vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: KY

Complaint narrative:
Originally this {$62.00} and some change for gas from XXXX showed up my city strata, formally city thank you card and I told them it wasnt valid and they removed it but then it popped up later on my city thank you card that I dont even use in public and have it for years. They give me a stupid receipt that is not a real receipt. Its fraudulent receipt and when they took that charge off, they put more fraudulent charges on my account to replace it. Theyve got fraudulent XXXX and XXXX cards and come to find out I paid over XXXX as well for a balance transfer to XXXX XXXX and they didnt do the balance transfer. I paid for it and I paid Citibank for nothing and what they really did was rearrange all my purchases. historically and raid my bank account them. and others. Thats their idea of a balance transfer as you pay for everything you buy three times. And then they just keep the money. From what Im observing on my statement at different credit card companies, including Citibank is that all my refunds are being taken from me and then they were put in a savings account and then I had to pay for everything over again plus the balance transfer and anything that I returned I had to pay for in addition to made up purchases that were purely fraudulent. So I only do I pay for the things that are refunded, I pay for fraudulent charges, and I pay for the same purchases. I made over and over again. This is predatory lending and Im being taken advantage of because Im XXXX and Ive been targeted for that reason because they thought I wouldnt notice and I didnt for a while but I finally woke up and smelled the coffee. Im definitely at target and theyre definitely gaining financially of me and I am suffering for it. The point of a balance transfer is to take over the balance, not make you pay for old purchases purchases you didnt ever make and pay for the amount to cover what you were trying to replace instead of double or triple. this is not how a normal balance transfer works. Typically within normal balance transfer that 0 % but you have the fee you pay the fee and it takes over the balance. Theres no rating of peoples bank account rearranging all their purchases putting them on different credit cards taken away the refund and making them pay over again for everything they bought and anything they returned plus new purchases plus the bank. Thats a lot and not terms I agreed to and he definitely didnt fulfill your into the bargain because I received no balance transfer payoff of anything from Citibank and associated with this large transaction. What I got is way more debt because of Citibank and the other financial institutions that worked with them to do this to me.

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 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
I had a long term medical condition where I was out of work for a long period of time and unable to make my mortgage payments. Carrington mortgage would not help me and told me they were starting foreclosure. I went to an attorney and filed for bankruptcy so I could save my home. While I was in the process of this, Carrington sent my attorney an email that if I wanted, they would allow me to enter into a Trial Payment Plan. I decided to move forward with that and discharge my bankruptcy. I had previously sent a mortgage payment in to Carrington when I was having my bankruptcy discharged. My first trial payment was for XX/XX/year>. I called Carrington to make that payment. I spoke first with XXXX in their bankruptcy department. I asked her how my payments would be applied since my bankruptcy had already been discharged. She explained that it's always possible Carrington 's computer system may not catch up but when I call to make a payment, to explain to the representative that I am calling to make my trial payment and that I am no longer in bankruptcy. I called on XX/XX/year> to make my first payment and since I had previously mailed in a payment in XXXX, I asked if that money can be applied to my trial payment as my bankruptcy had already been discharged. I was told YES it could. I asked numerous times to make sure this was okay and again I was told yes by the Carrington Rep. I asked how much the balance would be once they applied that money and was told the balance for my first trial payment would be {$410.00}. I asked again if that amount would make me paid in full for XXXX ( XXXX repayment ) and was told YES. The payment posted to my account in XXXX. When I called to make my XXXX payment, I was told that I did not make my first payment on time and that the Trial payment plan was canceled. I asked to speak with a supervisor who went back and looked at my recorded calls. He said he saw in the call log that Carrington made the mistake in telling me that I could use the money from my previous payment towards my trial payment plan. He said Carrington made the mistake and I did not and the Trial payment plan should not have been canceled. He said for e to apply for another request for mortgage assistance and ask for a new Trial payment plan. After almost 4 weeks and emails/phone calls, Carrington denied me for everything except a short sale. When I emailed the person who manages my loan, he said " You were denied, sorry, your loan is going to foreclosure '' I sent a letter of appeal yesterday XX/XX/year> and have not received any confirmation that they received it yet. This is the XXXX appeal I have submitted to Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
I rec 'd a prepaid card for {$170.00} for the credit balance on a closed XXXX acct in XXXX. I requested a check ( instead of a card ) online. I never rec 'd a paper check and the prepaid card was cancelled. I spoke to someone in the customer service dept ( XXXX ) at least XXXX different times and sent emails ( XXXX ) over 10 times. I've been told a check was sent each time and that I would receive it in 7-10 days. I have never rec 'd a check. My issue was supposedly escalated by the last customer service rep I spoke to on XX/XX/year> and I was supposed to get a call back within XXXX hours ... which I did not. I don't know what else to do other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am a victim of identity theft. An individual used my personal information to open a credit card account with Barclays Bank. I reported this incident to Barclays on XX/XX/XXXX. I was informed that the account would be closed and that an investigation for fraud would be conducted. I was told that this process would take approximately XXXX to 45 days. Upon completion of the investigation, I was told that I would receive a letter from Barclays with the results. However, I did not receive this correspondence. I contacted Barclays again on XX/XX/XXXX, and was advised that the process typically takes 1 to 2 billing cycles. Still, I received no communication or updates. On XX/XX/XXXX, I reached out once more, and the issue was escalated. I was provided with reference number XXXX and was told that the review would be completed within 10 business days. As I did not receive any updates, I contacted Barclays again on XX/XX/XXXX. I was advised that there was still no resolution and that the case had been escalated again, with an expectation of resolution within 10 business days. It is now XX/XX/XXXX, and I have yet to receive any communication from Barclays regarding the status of my case. Barclays has not fulfilled their obligation to thoroughly investigate the fraudulent account, and despite multiple escalations, there has been no communication or update provided to me. Barclays Bank has utterly failed to do their job or show any sense of responsibility. I don't have any full card info from this company as I was never sent a card, just a delinquent notice to my house so I knew it was fraud and then knew I must contact 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I am filing this formal complaint against Mercedes-Benz Financial Services ( MBFS ) for egregious bad faith, manufactured default, and submitting falsified evidence to a federal regulatory body. Following a XX/XX/XXXX agreement to allow reinstatement, MBFS intentionally manufactured a default by withholding payoff information until the eve of a federal holiday ( XX/XX/XXXX ), then imposing an impossible 24-hour deadline. Despite this, I tendered the full amount of {$6000.00}, which MBFXXXX accepted and held for 27 days before unilaterally denying reinstatement. In their previous response to the CFPB ( XX/XX/XXXX ), MBFS claimed they issued a refund via FedEx Tracking ID XXXX. However, as shown in the attached transcript with the FedEx Virtual Assistant, this tracking number is invalid and non-existent. It is now XXXX, and MBFS continues to withhold my {$6000.00} while providing unverifiable " proof of delivery '' to this Bureau. Furthermore, MBFS is in direct violation of the Illinois 30 % Rule ( XXXX ILCS XXXX ). As a consumer who has paid over 30 % of the vehicle value, I have a mandatory statutory right to reinstate. MBFS bypassed the required 21-day notice window and is now attempting to sell the vehicle in bad faith while ignoring an active investigation by the Illinois Attorney General and the ICC Police XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XXXX TD BANK was requested verification and validation. They have not came to a resolution nor did the CRA complete the investigation. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies ( XXXX XXXX XXXX ) are required to complete investigations of disputed information within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a written debt validation letter via USPS Certified Mail, which was delivered on XX/XX/year> at XXXX XXXX, XXXX, GA XXXX to National Credit Systems requesting verification of an alleged {$5700.00} debt originally from XXXX at XXXX XXXX. As of XX/XX/year> 21 days after confirmed delivery National Credit Systems has provided zero response : no verification letter, no proof of the original creditors claim, and no proof of authority to collect. Despite receiving my validation request, National Credit Systems continued active collection activity by updating the balance on my XXXX credit report as recently as XX/XX/year> one day after receipt of my dispute letter. This violates 15 U.S.C. 1692g ( b ), which requires all collection activity to cease until validation is provided. Furthermore, I dispute this debt in its entirety. The lease with XXXX at XXXX XXXX was terminated in writing prior to any occupancy. I never took possession of the unit and therefore do not owe this debt. National Credit Systems continues to report this unvalidated, disputed debt as a active collection account on my XXXX credit report, causing significant damage to my credit score and impairing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting this complaint regarding an alleged debt associated with LVNV Funding LLC and its agents, including XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. On XXXX XXXX, 2025, I sent a written debt validation request to LVNV Funding LLC via certified mail requesting verification of this alleged debt. I did not receive a proper response. On XXXX XXXX, 2025, I received a collection notice from XXXX XXXX XXXX, XXXX attempting to collect on behalf of LVNV Funding LLC for an alleged balance of {$2400.00}. In response, I sent a second written debt validation request on XX/XX/XXXX2025 to XXXX XXXX XXXX, XXXX via certified mail. This request included a demand for : Proof of the debt A complete chain of assignment from the original creditor ( XXXX XXXX XXXX ) to LVNV Funding LLC Proof of authority to collect in Louisiana A copy of the original signed agreement A full itemized accounting of the balance XXXX XXXX XXXX, XXXX did not respond to this validation request. Instead, in XXXX 2026, I received correspondence from XXXX XXXX XXXX, which is a different entity. This raises concerns about whether my validation request was properly handled and whether the responding party had authority to validate the debt on behalf of XXXX XXXX XXXX XXXX XXXX. Additionally, the documents that were provided appear to be account summaries or generic account information rather than actual validation documents. They do not include the original signed agreement, a complete chain of assignment, or sufficient documentation to establish that the alleged debt is valid and enforceable. Despite multiple written validation requests sent via certified mail, I have not received proper validation from the entity that initiated collection. This situation demonstrates : Failure to respond to a written debt validation request Inconsistent handling of the account across multiple entities Lack of clear chain of ownership or authority to collect Provision of insufficient documentation that does not meet validation requirements Continued reporting or collection activity without proper validation This account remains disputed and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
In XX/XX/year> Santander had my vehicle towed before I could start a XXXX XXXX. By doing this my vehicle was taken against my will without me being allowed to retrieve my personal belonging which included a training log that was needed for my employment. Since I no longer have the folder containing my training progress I can not move forward in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am filing this complaint regarding Barclays handling of unauthorized transactions and subsequent billing inaccuracies on my account. Between XX/XX/XXXX and XX/XX/XXXX, approximately {$6200.00} in transactions were made that I did not authorize. I reported these charges immediately on XX/XX/XXXX. Barclays initially credited the full amount of the disputed transactions. However, they later reversed approximately {$4100.00} of those credits, claiming the charges were valid. After this reversal, the account balance became inconsistent and increased beyond the original disputed amount. At one point, the balance exceeded {$9000.00}, which is significantly higher than the original {$6200.00} in disputed transactions. Following multiple calls and escalations, Barclays adjusted the balance again, reducing it to approximately {$7800.00}. I made a payment of {$410.00} solely to avoid credit damage while this dispute remains unresolved, bringing the balance to approximately {$7400.00}. Throughout this process, Barclays has been inconsistent in both the amounts applied to the account and in its explanation of the investigation. Barclays has denied my fraud claim based primarily on a single alleged SMS verification related to one transaction. However, they have refused to provide any supporting documentation, including : The content of the SMS message Timestamped authentication records Device/IP verification logs Any merchant-provided evidence I have repeatedly requested this information and have not received it. Additionally, I was verbally informed by a Barclays representative in XXXX XXXX that the case had been reclassified from fraud to a billing dispute with a 30-day resolution timeframe. However, I have received no written confirmation of this change and no evidence that a proper dispute investigation was conducted. I have provided Barclays with documentation from the merchant ( XXXX XXXX XXXX ) showing that during the same timeframe : My account was flagged for shared device usage Multiple accounts were using the same payment methods There were repeated failed deposit attempts This indicates irregular and potentially unauthorized activity, which Barclays has not meaningfully addressed. Despite the dispute remaining unresolved, Barclays continues to assess interest and has reported or is preparing to report the balance, causing potential harm to my credit. I believe Barclays has failed to conduct a reasonable investigation and has also failed to maintain accurate billing on the 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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Bank of America checking account ( account ending in XXXX ). There are multiple transactions totaling {$7400.00} from XXXX XXXX that I did not authorize. I first reported this issue on XX/XX/year>2026 ( Claim ID : XXXX ). However, my claim was closed without a proper investigation and incorrectly labeled as authorized. I then submitted additional documentation via fax, and the case was reopened on XXXX XXXX, 2026 for reconsideration. I also contacted XXXX XXXX directly, and they confirmed that they have no record of any account or transactions under my name. They also stated that no bank has contacted them regarding this matter, which raises serious concerns about the quality and legitimacy of the banks investigation. As of XXXX XXXX, 2026, the claim is still under investigation, but the bank has refused to provide provisional credit and has not given me a clear explanation for denying it. This situation is causing me significant financial hardship, as I do not have access to these funds for essential expenses. I am requesting : Immediate issuance of provisional credit A full and proper investigation, including direct contact with the merchant A clear explanation of why my claim was denied without investigation Assurance that the case will not be closed again without proper review A confirmed timeline for final resolution I have made multiple attempts to resolve this issue directly with the bank without success

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
b'My name is is XXXX XXXX.\nXXXX XXXX\nI lost my phone cant log in need some one help update new email. XXXXnMy new number XXXXCompany - Robinhood. ( trading)\n \nThanks.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: NY

Complaint narrative:
I am disputing an account reported by Resurgent Receivables LLC that I do not recognize and have never validated as mine. The account appears on my XXXX credit report under the name RESURGERECVE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and on my Experian credit report under a different name, RC/RESURGENT RECEIVABL, for the identical {$780.00} balance and account number. Reporting the same debt under two different tradeline names across two separate credit bureaus is a violation of XXXX XXXX reporting standards and FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting. In XX/XX/year> I formally disputed this account and demanded validation from Resurgent Receivables LLC, putting them on notice that I do not recognize this debt and requesting proof that it belongs to me, including a signed original agreement, complete payment history, and documentation of their legal right to collect. Resurgent has never provided any validation of this debt. Despite receiving my dispute and failing to validate, Resurgent has continued to report this account on my XXXX XXXX XXXX credit reports, where it remains active to this day. Under the Fair Debt Collection Practices Act 1692g, a debt collector must cease collection activity including credit reporting until the debt is properly validated upon consumer request. Resurgent 's continued reporting without validation constitutes a violation of FDCPA 1692g, 1692e, and 1692f. Their reporting of the same debt under two different names across two bureaus constitutes an additional violation of FCRA 1681s-2 ( b ), which requires furnishers to report accurately and consistently. I am requesting that the CFPB compel Resurgent Receivables LLC to immediately validate this debt with primary source documentation or delete both tradeline entries RESURGERECVE from TransUnion and RC/RESURGENT RECEIVABL from Experian and cease all collection activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt

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