vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
Related CFPB Complaint ID : XXXX I am submitting this complaint as a continuation and escalation of my prior CFPB complaint referenced above, involving the same lender and the same solar loan. 

The solar energy system financed by this installment loan stopped functioning in XX/XX/year>. I promptly reported the system performance failure and requested repair. The installer later confirmed that a system component requires replacement and that the repair is being coordinated through XXXX XXXX XXXX, with a third party hired to complete the work. The system remains unrepaired. 

During this period, the lender confirmed in writing that the solar system is locked due to an alleged past-due balance. When the installer dispatched a technician to my property to perform repairs, the lender refused to provide the required unlock code, preventing the technician from completing the repair and prolonging the system outage. 

Despite acknowledging that the system remains defective and that third-party repairs are still pending, the lender has conditioned unlocking the system on payment and has continued to demand payments while threatening adverse credit reporting, including warnings of a potential XXXX-day delinquency. 

I have also received conflicting written communications from the lender regarding the status of my dispute. Some emails state that my case is closed and that there are no further matters to investigate, while other emailssent during the same timeframeconfirm that the case remains open and under review, including review of the referenced CFPB complaint. 

The lenders actions have interfered with repair efforts, prolonged the system outage, and applied collection and credit-reporting pressure during an unresolved dispute. I believe this conduct is unfair and deceptive and violates consumer protection obligations by conditioning access to financed equipment on payment while the system remains nonfunctional. 

I am requesting CFPB review and assistance to address the lenders handling of this dispute, the continued system lock, and the ongoing collection and credit-reporting threats while the system remains unrepaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I received a wire transfer of {$50000.00} from the estate of XXXX XXXX ( My XXXX XXXX ) im order to get my inheritance I had to give a lot of personal information to XXXX XXXX XXXX ( XXXX, address, bank information ) and it all had to match up with the receiving bank ( Citibank ). In XXXX XXXX XXXX i received fraud alerts when i tried to purchase anything, on XX/XX/XXXX Citibank froze my account for verification purposes I was told a letter would be sent out in XXXX business days and to call back with the numbers from the letter and they would release my account back to me I found out a few weeks later that the letter wasnt sent out till XX/XX/XXXX its now XX/XX/XXXX and I still havent received the paperwork to lift my account the customer service reps tell me theres nothing else they can do for me unless I call with these numbers from the letter. Its been XXXX business days and my account is still frozen Citibank reps cant verify my phone number they say that there are XXXX XXXX different ways they verify your phone number or other personal information and they cant verify me i asked for another letter to be sent out on XX/XX/XXXX and I still havent received anything Ive driven XXXX hrs away to try and handle this and the XXXX XXXX XXXX tell me they cant help me and I have to call customer support to figure out why or whats going on when I call they cant tell me anything after the XXXX business days mark, I called almost everyday and sat on the phone for XXXX hrs each time just to be told I have to wait a few more days or its being pushed up to higher mangers to deal with it however I believe thats simply not true the last rep I talked to told me if I cant give them the numbers that are on the letter that they will not and can not do anything for me meaning there gon na keep my inheritance I also have XXXX or XXXX paychecks that were received but never deposited because the account is frozen and they cant tell me what happened to it or whats going to happen

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I submitted my formal letter to stop automatic payments letter to Navy Federal credit union account XXXX. Instructing them, I have revoked authorization further debits from my checking and savings account to my credit card! I also informed them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The date was and functionality of the letter were clear as of XX/XX/year>, I have revoked NFCU from debiting any of my accounts. They refuse to adhere to my letter and debited my checking account for over XXXX dollars with another payment already scheduled. I messaged them online as well as spoke to them via phone call. They responded with while applying for credit I agreed to allow NFCU to debit my account and they will not honor my letter to STOP AUTOMATIC PAYMENTS! 
I also filled a complaint with FDIC. I am in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried to move my {$330000.00} to my Bank of America XXXX account but somehow it got transferred to my Bank of America XXXX XXXX credit card account. Last XXXX days I have been calling them for the refund to my funding account but different agents says different things. Then I spoke with XXXX different supervisors and they said they escalated the refund request and it would take XXXX business days. Every supervisor said the previous supervisor did not escalated the refund request and they did it. I explained them it is the money that I am using to buy home. If I do not get this money I wont be able to close the home and I will lose my initial deposit {$50000.00} as penalty. Now they are not refunding my money and it is making me mentally unstable because of the fear of losing my initial deposit. Please help me to get my money back from 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 monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Capital One Auto Finances handling of an unresolved auto loan dispute involving dealer non-performance, vehicle safety defects, and registration failures. 

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. Within the first few days of ownership, I reported serious mechanical issues including overheating, burning smells, loud fan noise, oil leakage, and a check-engine light. These issues were reported early and repeatedly to both the selling dealership and Capital One Auto Finance. 

On XX/XX/XXXX, a certified XXXX XXXX XXXX inspected the vehicle and confirmed multiple major pre-existing defects, including catalytic converter failure ( XXXX ) and a severe engine oil leak. The technician stated these conditions could not have developed after purchase and confirmed the vehicle was not roadworthy at the time of sale. Due to safety and liability concerns, the dealership declined to add oil or perform repairs and advised that the vehicle be returned to the selling dealer. 

During an active dispute and while the account was on hold, the selling dealership failed to complete registration of the vehicle, resulting in expired tags. As a result, the vehicle was towed twice from my residence, on XX/XX/XXXX and XX/XX/XXXX. Capital One Auto Finance was notified multiple times of the registration issue and the risk of towing. I currently do not have possession of the vehicle, which remains at a tow yard. 

Despite months of documentation and escalation requests, I experienced significant delays, limited access to the assigned case manager, and the dispute was closed without resolution. I have cooperated throughout the process and have not refused repairs ; however, after multiple unsuccessful repair attempts and confirmed safety concerns, I no longer feel safe or comfortable working with the original dealership. 

This situation has caused ongoing hardship, including loss of transportation, missed work, and my child missing school. I am requesting appropriate review of this matter, correction of the dispute handling, and a resolution that accounts for the vehicles condition, loss of possession, and the hardship caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OR

Complaint narrative:
XXXX XXXX, debt total of {$470.00}. I am writing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit score. This company reaches out frequently via Email, using TrueAccord.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a Visa prepaid gift card ( the card says prepaidgiftbalance.com ) as a gift from someone else two years ago. I registered the card online at prepaidgiftbalance.com as instructed on the card soon after. The account worked as expected back then. However, I didn't use the card for a while. I tried to login again to prepaidgiftbalance.com today, but the website kept saying " Please try again. '' even though I made sure all details were correct. I then tried to make a purchase using the card, and it was denied.

I then clicked the link labeled " Card not working? Click here to begin the process '' at prepaidgiftbalance.com. I entered all my details, and the website said that my card details could not be found. It instructed me to call the phone number on the card. I called the number, and an automated voice told me to enter my card number and CVV. After I did so, the automated voice claimed that my card did not exist.

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 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint narrative:
A collection account from Jefferson Capital Systems , LLC for an alleged XXXX XXXX debt has been reported on my credit file. The balance is approximately {$330.00}, with the account opened in XX/XX/year>. 

I disputed this debt and requested validation directly from Jefferson Capital. I was unable to find a functional email address, and repeated attempts to contact them by phone were unsuccessful. As a result, I sent a written debt validation request by mail.

As of today, Jefferson Capital has not provided validation of the debt, documentation showing I owe the amount, or proof of their authority to collect. Despite this, the collection account continues to be reported to the credit bureaus.

I have acted in good faith to resolve this matter and requested verification, but the company has failed to respond or substantiate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I received a collection notice from Audit & Adjustment Company , Inc. stating that I owed {$1600.00} related to towing and storage charges from XXXX XXXX XXXX. 

Within the required timeframe, I disputed the debt in writing and requested validation, including documentation showing that I am legally responsible for the debt and identification of the original creditor. 

On XX/XX/year>, the debt collector responded by providing billing statements and a towing invoice. The response did not include any documentation showing that I owned the vehicle, authorized the towing, or agreed to be responsible for the charges. 

I do not own the vehicle, did not have possession or control of it, did not authorize the towing, and did not consent to the use of my name. Any listing of my name in vehicle or towing records was unauthorized and incorrect. 

Despite the dispute and lack of proof of legal liability, the company continues to assert that I am the responsible party and continues collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX I opened my first new Citizens One Deposit Checking account in-branch under the XXXX XXXX XXXX XXXX  promotional offer ( up to {$500.00} total : {$300.00} for direct deposits totaling {$1000.00} within 60 days, plus {$2.00} per qualifying debit card purchase up to {$200.00} within 60 days ). 

I received XXXX employer direct deposits into the new account : {$740.00} posted on XX/XX/XXXX and {$250.00} posted on XX/XX/XXXX. These deposits total {$1000.00}, which meets the promotion requirement for XXXX or multiple direct deposits totaling {$1000.00} within 60 days. I also made XXXX debit card purchases between XX/XX/XXXX and XX/XX/XXXX while the account was open. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating Citizens closed my account with no specific reason provided and that the remaining account balance would be mailed by check by XX/XX/XXXX. After receiving the closure notice, I called Citizens Customer Service Center. I was told the account closure was a final decision, they could not discuss the reason, they would not pay out the promotional bonus, and they did not recommend trying to open a new account because it would likely be closed as well.

I believe I satisfied the promotion requirements while the account was open, and Citizens closure of the account prevented me from keeping the account open through the promotion payout date. Citizens is also refusing to provide a meaningful explanation for denying the promotion or why my account was conveniently closed on the same day my second direct deposit posted and qualified me for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
On XX/XX/year>, I submitted a written dispute and formal request for a complete and itemized loan ledger, detailing original principal, all interest and fees assessed, the application of each payment, the current principal balance, and the current payoff amount. A copy of that letter is attached again for reference. To date, no ledger has been provided, and the balance therefore remains formally disputed. 

Additionally, I requested that my ACH payment method be updated. I was later informed that a form was required to complete this change and that it was sent via email. I never received this email or the referenced form, and therefore could not complete a process for documentation that was never delivered. Any resulting declined payment is due solely to this servicing failure and not due to refusal or inaction on my part. 

Because the balance has remained unverified due to LendNations failure to provide the requested ledger, I am formally disputing any interest accrued after XX/XX/year> and requesting that interest accrual be suspended effective that date until the ledger is produced and the balance is validated. It is not reasonable or appropriate to continue adding interest while delaying or refusing documentation necessary to substantiate the amount being charged. 

While LendNation has indicated it will not accept a payoff reduction or interest adjustment, that position does not relieve the company of its obligation to accurately service the account and validate the balance before continuing collection activity. 

Please provide, in writing : XXXX. The complete and itemized payment ledger requested on XX/XX/year> ; XXXX. Written confirmation that interest accrual has been suspended retroactive to XX/XX/year>, pending validation of the balance ; and XXXX. Re-delivery of the XXXX payment update form, along with confirmation of the email address to which it is being sent. 

Until these issues are resolved, I do not acknowledge the accuracy or validity of the balance claimed. 

I made a very large payment on this account less than XXXX weeks after opening it, which should have decreased my principal significantly. I am left wondering where this money went, hence the ledger request. 

I expect prompt written confirmation.

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 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I had a Titlemax loan payment due XX/XX/XXXX for {$810.00}. I told employees at the local office when they called that I'd make the payment XX/XX/XXXX and was told it was noted. On XX/XX/XXXX, {$810.00} was deducted from my checking account by CCFI causing my mortgage payment to decline. I didn't recognize the company CCFI ( instead of TitleMax ) and disputed the unauthorized payment. The local office stated they weren't responsible for the deduction but Corporate deducted the payment unbeknownstto the local office. I continued the dispute because I did not authorize the payment and had an agreed upon late payment date with the local office. My bank gave me a provisional credit ( from my bank ) while investigating and sided with the merchant CCFI and reversed the provisional credit ( given by the bank ) on XX/XX/XXXX. The local office told me I had to come into the office to make the next payment and bring ID because I disputed the charge, calling it a charge back. When I got to the office XX/XX/XXXX, I was told for the XXXX time that I must pay {$810.00} in cash before any other payment would be accepted and subsequent payments had to be cash or cashier 's check. I came back on XX/XX/XXXX and paid {$810.00} in cash, {$5000.00} cashier 's check and {$500.00} in cash. XXXX put {$810.00} in a drawer, gave me a receipt for {$5000.00} and {$500.00} ; but initially not for the {$810.00} cash until I insisted and printed a XX/XX/XXXX receipt, after calling a supervisor telling them I demanded a receipt for the cash payment, and she reluctantly signed it as chargeback cash payment but didn't credit it to my account, stating the corporate office stated the charge back funds weren't received and to send my bank statement to XXXX and she'd later credit the XXXX cash to my account if corporate verifies it. I emailed my bank statement to corporate XX/XX/XXXX. Corporate employee, XXXX, stated the charge back/dispute department would verify payment within XXXX hours. On XX/XX/XXXX, XXXX stated it would take up to 120 days to verify and she had no other status, deferring me back to the local office. The local office stated it was out of their hands. My bank stated verification should be quick because the merchant CCFI have had the {$810.00} payment funds since XX/XX/XXXX and the funds was never taken back from the merchant CCFI. CCFI/Titlemax was informed that I disputed the charge and CCFI needed to verify it and my bank overturned my dispute and the funds received by CCFI was never taken from them once received on XX/XX/XXXX and suceesfully completing the transaction/clearing my bank on XX/XX/XXXX. Please apply the XXXX cash payment made on XX/XX/XXXX to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I asked my bank to send me a new credit card but they refused to help me. I called twice and used chat twice. I do not have access to money or my credit. I'm unable to make purchases. They refuse to assist me in accessing my own account. Their service continues to decline each year to the point where they no longer service their own clients. They no longer have managers or representatives that resolve issues.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Despite what is clearly stated in Synchrony Bank 's Consumer Deposit Account Agreement and Disclosures, Synchrony Bank High Yield Savings Account has failed to compensate for service fees and ATM fees for overseas transactions. There is no specification that foreign ATM withdrawals are exempt from Synchrony 's policy of reimbursing such fees in the Consumer Deposit Account Agreement and Disclosures. To date, Synchrony has charged my account more than {$50.00} USD in such fees, and has made no effort to reimburse my account. This is fraud.

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