vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 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: TX

Complaint narrative:
I am requesting a review of Bank of Americas handling and reporting of a long-standing credit card account following a temporary hardship. I maintained this account for over 20 years with positive payment history before suffering financial hardship related to business downturns and hurricane-related impacts affecting our XXXX XXXX operations . During that hardship period, the account became delinquent and was ultimately closed. Since then, I have made substantial efforts to resolve the debt responsibly, including a recent payment of approximately {$25000.00} that reduced the balance from roughly {$44000.00} to approximately {$19000.00}. I fully acknowledge responsibility for the delinquency and am not disputing the debt itself. I am requesting a goodwill review or reconsideration of the reporting and/or closure given the long account history, prior positive standing, and substantial corrective actions taken. I would appreciate review by a senior customer relations or executive response team.

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 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I maintained a promotional financing plan through my Mattress Firm credit card and consistently made monthly automatic payments. I later purchased an additional mattress using the same card under a separate 0 % financing promotion. To ensure both promotions were paid on time, I increased my automatic payment amount each month to cover the new balance. However, the system allocated my payments across both promotions rather than applying them to the intended promotional balance. As a result, the first promotion was not paid in full by the end of its promotional period, and I was charged {$340.00} in deferred interest, along with a remaining balance of {$410.00}. At no point was this method of payment allocation explained or disclosed to me. My monthly statements only listed the remaining balances for each promotion, which did not raise concern since I believed I was paying more than required to satisfy the promotional terms. I contacted Synchrony Bank XXXX days after the interest was assessed, but they have refused to reverse the charges and continue to apply daily interest to the outstanding balance.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since XX/XX/XXXX, my Bank of America account has been blocked and restricted, leaving me without access to my funds. I've called more than XXXX times and visited the branch, but I haven't received any answers. I explained that I'm a single mother and need my money. I've been a customer for XXXX XXXX and XXXX XXXX, and this is unacceptable. I need help getting a clear answer.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached documents and expedite the review of this matter. The reported late payments are inaccurate, as all payments were made on time and should not be reflected on * my credit file. I request that these be corrected promptly to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then to XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX AZ on XX/XX/XXXX. At the time of this transfer I had XXXX A and B plus XXXX XXXX XXXX was responsible for my copayment under referral XXXX. XXXX XXXX XXXX has attempted multiple times to obtain the insurance claim forms so payment could be made. I was sent to Collections under XXXX. Multiple attempts were made through XXXX to obtain needed documents without success. A CFPB complaint was made ( XXXX for XXXX and XXXX for XXXX XXXX 's. XXXX responded that they were sending the debt back to XXXX XXXX 's. A new collection notice from Credit Collection Services was received on XX/XX/XXXX for this same date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am filing this complaint against Resurgent Capital Services L.P. ( servicer ) and LVNV Funding LLC ( current owner ), as well as their attorney XXXX XXXX XXXXXXXX XXXX, for repeated failure to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, despite five written requests over several months. ACCOUNT DETAILS : Original Creditor : XXXX XXXX XXXX ( XXXX XXXX card issued through XXXX XXXX XXXXXXXX XXXX ) Account ending : XXXX Charge-off date : XX/XX/XXXX Charge-off amount : {$6500.00} Acquired by LVNV Funding LLC : approximately XX/XX/XXXX Resurgent Reference # : XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Beginning in early XXXX, I began receiving collection correspondence from XXXXXXXX XXXX XXXX XXXX . on behalf of LVNV Funding LLC / Resurgent Capital Services regarding the above account. I exercised my right under 15 U.S.C. 1692g to request written validation of the alleged debt. I have now sent five written requests via certified mail, each outlining the specific documentation required to constitute proper validation. In response to all five requests, I have received identical documentation each time : 1. An Account Summary Report prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. This is a document created by the current servicer, not by the original creditor, and does not constitute verification of the debt. 2. A single credit card statement from XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX card, XXXX XXXX XXXXXXXX. ) covering the period XX/XX/XXXX XX/XX/XXXX, the final statement before charge-off. This statement shows a balance of {$6500.00} with XXXX transactions, XXXX payments, XXXX fees, and XXXX interest charges, indicating it is simply the final snapshot and not a complete account history. These two documents have been sent to me repeatedly without variation. I have never received : A copy of the original signed credit agreement or application bearing my signature Complete account statements from XXXX XXXX, XXXX. showing the full charge and payment history Documentation establishing the chain of assignment from XXXX XXXX to LVNV Funding LLC Written proof of XXXX XXXX XXXX authority to collect on behalf of LVNV Funding LLC Despite my repeated disputes and the absence of proper validation, collection activity has continued. My most recent letter that will be sent XX/XX/XXXX, formally notifies both Resurgent Capital Services and XXXX XXXX XXXX that I was filing regulatory complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone got access to my personal banking information and had deposited {$1200.00} into my account. Afterwords that same person withdrew my money and I filed a fraudulent claim. Wells Fargo gave me a provincial credit to mitigate the claim while they tried to fix the issue, and after a week Wells Fargo reversed the credit putting account in the negative ( - {$880.00} ) and to fix the issue claiming I have no evidence of support my claim even though it is clear on my account

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
Robinhood restricted my account XX/XX/year> holding {$380.00} under $ XXXX. I submitted government ID, selfie, and bank statements on XX/XX/XXXX and again on XX/XX/year>. On XX/XX/XXXX a Robinhood phone rep confirmed receipt. Immediately after, Robinhood reset my document deadline from XX/XX/XXXX to XX/XX/XXXX in the app and requested the same documents again. Screenshot attached as proof. This " reset the clock '' tactic violates FINRA Rule 4512. I met all XXXX requirements under 31 CFR 1023.220. Continued withholding for XXXX days is causing financial hardship. NOTE : My bank statements reflect my new address where I recently moved. My government ID and Robinhood account use my previous address. My name and date of birth match exactly across all documents. Robinhoods info doesnt match claim ignores that address changes during a move are normal and not a XXXX failure under 31 CFR 1023.220.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I sent and email requesting this, I Am requesting a complete copy of my loan agreement and all truth in lending disclosures related to my auto title loan opened in 2023. Specifically I'm requesting written documentation showing the XXXX and interest rate, the total finance charge and how payments are allocated between interest and principal. Any amortization schedule or explanation of how the loan is intended to be paid off. When I log into my online account I do not see any documents clearly stating the interest rate or APR. I was verbally told the interest was XXXX per day last year. I was not provided written disclosure reflecting an APR or finance charge. Nor do I see these documents in previous emails from the second updated loan origination sent to me back in XXXX. Please provide these documents in writing by mail and email. Thank You I have included what was sent to me I have paid over XXXX on this loan since XXXX with only XXXX applying to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
just awaiting letter or email of settlement satisfaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a follow up to the complaint I filed in XXXX ( XXXX ), citibank closed my account and is holding my funds XXXX. Citibank responded to the last complaint letting me know that I can ask XXXX to get the funds back into my XXXX account so that's what I asked XXXX to do. XXXX has confirmed that they submitted a Letter of Indemnity to Citibank on XX/XX/year>, requesting the return of my funds. Citibank has refused this request. At this point, both institutions have acknowledged the situation : * XXXX has confirmed the funds are not in their possession and attempted recovery * Citibank then notified XXXX they have declined to return the funds despite indemnification This effectively leaves my funds inaccessible, with no clear resolution provided by Citibank. I want to emphasize that I have made repeated attempts over several months to resolve this issue directly with Citibank, including phone calls and in-person visits. At no point was I informed of a clear process or given meaningful assistance. Citibank is now in a position where they are holding my funds while refusing reasonable recovery attempts from the originating institution. This is causing ongoing financial harm. I am requesting that Citibank : XXXX. Clearly state whether they are holding the funds XXXX. Provide a definitive explanation for refusing the indemnity request XXXX. Outline a specific process for returning my funds If Citibank continues to refuse to return the funds, I request regulatory review of their handling of this matter.

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 2026-05-12 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: AmeriCash Holding LLC
State: IL

Complaint narrative:
I continue to dispute the handling and accounting of this loan account by SAIL Loans. The payment interruptions referenced by SAIL Loans occurred during a period when I was incarcerated from approximately XX/XX/XXXX through XX/XX/XXXX, which is documented by records from the XXXX XXXX XXXX XXXX. Upon my release, I resumed making payments shortly thereafter and continued making payments in good faith in an effort to resolve the account responsibly. Despite my efforts to continue paying after release, SAIL Loans applied approximately {$2800.00} from the Collateral Deposit/Savings portion of the loan to the account and still continued asserting a substantial remaining balance. The company has not provided a clear accounting explaining : - how payments were applied, - how much was applied to principal versus interest, - what fees were assessed, - or how the remaining balance was calculated after the Collateral Deposit was applied. The companys response also failed to address the hardship circumstances that contributed to the temporary payment interruption or explain whether any accommodations, fee waivers, or alternative repayment review were considered. I am requesting : 1. A complete payment and transaction history, 2. An itemized breakdown of all fees and interest charges, 3. A full accounting of how the remaining balance was calculated after the Collateral Deposit transfer, 4. Review of whether fees and continued balance increases during this hardship period were reasonable and compliant with XXXX XXXX protection standards, 5. And any refund, adjustment, waiver, or correction warranted after investigation. At this time, I do not consider this matter resolved and will escalate this issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
RE : Inaccurate Credit Reporting PNC Mortgage Account XXXX PNC Bank is in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 ( b ) regarding the duties of furnishers to provide accurate information and conduct a reasonable investigation. The Evidence of Prior Correction : Between XX/XX/XXXX and XX/XX/year>, PNCs Executive Office acknowledged a reporting error. They submitted an AUD ( Automated Universal Data ) update that resulted in a manual balance correction to {$320000.00} and updated the account status to " Current. '' This manual intervention restored my XXXX score to XXXX while the account was flagged as " In Dispute. '' The Current Violation : While the Executive Office updated my current " Status, '' they failed to scrub the erroneous XX/XX/year> XXXX delinquency from the historical history grid. On XX/XX/year>, PNCs automated dispute department completed a " reinvestigation '' and claimed the reporting was " accurate. '' This is a documented failure of the duty to investigate under Section 623 ( b ), as that same letter explicitly admits : " As of the date of this letter you are due for your XXXX XXXX XXXX monthly payment. '' The Damage : On XX/XX/year>, once the dispute was marked " resolved, '' the " dispute shield '' was removed. Because the historical grid was never corrected, the XXXX algorithm now views the XXXX delinquency as a verified fact, causing an immediate XXXX crash to XXXX. It is a factual and legal impossibility to be " due for XXXX '' ( paid ahead ) while simultaneously being " XXXX days late '' for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I have XXXX XXXX XXXX tokens staked at XXXX XXXXXXXX. XXXX states that they have a XXXX day wait period for unstaking XXXX. I unstaked my XXXX on XX/XX/XXXX and as of today XX/XX/XXXX I still do not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/year>, I paid in full a {$190.00} debt held by Sunrise Credit Services, related to a former XXXX account. I received a paid-in-full letter from Sunrise on XX/XX/year>, after calling them every day to ask when the letter would arrive. The circumstances : I became aware of this debt only on XX/XX/year>, when a credit monitoring alert notified me that my credit score had dropped due to a new collection account. This was the first I had heard of any outstanding balance on my former XXXX account, which had been closed for over XXXX XXXX. I contacted XXXX, learned the balance related to an unreturned router, and paid Sunrise the full amount that same day. When I spoke with a Sunrise representative, I was told that Sunrise 's policy is not to delete paid collection accounts from credit reports. I am asking the CFPB 's assistance in requesting that Sunrise make an exception in this case and delete the tradeline from all three credit bureaus. The grounds for my request : the debt is fully satisfied, was paid immediately upon my discovery of it, and a " paid collection '' status continues to damage my credit in a manner disproportionate to a small, resolved equipment matter from over XXXX years ago. I have separately contacted XXXX, the original creditor, to request that they authorize this deletion on their end.

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 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint concerns Chases failure to conduct a proper wire trace investigation after new evidence became available following closure of prior CFPB Case # XXXX. After the prior complaint was closed, I obtained additional documentation confirming that duplicate property tax funds in the amount of {$1400.00} were wired directly to XXXX payoff account and were not rejected. This new complaint is specifically about Chases failure to investigate, trace, reconcile, and account for the documented incoming wire despite being provided with complete wire reference information.

Company response to consumer: Closed with explanation