vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I am constantly being harassed by XXXX XXXX with First Financial XXXX XXXX. I do not owe anyone not sure why this company is calling harassing. And then asking me for my address I am so tired. I am a XXXX veteran dealing with health issues I am just tired l. The president has allowed this XXXX XXXX. I will be suing this company if they keep harassing me. If I owe a debt please provide debt validation 15 USC 1692g with signed application showing signature. signature for each transaction, contract with signature. title of ownership and transaction sale listing all dates. I tried to be nice over the but XXXX XXXX was rude with a smart mouth. I want this company to report anything to my credit report and I will file a lawsuit and start a class action lawsuit. I am currently staying with my elderly parents who health has declined I don't have time for extra XXXX  XXXX from this company. You trying to make me money off an account you don't own I never had any dealing with First Financial XXXX XXXX. I will be also reporting this company to the XXXX  Attorney general 's office for harassment

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding Wells Fargos improper extended hold on a check deposit. 
I deposited a check on XX/XX/year>, and the issuing bank has already cleared the funds. Despite this, Wells Fargo placed a twoweek hold and has refused to provide a consistent or valid explanation. I was given multiple contradictory reasons : first, that the issuing bank did not have sufficient funds ; then that I had not endorsed the check correctly ; and finally that the check had in fact cleared and Wells Fargo had the funds, but they would not release the hold and would just let it expire. 
The hold is for two weeks, which is an excessive amount of time and has caused immediate hardship for my family. I have done nothing to warrant this treatment. I am a longtime Wells Fargo customer with accounts in excellent standing. Every representative I spoke with, including a branch teller located XXXX minutes from my home, responded with uncertainty and dismissiveness, offering no explanation beyond sorry, that must be frustrating. 
For the past three years, I have deposited checks from this same entity into this same account without any issues. Funds have always been available the next day. This sudden and unexplained deviation is unreasonable and unjustified.

Under Regulation CC ( 12 CFR Part 229 ), the bank is required to provide a written notice stating : The specific statutory exception being applied The reason for the hold The date the funds will be available Wells Fargo has not provided this information, even after multiple requests and escalation to a supervisor. 
I am requesting that the CFPB require Wells Fargo to : Provide the legally required written hold notice, or Release the funds immediately if no valid Regulation CC exception applies.

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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I am submitting this formal complaint against Santander Consumer USA regarding a misapplied auto loan payment and the lenders ongoing failure to correct my account despite repeated attempts to resolve the issue. 
I made my auto loan payment on time and in full ; however, Santander incorrectly applied the payment and continues to report my account as past due. For more than XXXX weeks, I have contacted the company numerous times by phone and through their online chat system. I have spoken with multiple representatives and was consistently promised the matter would be resolved within XXXX hours, yet no corrective action has been taken. 
Additionally, several chat sessions were abruptly disconnected, and I was even hung up on while attempting to obtain assistance. Despite my good-faith efforts to resolve this directly with the lender, Santander has failed to correct an error that is entirely within their control. 
This inaccurate delinquency status places my credit profile at risk for damage that I do not deserve. As a responsible borrower who fulfilled my payment obligation, I should not be subjected to potential negative credit reporting due to a servicing error and lack of proper customer support. 
Thank you for your attention to this matter and for helping ensure consumers are treated fairly by financial institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing a debt reported by XXXX, with LVNV Funding LLC listed as the current creditor and XXXX XXXX XXXX XXXX as the original creditor. The alleged balance is {$9600.00}, and the stated default date is XX/XX/year>. 

I have no knowledge of this debt and do not believe it belongs to me. To my recollection, this debt has never appeared on my credit report, and I have only recently started receiving collection letters about it. I have never received any prior notice or validation from any creditor or collector before these recent communications. Given the age of the alleged debt and the lack of any prior notification, I request that your office assist in investigating this matter. 

I am requesting that this debt be formally investigated and that the collector provide verification of its validity. This should include documentation proving that I am legally responsible for the debt, a copy of any signed agreement, the date of the last payment, and any records showing the transfer of ownership to LVNV Funding LLC. 

Until proper validation is provided, I request that all collection activity cease and that this debt not be reported to any credit bureaus. If it has already been reported, I request it be removed pending the outcome of this dispute. 

Thank you for assisting me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Issue Summary : I am reopening this complaint due to a new servicing issue that arose after the servicer confirmed my loss mitigation application was complete. 

On XX/XX/XXXX, and again on XX/XX/XXXX, Select Portfolio Servicing XXXX XXXX confirmed in writing that my loss mitigation application was complete and under review. 

Despite this, on XX/XX/XXXX, SPS issued a new notice stating only : The document ( s ) received is missing pages. Please provide additional/missing pages.

The notice fails to identify : Which document is allegedly missing pages Which specific pages are missing Why the application was deemed incomplete after being formally accepted This vague and contradictory request prevents a meaningful response and appears to improperly reverse a completeness determination without explanation. 

Unaddressed Account Identification Error In addition, Select Portfolio Servicing has not responded to my prior written clarification regarding the incorrect bank account number referenced in its servicing response concerning the XX/XX/XXXX reinstatement payment. 

Specifically, SPS stated that the payment originated from an account ending in XXXX, despite being notified that the ACH payment originated from a different account, which was previously documented and confirmed in my XX/XX/XXXX submission. 

To date, SPS has not acknowledged or corrected this discrepancy, nor confirmed whether its review has been updated to reflect the correct account information. As a result, it remains unclear whether SPSs investigation and conclusions were based on accurate payment data.

I respectfully request written confirmation that : SPS has reviewed the reinstatement payment using the correct originating account, and Any conclusions or determinations have been updated accordingly. 

This clarification is necessary to ensure the servicing record accurately reflects the facts and that any loss mitigation review is conducted using correct information. 



I am not refusing to provide documents. I am requesting that SPS clearly identify what is allegedly missing so I may respond appropriately. Issuing nonspecific deficiency notices after confirming completeness undermines the loss mitigation process and causes unnecessary delay.

I am requesting CFPB review of SPSs handling of my loss mitigation application, including : The reversal of a completeness determination The issuance of vague and unsupported deficiency notices Ongoing servicing inaccuracies affecting fair evaluation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This is a XXXX  to the Respond by the company dated XX/XX/XXXX concerning the closure of my account in my first complaint. The company stated that no funds were ever deposited into the account at time XXXX closure on XX/XX/year>. I only found out about the closure when I attempted to activate the Bank Debit Card I received from the bank. Upon being informed by the bank of the closure I was told that the funds in the account would be sent to me in a Citibank Check within 30-60 days. On XXXX XXXX, I was visited by an agent from the Securities and Exchange Commission ( SEC ) at my home, who informed me that the reason for the visit was they had received a report of a large amount of cash was deposited into my account which was required by law to be investigated. This does not coinside with the claim to me that no funds were ever deposited.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
The bank keeps blocking my external transfer to put my money in my external account. They have told me they have closed my account but it is still open they have blocked me from logging in and keep denying my transfers. And refuse to give me my funds and refuse to give me proof of account. Closure.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am submitting this complaint regarding Citibanks closure of my Citi / AAdvantage XXXX XXXX credit card account shortly after opening, despite immediate remediation of returned payments and full payoff of the account. 

Timeline and facts : I opened the account on XX/XX/XXXX. 
I made my first payment on XX/XX/XXXX for {$350.00}. 
XXXX subsequent online payments from the same linked bank account were returned unpaid in the amounts of {$500.00} and {$1000.00}. 
Citibank sent email notifications stating the payments were returned and that any other scheduled online payments from that payment account were automatically cancelled. 
Once notified, I immediately corrected the issue by making a {$1000.00} debit card payment and then paying the remaining balance in full shortly thereafter ( account paid to {$0.00} balance in XX/XX/XXXX ). 

Despite immediate remediation and no outstanding balance, Citibank closed my account within the first month. 
When I escalated to Citis Executive Response Team, I was initially told the closure was due to late payments, which did not align with the account opening date or payment history. Citi later clarified the closure was due to returned payments. 

Citibank also advised that all earned but unissued AAdvantage rewards were forfeited upon closure. 

Concerns : The payments were returned due to a payment account issue, not an intent to avoid payment. 
The issue was corrected immediately and the account was paid in full. 
The account was closed without consideration of remediation or good-faith efforts. 
Earned rewards were forfeited despite eligible spending and immediate payoff. 
I requested reinstatement as an exception review without a new credit inquiry, which was denied without individualized assessment.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: MD

Complaint narrative:
Over the last two months, Ive noticed that theres been unauthorized charges used on a pay later app called Klarna. I did contact Klarna and let them know about the unauthorized charges on my account and I dont know who is the person that is using the account that was not authorized by me. There are about four charges on the Klarna account that I did not authorize such as as a a T-Mobile purchase and in doing so of trying to purchase whatever item they use, they tried to activate a credit card thats through that Klarna app then theres a charge from XXXX a XXXX from XXXX and XXXX charge from XXXX, which is a clothing store? I did contact Klarna and they did say that theyre starting an investigation report. im reporting this because Ive been charged and Ive been getting money taken out of my account for items that I did not purchase or authorize to be purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am requesting a fair and accurate representation of my credit report. For each collection account, I ask for a thorough review and verification of accuracy in accordance with 15 USC 1681e ( b ) and 15 USC 1681i. If any collection accounts can not be verified as accurate, I request that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called wells fargo in order to resolve my credit card being " temporairily disabled ''. This was because I kept trying to verify it in XXXX XXXX  with my virtual phone number ( i never got the SMS ). So i called wells fargo in order for them to unlock my credit card but when i did call their risk management team they decided to lock my account for suspicious activity so now not only can I not access my credit card but I can not access my debit card as well. After that, I tried calling them again multiple times to fix the issue but they all told me to wait XXXX hours or visit local bank to fix it. Its been XXXX  days now and I called them again today and they gave me the same answer. I'm at a military installation and I'm training so it is very hard for me to visit a local branch in person for XXXX  or so months because it is outside the military installation. I have to pay back the credit card but I can't because both my account and my credit card is locked. I do not want to incur fees and lose credit score because of this.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received several wires from an individual and his wife in XX/XX/year>. This was part of an investment exchange. The funds were processed accordingly and ended being sent back to him as he indicated through a third party. 
In XXXX he requested a return of the wire 45 days after they left my account and they were processed. 

Immediately All of my accounts at XXXX XXXX  were frozen. I had correspondence with one explanation to the wire department but there has been no other contact as an investigation is on going. It has been a month and I am dealing with returned checks and missed payments.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Repeated phone calls during prohibited hours. Received calls at : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to express my concern regarding a check I deposited electronically on Saturday, XX/XX/XXXX at XXXX XXXX. I received a confirmation email stating that the funds would be available for withdrawal on XX/XX/year>. 

However, as of today, XX/XX/XXXX at XXXX XXXX, the check is still not available in my account. I contacted customer service at XXXX XXXX, and the representative informed me that there was no specific reason for the delay and that I might have to wait until later today or possibly one to two additional business days.

This situation is both disappointing and inconvenient. If the confirmation email clearly stated that the funds would be available on XX/XX/XXXX, I would expect that timeline to be honored. Being given a specific availability date and then receiving no explanation for the delay is frustrating, especially as a customer who has been banking with Bank of America for over 20 years. 

I would appreciate clarification regarding this issue and an explanation for the discrepancy between the stated availability date and the current status of the funds. 

Thank you for your attention to this matter.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
[ XX/XX/XXXX ] Requested closure of my Bilt XXXX account, both through the XXXX support chat and through the phone. Both support was not able to perform the closure, and instead sent in an internal request + escalation for this issue. 
[ XX/XX/XXXX ] Requested an update from Bilt XXXX. Customer support noted this update request [ XX/XX/XXXX ] Support via email reached out that the account was closed [ XX/XX/XXXX ] I continuously received updates about my Bilt XXXX, and I was still able to see it on the Bilt XXXX  portal. In addition, the Bilt XXXX  portal blocked me from unlinking my bank account as it said I'm still registered as a Bilt XXXX  user ( " Bilt XXXX users require at least one bank account '' ). 
[ XX/XX/XXXX ] Reached out to customer support to properly close the account. Customer support did not do much other than say that the card might appear on the portal.

Company response to consumer: Closed with explanation