fund Retrieval : Amex stated they would only send the accrued interest via check. However, for the remaining principal amount of {$20000.00}, they instructed me to visit a XXXX branch and request a " Recall '' of the original transfer that occurred in XXXX. 4. Current Deadlock : On XX/XX/year>, I visited a XXXX branch to request the recall as instructed. XXXX officially informed me that a recall is technically impossible because the funds were successfully transferred and settled months ago, well beyond the standard recall window. When I relayed this to Amex, they refused to provide any alternative solution ( such as a check or ACH push ), leaving my funds inaccessible. 5. Conclusion : Amex is currently holding my funds ( {$20000.00} ) and refusing to disburse them through standard methods, while demanding a procedure ( Recall ) that the originating bank can not perform. Given that a {$100.00} transfer was already successfully processed in XXXX, there is no legitimate reason for Amex to withhold the remaining balance. Desired Resolution : I request that American Express immediately release the full balance of my account, including the principal of {$20000.00} and all accrued interest, via a physical check sent to my address or an ACH transfer to my verified XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
This is a follow up to my previous complaint with XXXX, as they did not address the issue at hand and seemingly blatantly ignored the documentation provided in the complaint. This is getting to a point where we are going to have to resolve this in court if this is not resolved soon. XXXX is reporting a debt collection that I have repeatedly disputed and paid in full already, yet they continue to harass me over the debt and claim it is not paid. Documents provided clearly show the account at XXXX with receipts of payments and credits made on this debt. Please stop harassing me and falsely reporting this incorrect debt collection.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was a victim of identity theft on XX/XX/year> and Truist Bank used my stolen information to open XXXX checking accounts. Both accounts were funded via mobile deposits in the amount of {$1000.00} in each account. The accounts have since been closed but the bank inquiry remains on my file disclosure report with XXXX XXXX XXXX. XXXX XXXX XXXX will not remove the information from the report unless the financial institution instructs them to do so. I went to a branch office and explained the situation and the representative was not helpful. Instead they provided me with their business card in the event that I wanted to open any type of bank accounts with the institution in the future.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have a credit card with apire and imagine my phone and wallet were stolen from me I filed disputes with my other credit cards they resolved my issue and these XXXX cards aspire and imagine denied my claims twice so I went and got a police report! And gave it to them and they still are denying my fraud cases, every time I call to speak to someone they are always rude they try ticking me by saying I lost my items when in fact they were stolen they try to play many mind games and just frustrate me as a customer very unprofessional and very rude behavior, they keep sending me notices and keep reporting negatively to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Product : Checking Account Issue : Managing an account / Deposits and withdrawals Deposit : XX/XX/year> Mobile Deposit : XXXX Check number : XXXX Amount : {$4300.00} Complaint : I am filing a complaint against Huntington Bank regarding a check deposit that has been held without resolution for over XXXX months. I deposited the check through the banks remote deposit process. The bank accepted the check, processed it, and the funds were successfully withdrawn from the issuing partys account. The check has cleared, indicating that the transaction was completed on the issuers side. However, after accepting and clearing the check, the bank placed a hold on the funds and has refused to release them to me. The explanation provided is that the check was made payable to a business name rather than my personal name, and that my XXXX registration was created after the date on the check. While I understand their concern, the bank had the opportunity to reject the check at the time of deposit but instead chose to accept it, process it, and collect the funds. Despite stating that they will not release the funds, Huntington Bank is also refusing to reverse the transaction or return the funds to the issuing party so that the payment can be corrected. As a result, the funds have been effectively held indefinitely, with no access provided to me and no resolution offered. I have made multiple attempts to resolve this directly with the bank, including requesting that the transaction be reversed. These requests have not been honored, and I have not been given a clear explanation of the final disposition of the funds. At this point, the bank is retaining funds from a completed transaction that have neither been paid to me nor returned to the sender. I am requesting that the bank be required to : Release the funds to me, or Immediately reverse the transaction and return the funds to the issuing party I am also requesting a clear written explanation of the legal basis for their actions and the current status of the funds. Supporting documentation is attached demonstrating that the check was accepted via remote deposit, cleared, funds were withdrawn from the issuer, and are now being held without resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing this account as it is not mine. I did not open or authorize this account, and I have no knowledge of it. This appears to be a result of identity theft or unauthorized use of my personal information. Please investigate this matter and remove this account from my credit report immediately. I also request that you provide any documentation bearing my signature that proves I authorized this account. If you are unable to verify this account as mine, it must be deleted in accordance with the Fair Credit Reporting Act.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has furnished materially inconsistent payment history information across the XXXX consumer reporting agencies for XXXX accounts in my name. My XXXX report dated XX/XX/year> shows XXXX payment history for all XXXX Capital One accounts, while my Equifax and TransUnion reports from the same date show late payment progressions for the identical accounts. The same furnisher can not have accurately reported XXXX payment history to XXXX while simultaneously reporting detailed payment histories to XXXX and XXXX for the same accounts. At minimum, Capital One has furnished false information to XXXX by omitting all payment history. All XXXX accounts additionally carry dual status errors showing both charge-off status and past due balances. Account ( XXXX ) : XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing in response to a recent notice I received regarding an alleged debt of ( {$1500.00} ) through ( midland management credit ) I disputed the validity of this debt, and the dispute got canceled so now I r equest that you provide full validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 as I called midland management credit and most was not granted. 1. The name and address of the original Creditor 2. The original amount of the debt and what the debt was originally for. 3. A complete itemized payment history, including all payments I have allegedly made over the past XXXX years, from XXXX and how much was paid off the original debt 4. Proof that I am legally obligated to pay this. 5. Documentation of any interest, fees, or additional charges applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
We have noticed that with escrow our bill is continually higher than it has to be. We have noted that if we pay our own property taxes and homeowner 's insurance without escrow then we will save approximately {$200.00} per month. When I called to cancel the escrow account - twice - the representatives stated that the loan to value ratio needed to be less than XXXX XXXX for the escrow account to be canceled and that I would receive a letter stating as much. I countered and asked for them to show us in the original loan documents where this was a requirement. The representative could not show me such documentation or wording in the original mortgage documents. When I stated that I felt that this was an added requirement solely because we desired to cancel the escrow account, the representative hung up the phone.

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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NY

Complaint narrative:
On XX/XX/year> I called the company and asked for the information and was told that I had to dispute with them online. I did this. I asked them to fix the problem and reachout to XXXX, and they stated that they did not have to do so. They also told me that if i tried to pay while the file is being reviewed it would not look good.

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