vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: CO

Complaint narrative:
In XX/XX/year>, I deposited a check into my Relay business checking account. Relay was unable to verify the validity of the payment and subsequently closed my account, stating they would return my funds via disbursement check. In XX/XX/year>, XXXX issued a disbursement check in my business name. However, my business had been dissolved and renamed prior to receiving the check, making it impossible to cash. Relay requested proof of dissolution, which I provided immediately. On XX/XX/year> I received an email from Relay confirming the investigation was complete and that my reissued check would be disbursed within 8 to 10 business days. On May 20-21, 2026 I received a follow-up email stating that additional investigation was needed and that there was no confirmed timeline for disbursement directly contradicting the XX/XX/XXXX communication. On XX/XX/year> I sent a formal follow-up requesting a status update and confirmed timeline by end of business XX/XX/year>. Relay responded with a non-committal acknowledgment and no actual update. It is now XX/XX/year> and I have received no confirmed timeline for funds that have been held since XX/XX/year> nearly six months. The reference number for this matter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
I attempted to have the collection removed from my XXXX account for a XXXX XXXX XXXX amount that Tek Collect claims is mines. First I disputed the amount on-line bearing no result. Then my financial counselor and I sent a dispute letter to XXXX and they refused to remove the account. I have never received any documentation proving that the account is mine. Therefore I want the collection amount removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> : My property was originally listed on the market for sale. Truist proactively contacted me and asked if I wanted to keep the home. A Truist representative explicitly stated that because my financial situation had improved, I qualified to save my home through an FHA loan modification. XX/XX/year> to XXXXXXXX XXXX : Relying entirely on Truist 's promises and instructions, I took major financial and personal steps to comply with their home-retention requirements. I pulled my home off the sales market, gave legal notice to my landlord at the property I was renting, and physically moved back into my primary residence at to begin the formal modification process. Spring 2026 : I submitted all required documentation and complied with every request from Truist. Despite my full recovery and ability to completely afford the standard contractual mortgage payments, Truist subjected me to a continuous runaround, stalling the processing of my file. Recent Action ( XX/XX/year> ) : After weeks of delays, Truist verbally informed me that they processed my results and are now forcing a short sale option. The Violation : Truist enticed me to pull my home off the market and break my rental lease under the promise of a loan modification, only to give me a rapid runaround and try to force the exact same short sale I walked away from in XX/XX/year>. They are completely ignoring my current affordability and refusing to run the mandatory FHA home-retention waterfall for a Standalone Partial Claim XX/XX/year> Property Preservation Contradiction : While I was actively complying with Truist 's instructions to relocate back to the property, Truist sent a property preservation vendor to the home to " winterize '' it before I could finish moving my family 's belongings inside. XX/XX/year> Occupancy Inspection : Last week, Truist sent another inspector to XXXX XXXX XXXX to verify occupancy. This physical inspection, combined with my late XX/XX/year> financial submission and my explicit verbal notices, proves Truist is fully aware that I am occupying this property as my primary residence. Continuing to process my file as a vacant property or short sale is a willful violation of FHA guidelines.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sunbit, Inc.
State: TX

Complaint narrative:
My credit card account is the Sunbit Card, issued by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and serviced by Sunbit Now, XXXX. On XX/XX/year>, Sunbit initiated an ACH pull of {$780.00} from my bank account as a payment toward this account. The transaction was initiated and settled the same day. My records confirm it as settled, with trace number XXXX and transaction ID XXXX. The company initiated this pull itself. The funds left my account and settled on XX/XX/year>. As of XX/XX/year>, the company has not credited the {$780.00} to my account balance. This violates the prompt crediting requirement of the Truth in Lending Act, 15 U.S.C. 1666c, and Regulation Z, 12 C.F.R. 1026.10 ( a ), which require a card issuer to credit a payment to the consumer 's account as of the date the payment is received. The company received these funds on XX/XX/year> and has failed to credit them. Because the payment remains uncredited, interest continues to accrue on money the company has already collected from me. I attempted to resolve this directly with Sunbit by phone. The representative refused to credit the payment, declined to give her name, and ended the call. I was left with no resolution and no reference number. Requested resolution : 1. Credit the {$780.00} payment to my account immediately, effective as of the XX/XX/year> receipt date. 2. Reverse any interest or finance charges assessed because the payment was not credited on time. 3. Restore the corresponding available credit. 4. Provide written confirmation of the corrected posting and its effective date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I recently received the Frontier Airlines Barclays Mastercard and I havent been able to link the credit card to my Frontier Frequent Flyer account. The Barclays customer service did not help resolve 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: WI

Complaint narrative:
CONSUMER : XXXX XXXXREGULATED ENTITY : U.S. Bank National AssociationDATE OF EVIDENCE : XX/XX/XXXX, XXXX REFERENCE : U.S. Bank Case XXXX XXXX / CFPB Case # XXXXSUBJECT : Written Admission of Systemic Failure to Accommodate under the Americans with Disabilities Act ( ADA ) and Equal Credit Opportunity Act ( ECOA ) This supplement is filed to provide irrefutable, written evidence of systemic discrimination and a documented refusal to accommodate a communication disability ( XXXX ) by U.S. Bank National Association.1 . The Written Policy Barrier : In a formal corporate response dated XX/XX/year>, issued by U.S. Bank 's Enterprise Complaints and Customer Assurance division, the bank explicitly states on its own corporate letterhead : " hardship program eligibility, terms, and enrollment can not be fully provided or completed through written correspondence alone. '' 2. Legal and Regulatory Violations : Failure to Accommodate ( ADA ) : By enforcing a rigid, structural policy that mandates non-written interaction as a prerequisite for hardship relief, U.S. Bank creates an insurmountable barrier for consumers whose neurodivergent disabilities severely impair real-time verbal or phone-based processing. A multi-billion dollar financial institution possesses the technical capacity to transmit text-based contractual terms via secure email or mail; choosing an internal workflow over a federal civil rights mandate is a failure to accommodate. Predatory Gatekeeping ( ECOA ) : U.S. Bank acknowledges that the consumer 's accounts were current and in good standing when assistance was proactively requested. However, by restricting hardship terms to non-written channels, the bank systematically blocks disabled consumers from accessing proactive mitigation programs that are readily available to non-disabled individuals. 3. Inadequacy of Digital Alternatives : U.S. Bank references its " online platform '' as an alternative. The consumer has repeatedly documented to the bank that its digital " Live Chat '' features are frequently offline, non-functional, and unavailable, leaving a forced phone interaction as the bank 's hidden mandate. Conclusion & Requested Regulatory Action : U.S. Bank has now placed its non-compliant policy into the written record. I request that regulators initiate an immediate compliance review into U.S. Bank 's hardship intake procedures to ensure they maintain accessible paths for consumers requiring written-only communication.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
I received a bank card with my old account number but a new expiration and. Cvv in the mail and was able to activate the card however chime is saying this card does not belong to me and is refusing to give me the deposit. They also started a new account In my name where the previous card is not showing up to try and hide their wrong doing thinking i didn't have proof of the deposit without the account but i do and i did. Now they are saying they are mailing me a check with the funds they can see it was deposited and I will get the funds within 30 days but I don't believe a word that comes out of anyone 's mouth at chime. They are all conspiring to keep money from customers and they are all working together to make customers feel like they are the scammers. I was provided a reference number from XXXX in the fraud department but I don't believe it's real. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MA

Complaint narrative:
On Tuesday, XX/XX/year>, I got a call from an Upgrade representative asking about how my home improvement project went and whether I had any questions about the associated loan. Prior to the call, I had attempted to set up autopay on the Upgrade website in order to be sure I paid off the loan within the no-interest promotional period. Although Autopay was apparently available, it only allowed a set amount, which was not sufficient to pay off the loan before interest would have to be paid. I asked the representative if I was missing something, and she seemed to think there was a way to do it, but was unable to locate it on the webpage. I expressed my frustration to her, and just made a manual payment. I did reach out by chat to the company on XXXX XX/XX/year> to be sure that I had the correct information. The agent on the chat verified that my understanding is correct. I think this is a practice that is designed to make it harder for people to successfully pay off their loan without ending up liable for the interest. It does not seem to me like this is a fair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to the Bank of America ATM number : XXXX on XX/XX/year> around XXXX XXXX to retrieve money, I attempted to take {$910.00} off of my XXXX card. The ATM made sounds as if it was going to dispense then switched and said the transaction could not be completed and would be reversed. I then went to another ATM thinking the transaction was reversed to realize that it wasnt at all. I immediately went back to BOA and the teller stated sometimes it takes a full day to reverse. I waited until the next day and it was never returned to my XXXX card. I spoke with the manager at the bank and she stated she was aware that the machine was giving people problems but there was nothing she could do for me since it was an XXXX card. I contacted XXXX customer service and they said it would take one month to investigate. To have to wait an entire month when already under financial strain is vile to say the least. This occurred at the Bank of America branch in XXXX XXXX at the cross streets on XXXX XXXX and XXXX 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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I am filing a complaint regarding a travel package that I purchased using financing through your company. I was the account holder and the person responsible for making payments on the loan. A passenger who was listed on the reservation, but was not an authorized user or account holder, contacted the travel company and canceled the trip. The company processed the cancellation without my knowledge, permission, or authorization. At no point was I contacted to verify or approve the cancellation, despite being the account holder and the individual financially responsible for the loan. As a result of this unauthorized cancellation, I was left with a balance of approximately {$1800.00} and have been told that I am still responsible for the debt. I believe the company failed to properly verify the authority of the person requesting the cancellation and failed to protect my rights as the account holder. I am requesting a full investigation into how the cancellation was permitted without my authorization and why I was not contacted before such a significant change was made to my reservation. I am also seeking appropriate relief regarding the remaining balance and any charges resulting from this unauthorized cancellation. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
Creditor-Trueaccord corp Account-XXXX Opened-XXXX Balance- {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I sent National Credit Systems a formal FDCPA 809 ( b ) Debt Validation Request regarding a collection account they were reporting with a stated balance of {$6300.00}. In that letter, I disputed the debt in its entirety and requested full validation before any further collection or credit reporting activity. The letter specifically required them to provide documents such as the original signed contract, proof of ownership, full chain of custody, itemized accounting, proof of assignment, and other information necessary to validate the alleged debt. The letter states : This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) I dispute this debt in its entirety. I also notified the company that under federal law they were required to cease all collection activity and cease reporting to XXXX XXXX XXXX XXXX until they provided complete validation. The letter clearly instructed that if they could not validate the debt, they must stop collection, delete the account from all credit bureaus, and stop contacting me. The document states : Under federal law, you must cease all collection activity including reporting to XXXX XXXX XXXX XXXX until you provide complete validation. Despite this written request, National Credit Systems did not provide any of the required validation documents. They also did not respond to my letter at all, and they continued reporting the collection account to the credit bureaus after receiving my dispute and validation request. This means they continued collection activity without providing validation, which is prohibited under FDCPA 809 ( b ). As of today, the company has : * Failed to provide any debt validation * Failed to respond to my written dispute and validation request * Continued reporting the disputed account to the credit bureaus * Continued collection activity despite being legally required to pause all activity until validation is provided Their failure to validate the debt while continuing to report it has caused ongoing harm to my credit profile and violates their obligations under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding United Consumer Financial Services, account number XXXX, currently reporting as a charge-off on my XXXX, XXXX, and XXXX credit files. This account is being reported with material inaccuracies and inconsistencies across all three bureaus in violation of the Fair Credit Reporting Act and I am requesting regulatory review of United Consumer Financial Services ' compliance. A review of my current credit reports confirms that United Consumer Financial Services is reporting materially different payment histories for the same account to three different bureaus simultaneously. The payment history, account status, and delinquency timeline reported on XXXX, XXXX, and XXXX are each inconsistent with one another. The same furnisher can not report different versions of the same account to three different bureaus and certify all of them as accurate. This is a direct violation of the maximum possible accuracy standard required under FCRA 607 ( b ). The Date of First Delinquency reported for this account is materially inconsistent across bureaus. Under FCRA 623 ( a ) ( 5 ) United Consumer Financial Services is required to accurately report the Date of First Delinquency. Inconsistent DOFD reporting across bureaus directly affects how long this account can legally remain on my credit file and constitutes a violation of the consumer 's rights under federal law. This account has been previously disputed through the credit bureaus. Despite that prior dispute activity no original documentation has been produced supporting the accuracy of the information being reported. The prior dispute was closed without a reasonable reinvestigation as required under FCRA 611 ( a ). United Consumer Financial Services can not certify the accuracy of this account while reporting materially inconsistent information across all three bureaus. I am requesting that the CFPB require United Consumer Financial Services to conduct a proper reinvestigation supported by original documentation and to reconcile the material inconsistencies currently appearing across my XXXX, XXXX, and XXXX credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA regarding a severe overcollection on my Apple Card account. On XXXX XXXX I entered into a legally binding Debt Settlement Agreement with Goldman Sachs to resolve my outstanding Apple Card balance. Under the terms of this executed agreement, Goldman Sachs agreed to accept a settled, full-payoff amount of {$6000.00} to satisfy the account. The original contract balance prior to this agreement was {$12000.00}. On XX/XX/XXXX my mortgage escrow/closing company mistakenly initiated a payment for the original contract amount of {$12000.00} instead of the legally agreed-upon {$6000.00} settlement amount. Goldman Sachs accepted and processed this {$12000.00} payment. Because Goldman Sachs accepted {$12000.00} on a debt that was legally settled and capped at {$6000.00}, they have overcollected exactly {$6000.00} past the legally binding payoff terms. I have contacted XXXX XXXX XXXX customer service and the recovery department to request a refund of this {$6000.00} overpayment. Front-line customer service agents have repeatedly denied my request, stating that the bank " does not owe a refund '' because the total payment did not exceed the original contract balance of {$12000.00}. This response completely ignores the fact that the signed settlement agreement legally modified and superseded the original contract balance. Goldman Sachs has no legal right to retain funds collected in excess of an executed settlement agreement. Retaining this overpayment constitutes an unauthorized collection of a settled debt and a clear violation of consumer financial protection laws. Desired Resolution : I demand that Goldman Sachs honor the executed settlement agreement, review the payment history, and immediately issue a refund check to me in the amount of {$6000.00} for the over collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
when I requested the XXXX they would not enclose any information to me about the account but still proceeded to attempt to collect debt

Company response to consumer: Closed with non-monetary relief