vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Kramer and Frank made false statements to a government entity, specifically the CFPB when they made false statements saying that they have never contacted me up until recent, which would mean XXXX. The truth is they have been contacting me against my request since as early as XXXX. On each occasion, there are told not to contact me for any reason at all this includes all accounts any any issues XXXX they foolishly rushed to court against me before they verified that an account was mine. It was under XXXX XXXX. I do not have an account with this bank and they quickly agreed to that fact, and with through the case, however it still remains on the public court system the public court system is called XXXX XXXX, and entries on XXXX XXXX damage or online reputation. This has been extremely stressful for me and very time-consuming, explaining this to the court that it shouldnt be on case net because Ive never had an account with XXXX XXXX It was determined by the courts that Kramer and Frank would be the one to have to file an entry to have it removed from XXXX XXXX They have not done so yet and its been extremely damaging to me and extremely stressful. Of course I have contacted Kramer and Frank numerous times to have this entry removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I have filed now three complaints for this similar issue. Kramer and Frank has been contacting me since XXXX. On each occasion, they are advised theyre not to contact me for any reason whatsoever They are not to contact me or my associates or family. Despite the numerous request, they still continue to contact me Through my CFPB complaint, they have misrepresented to this government entity that they have never contacted me at all except for the most recent interaction in XXXX. They are aware that that is a false statement. Please see the screenshot where they have contacted me starting as early as XXXX. They are violating federal laws when they misrepresent the truth to this government agency under penalty of perjury by stating theyve never contacted me except for recently Federal lawspecifically 18 U.S. Code 1001makes it a federal crime to knowingly and willfully make a materially false or fraudulent statement to any branch of the U.S. government. This applies regardless of whether the collector is acting on behalf of an agency, submitting documents for an agency 's review, or being questioned under oath. Once again, Kramer and Frank is not to contact me for any reason whether it be for the current issue or any issue in the future. They are not to contact me or my associates for any reason. As further stated I will not pay them anything I live on permanent Social Security XXXX so the point is moot. I also have a federal lien against me for approximately {$700000.00} so contacting me is moot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I am trying to log in to my account at Mohela and Everytime I try to log in it says they dont have an account for me. I am certain that my loan is with Mohela and I cant get logged in to my account causing a delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company : Citibank Product : Checking or savings account Issue : Problem with fees/ Other fee problem Complaint : I received a notice from Citibank stating that the bank was terminating my account relationship and Safe Deposit Box Rental Agreement effective XX/XX/XXXX. The safe deposit box rental fee had already been prepaid through XX/XX/XXXX. After receiving the notice, I promptly complied with the banks instructions and visited the branch to empty and surrender the safe deposit box before the termination date. I requested a prorated refund for the unused portion of the prepaid rental period because the agreement was terminated early by the bank, not by me. However, branch staff informed me that there is a no refund policy and refused to provide any prorated reimbursement.

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding a disputed debt being collected on behalf of XXXX. I signed up for XXXX and canceled immediately after realizing I had been placed into a 12-month service obligation that I believe was misleadingly presented. XXXX refused to cancel the obligation and claimed I only had a 3-day cancellation right, but when I tried to cancel after 10 minutes I was told " I was not in one of the states where eHarmonys own terms appear to provide that right. '' I disputed the charge with my credit card issuer, and the charge was reversed. Despite the chargeback and my dispute, XXXX or its collector is now attempting to collect the alleged balance. I paid {$150.00} out of the XXXX, now they are trying to collect the other {$450.00}. I dispute that any valid debt exists. I am not paying {$600.00} for a scam that fooled me into signing up for a year with misleading " you can cancel within 3 days, '' and then I can't cancel within 10 minutes. This is a straight up predatory scam, which is why they lock you in for a full year. I request that the collector validate the debt, cease collection activity until validation is provided, stop contacting me by phone, and ensure this disputed account is not reported to any credit bureau. If it has already been reported, I request that it be deleted or at minimum marked as disputed while the investigation is pending. Requested resolution : 1. Confirm the debt is withdrawn from collections ; 2. Confirm no credit reporting will occur ; 3. Delete any credit reporting if already submitted ; 4. Provide all documents allegedly proving I agreed to the 12-month obligation ; 5. Provide all records of my cancellation request and XXXX refusal.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted payment of {$3900.00}. On XX/XX/XXXX the payment had not posted to my bank account or the credit card company. Due to the processing error, and since my payment was initially delayed, I resubmitted the payment by clicking " Statement balance '', which was {$4700.00}. As a result, both payments posted on XX/XX/XXXX and I ended up unintentionally double-paying {$3900.00} on my account having a negative {$3900.00} balance. When I called to inquire on my options, I was the only option were to wait XXXX weeks for a check to be mailed ( of which I would be short the {$3900.00} ), or have my bank submit a letter ( of which I called XXXX XXXX and they said that is not something they do ). The bank suggested the best thing to do is to have one of the payments cancelled, but Synchrony customer service insisted that they can not waive the {$30.00}, even though the account is now paid off with a negative balance, and the payment was a duplicate due to a lag in their processing system. Furthermore, during my recent call with your customer service department, I encountered rude and inappropriate behavior. Specifically, one representative, XXXX, referred to me as crazy, as she transferred me over, which is unacceptable and unprofessional. And the other, XXXX, said not only will he refuse to waive the fee, but he will make sure to put note so if I call back everyone they will know I was told they refuse to waive the fee. I have spoken to a supervisor about this matter, but no satisfactory resolution was offered. I have placed the claim with my bank, as waiting XXXX weeks to get my {$3900.00} refunded is not an acceptable solution.

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 2026-05-26 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: CO

Complaint narrative:
Citibank credit card. I have lost online access ... cleared cache, cookies etc. Customer service on line multiple times and had to add credit card number etc. Has been going on for 5 days. Customer service/tech support etc. I get the same story each time ... reset password. That does not let me and I get kicked out. They keep bounding me around etc. repeated unresolved lockouts .. failure of normal customer service to correct problem. Citibank repeatedly locks me out of my credit card account, preventing me from accessing my own account online. I have already cleared cache and cookies, and the problem continues. This is unacceptable because I need reliable access to view charges, make payments and mange my account. I asked Citibank to fix the access and document this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I placed a {$200.00} catering order via XXXX for a professional seminar on XX/XX/year>. Time was a material condition of this contract : I explicitly selected a delivery window of XXXXXXXX XXXX XXXX XXXX XXXX as the seminar concluded at XXXXXXXX XXXX XXXXXXXX failed to deliver the items until XXXXXXXX XXXX rendering the goods entirely useless for their contracted purpose. XXXX refused to return the items or issue a refund. The transaction posted to my billing statement on XX/XX/year>. On XX/XX/year>, I initiated a formal billing dispute with Bank of America for goods and services not provided as agreed. On XX/XX/year>, Bank of America summarily closed the first dispute and denied the claim, stating : " the merchant XXXX charge you for any service or merchandise that you received. '' This ignores the fundamental basis of the dispute : a late delivery for a time-bound event is a failure to provide the service as contracted under the XXXX XXXX Billing Act ( FCBA ). Following multiple calls and over XXXX hours spent dealing with contradictory information from frontline agents, I successfully had the dispute reopened on XX/XX/year>. Following this reopening, Bank of America reported the account to the XXXX major credit bureaus, creating punitive derogatory marks on my credit profiles while a valid billing dispute was actively open. On Friday, XX/XX/year>, I received a letter from Bank of America stating that " documents are missing '' to support the reopened case, but the letter failed to specify which documents were required. I attempted to call the number provided in the letter today, Tuesday, XX/XX/year> ( the first available business day following the XXXX XXXX weekend ). After waiting on hold for an hour, I was informed that the office closed at XXXXXXXX XXXX and to try a completely different phone number tomorrow. Bank of America has failed to conduct a reasonable investigation, failed to provide clear communication regarding required documentation, and has violated XXXX protections by reporting a disputed balance to credit bureaus during an ongoing investigation. I am requesting a full reversal of the {$200.00} charge and the immediate retraction of all XXXX credit bureau reporting.

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
I signed up on credit fresh to get some money to help me get through the week i wasnt paid and I was approved up to {$2000.00}. I then proceeded to take out {$700.00} transferred into my bank account but it never showed up and they are saying i owe them {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
LoanCare has claimed approximately {$18000.00} in disputed property tax/escrow charges for XXXX and XXXX XXXX XXXX taxes . We dispute these charges. We obtained a 2023 Certificate of Error from the taxing authority, and we received confirmation from XXXX XXXX that the XXXX tax bill was not populated/issued in the system, meaning LoanCare did not actually pay a XXXX bill as claimed. Despite this unresolved dispute, on XX/XX/XXXX, LoanCare sent a Loan Modification Agreement package that appears to capitalize the disputed escrow/tax amounts into the modified loan balance. The documents show a new principal balance of {$240000.00}, an unpaid principal balance of {$220000.00}, and New Money of {$17000.00}. An amount consistent with the disputed charges we have been challenging. LoanCare demanded we sign and notarize the modification by XX/XX/XXXX. The letter states that failing to return signed documents may result in cancellation of the mortgage assistance offer and that the loan may be referred to foreclosure if previously paused. We feel this places us under improper foreclosure pressure to accept a modified balance that includes incorrect or unsupported charges. We are not refusing loss mitigation ; we simply want the escrow/tax dispute resolved before any permanent loan modification is signed. This has been ongoing for nearly a year.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing a complaint regarding an unauthorized ACH debit attempt connected to a charged-off Capital One account. I previously made a one-time payment on this account in the past using my bank account information. However, I never authorized recurring automatic payments, ACH drafts, or AutoPay withdrawals from my checking account. Recently, an attempt was made to withdraw funds from my bank account without my authorization or consent. The account associated with this debt is closed, and I did not provide permission for any future electronic debits. I immediately contacted my bank and disputed the transaction as unauthorized. I also revoked any ACH authorization associated with this account and requested that future withdrawal attempts be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The disputed charges - On XX/XX/year> ( spoke with XXXX ), my account was charged XXXX separate transactions of {$99.00} each and one at {$9.00}, posted within minutes of XXXX another over several hours, totaling approximately {$15000.00}. I did not make, authorize, or benefit from any of these transactions. The pattern - identical amounts, identical merchant, rapid succession- is consistent with automated fraud. These charges caused the account to exceed its credit limit by approximately {$5000.00}. My report - I notified Citi by telephone on XX/XX/year>, one day after the charges occurred and while they were still pending. Citi had not independently detected or acted on the charges before my call. At my instruction, the card was cancelled and reissued. However, I have received no written acknowledgment from Citi that a billing dispute was opened pertaining to these charges. Citi has not provided any dispute ID or reference number, and the billing dispute is not listed in the Billing Disputes section of the cardholder website or within the cardholder mobile application. I spoke with XXXX from Citi 's Executive Response Board on Sunday, XX/XX/XXXX. She said there is no dispute number and she is unable to issue one. A related concern - In reviewing my credit reports I found several account-review ( soft ) inquiries placed by Citi in the days immediately preceding the fraud. I have not applied for any Citi product in recent months and was ineligible for a credit-line increase, having received one XXXX months ago. I requested a written explanation of the purpose of these inquiries from Citi as they were unable to explain them.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I started to transfer money to cash app on an investment slot with XXXX XXXX XXXXXXXX XXXX XXXX ( i got emails and XXXX conversations ) for a period of XXXX mo, withdrawal date was XX/XX/year> so she asked for more money t give me my money administrative fee XXXX, activation fee XXXX, gas fee XXXX, XXXX XXXX XXXX until i realize it was a scam, she even sent a whats stating that i need to apologize for calling her scammer and XXXX dollars more. I filed reports to the bank, the cash app, the FBI, the FTC and police but they say since the money was transfered to the accounts i indicate theres nothing to do it, but what about my rights as a consumer electronic funds transfer act protection i did it because i was instructed by the scammer XXXX XXXX XXXX and authorities are advised and investigating, but the scam was XXXX loss my life savings and pension funds. I need to fight back i was induced to open cash app and send money trough deception so its unfair and cause me a great damage to me and my family because was the money to buy a house. Please help me in here, cash app cancell my account because on XX/XX/XXXX i transfered to XXXX XXXX by mistake and when i reported the situation and the lady did not return the money cash app penalie me instead of her and now they are turnung me down on this too!. They need to freeze XXXX XXXX accounts not me and i dont need to keep open that app never used before and plan to erase it better XXXXXXXX XXXX XXXX XXXXBut im the victim and loks like nobody is helping me the scammer is working actively i got a picture of her with several pc and laptops " trading '' or better said scamming defrauding people every day my dreams and expectations destroyed meanwhile, It is not fair.she is a criminal and very good one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I am filing this complaint regarding an OppLoans loan serviced by Opportunity Financial , LLC and originated through XXXX XXXX XXXX XXXX I am an Illinois consumer, and my loan agreement states that I borrowed {$2000.00} with an annual interest rate of 179.0 %. Based on the agreement, interest accrues daily at 1/365 of the annual rate. On a {$2000.00} balance, that equals approximately {$9.00} per day in interest at the beginning of the loan. I am concerned that this loan may violate or evade Illinois consumer protection laws, including Illinois 36 % rate cap under the Predatory Loan Prevention Act. Although the agreement identifies XXXX, a Utah bank, as the lender, OppLoans appears to be heavily involved in servicing, collecting, communicating with me, and administering the loan. I am concerned this may be a rent-a-bank arrangement designed to avoid Illinois interest rate protections. The agreement also contains language stating that I may prepay the loan in full or in part at any time without penalty. I am requesting a full itemized payoff breakdown showing the current principal balance, daily interest calculation, accrued interest, any fees or charges, and the exact contract section authorizing each amount included in the payoff. I am asking your office to investigate whether this loan complies with Illinois law and whether the lender/servicer is lawfully charging an Illinois consumer 179 % annual interest. I am also requesting assistance obtaining a clear payoff ledger and correction or refund of any unlawful or improperly charged amounts. Requested resolution : 1. Investigate whether this 179 % APR loan is lawful for an Illinois consumer. 2. Determine whether OppLoansXXXX is using a rent-a-bank structure to evade Illinois 36 % APR cap. 3. Require the company to provide a complete itemized payoff ledger. 4. Require removal or refund of any unlawful interest, fees, or charges. 5. Require the company to confirm in writing the lawful payoff amount. 6. Prevent negative credit reporting while this dispute is under review.

Company response to consumer: Closed with explanation