vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, my ex husband sent a XXXX XXXX payment ( the same payment he sends every month for XXXX years ) to TD bank The bank has not released the funds and has given no reason other than its in compliance. I need these funds to pay bills that support my XXXX children. The wire came from XXXX and says XXXX XXXX. XXXX supplied the fed is and so did TD Bank. I have visited TD bank on numerous occasions and called the number on the back of the card every day. Nobody can help or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREATAMERICA FINANCIAL SERVICES CORP.
State: ME

Complaint narrative:
I am filing this complaint against GreatAmerica Financial Services Corporation, headquartered in XXXX XXXX, XXXX, regarding an equipment lease and personal/entity guarantee dispute. I am XXXX XXXX, owner and guarantor through XXXX XXXX XXXX, a XXXX entity. The primary lessee on the equipment lease in question is XXXX XXXX XXXX, which is currently operating under XXXX XXXX Subchapter V bankruptcy protection in the XXXX XXXX XXXX. THE FINANCING ARRANGEMENT : GreatAmerica provided equipment financing for esthetic medical equipment Account # XXXX. The total balance now claimed by GreatAmerica is XXXX. At the time of origination, GreatAmerica failed to clearly disclose the effective annual percentage rate and the total cost of the financing arrangement. The stated contract does not reflect the true cost-of-credit when all fees, default charges, and acceleration penalties are calculated, constituting an unfair and deceptive practice under 12 U.S.C. 5531 ( CFPA ). IMPROPER GUARANTEE ENFORCEMENT : The primary lessee is protected by the automatic stay under 11 U.S.C. 362. GreatAmerica has commenced litigation against the co-guarantor entity to recover the accelerated full lease balance. GreatAmerica has failed to provide an itemized accounting of how the claimed balance was calculated, including the breakdown of principal, interest, fees, and acceleration penalties. This lack of transparency is a deceptive practice. CONTRACT TRANSPARENCY ISSUES : The lease contained a clause stating the obligation is " unconditional '' and " non-cancellable, '' yet this clause and its implications for the guarantor were not adequately explained or disclosed at signing. GreatAmerica 's standard practice of aggressive enforcement without disclosure of total financing cost warrants regulatory review. REQUESTED RELIEF : I request that the CFPB investigate GreatAmerica 's lending and disclosure practices, require them to provide a full itemized accounting of all amounts claimed, and examine whether their guarantee enforcement practices comply with federal consumer financial protection law. Complainant : XXXX XXXX Entity : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
As is standard practice, we switched homeowners insurance providers, as of XX/XX/year>, but made sure there was no lapse in coverage and that RoundPoint was reflected as mortgagee on the policy. On XX/XX/year>, we recieved a letter from RoundPoint advising that they will force place insurance if we did not provide proof of insurance ; however, no timeline to do so was provided. Furthermore, the letter only provides options to fax or physically mail proof, or use a designated website. Being 2026, we attempted several times to use the website but we kept receiving an error message stating " error saving data '' and we were never able to successfully submit our information. Aside from this, the website only allows for 3.5MB files, which are almost impossible to produce via a cell phone camera ( again its 2026 and most people dont have faxers or scanners ). Frustrated, I called RoundPoint and recieved an automated message that provided an email address, which is not provided on the original notice. To me the original notice represents a UDAAP concern as the website does not appear to work, therefore, consumers are unable to reasonably avoid excessive fees based on nothing more than having switched insurance providers. The website needs to be fixed to ensure that customers are able to access and use it in a meaningful and common manner that customers today use and the email address needs to be added to the disclosure as not to make consumers have to take additional, unnecessary, steps to prove they maintain appropriate insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been trying since XXXX to transfer my XXXX from my account with Coinbase to my Ledger offline wallet. They stop every attempt, claiming that it's " suspicious '' and it's for my own protection. I verified my ID by uploading my Real ID and doing a short video chat with someone at Coinbase. They put my account on " restriction '' until XX/XX/XXXX, but even now that the restriction period is over they will still not let me send my own crypto to my own offline wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I recently paid the business a check in the amount of XXXX due to a total loss. My account says that I owe XXXX I would like this amount reviewed and confirmed as accurate. I reached out and explained to the department supervisor that I had to purchase a new vehicle to continue getting to work and that my new payments are XXXX monthly. After speaking with XXXX she said there is nothing they can do but settle the account after I asked for a hardship request to see if they could spread out the remaining balance. They said " NO '' and refused. I than asked for the president 's info where I could file a written and formal complaint. She said that I had to speak with XXXX XXXX XXXX and that there is no one else to speak to. After hearing her lies I googled what to do and who to contact and found XXXX XXXX as the president and also XXXX XXXX and it also said that the " office of the president '' handles complaints. This company is a scam to consumers and does not take complaints seriously. They are money hungry and take advantage of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This company named MIDLAND CRED has and still is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
Very unprofessional very unorganized I paid the account in a settlement offer even though I didnt agree with the charges. Company waypoint XXXX group closed the account days after I settled it and mark me as deceased in stead of marking it as I paid it in full so the account could be updated properly. I still havent received Email of notification of the reporting updated and removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$800.00} from a Regions Bank XXXX. The XXXX malfunctioned, did not dispense any cash, did not provide a receipt, and displayed an error message. A second attempt also failed. Under no circumstances was any cash received. Despite this, {$800.00} was debited from my account. I disputed the transaction with Regions Bank. On XX/XX/year>, Regions denied the dispute, stating that the XXXX reconciliation showed the XXXX was in balance at the end of the day and therefore concluded no XXXX error occurred. I requested that Regions reopen or escalate the claim and conduct a reasonable investigation, including review of XXXX XXXX and error logs, transaction-level records, and camera footage. Regions responded in writing that the claim can not be escalated and will not be reopened without new information, and that reliance on end-of-day XXXX balancing was the basis for the denial. I believe this does not constitute a reasonable investigation under Regulation XXXX. An XXXX being in balance does not conclusively establish that cash was dispensed, and Regions has not demonstrated that XXXX logs, error records, or camera footage were reviewed. I am requesting reimbursement of the {$800.00} that was never received and a proper manual review of this XXXX malfunction.

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 2026-05-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My Citi credit card was fraudulently charged {$40.00} on XX/XX/year> at XXXX in XXXX XXXX , FL, {$740.00} at XXXX in XXXX, Fl, and {$1000.00} at Best Buy in XXXX, FL. I live and work in XXXX, FL and was nowhere near these places on XX/XX/year>. I asked that these charges be removed and they were temporarily, but then they were put back on my card. Citi claimed I " accepted responsibility '' for these transactions because the merchant reported that my account number was provided at the time of purchase. I did not make, approve, or authorize these transactions, nor did I provide my account information to the merchant in question. To properly evaluate this matter, I requested that Citi provide the documentation used to determine whether the charges were authorized, including : The transaction receipt or signed authorization The IP address, device data, or digital authorization record ( if online ) Address Verification System ( AVS ) results Any delivery confirmation or shipping address associated with the transactions The merchants response submitted during your investigation Citi has not provided ANY of these

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I am a victom of idenityt theft a man named XXXX XXXX broke into my cash app maccount, and changed the recovery email, and the recoverey phone number, and chsanged the cash app tag on the debit card, but left the account in my name, ans took {$5000.00} ofd XXXX benifts. Cash app froze my account and bloked me from the account, and is treating me as a crimanal not the victim that I am, I need transaction dated, and amount of transactions, so I am havi8ng a hard time reporting the crime for what was done to my cash app, but he is being charged on other things he has done with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
I am submitting this complaint against Reliant Capital Solutions regarding an alleged debt connected to a former XXXX XXXX XXXX XXXX account. I formally disputed this alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my dispute, the company has attempted to collect on the account without first providing sufficient validation or competent evidence that I am legally obligated to pay the alleged debt. I requested documentation including proof of ownership, the complete chain of assignment, an itemized accounting of the alleged balance, and copies of any signed agreement bearing my signature. I also instructed the company to cease communication pursuant to 15 U.S.C. 1692c ( c ). My cease and desist request included reporting or furnishing information to consumer reporting agencies because credit reporting is a form of communication and collection activity. I believe the company may be violating the FDCPA and Fair Credit Reporting Act ( FCRA ) by : Attempting to collect a disputed debt without proper validation Failing to provide sufficient documentation proving legal standing to collect Continuing collection activity after receiving a dispute and cease-and-desist notice Reporting and/or continuing to furnish disputed information to consumer reporting agencies without properly marking the account as disputed Potentially misrepresenting the legal status or ownership of the alleged debt I am requesting that Reliant Capital Solutions : Provide complete validation of the alleged debt as requested. Cease all collection activity until proper validation is provided. Cease reporting, updating, or verifying the account with any consumer reporting agency unless and until the debt is properly validated. Mark the account as disputed with all consumer reporting agencies immediately. Remove any inaccurate, misleading, or unverified information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
In XX/XX/year> I was not able to access my account online. I called the bank, they told me the account was locked and I would have to go into the branch to unlock it. When I went into the bank they said the account was locked and they had no idea when it would be unlocked. They offered me no reason why it was locked and how long it would take to reopen it.They stopped payments I sent to my other banks by cashier 's checks which I was using to pay off business expenses putting those accounts into deficit. I'm being charged fees by those banks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I ended my employment with Citibank over XXXX years ago, at which time my retirement funds were rolled over into a Citibank Individual Retirement Account ( IRA money market account ). In XX/XX/year>, Citibank flagged my IRA account due to a discrepancy in the name listed on the account. At that point, I was informed that the name on my account did not match my legal name. My full legal name includes two last names. However, Citibank has my IRA account recorded using only one last name, omitting my second last name. I have never changed my legal name. My name has remained the same since birth. This issue is not the result of a name change but an error in how my name was originally recorded by Citibank when the account was established. Since XX/XX/year>, I have made repeated attempts to resolve this issue. I have visited Citibank branches multiple times, contacted the IRA department on numerous occasions, and submitted all requested documentation to verify my identity and legal name. My checking and savings accounts have already been corrected to reflect my full legal name. However, I was informed that branch staff are not authorized to update my IRA account, and that only the IRA department can make this correction. Despite my efforts, the issue remains unresolved. I have received inconsistent and conflicting information from Citibank representatives. On multiple occasions, I was told the matter had been resolved, but I was later asked to provide additional documentation such as a marriage certificate and a W-9 form to process a supposed name change. This is incorrect, as I have not changed my name. Citibank continues to treat this situation as a customer-initiated name change instead of correcting an internal error related to the account. As of today, the IRA account still reflects an incorrect name, despite my repeated attempts to have it corrected.

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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
I was randomly asked to verify my income after using this company for over 4 years. I didnt know I could only use 1 bank to verify the income. I was denied future use of the product. When I kept stating I get funds in different banks and to accurately submit my income I will need to link multiple banks. Was told by email rep for there is no live customer support that only 1 bank could be linked. I did requested to change the current linked bank to a more funded bank account. Im now getting mixed answers about not being able to change the linked bank and having a wait a month before resubmitting. Im getting denied due to inaccurate and incomplete income and they dont have to means to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am currently serving on XXXX XXXX in Louisiana and would like to have SCRA benefits applied to my account. XXXXXXXX XXXX XXXXlegis.la.gov/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 2026-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've been trying to get help from a live service representative from EQUIFAX FOR WEEKS!. Their automated system is PROGRAMMED TO NEVER TRANSFER SOMEONE TO A LIVE PERSON. they are cutting budget and they don't care who they effect or how it effects them. Every number I call when I ask for a live rep and tell the system why I need them. It actually tells me ITS NOT WARRENTED TO CONTACT LIVE SUPPORT. GOODBYE. Really?! Seriously I can never unfreeze my credit now because they don't want to have humans work for them? I haven't even been able to get as far as viewing my credit score or history because last year I had an identity theft issue so I willingly froze all my credit on all credit beuros. Well I've lost the information needed to recover my account. I have tried contacting Equifax sooo many times!! THIS IS NOT OK. I HAVE THE RIGHT TO ACCESS MY CREDIT. THEY ARE REFUSING TO LET ME. Someone needs to step up and straighten them out. And this should be illegal what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX. Multiple charges in my account that were not authorized. XXXX various amounts. {$1.00}, {$18.00} ( XX/XX/XXXX ) XX/XX/XXXX {$2.00}, {$2.00}, {$10.00}. Saw theses fraudulent charges on XX/XX/XXXX and had my debit card changed, which made the card inactive. More charges on that account on XX/XX/XXXX. Want to close out account. Long story. I don't know if you want me to list my story here or not. To get satisfaction here, you have to hear my story. I spent over 2-1/2 hours on the phone with Chime. Let me know where you want me to write this involved story.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
This company, which I hold no contract with or have received services from, reported a collection account. Verify debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America send me a XXXX099D to my personal name and closed my personal account which is detrimentally effecting my credit and ability to make loans. This account was written of by Bank of America but it belong to Smart phone & pc repair XXXX number XXXX. Please have bank of america document proof that I signed for this as a personal and not business ein. It has negatively effected my credit standings as this was submitted to me personally.

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