vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute recent charges applied to my credit card accounts related to a furniture purchase made in XXXX  at XXXX XXXX. 
At the time of purchase, the seller clearly informed me that I had two ( 2 ) years interest-free to pay off the balance and that scheduled payments would be set up to complete the debt within that period. Based on this information, I agreed to the purchase. I relied on the sellers representation in good faith. 
I have not used these credit cards again since the original purchase. However, upon recently reviewing my account, I was surprised to find charges totaling approximately {$1300.00} on each of two cards, and one card now shows a negative credit balance. 
When I contacted the credit card company, I was informed that I only had 18 months to pay the balance, and because of this, more than {$1000.00} in interest and fees was added to each account. This directly contradicts the information provided by the seller at the time of purchase. 
The seller provided incorrect and misleading information, which resulted in unexpected and significant financial harm. Had I been properly informed of an 18-month term, I would not have agreed to the purchase under those conditions. 
I respectfully request the following : A full review of this account for billing errors and misrepresentation. 
Removal or adjustment of the interest and penalty charges applied due to incorrect terms. 
A temporary hold on further interest or negative reporting while this dispute is under investigation. 
Please let me know what documentation you require from me to support this dispute. I am prepared to cooperate fully to resolve this matter promptly. 
Thank you for your attention and assistance. 


cards : XXXX ran XXXX XXXX XXXX card number XXXX 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 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Grow Credit Inc
State: NC

Complaint narrative:
Grow credit doesn't have a place to pay off the loan. There are no real people to call and pay off the loan. I have already tried to payoff the loan and couldn't get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am submitting this update regarding my previous complaint against Bank of America concerning a duplicate check reversal. 

I have an open case with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Law enforcement subpoenaed XXXX XXXX XXXX and completed their investigation. The results confirmed that three individuals were involved in depositing my check into an account not belonging to me. One individual admitted to depositing the check. This has been confirmed by the investigating officer who met her. 

The check in question was payable solely to me. It was improperly accepted and negotiated by XXXX into a third partys account. This constitutes confirmed third-party fraud and improper presentment. 

Despite this, Bank of America previously reversed the funds from my account and closed my claim, treating this as a duplicate presentment issue rather than a criminal fraud case. 

Law enforcement has confirmed that the deposit was made by individuals not authorized by me. I did not redeposit or authorize any second negotiation of the check. The improper deposit was accepted by XXXX despite the check bearing my name. 

I am requesting immediate reimbursement of the funds from Bank of America withdrawn from my account and a formal reinvestigation in light of confirmed criminal activity. I had an open case from BOA previously, but they have all been closed. The most recent one when I spoke with XXXX, she never returned my calls where I wanted to provide her with my police case number and report details. The case was then closed, without me being able to get a word in. 

This is no longer a disputed adjustment matter ; it is a confirmed fraud case supported by subpoenaed bank records and an admission of guilt. 

The officer I am working with and I respectfully request that Bank of America restore my funds without further delay.

I have provided the case number, and can provide any other details relevant. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
11 days ago we had 3 transactions of {$4000.00} each taken from our account. Thats {$12000.00} total with ZERO alerts that this money was taken! When I figure out our account was negative {$1900.00} I called Regions and they said their policy was 10 days for me to hear anything! They told me XX/XX/XXXX was the targeted date that I would hear back from them! We are a family of XXXX and have a negative account balance what are we supposed to do? It has been 11 days since the money was taken out and not a single word from Regions! No checking in, no emails, absolutely NOTHING! I have called them every day and they say there is nothing they can do! We have XXXX younger kids and Regions is not willing to help to protect their customers at all! We have been with them for over 20 years and they have never put us first! Its sad there is not a policy in place to protect families! Arent banks supposed to protect and help their clients?

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: PA

Complaint narrative:
I have gotten 8 calls from " Tower Loan '' at ( XXXX ) XXXX and/or ( XXXX ) XXXX since XX/XX/XXXX, with the most recent being XX/XX/XXXX. It is a live person that calls and asks to speak to " XXXX XXXX '' or a live person leaves a voicemail asking for me to have " XXXX XXXX '' contact them. I have spoken with them on 5 occasions, XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Each time I call, I explain to them that I DO NOT know who XXXX XXXX is and don't know how I got associated with said person and that I have had my # for 25 years and could they take me off of their list. They assure me every time that they will remove me and apologize for the inconvenience, but they still continue to call. I have even reached out to law enforcement to no avail.

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 2026-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I discovered a collection account in the amount of {$410.00} being reported on my credit file by Credit Collection Services on behalf of XXXX. I was never contacted by this company prior to the account appearing on my credit report. I did not receive any written validation notice, billing statement, or opportunity to dispute the debt before it was reported. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ( a ) ), a debt collector is required to send written notice of the debt within XXXX days of initial communication, including notice of my right to dispute within XXXX days. I never received such notice. 

Additionally, reporting a debt to a credit bureau without first providing proper validation may constitute unfair collection activity under 15 U.S.C. XXXX and XXXX. 

I formally disputed this account and requested validation, including proof of the alleged obligation, account documentation, balance calculation, and proof of mailing of any required validation notice. As of the date of this complaint, proper validation has not been provided. 

If this debt can not be properly validated, I am requesting immediate deletion of the account from all consumer reporting agencies. I am also requesting documentation showing the legal authority to collect and a complete itemization of the alleged {$410.00} balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
To the Consumer Financial Protection Bureau and MOHELA Dispute Resolution Team : I am formally rejecting MOHELAs response dated XX/XX/XXXX for Claim number XXXX. 

MOHELAs claim that my current outstanding interest balance of {$8400.00} consists solely of interest validly accrued prior to the XX/XX/XXXX forbearance is factually incorrect and contradicted by MOHELAs own tax filings. 

EVIDENCE 1 : IRS Form XXXX ( XXXX ) MOHELA issued IRS Form XXXX for the tax year XXXX, which documents that I paid {$9900.00} in student loan interest. This confirms that substantial payments were made and applied to interest during the active repayment period of XX/XX/XXXX XX/XX/XXXX. 

EVIDENCE 2 : The Mathematical Discrepancy Based on my principal balance of approximately {$410000.00}, interest accrues at a rate of roughly {$2400.00} per month ( approx. 7 % APR ). 

Period in Question : XX/XX/XXXX XX/XX/XXXX ( XXXX months ). 

Total Estimated Accrual : ~ {$15000.00} ( XXXX months x $ XXXX ). 


Less Interest Paid ( per XXXX ) : - {$9900.00}. 

Expected Remaining Balance : ~ {$5600.00}. 

THE ERROR : MOHELA is currently reporting an outstanding interest balance of {$8400.00}. 
This is approximately {$2800.00} higher than the mathematical remainder. This difference aligns with the XXXX XXXX XXXX Subsidies that were legally required to be applied to my account during the months I was in active repayment status in early XXXX. MOHELAs failure to apply these subsidies is the direct cause of this inflated balance. 

EVIDENCE XXXX : IRS Form XXXX ( XXXX ) MOHELA issued a XXXX Form XXXX showing {$0.00} in interest received. This confirms that no payments were applied to interest in XXXX, isolating the error entirely to the failure to subsidize interest in the first half of XXXX. 

DEMAND FOR RESOLUTION : I request a Manual Account Audit to reconcile the difference between the {$9900.00} paid ( confirmed by IRS Form XXXX ) and the inflated balance currently reported. I specifically demand : A line-item ledger showing daily interest accrual and subsidy application from XX/XX/XXXX, to XX/XX/XXXX. 

Immediate application of the missing XXXX XXXX subsidies to correct the balance to the accurate amount. 

Failure to correct this error is currently negatively impacting my credit profile during a critical commercial business acquisition. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a medical debt that a collection agency has failed to properly validate after receiving my written dispute. 

Debt Collector Name : AMERICOLLECT INC Amount Allegedly Owed : {$1100.00} Original Medical Provider : XXXX  XXXX XXXX Date of First Contact : XX/XX/year> On XX/XX/year>, I sent a written debt validation request to the collection agency within 30 days of receiving their initial communication. My request was sent via certified mail. The agency received my dispute but has failed to provide proper validation of the alleged debt. 

To date, the collector has not provided sufficient documentation to verify : * That I am legally responsible for this medical debt. 
* A detailed, itemized billing statement from the original medical provider. 
* Proof that the amount claimed is accurate and includes no unauthorized fees or charges. 
* Documentation showing the collector has legal authority to collect this specific debt. 

Despite my timely dispute, the collector has continued collection efforts and/or reported this account to credit reporting agencies without first providing proper validation. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must cease collection activity until proper verification of the debt is provided after a timely dispute. 

I respectfully request that the CFPB investigate this matter and require the collector to : * Provide proper validation of the alleged medical debt. 
* Cease collection activity until validation is provided. 
* Correct or remove any inaccurate credit reporting associated with this account. 

I have attached copies of my validation request and relevant correspondence. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX east XXXX XXXX XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint Citizens Bank : Arbitrary Account Closure, Denial of Access to Funds, and Failure to Honor Promotional Incentives To Whom It May Concern, I am submitting this formal complaint against Citizens Bank concerning the abrupt closure of my personal checking account, the resulting denial of access to my funds, and the apparent failure to honor promotional bonus commitments made at the time I opened the account. 

I respectfully request investigation and regulatory review of the following issues : XXXX. Unexplained and Abrupt Account Closure Citizens Bank closed my checking account without prior warning, meaningful notice, or a clear explanation. The closure appears arbitrary and lacked transparency, leaving me without an opportunity to address or remedy any alleged issue. I request that the bank be required to provide a detailed written explanation of the legal and factual basis for this action. 

XXXX. Restriction of Access to My Own Funds At the time of closure, my account held approximately {$850.00} of my personal funds, including direct deposits. Upon closure, access to these funds was immediately restricted. This caused significant financial hardship, including multiple declined transactions and an inability to pay for basic transportation ( including a subway ticket ). The sudden freezing of my funds, without adequate notice or due process, appears unreasonable and punitive. 

XXXX. Financial and Practical Harm The banks actions caused direct and foreseeable harm by depriving me of access to my own money when it was urgently needed. I had no indication that account closure was imminent and therefore no opportunity to secure alternate arrangements. I believe the bank failed to uphold standards of fair treatment and reasonable consumer communication expected under federal consumer protection principles. 

XXXX. Failure to Honor Promised Promotional Bonus I opened this account in reliance on Citizens Banks advertised promotional incentives totaling approximately {$500.00}, which included bonuses tied to qualifying direct deposits and debit card spending. I fulfilled the required conditions in good faith. The abrupt closure of the account appears to have effectively denied payment of the promised bonus, raising concerns regarding unfair or deceptive practices under consumer protection laws. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
On or about XX/XX/year>, I paid back my credit card Avant and intended to have the account closed with everything caught up however they friviously charged me {$75.00} annual fee although my intention was to pay off debt and cancel this card! Now Avant is refusing to refund the {$75.00}! And cancel card in good standing. Shame on this scam of a credit card company charging customers a annual fee plus interest that is highway robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson capital systems text my mom XXXX times saying who they were and about a debt on paypal late XXXX of XXXX then on XX/XX/XXXX they called her and asked to speak to me. 

They did not write to me XXXX days after first contact to explain my rights and how to dispute. A couple emails then a couple letters describing payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XX/XX/year> {$540.00} XXXX XXXX XXXXXX/XX/year> {$42000.00} XXXX XX/XX/year> {$61000.00}

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 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
TIMELINE : XX/XX/year> : I sent a debt validation request to Resurgent Capital Services/LVNV Funding via XXXX  mail, exercising my rights under FDCPA 15 USC 1692g . 

XX/XX/year> : I received XXXX contradictory letters from Resurgent Capital Services : LETTER XXXX : Claims my validation request is " frivolous and irrelevant '' and refuses to investigate, falsely stating they believe it was " submitted by, prepared on behalf of, or submitted on a form supplied by a credit repair organization. '' LETTER XXXX : States they have " initiated a review of the inquiry recently received. '' VIOLATIONS : XXXX. FALSE CLAIM : I did NOT use a credit repair organization. I personally drafted and sent the validation request myself. This is a false allegation used to evade their legal obligations. 

XXXX. FDCPA VIOLATION : Under federal law, XXXX  collectors MUST cease collection and provide validation when requested. They can not refuse based on a false claim about credit repair organizations. 

XXXX. CONTRADICTORY RESPONSES : Sending XXXX contradictory letters demonstrates bad faith and inability to properly validate this debt. 

XXXX. CONTINUING COLLECTION : Despite my validation request, they continue to report unverified information to credit bureaus. 

BACKGROUND : This debt allegedly stems from XXXX XXXX Bank. I made multiple good-faith attempts to pay XXXX XXXX but encountered severe language barriers with customer service and inability to set up online bill pay despite repeated requests. I requested to pay off and close the account and believed it was handled. The charges that led to this debt were not properly authorized. 

CURRENT STATUS : Resurgent/LVNV refuses to validate the debt. The account is still being reported to credit bureaus as unverified. I sent a follow-up letter on XX/XX/year>, demanding compliance within XXXX  days. 

This appears to be a pattern and practice by this company to avoid their federal obligations under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am submitting this complaint regarding Bank of Montreal ( BMO ) for failure to remit earned credit card rewards in the amount of {$230.00}. 

On XX/XX/XXXX, I sent a formal written demand letter via Certified Mail, Return Receipt Requested, outlining the facts of the dispute and requesting payment. Delivery was confirmed on XX/XX/XXXX at XXXX XXXX  ( USPS Tracking No. XXXX ). 

To date, I have received no response, acknowledgment, or resolution from BMO. 
This matter has been ongoing since XX/XX/XXXX. The rewards were earned in accordance with the terms of the credit card agreement and were reflected on my account prior to the dispute. 

At BMOs request, I mailed notarized identity verification documents at my own expense. Despite this, BMO has alternately stated that : the rewards check was mailed, and they are now unable to verify my identity. 

I have been informed that my account remains active ; however, I am not permitted to use my card. When I requested clarification, I was told they can not tell me the reason. I still have online access to my account but am restricted from using the card. 

Despite proper notice and multiple good-faith efforts to resolve this matter, BMO has failed to provide payment or a clear written explanation. 

I respectfully request that BMO remit the earned rewards and provide a formal written explanation addressing the conflicting statements regarding identity verification, account status, and the alleged issuance of the rewards check.

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 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App has failed to conduct a reasonable investigation under Regulation XXXX regarding a fraudulent transfer. They issued a boilerplate denial without addressing the specific evidence of the scam. I am requesting a full reversal of the transaction {$1200.00} as the platform failed to protect me from a documented security incident/scam. ''

Company response to consumer: Closed with explanation