vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: CA

Complaint narrative:
I am submitting this complaint regarding a secured Citi Mastercard account ( ending in XXXX ) that was improperly handled after closure. At the time the account was opened, I provided a {$1000.00} security deposit. I made payments on this account consistently and did not miss any payments until after the account was closed by Citibank. The account was closed on or about XX/XX/year>, without any clear explanation provided to me. After the account was closed, I did not receive any communication explaining how my {$1000.00} security deposit was applied, nor did I receive any refund of the remaining balance. Instead, I was later contacted by collection agencies ( including XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX ) regarding an alleged balance of approximately {$260.00}. This balance has also been reported negatively on my credit report. Because this was a secured credit card, my {$1000.00} deposit should have been applied to any outstanding balance prior to the account being charged off or sent to collections. However, I have never received any documentation showing : How my {$1000.00} security deposit was applied A detailed accounting of charges and payments leading to the alleged balance Any explanation for why a balance remained after the deposit should have covered it I formally requested validation of the debt and a full accounting from Citibank, but the only response I received was a large volume of billing statements. These statements do not explain how my security deposit was applied or justify the remaining balance. The collection agencies have also only provided the same statements and have not provided any independent verification or accounting of the debt. As a result, I believe this debt is inaccurate or improperly calculated, and it should not have been reported to collections or to the credit bureaus. This situation has negatively impacted my credit report and may have affected my ability to obtain credit. I am requesting the following resolution : A full and detailed accounting of how my {$1000.00} security deposit was applied Correction or removal of the alleged {$260.00} balance if it can not be properly validated Removal of any negative reporting related to this account from my credit reports Written confirmation that the matter has been resolved Despite multiple written requests, neither Citibank nor its collection agencies have provided documentation showing how the {$1000.00} secured deposit was applied. To date, no documentation has been provided showing how my {$1000.00} secured deposit was applied.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX and I am writing to let Discover Bank to know that I have fraudulent account and need to be deleted or blocked from my credit report. The Fraudulent injuries are : XXXX XXXX Do you see information you believe to be inaccurate? Account info Account name XXXX CARD Account number XXXX Account type Credit card Responsibility Individual Interest type - Date opened XXXX2025 Status Paid, Closed/Never late. Status updated XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
On XX/XX/year>, while traveling internationally, a cab driver attempted to charge XXXX separate credit/debit cards for a single fare using a SumUp mobile payment terminal. XXXX charge was declined as fraud at the point of sale. A second charge on my XXXX XXXX corporate card was refunded by XXXX following their fraud investigation. The third charge, {$3400.00} on my ICCU XXXX card, has been denied through ICCU 's dispute process despite identical facts. I called ICCU within XXXX hours of the transaction. The representative told me an " auto dispute '' would be filed once the charge cleared pending, and no further action was needed. I relied on that assurance. When I followed up after receiving no communication, a second representative told me there is " no such thing as an auto dispute '' and there was no record of any dispute on my account. I was required to restart the process entirely. That same representative told me provisional credit would be issued during the investigation. It was not. ICCU has now issued XXXX " final resolution '' letters denying the dispute, citing chip authentication as dispositive. However, chip authentication only confirms a card was read, it does not validate a merchant charging XXXX separate cards for XXXX transaction. ICCU 's own reasoning would simultaneously legitimize all three charges, which is logically inconsistent. ICCU has acknowledged that other institutions reviewing the same transaction reached a different conclusion but dismissed this without explanation. I have received materially inaccurate information from XXXX ICCU representatives that delayed my filing and created false expectations about provisional credit. ICCU has refused to engage substantively with the core fraud argument and has closed the dispute without providing the documentation I formally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX of XXXX I attempted to apply for a modification. Citizens website to apply was not working, so I called in and was able to do it over the phone. They said Id receive something in the mail within XXXX days. I never received anything and life got crazy and I completely forgot. My ex wife got a call in XXXX and she told them to call me, they said they could only call her number as her number was on the loan and they were on a dialer. She asked them multiple times to stop calling her and to remove her number. She got a call last week and spoke to someone who told her to let me know there was a foreclosure sale scheduled. He let them know that she had helped me apply for modification back in XXXX and the person she spoke with said it was denied due to income. Confused she asked how that was possible as I bring in over $ XXXX a year. The person she was talking to then said that they had gotten the income wrong and recommended I apply again. She then called me and let me know. She is helping me to do all this. She helped me file for modification on Thursday. On Friday I got an email saying I was missing documents and with a person to contact but that contact was left blank. She called the loss mitigation dept and they said I needed to wait XXXX days even though I got that email. She asked for a reinstatement price and they said they did not have that and I must contact the lawyer. Ive tried calling the lawyer multiple times and only am able to leave a voicemail. We left a voicemail that we wanted the reinstatement price and they called back and we missed it. They said they had to request it and would mail it to us or we could email them and they'd provide it via email. Weve emailed twice and it keeps getting sent back. The other thing that is wrong about all of this, is Citizens and the lawyer they are using for foreclosure have sent documentation to my ex wife 's old address. Ive never lived there and Citizens knows that I still live in the house. I keep getting the run around and time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I purchased a 75 in tv on XX/XX/year> from XXXX. The tv was delivered to me on XX/XX/year> and less than 24 hours later, the tv stopped working. I reached out to XXXX regarding the issue and they stated they were going to send a replacement. They were supposed to send someone through XXXX XXXX given I could not bring the tv back due to the tv being too big for my vehicle hence the reason I chose to have it delivered. There was a lot of back and forth before someone was actually able to pick up the tv and I just requested a refund. After some back and forth, the tv was picked up by XXXX under tracking number XXXX. I reached out to XXXX repeatedly regarding my refund they said they never received the tv even though I was able to provide them the tracking number for the tv which showed it was delivered to them. Finally in XXXX of 2025, XXXX they said they didnt know and I needed to submit a dispute through my bank. I submitted the dispute, it was denied. When I called Navy federal and asked, I was informed by the representative that they did not understand why it was denied because I had proof the tv was returned. So I reached back out to XXXX who said I needed to reach out to CFPB. I submitted the info and Navy Federal denied it again saying I received the product that I no longer have. Navy Federal had done nothing to protect me as a consumer. I have submitted documents proving everything I have stated. Initially, I could not fault Navy Federal but as they keep denying my dispute without true resolution based on the facts, I will continue to fight. I have been stolen from by XXXX and now Im going against 2 multimillion dollar companies. I can not afford to be with out the {$650.00} that I spend on a tv that is no longer worth that dollar amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing this complaint regarding Axos Banks bad-faith denial of promotional interest on a total relationship of {$520000.00}. I attempted for the past three weeks to work it out with them, however they refuse to. To earn a higher interest rate, one way is to move more than XXXX XXXX dollars of new money into the bank. Axos uses the XXXX of each month to tabulate the interest for the month that you are in. The Evidence : My originating bank XXXX XXXX XXXX ) transmitted funds {$5000.00} via ACH Trace # XXXX at XXXX XXXX EST on XX/XX/year>. Under NACHA standards, this qualifies for next-day settlement. Willful Ignorance by Leadership : I attempted to resolve this through proper executive channels. I contacted SVP XXXX XXXX multiple times and reached out to CEO XXXX XXXX. Both have remained entirely silent. While President XXXX XXXX did respond on XX/XX/XXXX, he utilized technicalities to justify a 48-hour processing lag that is inconsistent with industry standards. The Admission : In an email dated XX/XX/year>, Axos President XXXX XXXX acknowledged the funds were transmitted on the XXXX, yet the bank failed to credit this new money until XXXX XXXXclaiming it arrived 'past the deadline ' to bump up the interest rate for the month of XX/XX/year>. Unjust Enrichment : By utilizing an intentional 48-hour 'float ' on settled funds, Axos Bank had full use of my {$520000.00} balance to generate profit for the institution while denying me the advertised interest. This practice allows the bank to benefit from client liquidity while utilizing technicalities to avoid their own payout obligations. I am seeking the {$1400.00} and change in denied interest and a formal audit of their ACH settlement and posting practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
How did number after having this bank for over 12 years they just closed my account. It says something about suspicious or something activity but theres nothing that I gave that would be suspicious. I dont understand why they out of nowhere. Just closed my account and Ive had them for so very long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2026, I placed an order with XXXX totaling {$420.00} using my XXXX credit card. The package was expected to be delivered on XXXX XXXX, 2026, but it was not delivered on that date. On XXXX XXXX, 2026, I received a notification that the package had been delivered. The tracking information indicated that the package was signed for by an individual whose name I do not recognize, and I did not receive the package. I immediately contacted XXXX to report that I never received the order. XXXX instructed me to contact XXXX. When I contacted UPS, I was informed that I could not open an investigation as the recipient and that only the shipper ( XXXX ) could initiate a claim or investigation. I returned to XXXX and explained that XXXX required the shipper to open the investigation. However, XXXX refused to assist further or initiate an investigation into the missing package. I then filed a dispute with XXXX for non-receipt of merchandise. Despite explaining the situation, XXXX denied my dispute, relying solely on the merchants claim that the package was marked as delivered. XXXX did not provide proof that the package was delivered to me, nor did they verify the identity of the individual who signed for the package. I am requesting that XXXX conduct a proper and thorough investigation and require valid proof of delivery, including confirmation that the package was delivered to the correct recipient. I am seeking a reversal of this charge due to non-receipt of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
I owed {$11000.00} to Mohela federal aid student but it's a mistake because I already paid off my student loan many years ago. All of a sudden it showed up in my credit report that I owed that amount of money. I stopped going to school in 2017 and I've already paid off my student loan. How could I still owe {$11000.00}? It's a hugely mistake. I contacted Mohela through email and I never get a respond. I called them but I was put on hold for XXXX hours. When I finally talk to a supervisor and she said there was nothing she could help and it was a glitch. The customer service was unprofessional and unhelpful. I seriously feel like I'm getting scammed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
Im writing to you guys because Cash App suspended me for no reason, they made a false claim saying I committed fraud, Ive have never did so, I was forced to take my funds out to another card, and they closed my account, this happened about XXXX years ago, I filed a appeal and they never called or answered the appeal or phone, Cash App I feel is all scammers and should not be able to treat XXXX this way

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Returned Payment Fee After Duplicate Payment Account Closed Due to Loss of Trust. Complaint : I am filing a complaint regarding a {$30.00} returned payment fee charged by Synchrony Bank for my Synchrony OnePay Cash Rewards Credit Card. On XXXX XXXX, I made a single payment of {$5.00} through the mobile app from my checking account. XXXX days later ( on XX/XX/XXXX ), a second payment for the same amount ( {$5.00} ) was processed through the mobile app without my authorization or intent. Because there were insufficient funds in my checking account at that time, the second payment was returned, and I was charged a {$30.00} returned payment fee. I contacted Synchrony Bank and spoke with both a manager and supervisor. They refused to waive the fee and stated that since the payment came from my mobile app, it must have been initiated by me. However, I did not initiate a second payment. I later contacted Synchrony through chat support, and the specialist reviewed the situation and attempted to waive the fee, but informed me that the system did not allow them to remove it. This was my first returned payment, and the duplicate payment appears to be unintended or system-related. I believe charging a {$30.00} fee for a duplicate payment that I did not intentionally submit is unfair. Due to this experience and the refusal to investigate or assist, I closed my account with Synchrony Bank because I no longer trusted the reliability of their payment system or customer service. I respectfully request : 1.Removal of the {$30.00} returned payment fee. 2.Confirmation that this incident will not negatively impact my credit. 3.Review of the duplicate payment processing. Thank you for reviewing my complaint.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed XXXX disputes with Truist regarding an unauthorized charges. Both disputes were denied without a reasonable investigation. Truist did not request supporting documentation, did not provide evidence of their findings, and closed the disputes prematurely. Under federal law, financial institutions are required to conduct a reasonable investigation before denying a claim. Truist failed to meet this obligation. I am requesting that this matter be properly reinvestigated and that I be reimbursed for the disputed amount XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX charges and an ATM CHARGE for {$600.00}

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 explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed several inaccurate charge-off accounts, collection accounts, and unauthorized hard inquiries that continue to appear on my credit reports. XXXX auto loan accounts are being reported as charged off with large balances while also showing continuous XXXX delinquency progression extending into recent reporting periods, even though the accounts have not had activity for a long time. No complete payment history, charge-off documentation, deficiency balance calculations, or verified date of first delinquency has been provided to support the continued reporting. I also disputed an unsecured loan account that was sold to another lender but continues to report as a charged-off account without proper documentation showing the transfer, zero-balance conversion, or ownership change. Additionally, several third-party collection accounts remain on my reports without proper validation. These accounts have not been supported with full chain-of-title documentation, original creditor agreements, or itemized balance calculations to prove legal ownership and accuracy of the amounts being reported. I also disputed a credit card account reporting recent late payments and a balance that I do not recognize. No billing statements or payment records were provided to validate the reported delinquency. Furthermore, I disputed multiple hard inquiries from various lenders and creditors because no signed authorization, application records, or permissible purpose documentation has been provided. Despite these disputes, the companies and credit bureaus continue to report unverifiable and misleading information, which indicates that reasonable reinvestigations are not being conducted. I am requesting immediate deletion of all inaccurate charge-off accounts, unsupported collection accounts, and unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
my card was blocked with unknown reason despite confirming all the transactions are being done by me i sent document multiple times and last document of XXXX with signed form was sent on XXXX apr as per instructions from the XXXX of president office despite that when i called fraud team they are again some story not to activate my card they are just holding things with out any valid reason and just to delay things so XXXX cant complete my welcome bonus spend target which frustating and XXXX from president asked me to contact on his direct number but the number goes to a call center and it says they will contact me within 48hrs and till date despite calling 2times i never received call back and there is no way to contact their team directly to sort this thing out their fraud team is not from XXXX and they dont even understand what i say and i am really nervous to share documents multiple times i want someone real person to work on this case and get this sorted since i already spent lot of money on fax and sending mail where there is 0 responsbility from barclays bank and every member says different story and different requirements which is very frustating till now none has called me to get sorted out and rather i called atleast 15 times with each call at XXXX each which is frustating to see such bank do exist in XXXX. Please concentrate on people who does fraud rather than dont irrirate genuine customers for so much time. if you really need to have documents from customer you should allow them to submit through their app rather than fax or mail which is prone to fraud and lost

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