vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a credit card, XXXX XXXX XXXX XXXX They offered XXXX miles for charging {$5000.00} to the card within the XXXX XXXX months of opening the card. I decided that was doable for me because I could pay my rent ( {$6000.00} ) using the card. When I went to pay my rent, the card was declined twice. When I called to inquire what was the issue, I was informed that Citi does not allow payments via XXXX which is a major provider for credit and rent payments. When I asked for the policy on this in writing Citi declined. I asked why something like this wasn't disclosed before someone signs up for the card, given XXXX is a major, well-known XXXX company and has an A+ rating with Better Business Bureau and also does not have any disclosures of not being able to use Citi XXXX cards on their platform. They responded that they can decide to deny use of the card for any reason if fraud is suspected. I said but I am telling you this isn't fraud and that was met with no further dialogue. So now I have a credit card in which i can not benefit from the sign up offering unless i decide to spend another {$5000.00} with the company. I think not being transparent with which major providers Citi doesn't work with is misleading consumers and not providing the information necessary to make an informed decision about whether or not to impact your credit by signing up for credit cards with Citi.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: OH

Complaint narrative:
I was robbed and unfortunately, I was a victim of identity theft. Also, and my numbers were used on for my XXXX to the thief purchased them purchased things with with it anyways, I did what I was supposed to what I called I did, the dispute department I sent them all the information they proceed to split my account up, split my dispute up into all kinds of different numbers make. It really difficult to do anything they never even gave me provisional credit, which I thought that was what they were supposed to do by law. I've been calling trying to deal with this for almost XXXX years now and it's getting daunting. I need your help, please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This account is false and misleading. Debt collector never sent proof of the alleged debt bearing my signature from the original application. Ive been XXXX and XXXX due to this account violation. This is a clear violation of my rights under Fair Debt Collection Practices 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
To Whom It May Concern, I am requesting assistance regarding an unauthorized transaction on my Chime debit card that occurred after my wallet was stolen on XX/XX/year> When my wallet was stolen, it contained my Chime debit card, my Chase debit card, and my XXXX XXXX debit card. Shortly after the theft, unauthorized transactions were made on all XXXX cards. The unauthorized charges were as follows : Chime : {$210.00} XXXX XXXX : {$300.00} XXXX : {$150.00} I immediately reported the theft and filed a police report. XXXX and XXXX XXXX both investigated the matter and refunded the fraudulent charges. However, Chime refused to properly investigate my claim and denied reimbursement of the {$210.00}. I submitted a copy of the police report and explained that my wallet had been stolen, yet Chime still denied my claim without providing a clear explanation. I believe this is unfair and inconsistent with standard fraud protection practices. I am requesting that Chime conduct a proper investigation into the unauthorized transaction and refund the {$210.00} that was taken fraudulently. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding TD Banks handling of my debit card fraud dispute. I reported unauthorized debit card transactions after my card was lost or stolen. TD Bank conducted a review and denied my claim, stating that valid transactions occurred after the fraudulent ones. This reasoning does not establish that the disputed transactions were authorized by me. Under the Electronic Fund Transfer Act ( Regulation E ), TD Bank must conduct a reasonable investigation and determine whether the transactions were authorized. Simply stating that other transactions occurred on the account does not prove that the disputed transactions were made by me. Additionally, the denial letter appears to reference only some of the transactions involved in the dispute. My fraud claim involved additional unauthorized charges beyond those listed in the letter. A police report has been filed regarding the theft and unauthorized use of the card, which further supports that these transactions were not made or authorized by me. I am requesting that TD Bank reopen the investigation, provide documentation explaining how their investigation determined the transactions were authorized, and credit my account for all unauthorized transactions associated with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a promotion to XXXX checking from US Bank late last year. I opened the account, scheduled 5 ACH transfers of {$5000.00} from my XXXX XXXX XXXX account ( to avoid monthly fees ). My checking account was frozen. I received a letter for verification. I followed through and did the verification asked for. The account seemingly was unfrozen as I learnt today ( I never heard back from US Bank, though ). But the remaining transfers were still rejected. Even direct deposits were rejected. And now, US Bank is levying a $ XXXX monthly fee for not having a sufficient balance in my account. I went to the XXXX branch, and they said that the fee can not be waived. This is a fee extortion scam.

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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account was deleted to identify theft with appropriate documentation provided a year or two ago. Account was added back to credit report reached out to Jefferson Capital agents refused to transfer me to dispute/fraud department. Would not provide me with information on account and would not comply with XXXX to update dispute and delete it!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The manger & bank tell was trying to deny me to deposit my check into my step dad 's bank account @ wells Fargo, XXXX, PA & they where giving us a slightly hard time about it. I will be filing a lawsuit against Wells Fargo.

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 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have been paying this mortgage just fine until the very last payment has become due. Rocket just took over, several months ago and it's been very confusing ever since. All i have left to pay is an amount less than the normal monthly payment amount, plus a few months that were deferred during COVID. I was paid-up, on-time and current. However, i received a notice saying i was delinquent and late. So, i paid two months worth. Then, a short while later, i received a paper check from rocket for the amount i just paid, 2 payments worth. I then double checked and talked with a customer service rep, who confirmed that i had paid a payment that was not reflected on the payoff amount. She said to wait for it to arrive in the mail. That was weeks ago. I can't get a hold of Rocket to help. I've called, waited on hold, got disconnected, attempted via chat and email. No answers, just continued notices in the mail. I need a corrected payoff amount or a refund of my extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
I am filing a complaint against Old National Bank XXXX, Michigan branch for obstructing my lawful access to my mother XXXX XXXX accounts. I am her courtappointed Conservator ( appointed XXXX, XXXX XXXX XXXX XXXX ), and the bank has had all required documentation on file since that time. Despite this, the branch has : - Refused to provide account balances and financial records - Repeatedly demanded the same conservatorship documents already submitted in XXXX - Delayed processing simple requests for several days - Refused to issue a written denial letter for court submission - Refused to mail the remaining account balance - Denied electronic access to the accounts These actions prevent me from fulfilling my legal duties and from managing my mothers care and expenses.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Barclays, Following your XX/XX/XXXX letter confirming that the dispute with XXXX XXXX was resolved in my favor and the {$1100.00} charge reversed, I request a full adjustment of all finance charges associated with this transaction. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), when a disputed charge is resolved in the consumers favor, the creditor must remove any finance charges related to that amount. Please review the account from XX/XX/XXXX through XX/XX/XXXX and credit all interest charges that accrued on the disputed balance. Thank you.

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 2026-03-05 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: Solar Mosaic LLC
State: TX

Complaint narrative:
I'm challenging the loan due to : Violation of the Texas Deceptive Trade Practices Act Material misrepresentation during solar sales process Deceptive sales practices Breach of contract by installer Failure of consideration Lender liability under the FTC Holder Rule ( 16 CFR 433 ) I was promised the following : - system promised 100 % energy offset + 30 % future capacity - installer requested 18 months of historical bills - system does not eliminate electricity bills I now pay electric bill + solar loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I got with a bank that provides a debit as well as a card that builds points, but the money will come directly out of my checkings. Since having this bank I never received a debit card, I have even went as far as reporting it missing, where they canceled my card but never sent me out my card which I went through the process twice. I had 2 transactions that came out my card that was suppose to be refunded back to me. It was on my statements as a pending charge but still was removed from my account. When I call 10 business days later they stating that it was reversed yet there is no proof of it being reversed or even proof that I made the purchase or got refunded. Ive complained a they were very unhelpful. Telling me it should have came back in my card. Every transaction I have made have been thru XXXX payments from people being I never got the funds back on my card. They made me obligated to use their credit system because they never provided me an actual debit card. The dates was from XX/XX/XXXX and XX/XX/XXXX XXXX transaction being XXXX and the other XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I deposited a check on XX/XX/year> for {$3400.00} into my Chase Business Checking Account. The check amount represented a 50 % deposit on a roof replacement that was to be completed by my crew that week. On XX/XX/year>, my client informed me that the check had cleared her bank, XXXX. However, I received a letter from Chase bank that they closed my business checking account on the same day I made the deposit. I have spoken with several people at Chase branches and through their business banking support phone number. At first, I was told that the funds ( via a check ) would be mailed to me at my business address but I have never received it. I was told today ( XX/XX/year> ) that the funds were returned electronically to XXXX and my client. If the funds cleared XXXX and my client 's account, then Chase can not give those funds back to my client. I believe this money is still sitting in a suspense account or some other type of account at Chase. I asked my client today if she ever received an electronic credit for the {$3400.00} and she stated that she had not and even confirmed with XXXX that no credit had been issued by Chase. The money rightfully belongs to me and my company and I would like for it to be returned as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX, I opened a savings account with Marcus by Goldman Sachs and deposited approximately {$500.00} from my personal XXXXXXXX XXXX account as an initial test deposit. Within about two weeks, when I attempted to access the account again, I found that my account had been blocked and I could no longer access it through the app. I contacted Marcus customer support and was informed that my account was under review for security reasons. I was not given any clear explanation of the issue. After several communications with the company, I later received a letter stating that my account had been closed and indicating that the closure had been requested by me. This is incorrect, as I never requested my account to be closed. Since that time, I have repeatedly contacted Marcus by phone to recover my remaining account balance. At one point I was sent paperwork to complete so that my funds could be returned to me. However, each time I follow up, I am told that my account is still under review, and the process has been repeatedly delayed. My account has now been closed for a significant amount of time, yet my remaining balance of approximately {$500.00} has never been returned to me. I have made multiple attempts to resolve this issue directly with the company, but the funds have still not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: AL

Complaint narrative:
I am submitting this complaint regarding a financing agreement processed through Health Finance Direct for a program sold by XXXX XXXX XXXX. During the sales call, I explained to the salesperson that I was not sure about enrolling because I did not have the time and mental stability for the programm. The salesperson continued to pressure me to move forward and repeatedly told me that I could do it and that it would work out. At no point during the conversation was it clearly explained to me that I was taking out a loan through a third-party financing company. I believed I was simply enrolling in a program and did not understand that a loan agreement was being created. When signing bcos i was at work I did not take out time to look at the agreement. The sales man never explained it but I signed. After signing, I later realized that I had been placed into a financed loan agreement with monthly payments. I have not participated in any coaching sessions and have only received initial access to an app. No actual coaching services have been provided. When I attempted to cancel due to my circumstances and lack of use of the program, the merchant refused and directed me to the lender. The lender then stated the merchant denied the dispute. I am requesting that this account be reviewed due to the pressure sales tactics and the lack of clear disclosure that I was entering into a loan agreement. I am seeking cancellation of the remaining obligation or another fair resolution.

Company response to consumer: Closed with explanation