vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi has a " XXXX XXXX XXXX '' federal compliance obligation, which I understand. Approximately XXXX weeks ago, Citi requested various documentation about our LLC to meet the XXXX obligation that was timely provided. However, Citi keeps pushing back that we have no business licensure or Wyoming Secretary of State documentation showing the type of business we operate. This documentation does not exist as our XXXX only holds investments. It does not actively transact business activities other than passive investments. We have already submitted entity formation documentation showing that the XXXX is " authorized to engage in any legal act. '' Citi deactivated our credit card but refuses to provide documentation of exactly what requirement we have failed to meet.

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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding PNC Banks failure to properly apply funds to my auto loan account despite having already received and processed those funds. On or around XX/XX/year>, a XXXX insurance payment from XXXX was issued to PNC Bank to satisfy a portion of my auto loan balance following a total loss. Additionally, a warranty refund check was sent to PNC Bank from the dealership ( XXXX XXXX XXXX ). I have confirmed that both checks were received and cashed by PNC Bank. It has now been more than XXXX business days since PNC confirmed receipt and processing of these funds. However, the payments have not been applied to my account balance. I contacted PNC Bank and spoke with a XXXX, who informed me that although the funds have been received and cashed, PNC uses a XXXX XXXX to process and apply these payments in batch files. I was told that this process only runs periodically and may take up to XXXX days before the funds are reflected on my account. Despite PNC Bank having possession of these funds, I am still being required to make my regular monthly car payment, and my account balance remains inaccurate. This is unacceptable and creates multiple financial harms : * My loan balance is being inaccurately reported despite funds already being received and cleared. * My credit report may be negatively impacted due to the delay in updating the correct balance. * I am unable to move forward with purchasing a replacement vehicle because my loan is not showing as paid or reduced appropriately. * I am incurring additional out-of-pocket expenses for transportation ( e.g., rideshare services ) due to this delay. * I am being asked to continue making payments on a loan that should already be reduced or potentially satisfied. PNC Banks internal processing delays and reliance on a third-party vendor should not prevent timely and accurate application of funds that have already been received and cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: FL

Complaint narrative:
I am the owner of XXXX XXXX XXXX and a licensed professional in the State of Florida. Bank of America has unlawfully blocked access to my " XXXX XXXX XXXX '' account, effectively holding my business capital XXXX and preventing me from fulfilling legal and financial obligations to my vendors. On XX/XX/year>, I attempted to use the " XXXX XXXX Bank of America '' service and received a system error stating : " Your account is XXXX '' I contacted the bank at XXXX to resolve this. During the call, the representative was deceptive, misrepresented my statements, and placed me on excessive holds in an apparent attempt to obstruct my business. Following this call, the bank retaliated by blocking the entire account. This action violates the Consumer Financial Protection Act ( CFPA ) prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Furthermore, under Florida Statute 655.79 and UCC 4-402, the bank is liable for damages caused by the wrongful dishonor of business payments. The bank has failed to provide the required " Notice of Reason for Delay '' and is intentionally interfering with my business operations.

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 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I called the company multiple times to see what amount was owed and what the settlement amount was so I could pay the debt and they stated I could not settle with them or make any payments to or settle debt due to the account being in a dispute state.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing Chase Bank 's denial of claims totaling {$770.00} ( {$270.00} via XXXX and {$500.00} via XXXX XXXX ). Chase denied the claims stating I 'authorized ' them. However, these were Induced Transactions obtained through False Pretenses and active XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Honestly, I do not know what happened because the company has not clearly stated why the account is on hold. They say it is under " investigation. '' For what? The account was placed on a security hold for XXXX days because they claim there was " suspicious behavior ''. I have no idea what kind of suspicious behavior was being conducted. We we simply withdrawing funds from the account. This was on XX/XX/XXXX or XXXX. I sent them paperwork with that verified I have " Power of Attorney '' of the account holder and they told me it would take XXXX days to investigate and review. XXXX days passed and I received a text and an email stating : XX/XX/year> Dear XXXX, The temporary restriction on your SoFi bank account has been lifted, and all functionality has been restored. We apologize for any inconvenience this may have caused. Thank you for being a SoFi member. Best, The SoFi Bank Team This information has proven to be false. I called them for an explanation and they refused to give it to me. I am complaining because they are deceptively keeping funds on hold for no reason. The account has never been overdrawn, and there is no reason to believe there is any XXXX behavior. The account is being used to supply funds to my XXXX XXXX in XXXX XXXX XXXX. This is the only source of money he has at this time. I was told the account would be on hold until XX/XX/year>. This is not acceptable. No reason was given or documentation. I asked for the name of the person in charge of the hold, and it was refused to me. My cousin, XXXX XXXX, has been extremely difficult to work with in his XXXX situation. He refuses to apply for XXXX XXXX or Social Security. I am doing the best that I can uses a couple who are being benevolent to him. XXXX needs his funds and I am not getting the cooperation needed from XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Order ID : XXXX Invoice Number : XXXX / XXXX / XXXX Invoice Date : XX/XX/year> Amount : {$150.00} Message : I am writing regarding a dispute for merchandise not received. I placed an order with XXXX under the details listed above. The package was marked as delivered ; however, I never received it. The delivery was reportedly left at a front desk without my authorization or signature, and there is no confirmation that it was received by me. I contacted XXXX, but they denied my refund request despite the item not being delivered to me. I then filed a dispute with PNC. The merchant failed to respond within the given timeframe, yet the dispute has still not been resolved. I am requesting a proper resolution of this case and a refund for the item that was not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am filing a complaint regarding an account that XXXX has inaccurately reported as delinquent to the credit bureaus. I returned the device associated with this account within the required XXXX return window and have documentation confirming the return. Despite this, XXXX continued to charge me for the device and for service usage after the return date. Additionally, I paid taxes on the device at the time of purchase, which have not been refunded. On or about XX/XX/year>, I contacted XXXX customer service, and a representative acknowledged that this was an error and assured me the issue would be corrected. However, no correction was made. As a result, this account has now been placed in collections and reported negatively on my credit report, causing damage to my credit score and financial standing. This reporting is inaccurate and in violation of my rights under the Fair Credit Reporting Act, which requires that only accurate and verifiable information be reported. I have included supporting documentation, including proof of return and records of my communication with T-Mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and misleading reporting of an auto loan account by GM Financial on my consumer credit reports. Account Name : XXXXGM FINANCIAL Account Number : XXXX This account reflects a repossession that occurred in early XXXX, followed by a charge-off. However, the way this account is being reported is inconsistent, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). The following issues remain unresolved despite prior disputes : 1. The account is being reported as both charged off and currently past due with a past due amount of {$4200.00}. After a charge-off, an account should not continue to be reported as actively past due. This is contradictory and misleading. 2. The reported balance of {$4200.00} is not supported by any documentation. There has been no breakdown provided showing how this amount was calculated after the repossession and sale of the vehicle. No auction records, sale price, or deficiency balance calculations have been provided. 3. The payment history reflects continuous charge-off status month after month, which appears to artificially extend the negative impact of this account rather than accurately reflecting a static charged-off account. 4. The repossession is not clearly identified as voluntary, resulting in incomplete and potentially misleading reporting. 5. The account reporting is inconsistent with Metro 2 compliance standards and does not meet the requirement under FCRA 623 ( a ) ( 1 ) ( A ) to report information that is complete and accurate. I have made good faith efforts to dispute this account and request proper verification ; however, the responses received have been insufficient and fail to provide the required documentation to substantiate the accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
the pre paid card that was given to me that i did not apply for was supposed to be XXXX limit and i fund the card. The advertisement said that after a 3 month period and if i deposited more funds that credit limit would be raised. I funded the account and then my funds where gone. I contacted the bank which told me that there was a hold due to the fact that i put more funds in. It took months but no resolution. I have closed account but on my report it shows a 5 dollar balance which is hurting my credit. I fund the card and had over the amount so why do i owe 5 . this is the XXXX to 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 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have to date, audio recordings of a telephone experience with Sofi bank which entails numerous gross responses and interactions on the part of Sofi, including hanging up the telephone line immediately after giving my name and email address in an effort to be assisted, extended dead air times, representatives and supervisor refusal to assist me in a manner that engages customer-centeredness and without bias. Repeatedly asking questions when receiving appropriate answer and rewording same questions in an effort to delay timely assistance to customer via telephone. refusal to transfer to supervisor upon repeated requests and without customer verbal escalation requests. A repeated demonstrated of non-proactiveness on the part of Sofi to assist and resolve minor level resolution. Customer told to call back as calls were abruptly ended by Sofi representatives. Asking customer questions for verification as customer answers the refusal to allow customer to complete sentences for said verification. Over talking customer so as to not adhere to customers ' requests for assistance. These interaction from Sofi telephone representatives, XXXX XX/XX/year>, XXXX and XXXX other reps XX/XX/year> are believed to be biased due to ethnicity and race on the part of customer who is not, XXXX, XXXX or from the XXXX decent, a known and repeated ethnicity demographic advertised via social media and public television. When alerting this belief to Sofi representatives there was not at anytime a rebuttal and or denial of the belief from Sofi representatives during customer interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am disputing a medical debt of approximately {$2000.00} originating from XXXX XXXX XXXX XXXX ( XXXX, GA ), currently being reported/collected by Credit Management Company XXXX XXXX ) XXXX The grounds for this dispute are as follows : Lack of Original Notice : I never received an initial bill or notification of this debt from XXXX XXXX XXXX XXXX. This is a violation of the XXXX Surprises XXXX ' and federal guidelines which require providers to give patients a reasonable opportunity to pay before involving collections. Inaccessible Creditor : The contact information provided online for XXXX XXXX XXXX XXXX is non-functional, preventing me from verifying the debt or discussing payment. Premature Credit Reporting : This debt was sold to XXXX and placed on my credit report without me ever being afforded a XXXX validation period or a bill of services. Violation of Regulation F : Under CFPB guidelines, debt collectors must have a reasonable basis for asserting that the debt is valid. CMC has failed to provide substantiated documentation that this debt was accurately billed to me in the first place. I request that CMC immediately cease collection efforts and remove this item from my credit report until the original creditor provides a full itemized statement and proof that a bill was mailed to my correct address prior to the account being sent to collections. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: WI

Complaint narrative:
I purchased vehicle from XXXX in XXXX and was sold to me as one owner and was not. It came from XXXX and had couple owners. I had vehicle for XXXX weeks XX/XX/year> and deer hit me on XX/XX/year>. I had progressive insurance and car was taken to caliber collision in XXXX and swapped out my whole car. Car was not properly fixed to original condition and was fraudulent between people. The lender prestige acknowledged the same reaction but sold a {$30000.00} car for {$12000.00}. The car was never inspected and was undrivable. There was no pre inspection or post inspection done on my car. No data showing any type of records or scan on the vehicle. They took a vehicle that was unsafe and never resolved issue. Nothing besides bad credit report that is not correct. The car was used fraudulently to begin with and not one company helped me resolve the issue properly and professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
I registered my children for a summer camp that they had already attended successfully twice. The owner of the camp business was in communication with me up until right before full tuition was due. She was acting like everything was normal. Then a few days after sending the full payment ( {$4800.00} ) she emailed me and explained the comps insolvent and they have to close immediately. Camp is canceled and they arent going to refund anyones tuition. I immediately called my bank and explained the situation and they put me in hold for a bit then came back and said they cant do anything. So they didnt even attempt to dispute or recall the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint concerns the handling and investigation of a dispute involving debit card electronic funds transfer transactions on my checking account. The transactions in question were debit card purchases that were authorized at the time of transaction against my available balance. At the point of authorization, the bank approved the transactions based on sufficient available funds. However, these same transactions were later classified as overdraft activity when they settled, despite the absence of any explanation or supporting documentation showing how the account transitioned from sufficient funds at authorization to an overdraft condition at posting. I previously filed a dispute with the bank. The bank closed the complaint but did not provide a reasonable investigation or supporting records. Specifically, the bank did not provide : Authorization timestamps for the disputed transactions Available balance at the time of authorization Settlement or posting time details Hold placement and release information A complete transaction history covering the relevant period Any explanation of how overdraft determinations were calculated Instead, the bank provided only partial transaction listings and overdraft notices without demonstrating how its conclusion was reached. Additionally, the bank initially indicated that the investigation could take up to XXXX days, but issued a response within approximately XXXX days without providing underlying data or a meaningful explanation. Because my account does not permit debit card transactions to be approved without sufficient funds, each transaction should have been authorized only when sufficient available balance existed. The bank has not addressed this inconsistency or provided supporting evidence for its determination. This complaint concerns the adequacy of the banks investigation and its compliance with Regulation E ( 12 CFR 1005.11 ), specifically the requirement to conduct a reasonable investigation and provide a clear explanation supported by transaction-level records. I am requesting : A full and documented explanation of how the overdraft determination was made Production of authorization and settlement-level records used in the banks review A complete transaction history for the relevant period XXXX Reconsideration of the account determination if it can not be substantiated with supporting data

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Repeated calls from Kansas Counselors in the attempt to collect for medical debt. They call from many different phone numbers and always mask the caller ID so that I can not know who is calling. When I did answer, they informed me of who they are and why they were calling WITHOUT first verifying my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed a {$42.00} debit transaction for an event ticket originally scheduled for XX/XX/year>. The merchant postponed the event to XX/XX/year> after purchase. I was unable to attend the rescheduled date. I contacted the merchant and was told to contact my bank. I filed a dispute with Capital One. The claim was denied, then later reopened after I submitted documentation proving the original date and postponement. Despite this reopened claim and submitted evidence, Capital One reversed the provisional credit on XX/XX/year>. When I called, representatives gave conflicting information, including that prior calls had no notes and they could not verify my submitted documentation. I am requesting a proper review of the reopened claim, confirmation that my evidence was received, and correction of any mishandling of the dispute.

Company response to consumer: Closed with explanation