vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank identified a fraud/identity theft claim on my account # XXXX on XX/XX/XXXX XXXX but they did not block my account until XX/XX/XXXX. The account had over {$1500.00}. 
I went to a Citi branch and verified my identity with XXXX forms of ID. After Citi completed its investigation, I was told my account would be closed on XX/XX/XXXX and that a check for my remaining balance was submitted to be mailed the same day. 
As of today, I still have not received the check. 
I have called customer service more than XXXX times and continue to receive inconsistent answers. I am repeatedly told to wait, with no confirmation the check was sent and no clear timeline. 
Citi is continuing to hold my money even though my identity was verified. I believe this is a clear violation and an unfair practice. Because of this delay, I have already experienced harm, including difficulty paying bills on time. 
If my funds are not returned by XX/XX/XXXX, I intend to pursue compensation including interest at 2 % per day for the period the funds are withheld beyond that date. 
Requested resolution : Immediate release of my full balance.

Compensation for delays and inconvenience.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: OR

Complaint narrative:
I keep getting calls about being past due when Im not. I called in and was told that it is cross countrys policy that the payment is due in the XXXX. I explained in Oregon its until the XXXX to get there. That rang on deaf ears. They are not filling Oregon state law that says I have a 15 day grace. If there were late fees added they need to be removed and credit reporting updated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
Issue : Incorrect student loan balance and interest charged on discharged loans after consolidation and servicer transfer.

I am filing this complaint regarding improper servicing of my federal student loans following an approved loan discharge. Despite the discharge being finalized, my current servicer continues to report incorrect principal balances and is charging interest on amounts that should not exist. 

Background and Timeline : XX/XX/year> : My federal student loans were consolidated through XXXX. 
XX/XX/year> : The consolidated loans were subsequently transferred to MOHELA for servicing. 

Approximately XX/XX/year> : Loans associated with XXXX XXXX XXXX XXXX XXXX were officially discharged. 

Current : MOHELA has failed to reflect this discharge and continues to accrue interest on incorrect balances. 

XXXX did not properly communicate the approved discharge to MOHELA, resulting in inaccurate loan data and ongoing financial harm. 

Incorrect Balances Being Reported Unsubsidized Loans : Balance reported by MOHELA : {$27000.00} Correct principal balance per StudentAid.gov : {$17000.00} Loan components per StudentAid.gov : {$7000.00} {$4400.00} {$4000.00} {$2000.00} Total : {$17000.00} This figure does not yet reflect payments already made, which further reduce the balance. 

Subsidized Loans : Balance reported by MOHELA : {$8300.00} Correct balance after payments : {$5800.00} Loan components : {$4000.00} {$5500.00} Original total : {$9500.00} Payments made : {$3600.00} Correct remaining balance : {$5800.00} Improper Interest Accrual : Interest has not been recalculated following the approved discharge. MOHELA is accruing interest based on pre-discharge principal balances, which is incorrect and violates proper loan servicing standards. Interest should have been recalculated using the corrected post-discharge balances as of the discharge effective date. 

Harm Caused : Interest is being charged on discharged debt Account balances are materially inaccurate Attempts to resolve this with MOHELA, AidVantage, and XXXX have failed Ongoing financial harm continues due to servicer inaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I received a bill in the mail that had my personal information wrong thought it was a scammer and ignored it on XXXX for the amount of {$360.00}. Then received another bill still with my name wrong. And then in XXXX another with charges of {$400.00}, so on I got billed for {$510.00}, then went to my bank and got a credit check and found this bill there! Degrading my good credit! Contacted XXXX who could not provide me with information like the full account number or the store where the card was used for a purchase or application of said card?

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This submission is an addendum to my previously filed CFPB complaint regarding a wrongful vehicle repossession involving a breach of the peace. 

On XX/XX/2026, after filing my formal dispute and record request, I appeared at the repossession facility at the scheduled appointment time to retrieve my personal belongings only. I was informed by a representative of the repossession company that : - I would not be permitted to enter the facility to retrieve my personal property ; - The repossession company would retrieve items from my vehicle on my behalf ; and- I was required to surrender my vehicle keys permanently, and that the keys would not be returned to me. 

I expressly stated that I was present solely to retrieve personal property, that I did not consent to surrendering my keys, and that I did not waive any rights related to my pending dispute. After I declined to permanently forfeit my keys, the repossession company refused access outright and marked my scheduled appointment as declined/cancelled, despite my timely arrival. 

As a result, I was denied reasonable access to my personal property based solely on my refusal to surrender my keys. I am not aware of any legal requirement that a consumer permanently forfeit vehicle keys as a condition to allowing a third party retrieve personal belongings, let alone retrieving them personally, particularly while an active legal dispute is pending. 

This conduct raises additional concerns regarding : - Improper denial of access to personal property ; - Coercive or unfair practices following notice of dispute ; and - Failure by the lender to ensure lawful and reasonable post-repossession handling through its agents. 

I am submitting this addendum to ensure the CFPB is aware of this subsequent conduct, which occurred after notice of dispute and further demonstrates unfair handling of this matter. I respectfully request that this information be considered as part of the CFPBs review. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I have an account with CitiBank in good standing. I have not overdrawn this account and use it solely to store funds so I am able to pay my rent via XXXX as my landlord has requested due to the fact that my local bank account doesn't offer XXXX. I attempted to complete this today and CitiBank has blocked all my accounts. I contacted the Fraud Department and verified my phone number and completed all verification and verified the transactions and I am told that it is " Under Review '' by the back office for XXXX hours. This is unacceptable as my landlord files eviction if the rent is not paid by the XXXX of the month. I will be evicted from my home if I am unable to pay my rent today and now have XXXX locked by CitiBank for absolutely XXXX reason. I have not reported fraud on my account and do not perform ANY suspicious activity. They are refusing to assist me and apparently do not care if I am in the streets in freezing temps due to this. I also have a direct deposit set to go into this account starting Friday, XX/XX/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 monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding my banks failure to properly investigate and credit a missing ATM cash deposit, despite my repeated attempts to resolve the issue directly with the bank. 
On XX/XX/year> at approximately XXXX I deposited {$3800.00} in cash into an ATM owned/operated by Chase bank, XXXX XXXX XXXX X XXXX ny XXXX ATM XXXX the cash ; however, the funds were never credited to my account ( Account ending in XXXX ). 
I reported the issue promptly and filed a claim with the bank ( Claim/Case Number : XXXX Despite my cooperation and clear explanation, the bank denied my claim. The bank has not provided a detailed or written explanation of how the investigation was conducted, nor evidence that critical materials were reviewed. 
Specifically, the bank has failed to demonstrate that it properly reviewed : ATM cash-balancing and reconciliation records Any ATM overage or shortage for the relevant date ATM transaction and error logs Any available surveillance footage Whether the claim was subject to an automated denial rather than a full manual investigation ATM cash deposit discrepancies are a known and documented issue, and a summary denial without evidence does not constitute a reasonable investigation. I firmly maintain that I deposited the cash as stated and that the banks investigation was inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to formally complain about a discrepancy in the payoff amount for my mothers mortgage account. 

I recently attempted to pay the final balance through your payment portal to satisfy the mortgage and close the account. However, I was informed that an additional {$3000.00} is required to complete the payoff. When I requested an explanation, I was told that this included a force-placed XXXX forbearance for XXXX months ( April 2020June 2020 ). 

The notice I received stated : * Your monthly mortgage payment amount of {$430.00} ( XXXX = {$1300.00} ) was placed on a temporary forbearance for a period of 3 months. Starting on XX/XX/year> and for the next 3 months, there will be no late payment charges. * First, the math does not align with the additional {$3000.00} being demanded. The forbearance amount referenced totals {$1300.00}, not {$3000.00}. 

Second, this forbearance was neither requested nor agreed to. My senior mother, the account holder, was unaware of this arrangement, and I, as her point of contact, was never notified. The letter further stated that we were required to opt out to avoid the forbearance, which is an unreasonable expectation, particularly for an elderly customer who may not fully understand such communications. 

Third, regular mortgage payments continued to be made during this period, making the retroactive application of forbearance unnecessary and unjustified.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX, through Halsted Financial Services, is attempting to collect and report an alleged debt without providing proper validation and while using misleading credit-reporting representations that violate federal law. 
I received a collection notice stating that my account originated by XXXX ( Avant, XXXX ) has transitioned to Halsted Financial Services for collection on behalf of XXXX XXXX XXXX. The notice references a prior payment allegedly made on XX/XX/year> and promotes flexible payment options and potential discounts. However, this communication fails to provide legally required validation and instead pressures payment through credit-reporting threats and promises of deletion. 
The notice claims that XXXX XXXX XXXX will delete the tradeline upon satisfaction of the account. This statement is misleading and incomplete, as it fails to disclose that : Any original creditor tradeline XXXX remain, Any prior third-party reporting may remain, And deletion is conditioned solely on payment, not accuracy or verification. 
This language is designed to coerce payment rather than provide lawful validation. 
To date, I have not received proper debt validation, including : Proof that XXXX XXXX XXXX legally owns this debt, A complete chain of assignment from XXXX XXXX XXXX copy of the original contract or agreement bearing my signature, A complete itemization of the balance showing how {$640.00} was calculated, The date of first delinquency, Or proof that required written notice was sent within XXXX ( XXXX ) days of initial communication. 
Under the FDCPA, a debt collector must provide clear validation and cease collection activity when validation is requested until it is provided. Credit reporting and payment inducements are collection activities. Continuing to demand payment and advertise credit deletion without validation violates 15 U.S.C. 1692g and 1692e ( false, deceptive, or misleading representations ). 
In addition, by furnishing or threatening to furnish credit information that is unverified and incomplete, XXXX XXXX XXXX violates the FCRA and Metro 2 accuracy requirements, which mandate that information be complete, accurate, and verifiable before and during reporting. 
This is not a clerical issueit is a failure to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
The company the credit card is for is XXXXXXXX XXXXXXXX XXXX XXXX XXXX is over over the card. They charge me a late fee after I had paid off the card last month and I have not used the card. They charge me insurance and taxes and a bunch of other fees and I called them today and asked them to remove all the fees and they refused to do so so I told them to cancel my card and I paid it off and I told them I would be turning them In.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sarma
State: TX

Complaint narrative:
I am filing this complaint because SARMA Collections , Inc. placed a collection account on my credit reports without me ever receiving the required written notice/initial communication and without providing the disclosures and validation rights required by federal law. This is the first time I became aware of this alleged debtthrough my credit report, which is a serious consumer harm and creates immediate credit and lending damage. 
After discovering the account, I timely disputed and requested full debt validation and proof that SARMA has the legal right to collect and report this account. Despite my requests, SARMA has failed to provide competent, consumer-specific documentation to support the reporting, and the account continues to be furnished to the credit bureaus. 
I have also done my research on SARMA XXXX XXXX XXXX and found public records showing the company has been named in FDCPA-related litigation ( including XXXX XXXX Sarma Collections XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Sarma Collections XXXX XXXX XXXX XXXX XXXX in XXXX ). 

Additionally, consumer complaint activity is publicly visible through the BBB profile/complaints page, reflecting ongoing consumer disputes regarding reporting/collection issues. 

While allegations vary by consumer, this history reinforces why I am demanding strict compliance with the FDCPA, FCRA, and Metro 2 reporting standards in my case. 
At this time, SARMA is reporting damaging information without producing proper validation and without demonstrating that the information is complete, accurate, and verifiable. Reporting a collection tradeline without proper notice, without meaningful investigation, and without competent documentation is not compliant with : FDCPA 15 U.S.C. 1692g ( a ) - ( b ) ( notice of debt/validation rights ; ceasing collection until validation is provided after timely dispute ), FCRA 15 U.S.C. 1681s-2 ( b ) ( duty to conduct a reasonable investigation after receiving a dispute through a CRA and to correct/delete inaccurate or unverifiable data ), and Metro 2 / CDIA reporting guidelines ( industry standards requiring accurate, complete, and consistent furnishing with proper substantiation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
I am receiving weekly voice messages from Allied International Credit. It's number, XXXX, has been blocked by TMOBILE yet voice messages can not block. 

My credit score is XXXX, I have no late or unpaid debt. 

Caller is XXXX XXXX, leaves no reason for contacting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or prior to Monday XXXX XX/XX/year> I transferred XXXX online from my Capital One checking account ending in XXXX to my XXXX XXXX  account ending in XXXX. 

My Capital One checking account shows that the XXXX was transferred on XXXX XXXX but it does not show where it was transferred to. I logged into my XXXX XXXX  account and the funds are not there. 

If I write a check, Capital One will provide a copy on the check that I can see online. It is ridiculous that I am unable to see where the funds in an online transfer were transferred to. 

I phoned Capital One and spoke with XXXX, who was unable to tell me where the funds were transferred to. He connected me to his manager, XXXX, who ( after a good 10 minutes on hold ) was also unable to tell me where the funds were transferred to. She connected me to Ira ( sounded female ) who said something about filing a dispute, but I had difficulty understanding her accent so I'm not entirely sure that's what she said. I asked her to call me back when she had the information, but have not heard from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my account with a remaining balance. They claim a check was mailed but it was never received. I was later told they will not reissue the funds until the check returns or expires, leaving me without access to my money for an extended period. I am requesting immediate stop payment and reissuance of my funds via secure delivery or branch pickup.

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