vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding BMO Banks improper collection and billing practices on an account that was already paid. 

I made the original payment of {$21.00}, and this payment was successfully cashed by the bank. Despite receipt of this payment, BMO failed to properly credit the account and has now demanded approximately {$200.00} in additional charges, allegedly for late fees and interest. 

These charges are unjustified and appear to stem solely from BMOs failure to properly apply or acknowledge a payment that was already made and processed. I dispute the validity of any late fees or interest assessed after the payment date, as there was no outstanding balance caused by my actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I am a fulltime federal employee working for the Department of Veteran Affairs and qualify for Public Service Loan Forgiveness ( PSLF ). 

Several months on my PSLF payment tracker have been marked " ineligible '' solely due to administrative forbearance on the due date ( including XX/XX/XXXX and XXXX ), even though I remained continuously employed in qualifying public service. 

I submitted a PSLF Buyback request through Federal Student Aid Borrower Reconsideration on XX/XX/XXXX, because these months are preventing me from reaching XXXX qualifying payments and discharge. 

My Buyback request has been pending for over 6 months with no decision or payment offer. Repeated calls to StudentAid.gov and XXXX have provided no timeline other than that requests are backlogged or PSLF department is understaffed.

I am requesting expedited review of my PSLF Buyback case, correction of my qualifying payment count, and immediate processing toward discharge.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint regarding abusive and unprofessional conduct by a debt collector during a phone call on Wednesday XX/XX/year> at approximately XXXX and on XX/XX/XXXX at XXXX XXXX. 

During the call, the collector XXXX XXXX used a hostile and demeaning tone. He told me to pay my bills and that I should save up. He also stated that we would be speaking again in a way that suggested I would be in a desperate financial position in the future. The overall manner of communication felt intended to shame and intimidate rather than provide lawful debt collection communication. 

The collector XXXX XXXX made statements about my credit and said he could not wait to place the account on my mothers credit as well. While my mother is a XXXXXXXX, the way this was communicated felt threatening and coercive. 

Additionally, the collector made statements about the original creditor that I believe were misleading. He claimed the company that reported the debt did not want to speak with me and contradicted information I had previously received indicating the account was being addressed. 

The overall interaction felt designed to pressure and intimidate rather than communicate professionally or lawfully. I am requesting review of this XXXX conduct for potential violations of consumer protection laws governing debt collection practices. 

I was also informed by the community that originally placed this account for collection that the matter was being withdrawn from IQ Data International due to a miscommunication and would instead be handled internally by the XXXX XXXX. Despite this, the collector insisted this was not possible and continued to communicate in a dismissive and demeaning manner. This added to the confusion and pressure surrounding the account and contributed to my concern that I was being given misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
On XX/XX/year> around XXXX I was contacted by XXXX XXXX XXXX XXXX and XXXX. 

I had just started my work day and received a call from a number with my area code. I had assumed it was a work call and picked up. 

I was told I was on a recorded line and this had involved a debt. I told her that I was at work and could not talk to which she had disregarded and stated that this needed to be taken care of. 

I had told her again that I was at work and could not talk and would be willing to handle this another time to which she responded that once we get it settled we could get off the phone. 

I had told her a third time that I could not talk and at that point she had become aggressive saying I hadnt responded to her calls or emails. I had cut her off and told her sternly that I was not going to argue with her and then hung up on her. 

This behavior is completely unprofessional and unacceptable. I told her I was at work and she had pushed those boundaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding a payment servicing issue I am experiencing with Tilt, a XXXX XXXX company that services a consumer credit account I hold. 

I attempted to change my scheduled payment date for tomorrow, but Tilts system would not allow me to make any changes. I am not disputing that I waited too late or failed to act ; rather, the system itself does not provide a functional option to modify the payment date, even when accessed prior to the scheduled payment. 

In addition, when I attempted to add my debit card information in order to make or manage the payment, Tilts system repeatedly failed and would not accept my debit card details. This issue occurred multiple times and prevented me from completing a payment through an alternative method. 

As a result, I am effectively blocked from managing my payment due to technical failures in Tilts platform. This creates an unfair and unreasonable situation where a consumer is unable to comply with payment obligations due to system limitations beyond their control. It also exposes me to potential financial harm such as overdraft fees, failed payments, or other negative consequences. 

I attempted to resolve this issue directly through Tilts system, but the technical failures persist and there was no viable workaround provided. 

I am requesting that the CFPB review Tilts payment servicing and system functionality practices and assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
While on an XXXX XXXX flight on XX/XX/year>, I was presented with an in-flight promotional flyer for a Citi / AAdvantage credit card offering XXXX bonus miles after {$1000.00} in purchases within the first month. Relying on those specific promotional terms, I applied for the card. 

After approval, I discovered my account was instead enrolled in a different public offer of XXXX bonus miles after {$2000.00} in purchases, which did not match the promotional materials shown onboard the aircraft. 

I contacted Citi customer service and provided proof of the in-flight promotional flyer. Despite this, Citi declined to honor the advertised offer. As a result, a hard inquiry was placed on my credit report, an account was opened under incorrect terms, and I spent significant time attempting to resolve the issue. Due to this experience and loss of trust, I closed the account. 

I applied in reliance on promotional materials presented in a controlled airline environment, and the advertised terms were not honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I took my XXXX wheeler in for repair, and XXXX days after being out of the shop after paying the mechanic and company money to fix the issue I was having with my XXXX wheeler. The problem was never fixed and I'm having the same issues as before where my XXXX wheeler now just shuts down and won't run and it was doing that before. I reached out to the repair company and I don't get a response out of them. There is also a XXXX day warranty on receipt that should be upheld. I paid for my truck to be fixed and not have the same issues when I came to the shop. Now I have the same issues and more after I picked truck up from shop. The promise of service to be fixed was not met and issues still persist. Not only that having a XXXX day warranty that wasn't upheld as well. I ended up having to take the truck to a different mechanic shop where I paid {$4500.00} to get it fixed and correct the issues the other mechanic did to the truck and charged me {$1800.00} and never fixed anything and still does not respond to me or cash app for the dispute I filed on XX/XX/year>, I paid for the repair to the repair shop, XXXX XXXX XXXX XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hello, I am filing a formal complaint regarding a dispute I filed with Chime for ATM non-dispensing transactions totaling [ insert total disputed amount ]. Despite reporting these issues promptly, I have been denied provisional credit during the investigation, which has caused significant financial hardship. 

During calls with Chimes customer service and dispute compliance teams, I was told the disputes were classified under Regulation Z rather than Regulation E, and that I am ineligible for provisional credit due to a 60-day limit.

I believe this is incorrect because : The transactions were electronic fund transfers subject to Regulation E, which requires provisional credit within 10 business days of dispute.

I reported the ATM non-dispensing errors as soon as I became aware.

Chime has failed to provide written documentation explaining the denial of provisional credit, which is my right under Regulation E.

The inconsistent information from different representatives has delayed resolution and caused undue financial hardship.

I request that the CFPB : Investigate Chimes handling of my dispute.

Ensure Chime complies with Regulation E and provides provisional credit promptly.

Require Chime to provide written explanations for dispute determinations.

Help me receive the funds owed as soon as possible.

Thank you for your assistance. 

[ XXXX XXXX ] [ XXXX ] [ Last 4 digits of Chime card- XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On the morning of XX/XX/XXXX My father sent a wire transfer in the amount of {$4000.00} to my checking account with Bank Of America. Same state transfer. 
-I currently have a XXXX XXXX XXXX stuck in my XXXX. I have to get a XXXX  XXXX  wave XXXX. My insurance does not cover the entire amount and I didnt have enough to cover the balance. My father was kind enough to wire me the remaining balance to schedule the procedure. 
All information was correct and the wire was sent to my bank, Bank of America. I was told I would receive the funds by end of the day XX/XX/XXXX. Never received it. XXXX XXXX I had to go to the XXXX  and while was being treated I contacted BOA because the funds have still not yet been released. After getting home, I waited until the end of the day to see if the funds were released. They were not. I contacted BOA wire investigation department at XXXX and they told me my wire was in compliance review, which is the process that every wire goes through before being released. They explained that the wire looked good and there were no issues or notes or anything to hold up the funds. I was told that their department closes at XXXX and it will be released by end of day. It never was released. 
I am scheduled at the XXXX  on XXXX  XXXX for the procedure and I need to make the payments today by end of day or I have to reschedule. I am I almost going into sepsis and in extreme pain. I contacted wire investigations this morning XX/XX/XXXX and they still confirmed again there was nothing wrong with the wire and they dont know why its sitting in compliance. It was escalated but I still have to sit and wait. I am now currently in pain and my health is at XXXX XXXX. I am waiting for BOA so I can get well again. Any further delays could be a XXXX XXXX XXXX for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I do not know why this company indebted is harassing both my mom and my sister for no reasons. They had been calling my mom and my sister with different phone number to collect the debt for {$69.00} for Affirm company. They have no business to contact my mom nor my sister. They sent a package to my mom 's house that listed my personal information and on the statement even listed my current address. I don't know why they didn't send it to my address but sent it to my mom. Thus, they attack my older sister the same way. They sent her a lot to text, and email with my personal information. Both of my mom and sister were shocked because they didn't know why this debt collector is going after them. I didn't really authorize them to explode or share my personal information with anyone even my family member regarding the debt for {$69.00}. This company violated the the personal privacy and now they come after my mom and sister instead of contacting me directly when they have my current address, email and phone number. I sent cease and desist letter but they would not stop harassing my family members. My mom and my sister should not be harassed regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank for their failure to resolve a billing error for a purchase from XXXX in the amount of {$1800.00} ( Dispute # XXXX ). 
On XX/XX/year>, I purchased a table that arrived with a fundamental manufacturing mismatch ( incompatible parts ). On XX/XX/year>, the merchant authorized a return and arranged for their own carrier, XXXX XXXX XXXX XXXX to pick up the item. 
The item was picked up on XX/XX/year>, and delivered to the merchants facility in XXXX, CA on XX/XX/year> ( XXXX XXXX # XXXX ). The shipment was signed for by " RECYCLED '' at the merchants location. 
Citibank has denied my dispute twice, stating that " the merchant will not honor the request. '' This is a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). Under the FCBA, a " billing error '' occurs when a creditor fails to reflect a credit for goods that were not accepted or were returned according to the merchants instructions.

Citibank is allowing the merchant to retain both the full payment of {$1800.00} and the physical merchandise. I have provided carrier-validated proof of delivery to the merchant, which the bank is choosing to ignore.

Resolution Requested : I request that Citibank immediately re-open this investigation, review the attached carrier proof of delivery, and make the {$1800.00} credit permanent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Funds sent via Remitly were misrouted or never reached the intended destination. Despite reporting promptly and providing extensive evidence, Remitly issued multiple premature final decisions without confirmation from the receiving partner bank. Investigations were repeatedly closed and reopened, partner bank communications were incomplete or nonexistent, and I was denied provisional credit due to an account suspension that occurred after good-faith fraud reporting. 

From XXXX to XX/XX/2025, I initiated multiple money transfer transactions through Remitly. These funds never reached the intended destination as expected. Upon discovering discrepancies, I promptly reported the transactions as fraudulent and provided all requested documentation in good faith.

Over the course of more than 75 days, Remitly repeatedly assured me that investigations were ongoing, that refunds would be issued, or that the matter had reached final resolution. However, multiple customer service representatives later admitted that
Remitly had * * not received confirmation or responses from the receiving partner bank ( XXXX ) * * at

the time these final decisions were issued. Despite this, Remitly closed investigations prematurely, reopened them only after further challenge, and failed to provide any concrete transaction trail showing where the funds ultimately went. I was told documentation could not be shared due to policy, while simultaneously being told that everything had been processed correctly, without proof. Compounding this issue : * Remitly acknowledged that partner bank responses were still pending * I was advised to contact the recipient despite safety concerns related to cyberstalking * I was denied provisional credit due to account suspension, even though I acted promptly and in good faith * Compliance teams issued determinations without complete information * Customer service representatives provided contradictory explanations regarding authorization, fraud classification,
and investigative authority Additionally, the receiving bank ( XXXX  ) stated that they had * little to

no information regarding the initiator of the transactions *, directly contradicting Remitlys claims that the transfers were completed successfully. I am requesting regulatory review of Remitlys investigative practices, partner bank coordination, compliance procedures, and refusal to issue a refund despite unresolved transaction routing and acknowledged procedural failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX a lawyer with a fraudulent fake judgement Drained all 3 of my bank accounts to XXXX in Elder Abuse XXXX XXXX sent me a letter 13 days later with no bond no affidavit no warning the bank did not even contract me XXXX XXXX Said oh yea I froze your bank accounts My bank accounts are Not frozen - he is a lair false deceptive trade Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi credit card payment was due on XX/XX/XXXX. I had XXXX along with an adjusted balance and paid {$2900.00} on XX/XX/XXXX ; on XX/XX/XXXX Citi charged my bank {$2300.00}, the remaining balance of my card, resulting in my bank almost overdrafting. I had to transfer funds quickly to my bank account to avoid this, which resulted in transfer fees of {$83.00}. And I also had to sell my investments to fund my bank balance, which resulted in seller fees of {$56.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I took out a personal loan from XXXX XXXX because I was trying to help my then boyfriend to retrieve his vehicle after it was repossessed! The company loan is Santander whom I wired a {$39000.00} bank wire transfer to retrieve the vehicle, in the end the ex boyfriend has not kept his promise to pay the loan meanwhile I am stuck with the bill struggling to pay it every month so that my stellar credit isnt ruined! Please help! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited approximately {$270000.00} into my Bank of America account from a legitimate home refinance. The funds were wired directly from XXXX bank, and I have full documentation including the Closing Disclosure and settlement statement. 
After sending several wire transfers, I attempted to withdraw funds at a branch and was informed that my ID is flagged. My account was opened without issue, my identification is valid, and no explanation, remediation steps, or timeline have been provided. 
Bank of America has restricted access to my funds without clear notice, written explanation, or a defined resolution process. Branch staff state that the matter is with Fraud/Compliance but can not provide contact information or a case timeline. 
This restriction is causing financial harm and appears excessive given the verified source of funds. I am requesting immediate review, written explanation of the restriction, and prompt restoration of access to my funds.

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