vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted first national bank of Omaha because of a decline using my card. I went onto the app and saw that my available credit had been reduced to {$0.00} from {$17000.00}. When I reached someone they informed me that the card had been closed because payments had been made from an account that they didnt allow payments from and they couldnt verify it was my account. The account is mine and is in my name as well as the name of my small business. They claimed they sent a letter in XXXX of XXXX letting me know I couldnt make payments this way but I never received any such letter and had been communicating via email and through their app not by paper mail. This was also the same way I had been making payments since the account had been opened in XXXX of XXXX. I had accumulated over XXXX rewards points redeemable for almost {$1500.00} In gift cards useable at XXXX XXXX XXXX XXXX XXXX XXXX etc. At the moment of closure they removed the rewards points and explained to me that they were gone and the account had strict instructions from their credit department to not open the account back up. I spoke with multiple reps on 2 different phone calls only to be told it was done and their is nothing I can do and the points were forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This complaint is a formal escalation linked to FTC Report # XXXX regarding deceptive 'split-ledgering ' and mathematically incoherent billing. 1. Forensic Proof of 'Split-Ledgering ' : On XX/XX/year>, the bank simultaneously assessed 'INTEREST CHARGE-PROTECTED ' ( {$33.00} ) and 'INTEREST CHARGE-NORDSTROM ' ( {$22.00} ). This proves the bank internally recognizes a 'Protected ' status while penalizing me with standard rates. This 'split ' has caused my total due to jump from {$190.00} to {$270.00} without clear disclosure, violating the Truth in Lending Act ( TILA ). 2. Mathematical Incoherence & Double-Counting : I acknowledge an {$81.00} past-due balance ( following a {$5.00} payment on XX/XX/XXXX ). However, the bank is demanding a total of {$270.00}. This figure appears to be a 'double-count ' error, adding the {$81.00} past-due amount on top of a Minimum Monthly Payment ( {$190.00} ) that already incorporates the baseline debt. 3. Digital Blocking of Resolution : As documented in my attached evidence, the banks portal provides an 'Explore Options ' link that leads to a technical error message : 'Something isn't working quite right. ' 4. Compounding during Active State Audit : The bank continues to charge interest on penalty fees despite an active audit by the XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( File No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Experian Information Solutions Inc.
State: AL

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 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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/year> Sent via Certified Mail To : Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Debt Validation Request Under FDCPA 809 ( b ) To Whom It May Concern, I am requesting full validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : 1. Original signed agreement 2. Full itemized account history 3. Proof of assignment/ownership 4. Date of first delinquency 5. Proof you are licensed to collect in my state 6. Documentation proving permissible reporting to credit bureaus Until validation is provided, you must cease collection activity and cease reporting this account. Failure to validate yet continuing to report may constitute violations of : FDCPA FCRA 623 ( a ) FCRA 611 If you can not validate the debt, delete the account from all consumer reporting agencies immediately. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received a text at XXXX, on XX/XX/year> stating Chime will NEVER ask you for this code. DON'T share it. The code you requested is XXXX. Didn't request it? Call XXXX -- XXXX # XXXX I called and asked to speak to a service rep about possible fraud. A man speaking poor English named XXXX answered and asked for my full name and number. Then he asked for my date of birth. At that point I asked why he needed that information and why couldnt he just search his database for my phone number and put a stop to this unauthorized attempt to use my number. His answer was very ambiguous and didn't even come close to a logical explanation that would convince me of valid need for that information. So I just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
The payment was made by telephone through a third-party payment processor. The payment was intended to be a single monthly payment only. Although my original due date was XX/XX/XXXX, I was still within the 10-day grace period when I submitted the payment on XXXX. When prompted to make the payment, I selected and paid the amount shown as currently due, which was under {$700.00}. However, instead of processing a single payment, the system processed a lump sum payment that included both the current payment of approximately {$700.00} and the next payment due in 23 days for an additional approximately {$700.00}, along with a processing fee, for a total charge of {$1400.00}. The payment processed on XXXX. Since then, I have contacted Chrysler Capital customer service multiple times in an effort to resolve the matter : XXXX # XXXX XXXX at XXXXXXXX XXXX XXXX # XXXX XXXX at XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX I am requesting assistance in correcting the duplicate payment issue and resolving the account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
At the time of the incident involving the vehicle, my account was current and not in default. The vehicle was involved in an accident and deemed a total loss prior to any recovery action. The company later retrieved the vehicle from the tow yard. However, this was not a repossession due to default, but rather a recovery of collateral after the vehicle had already been destroyed. Credit Acceptance is reporting this account as a repossession & that is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), as it suggests that I defaulted on the loan and that the vehicle was repossessed due to non-payment, which is not the case.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In mid XXXX I made a mobile deposit of {$2000.00} to Truist Bank from my account at another bank XXXX, to fund the account and it didn't go thru. So I made another one and it did.go thru but Truist put a hold on the money. Gradually over the next couple weeks, they put a freeze on my whole account. Then they cancelled my access to the account online. Then lastly closed the account all without giving me the ability to get my {$2500.00} I have in the bank. Seems they are now holding all my money hostage wanting a guaranty letter from XXXX the check will not be returned. They state they have not been able to get ahold of XXXX Bank, which a manager there says is ridiculous, they have an open line of communication 24/7. What the other bank was willing to give me was a letter showing there is plenty money in the account, a copy of the long since paid check and I sent that and my bank statement to Truist Bank. As of yesterday this has seemed to not satisfied Truist and they are still holding my money. I dont care they closed the account. I want nothing else to do with them I just want my Money they have.....

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I was a victim of identity theft. The individual in question attempted to open an account with Coinbase. The account appears to have never been opened. However, I have an inquiry listed on my file disclosure with XXXX XXXX XXXX. I am not able to speak with anyone at Coinbase because the automated phone system states it does not recognize the telephone number I am calling from being associated with my account. I need to have this issue resolved so that the inquiry is removed from my XXXX XXXX XXXX report. I am unable to resolve the matter because I can not speak with anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I disputed the collection account NATLCRSYS that was previously marked as Accurate by XXXX, XXXX, XXXX. I Requested Date of First Delinquency ( DOFD ) to establish that the account is accurate and not being re-aged. I have not received any documentation demonstrating how the information was verified under FCRA 1681s-2 ( b ) I requested a detailed description of the method of verification used and contact information of the party that verified the account, Date of First Deliquency ( DOFD ) and Confirmation that this account has not been re-aged monthly. The account continues to report COLLECTION and PAST DUE which is inaccurate and false, misleading, not true. Collection accounts can not have a PAST DUE balance. Because this gives the appearance that the account is still active. Collection accounts are in COLLECTION because they are inactive with a final balance. NATLCRSYS did not investigate nor provide Date of First Deliquency ( DOFD ) to show information they provided is accurate and true and did not make any effort to verify the information is accurate and true

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NY

Complaint narrative:
I spent several months attempting to retrieve the funds to my XXXX XXXX account. I am currently in a shelter. My case manager and social worker have worked together to assist me in providing XXXX XXXX with identity verification by sending identification card, social security card, and birth certificate. In each phone conversation after their email response would state they can not verify my identity, the representatives would give different reasons as to why my documents were not valid enough for verification unitl XXXX XXXX stated that because I was unable to verify my past information for the account, I am to go to SSA to change my payment method. Once I completed that task, an SSA representative informed me that I should call XXXX XXXX again to handle the retrievement of my funds. When I call XXXX XXXX the first representative stated that " they are a prepaid card company, and do not provide cashier 's check or paper check ''. I requested a supervisor, they stated I am to return to SSA again to verify my identity. I have already met with SSA about this. At this point, I am outraged and highly aggravated that it is taking XXXX months for me to collect MY BENEFIT FUNDS as I have the right. I am highly upset and need to resolve this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, a {$590.00} annual fee was charged to my credit card account. I had closed the credit card account before the renewal date. A previous representative from the company told me that switching to a no-cost card would mean no fees would be charged. When I saw the {$590.00}, I contacted the company through online chat. The first agent agreed the fees should not apply but said he could not remove it. He told me to wait for a refund within 51 days from XX/XX/XXXX and to pay the by the due date of XX/XX/XXXX if the refund had not been issued. I refused to pay. I was transferred to an escalation desk agent named XXXX. He confirmed that the fee was charged in error. He said he could not remove the fee and could not place a temporary credit hold. He said he would send an internal request to another team to remove the fee, which would take 7 business days. He also said that the {$590.00} would still be due on my account by XX/XX/XXXX. He then offered and processed a late fee suppression, which means I will not be charged a late fee if I do not pay by XX/XX/XXXX. However, he confirmed that the minimum payment due amount still includes the $ XXXX.He refused to remove the {$590.00} charge. He refused to provide a case number or reference number. He refused to email me a copy of the chat transcript. The company has not solved the problem. I am being asked to pay {$590.00} for a closed account. I have saved screenshots of the entire chat conversation.

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 2026-05-12 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: Chime Financial Inc
State: NY

Complaint narrative:
Good day starting on XX/XX/year> I had to reopen my claim because chime cant take the time to call me and understand what this claim is about. I made 21 purchases from XX/XX/XXXX XXXX XX/XX/year> from XXXX XXXX XXXX to exchange our money into virtual money I need to use to play the XXXX XXXX online game. When I didn't receive my item I immediately filed a claim to get the refund because I didn't receive my item and there were no changes made to my game.the claims went unanswered until XX/XX/XXXX when XXXX XXXX who has a contract with XXXX XXXX XXXX reached out and tried to say that I hadn't provided the correct information for the refund to be processed that they wanted to see a copy of my history where the purchase was made and they claim they want to see my email printed on top of the receipt. I am here to tell you they don't make a receipt with this printed .I have several samples of the receipt I was provided at the time I made the purchase the receipt only lists the item name the XXXX XXXX the date and price of the item and the credit card # used to make the purchase. The lady who works for this company tried to help me file a claim over the phone but I didn't inc the correct price of what I am owed in the refund. The total amount of all XXXX items that I never received between XX/XX/XXXX XXXX XXXX XXXX the amount is supposed to be {$340.00} I miss calculated on my previous claim and stated I was due {$230.00} I found my receipt of all XXXX items so my correct balance is supposed to be {$340.00}. Chime claims they have until XXXX to make a decision in my claim the ref number is Dispute # XXXX so I have been arguing w chime every Sunday about this claim and I got no results the whole time they just keep telling me to resubmit my information. XXXX. If you need to ask me any questions please call me at XXXX because I have put a lot of patience into this it's very important I receive my refund for the items I never received i can not afford to take a loss of {$340.00}. and noon else would want to be treated this way. All my other claims are resolved quickly. Why is this taking months to approve and refund my money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: SC

Complaint narrative:
During XXXX XXXX I was living at XXXX XXXX XXXX I was furloughed from work so was not able to pay rent. The city of XXXX XXXX paid the rent. I gave proper notice to move out but they continued to charge me for rent when I was not living there. they are now trying to collect over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
After countless hours of phone calls and emails I feel like our partial release has slipped through the cracks. This partial release was given final approval a month ago on XX/XX/XXXX, yet Rocket has still not recorded the land release with our county and I have not received the official Partial Release of Mortgage letter. XX/XX/XXXX - Started the process by completing all paperwork, submitting all required documents and paying the fee to process. XX/XX/XXXX- got the conditional approval letter. XX/XX/XXXX - submitted final payment to Rocket {$910.00} to complete the process and issue the final approval. XX/XX/XXXX- received an email from Rocket saying that nothing else was needed and that the partial release had been sent out to our county for recording. XX/XX/XXXX - received in the mail a letter stating that our partial release has been granted and that it would take 10-14 days from the time the letter was generated on XX/XX/XXXX for the process to be completed. XX/XX/XXXX - emailed Rocket to get status as our county still had not received anything from Rocket to release our lot. DID NOT RECEIVE A RESPONSE. XX/XX/XXXX - emailed Rocket again for an update. DID NOT RECEIVE A RESPONSE. XX/XX/XXXX - emailed Rocket again for an update. DID NOT RECEIVE A RESPONSE. XX/XX/XXXX - call multiple times and spoke to multiple people. finally was told that they needed to book number and page number that our lot had been recorded in by our county. Took two seconds to provide that to Rocket. XX/XX/XXXX - was assigned a person from Rocket to try to get resolution. Was not given a phone number or email address for this person. XX/XX/XXXX - emailed Rocket again for an update. DID NOT RECEIVE A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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:
This dispute concerns a XXXX XXXX XXXX XXXX purchase and related design/measurement services beginning in XX/XX/XXXX. The cabinetry delivered did not conform to the approved specifications, including delivery of a different cabinet finish ( XXXX XXXX instead of the approved XXXX ). During installation in XX/XX/XXXX, the kitchen layout designed and measured through XXXX XXXX was discovered to be functionally defective because it failed to account for the basement door swing, making the approved XXXX sink base unusable. XXXX XXXX acknowledged the issue and attempted corrective action. A replacement sink base cabinet was later sent, but it was also incorrect because it was the wrong depth and could not properly align with the cabinet run. The kitchen project remains incomplete and nonfunctional despite repeated attempts to resolve the matter directly with the merchant, including permitting replacement attempts and requesting resolution options. Citibank denied my billing dispute based in part on conclusions that the merchandise remained in my possession, that it should have been inspected before purchase, and that it was not returned. I disagree with these conclusions because this transaction involved custom cabinetry and related services that could not reasonably be fully inspected until delivery and installation. The defects were identified immediately and promptly reported to the merchant. I also attempted to pursue return and resolution options directly with XXXX XXXX, but adequate resolution was refused. This dispute involves materially nonconforming goods, defective replacement merchandise, and faulty design/measurement services rather than ordinary dissatisfaction with a completed purchase. Additionally, another card issuer reviewing related charges arising from the same transaction and project determined that the dispute had sufficient merit to issue a favorable resolution.

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 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XXXX of XXXX, we signed a contract with XXXX XXXX ( later named XXXX XXXX XXXX ) to install a solar system on our home. We did this due to their claim that we would more than likely eliminate our electric bill of $ XXXX. This company filed for bankruptcy in XXXX of XXXX, leaving us without service for our system. The system never seemed to work correctly. After months of waiting, someone came out and properly set up our system ( I believe they were sent out by XXXX, the manufacturer ). We were told that while the system was working, it was not enough panels to properly power a home of our size. Our electric bill is still $ XXXX and we are paying $ XXXX to Dividend Financial for the loan that was around {$80000.00}.

Company response to consumer: Closed with explanation