vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Filed 12 debit card disputes with Ally Bank on XX/XX/XXXX for XXXX XXXX XXXX charges that used wrong merchant names and overcharged amounts vs. what I authorized. Day 10 business days expired XX/XX/XXXX. Ally sent letter dated XX/XX/XXXX stating : " On XX/XX/XXXX, we posted provisional credit to your account, which includes any interest that may apply... While we complete our research, you'll have full use of this money. '' They also said they reversed related fees. NO provisional credit or fee reversals appear in my transactions or balance 5+ days later. Called multiple timesreps refused info. Sent secure message today demanding status ; one transaction denied via message, other 11 unknown. This violates Regulation E 1005.11 ( c ) ( 2 ) ( i ) required resolution OR provisional credit by day 10. I relied on their written promise but still have no access to funds despite urgent financial need. Need : 1 ) Immediate posting of promised credit 2 ) Status of all 12 disputes 3 ) Proper Reg E compliance.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MO

Complaint narrative:
Validation of Debt Request - LJ ROSS XXXX XXXX XXXX XXXX XXXX XXXX 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Late last year, I was trying to open an account with TD Bank. I did so successfully online. I went into the branch to deposit money and was told that there were accounts that had balances. I called the customer service number and requested detailed statements to show where these balances were coming from. I did not receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: WA

Complaint narrative:
I have contacted Valon repeatedly, the last time today. Spoke XXXX XXXX ID # XXXX. I have asked for them to " Snail mail '' my year end tax mortgage forms. They say they will, but never arrive. And to add to the snarkyness, they say they can not control the Mail. I think 3 weeks is beyond enough time to receive. I requested because I currently do not possess a printer, therefore need mailed copies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened an American Express credit card that came with a 0 % introductory APR promotion for 12 months on purchases. During the first billing cycle, I missed my minimum payment because I had not yet set up autopay on this newly opened account. This was an honest oversight on a brand-new card. Without any prior warning, email, letter, text message, or in-app notification, American Express revoked my 0 % promotional APR and began charging interest at the full regular APR on my entire promotional balance. I was never informed that my promotional rate had been terminated. The interest charges are as follows : - XX/XX/XXXX : Interest Charge on Promotional Balances {$180.00} - XX/XX/XXXX : Interest Charge on Promotional Balances {$460.00} Total interest charged : {$650.00} over two billing cycles. I did not become aware that my promotional rate had been revoked until I reviewed my statements and noticed these substantial interest charges. At no point did American Express : 1. Notify me that my 0 % promotional APR was being revoked due to the late payment 2. Send any communication ( email, mail, push notification, or otherwise ) alerting me to the rate change before or after it took effect 3. Provide me an opportunity to cure the late payment and retain the promotional offer I believe the lack of notification is unreasonable and potentially deceptive. A material change to account terms the revocation of a 0 % introductory APR that was a primary reason I opened this card should require clear and timely communication to the cardholder. Charging over {$650.00} in interest across two months without ever alerting the customer to the rate change is not a fair or transparent practice. I have since set up autopay to ensure no future payments are missed. I am requesting : 1. A full reversal of all interest charges totaling {$650.00} 2. Reinstatement of my 0 % introductory APR promotion for the remainder of the original 12-month promotional period 3. Any late fees associated with the original missed payment to be waived This was a single missed payment on a newly opened account due to an autopay setup oversight not a pattern of delinquency. The disproportionate financial penalty of {$650.00} combined with zero notification from American Express is the core of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Western funding incorporated Acct. XXXX On [ XX/XX/year> ], I contacted Western Funding and was quoted a reinstatement amount of {$1500.00} to retrieve my vehicle. I was instructed to pay via XXXX and call back with the reference number. I paid the full amount immediately on [ XX/XX/year> ] through XXXX, and the funds were received by Western Funding. After the payment was received, I was contacted via phone and informed that I must pay ( the deferred balance ) to retrieve my vehicle. At no point prior to my payment was this amount quoted or disclosed. I relied on the reinstatement quote and acted in good faith, paying promptly. No written notice was provided denying reinstatement ; the denial was communicated only verbally. I do not believe it is fair or legal for the company to accept funds based on a reinstatement quote and then change the terms retroactively. I was quoted {$1500.00} as my reinstatement amount on a recorded line. I paid immediately through XXXX as instructed. The funds have been received. I was not notified of any denial until after payment was made. I relied on the reinstatement quote provided. I am requesting that the reinstatement be honored! I Relied on that representation! that can be considered unfair or deceptive practice towards the consumer. This is detrimental reliance. They agent misquoted me and then they tried to correct it after.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Good Afternoon, I initially filed a complaint and received a response, but it appears I wasnt specific enough the first time, as I was given the same standard answer I received from XXXX customer service agents. To clarify : Yes, I reported the fraud to XXXX, and yes, they issued a partial credit. However, not all of the fraudulent charges were reimbursed, which is why I formally submitted a complaint. I also mailed a detailed letter explaining the situation ( attached ), and I filed a police report ( also attached ). Despite this, XXXX considers the matter resolved simply because they credited a portion of the charges. It is not resolved, because I did not authorize any of these transactions. Whether the issue was chip-related or not is irrelevantprotecting the customer is their responsibility. In this situation, I was not protected, and instead, I was made to feel as though I was at fault. That is unfair and unacceptable. This situation has dragged on for far too long and has caused significant emotional distress. XXXX informed me that the only way to reopen their investigation was to file a police report. I went to the police station three separate times, and each time I was dismissed because they considered the matter silly or unimportant. It wasnt until I broke down in frustration that the report was finally taken. I should not be held responsible simply because it is easier to hold me accountable than to identify the actual culprit. This is not fair in any way, shape, or form, and I am requesting a proper review and resolution of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/year> Pentagon Federal Credit Union Personnel ( XXXX XXXX ) contacted a third party ( XXXX XXXX ) and provided information regarding my debt with Penfed. In this call the person talked about the amount owed and the number of missing payments. The number used by XXXX personnel was XXXX. As a callback number the person provided the following number : XXXX.

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 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
the remainder of the vehicle loan was paid off and cleared XX/XX/XXXX. DMV as of date has not received Lien release, and I have not received title of vehicle. Have been calling the lien holder ( Truist Bank ) since XX/XX/XXXX requesting Title and lien release. To date, nothing has been sent.

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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX, I was the victim of a sophisticated impersonation and social engineering scam. On XX/XX/XXXX at approximately XXXX, I was contacted by an individual claiming to be XXXX technical support and was told that my account had been compromised. I was manipulated into believing that I needed to move funds to a secure virtual wallet in order to protect them from fraudulent activity, and that the funds would eventually be transferred back into a new replacement account because my original account was allegedly compromised. Under the scammer 's direction, I deposited significant amounts of cash into a XXXX ATM and also instructed to send multiple payments through XXXX XXXX and XXXX, totaling approximately {$64000.00}. I believed I was temporarily moving my own funds to a secure location to protect them from fraud. I later discovered the funds were sent to accounts and wallet addresses controlled by scammers and were not recoverable. This was a clear Authorized Push Payment ( APP ) scam involving impersonation, deception, and manipulated consent. While I physically initiated the transactions, they were made under false pretenses. My consent was not informed or legitimate because it was obtained through fraud. I immediately notified Fifth Third Bank and filed a fraud claim. On XX/XX/XXXX, Fifth Third Bank denied my claim, stating the transactions were authorized. On XX/XX/XXXX, shortly after denying my fraud claim, Fifth Third Bank notified me that my account did not meet their " acceptable risk guidelines '' and that they were discontinuing their banking relationship with me effective XX/XX/XXXX. I filed a police report with XXXX Police Department ( report number : XXXX ) A copy has been requested through XXXX and can be provided upon request. I am requesting that Fifth Third Bank conduct a full and fair re-investigation of my fraud claim. I believe the bank failed to adequately recognize the nature of this APP scam and the fact that I was a victim of impersonation fraud. I am seeking reimbursement of the {$62000.00} lost due to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unresolved authorization hold placed on my XXXX XXXX account, issued through XXXX Bank. On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX XXXX ), a transaction in the amount of {$330.00} was attempted with XXXX XXXX XXXX Online. After I entered my card details and submitted the payment, the website froze/glitched during processing. Shortly afterward, I observed a pending charge of {$330.00} on my account. I contacted the merchant directly, and XXXX confirmed that the transaction shows as declined/failed in their system and that no funds were received or captured. The invoice on their website remains open and unpaid. Despite the merchants confirmation of non-receipt of funds, XXXXXXXX XXXX XXXX XXXX XXXX continues to hold the amount as a pending authorization and has instructed me to wait until XX/XX/year> for the hold to expire. They have refused to manually release the funds. This is unreasonable and financially harmful. Since the transaction failed and the merchant did not receive any payment, there is no valid basis for continuing to restrict access to my funds. Retaining my money under these circumstances constitutes an unjustified hold and is causing financial hardship, particularly because my toll balance has escalated toward court due to the inability to complete payment. I am formally requesting the immediate manual release of the {$330.00} authorization hold and written confirmation that my funds will be fully restored without further delay. I also request clarification of Stride Banks policy that permits holding consumer funds for a declined transaction when the merchant has confirmed non-receipt of payment. I expect prompt resolution of this matter. Thank you so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I purchased a vehicle from a dealership and financed it through a lender. This was my first time purchasing a vehicle. I provided {$1000.00} for the down payment, but the paperwork submitted to the financing company listed the down payment as {$1500.00}. I later discovered that some of my personal information provided to the financing company was also incorrect. Within XXXX days of purchase, the vehicle broke down and my mechanic identified serious mechanical issues including a defective wheel bearing and a broken XXXX axle. The dealership claimed they paid {$2000.00} for repairs, but the mechanic later stated that the dealership had not actually paid for those repairs and no receipt was provided. Additional issues appeared, and on XX/XX/XXXX the transmission completely failed, making the vehicle inoperable. I attempted to resolve the issue with the dealership, but they refused and told me to handle it through magistrate court. I am requesting that the financing company ( Global Lending Services ) investigate the inaccurate loan information and the circumstances under which this loan was originated for a defective vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was denied the ability to open a bank account due to information reported on my consumer file. I believe the information is inaccurate and/or unverifiable. I have not been able to access basic banking services because of this entry, which is causing financial hardship. I request an investigation and correction or removal of any information that can not be verified.

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding the closure of my XXXX credit card issued by Comenity. I have been a responsible cardholder for years. While traveling from New York to Arizona and preparing to fly to XXXX XXXX, my account was closed for suspicious activity without a clear explanation or meaningful opportunity to resolve the issue. The problem began when a replacement card was returned by the post office while my mail was on hold. I asked Comenity to resend it to the address where I am temporarily staying in XXXX. During that call, I could not be verified because my mobile number on file was outdated. I had attempted multiple times to update it online but was unable to do so. As a result, my account was blocked and I was told the matter would be escalated. My XXXX number was correct, but insufficient for verification purposes. I never received the promised letter with instructions. When I called back, I was told to email a copy of my ID and proof of address, which I did immediately. I received an automated reply stating they would respond within 30 days. Shortly afterward, I was informed when I called Comenity that my account had already been permanently closed. Escalations produced no explanation beyond suspicious activity, and I was told only that I could reapply. I am requesting : * A clear explanation of the specific reason for closure. * Confirmation of whether my identification was reviewed. * An opportunity to verify my identity and discuss reinstatement. It is troubling that a XXXX card intended for travelers was closed in part due to travel-related circumstances. I ask that this complaint remain visible so other consumers are aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XX/XX/year>, I was the victim of a remote-access scam in which an individual posing as XXXX XXXX gained control of my phone and screen-recorded my activity. During this incident, unauthorized electronic fund transfers were initiated from my Chase bank account to my XXXX XXXX account without my authorization, including transfers that were then converted to XXXX. I reported the fraud promptly to Chase. Chase initially issued a provisional credit, but later reversed the credit and closed the claim, stating that the matter must be resolved with the merchant ( XXXX XXXX ). XXXX XXXX investigated the same fraudulent activity and partially refunded one transaction, confirming that the activity was unauthorized. However, the remaining amount was denied by XXXX XXXX. Under Regulation E, the determining factor is whether the transfers were authorized, not the destination of the funds. These were unauthorized electronic fund transfers from my Chase account. I believe Chase failed to properly apply Regulation E and improperly denied reimbursement for the remaining stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a payment on my citibank account for {$990.00} unauth payment. Citibank credited the account the {$990.00} then sent me a letter saying they are reversing the credit back to the account. I have called and asked for supporting docs as to why, I have never received the docs. I have asked the dispute to be reopened instead I received a letter that the account was closed. This has been going on for months. Citibank needs to respond to me as to how they feel the charge was authorized. The charge was not auth and I want my money back and my account in good standing.

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