vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a CITI checking account and used my card exactly 2 times. After the second time I received an email asking if it was me, which I responded yes to. CITI then put a hold on my account and I can't use it for any reason. I have called many time but haven't received any information on what to do except they will send me a letter to take to the nearest branch to verify my identity. I explained that the closest branch was 2 hours from me and that I responded to both email and texts but they are still holding my money. I recently had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a XXXX XXXX as well as XXXX and am on XXXX I can't handle this alone, please help. Now I'm trying to close my account but getting the run around.

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
OneMain Financial is making harassing phone calls AGAIN. There is absolutely ZERO reason to call me back to back 4 times in a row - ESPECIALLY without leaving a message at any time! If someone doesn't answer their phone, they are busy. Leave a message and wait for a call back. The lady then gets defensive and said this is the first time she called today.... then WHY do I have THREE missed calls all within the SAME MINUTE?!?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
am filing a complaint regarding a fraudulent and inaccurate charge related to a XXXX XXXX XXXX XXXX rental. I rented a vehicle and returned it as instructed. The company later claimed over {$3000.00} in undercarriage damage that I did not cause. The vehicle was already in that condition when I received it. I disputed this charge with my credit card company, Capital One, under the Fair Credit Billing Act. Initially, the charge was removed, but it was later re-applied after the merchant responded. I do not agree with the outcome, as the damage claim is false and unverified. This has now resulted in a charge-off account on my credit report with Capital One, as well as a separate collection account from XXXXXXXX XXXX XXXX XXXX on behalf of XXXX. This is causing duplicate reporting of the same disputed and invalid debt. I am requesting a full investigation, removal of the inaccurate charge, and deletion of both the charge-off and collection account from my credit report. The rental company has not provided sufficient proof that I caused any damage to the vehicle. I am requesting documentation including inspection reports, photos before and after rental, and proof of liability. This situation is negatively impacting my credit due to an invalid claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: FL

Complaint narrative:
In addition to failing to provide settlement services for the majority of the accounts we enrolled two years ago, Citizens overcharged us {$15000.00} in excess program fees. After being passed around to multiple people at Citizens for months, we finally got in touch with XXXX ( a Director at Citizens ) who agreed to the following... -The overcharged fees or " reserves '' will be used to pay off the remaining balance of five settled accounts before XXXX, Fri., XX/XX/year>. -Due to the lack of action/communication by Citizens on the initial settlement of one account, Citizens will apply a {$1000.00} credit to the reserves. That brings the total reserve balance to {$16000.00} -Any overcharged fees remaining once all the above payoffs have been made will be refunded to us by Citizens by no later than Mon., XX/XX/year>. This will be calculated by subtracting payoff amounts sent via RAM from the total reserve balance ( {$16000.00} ). Today, XXXX handed us off to XXXX which, based on the history with Citizens, concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$130.00} USD ( XXXX XXXX ) through Western Union ( XXXX XXXX ) from XXXX XXXX, CA to XXXX, XXXX for cash pickup. The intended receiver never collected the funds. When she attempted to pick up the money, she was told it had already been collected by someone else. This was an unauthorized pickup. I immediately contacted Western Union to report the issue. I was informed that an investigation would take up to 20 days. It has now been over 30 days, and I have not received any resolution or meaningful update. I requested proof of who collected the funds, including identification details, pickup location, and a signed receipt. Western Union has refused to provide this information. This situation indicates either fraud or a failure in Western Unions identity verification procedures, as the funds were released to an unauthorized individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened up a checking account with Chase bank about 6 years ago. I made a third party check deposit which Chase Bank did end up cashing. Shortly after I cashed the check Chase closed my account for suspicious activity. They provided absolutely no help around that time. Since the check was already cashed there was no way to get another check re issued. I was told after a certain period of time these funds should have been handed over to the State but they have not. 6 years later and Chase bank are still holding my funds hostage which was confirmed by a Chase employee. The check was around {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am submitting this complaint regarding a fraudulent collection account reported by LVNV Funding LLC on my credit report. Account Details : Company : LVNV Funding LLC Reported Balance : {$9000.00} Status : Closed / Collection Date Reported : XX/XX/year> I am a victim of identity theft and did not open or authorize this account. I have no contractual relationship with LVNV Funding LLC, and I have never received any goods or services related to this alleged debt. Despite this, the account has been reported on my credit file, causing significant harm to my credit profile. Additionally : The account shows 100 % of the original balance still owed with no payment history from me. I have disputed this account, and it is marked as account information disputed by consumer, yet it remains on my report. The furnisher has failed to provide adequate verification proving this debt belongs to me. Requested Resolution : Immediate deletion of this account from all credit reporting agencies and written confirmation that the account has been removed. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and furnishers must conduct a reasonable investigation. Reporting a fraudulent account without proper verification is a violation of federal law. I have also filed an Identity Theft Affidavit with the FTC. Please investigate this matter and ensure the removal of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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:
XX/XX/year> at XXXX XXXX : The representative spoke to me in a degrading and abusive manner. He made inappropriate comments about my personal finances and age. He also falsely stated they could see my bank account activity. When I explained I had a recent death in my family, he responded by asking when my aunt died and said " lets pull up her obituary then '', which I found extremely distressing and unprofessional. He pressured me to make a payment immediately and threatened legal action if I did not call back by Monday. His tone and comments were distressing and caused me significant emotional discomfort. I felt intimidated and pressured to make a payment immediately. He stated that if I had l had kept up communication with him, I wouldn't be sitting in my car at work crying in the parking lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am submitting this complaint regarding an unexpected account offset performed by TD Bank on XX/XX/XXXX, in the amount of {$320.00}. On that date, I discovered that {$320.00} had been withdrawn from my account without prior notice. When I contacted TD Bank for clarification, I was informed that the withdrawal was an offset applied toward a previously charged-off account. The representative also advised me that this account had been charged off since XX/XX/XXXX. However, since that time, I have received no communication regarding the debtno phone calls, emails, or written notices informing me of a balance owed or providing an opportunity to resolve the matter prior to this action. While I am not disputing that the balance may be owed, I am concerned about the manner, timing, and lack of communication surrounding this offset. As a customer of TD Bank for over three years, I have maintained a consistent relationship, including regular direct deposits. Given this history, I requested a temporary reversal of the offset until my next payday, as the withdrawn funds were needed to cover essential expensesspecifically, my childs daycare. Unfortunately, the representative informed me that no such accommodation or grace period could be provided. This situation has placed me in significant financial hardship. As a single parent working over 80 hours per week, I strive to meet my financial obligations responsibly. The removal of these funds without flexibility has made it difficult to manage necessary, time-sensitive expenses. I have previously held TD Bank in high regard and have recommended the institution to others based on positive experiences. However, this situation has raised serious concerns about customer support, transparency, and consideration for hardship circumstances. I respectfully request that TD Bank review this matter, including the lack of prior communication, and consider providing a temporary reversal of the offset or an alternative resolution that would allow me to meet my immediate financial obligations. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$2400.00} I have Constantly asked all companies to please stop harassing me for these fraudulent accounts that i did not authorize. The calls the threats has not stopped these accounts and calls are negatively affecting my mental health and lively hood tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has been promoting its XXXX program and encouraging customers to spend at selected merchants in order to receive advertised cashback rewards. I made qualifying purchases at two different participating merchants ( XXXX and a local restaurant ), but I did not receive the cashback offers that were promised. I contacted Bank of America multiple times, and each time I was given a different case number and told the issue would be resolved. Despite these assurances, I have not received the cashback rewards, and the bank has not provided a clear explanation or solution. I am filing this complaint because I have been unable to get assistance or a consistent response from Bank of America.

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 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I used a Synchrony Bank Care Credit Card for some medical treatment i needed on XX/XX/XXXX for a total of {$14000.00} I thought the promotional interest rate was 24 months. I have paid my monthly payment on time every month and never been late. As of XX/XX/XXXX I had paid my balance down to {$8000.00}. On XX/XX/XXXX They charged me {$7300.00} in interest bringing my balance to {$15000.00}. Since I do not receive mail statements because they encouraged me to do online statements I did not realize the charge had been made. On XX/XX/XXXX I saw my auto payment had doubled. I logged into my account and saw the charge for the interest. I called Synchrony bank & they had told me my promotional balance had ended and that it was only for 18 months. I pleaded with the rep to reverse the charge & told them I would even pay the original balance in full. The rep declined. I escalated to the supervisor & they told me the same thing & declined to reverse. I even asked for a new promotional rate or even offered to pay half the interest rate and they declined. I called back a second time to get some more information and got a different rep. I pleaded with her to reverse the charge & she cam back and said unfortunately you are past the 30 day window by 1 day for a courtesy reversal so there is nothing we can do. I also would like to note that they don't send online statements. They send an email stating my monthly statement is available if I log into my account. I have been with them for years & I have never had a late payment. Additionally they are now charging me 32.99 % on my balance. I would upload documents below but I can't even see the original charge online. I had to call and request the exact date & I had to request a copy of the statement.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am submitting this complaint regarding Barclays improper handling of an unauthorized fraudulent transaction on my credit card account. The disputed transaction is an XXXX charge in the amount of {$68.00} dated XX/XX/year>, which Barclays denied as fraud and is now billing to my account despite the fact that I never authorized or made this purchase. At the time of the transaction, I was traveling overseas and was physically outside the country, making it impossible for me to have completed this purchase myself. I did not approve this transaction, did not provide my card information for it, and had no involvement in this purchase. I also verified my XXXX account and there is no record of this transaction, order, or related purchase history. My credit card was never linked to my XXXX account, which strongly supports that this was an unauthorized charge and not a legitimate purchase made by me. Since reporting this fraud, Barclays has kept my card locked, yet they continue billing me for the disputed amount. It is unreasonable to restrict my account access while simultaneously holding me financially responsible for a transaction I did not authorize. I contacted Barclays on four separate occasions attempting to resolve this issue and was repeatedly redirected without meaningful resolution. Barclays stated they had evidence supporting the transaction ; however, the evidence provided was not accessible for proper review. The link they supplied did not function, preventing me from verifying, challenging, or responding to the alleged proof. Barclays also issued a provisional credit during the fraud investigation and later reversed it after claiming merchant documentation supported the charge, yet they failed to provide that documentation in a usable form despite multiple requests. Despite the lack of accessible evidence, Barclays closed the investigation, denied permanent credit, reversed the provisional credit, and held me responsible for the charge. I believe this demonstrates an inadequate investigation and failure to properly evaluate an unauthorized fraud claim. A financial institution should not deny a fraud claim while relying on inaccessible or unverifiable evidence. The burden of proving authorization can not be met by referencing documentation the customer can not review. I am requesting that Barclays be required to reopen this investigation, permanently reverse the fraudulent charge, remove any related interest, fees, or negative account impact, provide full accessible documentation supporting their denial, and correct the improper handling of this dispute.

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 2026-04-24 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: IL

Complaint narrative:
CitiBank fails to report my account fully paid via settlement to every credit reporting agency. Rather, CitiBank faslely reports that the account is still open and has a balance owed. My account was sent to collections at XXXX XXXX XXXX, as agent for CitiBank, in which I entered into a contract for a lump sum, {$4000.00} up front, followed by 18 additional monthly payments of XXXX for a total of {$6500.00}. CitiBank in or around XXXX XXXX, took back the file from XXXX XXXX in order to administer it themselves. After seeing the contract in my file, CitiBank attempted to return the file to XXXX XXXX XXXX to be administered. Each and every manager tried and they could not complete it. CitiBank has now received all {$6500.00}, the entire amount of the settlement. I have numerous calls to Customer Service, speaking to managers a total of 6 times including a senior manager. I have written 5 certified letters to CitiBank including copies to The President Office and Legal/Recovery Team . Each and every manager promised to shortly get back to me. These are all documented in my file at CitiBank as well as their voice recording as they see the contract and payments in my file but don't know how to apply it. To date I have had no response. My credit report falsely shows a balance due.

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 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I am filing this complaint because two XXXX XXXX XXXX XXXX Loans were disbursed in my name without my knowledge or consent. According to the XXXX XXXX XXXX XXXX, it has been legally decreed that I am not responsible for these debts, as they were taken out by my ex-wife.Loan Details : Loan XXXX : Disbursed on XX/XX/XXXX in the amount of $ XXXX.Loan XXXX : Disbursed on XX/XX/XXXX in the amount of $ XXXX.Total Debt : {$96000.00} plus outstanding interest.Timeline and Actions Taken : Legal Decree : A court in Michigan ruled that I am not the rightful debtor for these loans.Application for Discharge : I submitted a " Loan Discharge Application : False Certification ( Identity Theft ) '' to the loan servicer.Servicer Response ( XX/XX/XXXX ) : The company acknowledged receipt of my application but is still requesting proof of address from XX/XX/XXXX and XX/XX/XXXX, as well as banking information from those years.School Communication : The Director of Student Financial Services at the involved university ( XXXX ) stated in XX/XX/XXXX that they have already submitted all requested documentation to the servicer.Current Status : My account is in a 120-day Identity Theft Forbearance effective from XX/XX/XXXX through XXXX.The Problem : Despite the court order and the university 's claim that they have provided the necessary files, the servicer continues to request additional personal documentation from years ago that is difficult to obtain. I am also filing an FTC Identity Theft Report to further substantiate that these loans were the result of criminal identity theft. I request that these fraudulent loans be fully discharged and all associated adverse history be permanently removed from my credit reports.

Company response to consumer: Closed with explanation