vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On or around XX/XX/year>, I called Midland Credit Management ( MCM ) to set up a payment arrangement on my account. I explained that I am currently experiencing financial hardship due to an unexpected and costly vehicle engine replacement that I am still paying off, and that I could only afford to pay {$20.00} {$30.00} per month at this time. Instead of working with me, the representative demanded I pay {$150.00} per month. When I said I could not afford that amount, the representative threatened that I would be sued and have my wages garnished if I did not agree. The representative also said, in words to this effect, that " the bank deserves their money. '' A supervisor was brought onto the call. The interaction felt threatening, demeaning, and designed to pressure me into agreeing to a payment I clearly stated I could not afford. I had also previously received a letter from MCM stating that my account would be referred to an attorney general and that legal action would be taken against me. I want to be clear : I am not refusing to pay this debt. I contacted MCM in good faith to try to make arrangements. I was met with threats and pressure instead of any reasonable accommodation. I was completely transparent with the representative about my financial situation, including that I am managing multiple debts at once. Rather than working with me in good faith, the representative used that information to pressure and threaten me, which made the experience feel punishing rather than productive. I am asking that MCM be required to treat consumers who come forward honestly with respect and work with them rather than against them. Regarding the Agreement : Although I ultimately agreed to a payment arrangement during this call, I want it on record that I do not feel this agreement was made freely or soundly. I agreed only after being threatened with wage garnishment a particularly coercive tactic given that I had already clearly communicated that I live paycheck to paycheck and am in genuine financial hardship. An agreement made under those circumstances, in my view, does not reflect a voluntary or informed consent to terms I can realistically maintain. I am documenting this now because I want any reviewing party to understand the conditions under which that agreement was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to formally dispute a series of recurring monthly maintenance fees applied to my business checking account. This account was opened solely because a Bank of America representative stated it was a mandatory prerequisite to secure a {$1000.00} business credit card. At the time of account opening, the representative explicitly told me that I only needed to deposit {$100.00} to set up the checking account. The representative completely failed to disclose that the account carried a {$5000.00} minimum balance requirement, or that a recurring monthly maintenance fee would be deducted if that balance wasn't maintained. Because this account was opened purely as an administrative requirement to hold funds for the secured card, I did not monitor it daily, relying entirely on the verbal terms presented by the employee. After a year, Bank of America successfully returned my {$1000.00} security deposit, but the bank continued to systematically drain my funds via these undisclosed monthly maintenance fees. I contacted customer service and escalated the issue to a supervisor. The bank issued a partial refund of XXXX months of fees " in good faith, '' but denied the remainder of the credit, directing me to a mailing address in XXXX, XXXX to pursue the matter further. Issuing a partial refund acknowledges the core merit of my claim, yet fails to make me whole for employee misinformation. I acted entirely in good faith based on the explicit instructions of a bank representative. I am demanding a full audit of this account from its opening date and a total reversal and refund of all monthly maintenance fees deducted

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am XXXX right now, and I rented a car yesterday. I had no issues paying for the deposit with the car, but then when i opened the app, my account was immediately " restricted ''. When I got home and called, it said my account was closed. The payment went through just fine, no fraud alerts, i've never missed a single payment on the card, been late, or anything like that. They basically just gave me the runaround for a while, then told me it was an automated system, not a human, that shut it down. They are mailing me a document which has information, but I am not home, so I can not receive this document, with the information. Nobody can provide me with the reason that it was closed, not via email or via notification. I just want my account re-opened, and somebody tried, and an automated system essentially rejected their request to re-open my account, and would not state the reason. It's likely " unusual spending '' or something, but it doesn't seem like that's a valid reason to close an account ... As it's simply a rental car deposit. I get a fraud alert, but closing the entire account with no explanation is biazarre.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One responded to my last complaint with you all that if I bring in my proper government issued ID they would reconsider their decision. On Monday, XX/XX/XXXX I went in person to verify my Identity to a Capital One Cafe where my Identity was verified successfully. I was told my funds were on hold and to check back within the following day because they could not reach the investigator on the case. That once they made a decision I would either be able to access my funds or close my account and a cashiers check would be issued for my {$3700.00}. When I contacted them via phone after that I was told my deposit was being sent back to the remitter because they could not verify the check which is a lie because I spoke to the Property Manager who approved the check and from where it was sent and she verified the check #, amount, that it was to go to me, and what for to Capital One back in XXXX via phone. They also said they informed the remitter that it was being sent back on XX/XX/XXXX which was also a lie because on XX/XX/XXXX I contacted the corporate office of the Remitter and asked them to cancel and reissue and they informed me it had been deposited. When I called today to Capital One they stated the check was currently in the process of being sent back to the remitter because " they were unable to link me to the business '' which is another lie because to open the acct I submitted my articles of organization for the LLC and my Fed Tax ID papers which linked me to the business. I also took those documents in and presented them in person in XXXX as well as on my first complaint with you. Capital One has held my funds for over XXXX months and can not give me a straight answer as to why my funds are now being sent back to the remitter when I have verified my identity, shown proof I am the business owner, the check cleared the issuers bank, and the check was verified by the property manager it went to me. They furthermore will not give me a date it will be sent back to the remitter so I may have the check reissued. I also received a statement from Capital One just XXXX days ago showing my deposit went through and was in my account. All is attached to this complaint. Capital One has done nothing but string this out for XXXX months keeping my account frozen and now that I was able to verify my identity have only now decided for reasons unknown to send my check back to the remitter which could possibly be another XXXX months before I can get those funds reissued. This entire ordeal with Capital One has caused me to look very unprofessional to the company I was working for and caused me to lose an {$80000.00} contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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:
In XXXX I called citibank to have my XXXX XXXX Credit Card changed from one with an annual payment of {$99.00} to one without an annual payment. Originally I was going to cancel the card but they said I could switch to one without an annual payment and that way I could keep my travel miles that were still on the card. I aggreed to this. The adjent stated that the {$99.00} annual membership fee may show up on my account but they would make sure to credit it to my account prior to when the payment would be due. In XXXX the membership fee showed up. In XXXX the membership fee remained and now had a late fees of {$29.00} and {$1.00}. I called a second time to have this addressed and originally they wanted me to pay the late fees. I told them they needed to re-imburse the late fee and credit the membership fee. The person stated that it would be taken care of after looking into the time line. They credited the late fee but then only refunded XXXX of the annual membership fee. I then got a call from the bank about the XXXX. XXXX on my account. I called back and they told me they did not understand why the {$99.00} was not credited to my account and that the way it went onto my account needed to be looked into. I now still have {$8.00} on my account that after a XXXX th phone call they want me to pay because they stated they did not guarantee they would pay the entire {$99.00}. The supervisor put in a request to have it refunded again. I have now had it with the company and hope to warn people never to use citibank, because they have wasted at least XXXX hrs of my time and are trying to steal my money with fees that are due to them and nothing that I have charged. It is affecting my credit score as well. I have officially canceled the card and now just looking for the final refund.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith & Smith Investors LTD
State: IA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Hawkeye Adjustment Account number : XXXX Dear Hawkeye Adjustment, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Best, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request a review and reversal of a {$36.00} overdraft fee that was charged to my account XXXX XX/XX/scrub>XXXX/2026 The overdraft amount was only {$0.00}, yet I was charged a {$36.00} fee. While I understand that this fee may be permitted under the account terms, I believe that charging {$36.00} for covering a shortage of only XXXX cents is excessive and unreasonable. I contacted customer service and was informed that I am not eligible for a courtesy refund because I previously received one within the last 24 months. However, I respectfully ask that my situation be reviewed as an exception. I have maintained my account in good faith and have worked to manage it responsibly. Given the extremely small overdraft amount involved, I am requesting a one-time reconsideration and refund of this fee. I would appreciate having this matter reviewed by a supervisor or the Executive Resolution Team. " I am seeking relief because the fee charged was XXXX times greater than the overdratt amount itselt. I am requesting that Truist reconsider its decision and provide a fair resolution. '' Thank you for your time and consideration. I look forward to your response. Sincerely

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 2026-06-09 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: NY

Complaint narrative:
Complaint Against Capital One I am filing this complaint regarding Capital One 's mishandling of a credit card transaction and its refusal to correct an error that has caused me significant financial harm. On XX/XX/year>, I attempted to make a purchase totaling {$600.00} using my new Capital One credit card. Shortly thereafter, I received an email from Capital One explicitly stating that the transaction had been declined because my new credit card had not yet been activated. Relying on Capital One 's notification, I reasonably believed that the purchase had not been processed. On XX/XX/year>, I called Capital One 's automated activation line and successfully activated my credit card. After activation, I proceeded to make the same purchase again because I was under the impression that the original transaction had been declined and therefore had not gone through. To my surprise, Capital One subsequently processed and charged my account for both transactions, despite having notified me that the first transaction was declined. As a result, I was charged twice for what was intended to be a single purchase. I have made numerous attempts to resolve this matter directly with Capital One. Unfortunately, I have been met with unhelpful and at times, extremely rude representatives and supervisors who have refused to acknowledge the contradiction between their decline notification and the subsequent processing of the transaction. Despite explaining that I relied on their communication when making the second purchase, Capital One has refused to provide any meaningful resolution. Both orders were shipped to a freight-forwarding address and delivered. I am currently traveling throughout XXXX XXXX and will be away for several more months, making it impossible for me to return the duplicate order to obtain a refund from the merchant as that was the merchant 's solution when I reached out to them. This situation exists solely because Capital One informed me that the original transaction had been declined when, in fact, it was later processed. I believe Capital One 's actions were misleading and directly caused this duplicate purchase. Had I not received an email explicitly stating that the transaction was declined due to the card not being activated, I would never have placed the second order. I am requesting that Capital One reimburse me for the duplicate charge of {$600.00} and investigate why a transaction that was reported as declined was later processed. I also request that Capital One review its customer service practices, as my attempts to resolve this matter have been met with poor treatment and no meaningful assistance. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
The U.S. Department of Education ( XXXX ) officially approved and closed my XXXX XXXX to Repayment case in XX/XX/XXXX. My loan service, Aidvantage, has failed to finalize the discharge and release my legally mandated refund for over 16 months, leaving my file trapped in processing purgatory. My account consists of XXXX separate, individual loan sequences. In XX/XX/XXXX, Aidvantage audited my account and applied varying negative balances to each of the 6 individual loans. These 6 distinct negative balances represent the exact refund amounts I am owed for past payments, but they have remained completely frozen and unchanged on my internal dashboard since that date. While the trade lines were removed from my credit history well over a year ago, Aidvantage has failed to update their internal accounting screens to sync with the credit bureaus, unlawfully holding my federal funds. On XX/XX/XXXX, an Aidvantage customer service representative confirmed via live chat that my " Borrowers Defense Discharge review has completed review on XX/XX/XXXX from FSA '' and that the loans are actively sitting with Aidvantage for final internal review. This took over a year since the ED had closed it on their side. Furthermore, I have officially submitted a legal name change packet directly through Aidvantage 's secure online upload portal to update my account profile to my current legal last name. Because a human auditor is actively opening my file to transition these XXXX loans from " XXXX XXXX XXXX '' to " Paid in full '', I demand that Aidvantage immediately process my pending name change profile update. I further demand that a XXXX and XXXX XXXX XXXX manually review all XXXX individual loan sequences, resolve the backend transmission logjam, and transmit the final refund manifest files to the US Treasury department under my correct legal name so my XXXX individual physical refund checks can be printed and mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
On Thursday, XX/XX/XXXX my whole account was hacked. I called and got it all fixed and put in my disputes for the activity that was fradulent. Afterwards my accounts were still restricted. They were restricted from XXXX to XXXX. I had to call to get access to any of my money. I received a notified again today, Tuesday, XX/XX/XXXX that my accounts were restricted once again. I told them there was any supicious activity on my account and it needed to be unrestricted they refused to do so. This is still stimming from the XX/XX/XXXX incident. Almost all of my money has been refunded to me expect for {$1000.00}. I was told it could take up to 90 days before I could see any of my money. Now almost a week later I am still having issues accessing any of my accounts. I have opened up new accounts and need to transfer to the money to get away from Sofi.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX is making repeated attempts to collect a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery is making repeated attempts to collect a debt I do not owe.

Company response to consumer: Closed with non-monetary relief