vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, I opened up an savings account with Barclays Bank because they supposed to pay XXXX apr interest rate, and I verified the account with the XXXX deposits. At this point, I started transferring funds. I made about XXXX transfers and the last one they say they rejected it, but kept it. On XX/XX/XXXX, I started having problem logging in, and on the XXXX I realized they had restricted the account and require me to verify the account further. They had me to call in and they called the other bank with me on the XXXX way. I have a passcode on the other account, and they wanted me to verify that code while they were on the line. I was not in agreeance to allow them to hear my passcode on another bank 's account. Because I refused to verify while they were on the phone, the representative was offended and quickly set to close my account. I hung up after telling her I refused while she was on there, and I called the other bank, and spoke with them. They advised me that I could change the pass code, or remove it, afterward. I called XXXX Bank back the next day to verify, and they refused to call my bank back, and allow me to do so. They told me the account has been set to close, and I can call them back the next day and see if they will allow me to keep it. I request them to just send my funds back then, and they said the would, but is still holding my funds under the pretense of investigating. They said they are coordinating the return with my bank, but my other bank said they have not contacted them. I asked several time for them to call my bank back while I am on the line to get my funds released, and they refused, but continue to say, the funds will be release, but no time frame. In the meanwhile, I am drawing no interest because the account is closed. Only in an email there was notes that said they rejected the funds because they suspect fraud ; however, they accepted funds anyway and are holding them. I attempted several time to prove not fraud, but they refuse and still holding the funds, and not sending them back.

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am formally disputing this account in its entirety and request all documentation for the account for validation including but not limited to the original contract with my signature and financial statements of the account history from the creditor, your authority to collect this debt, proof of assignment, and your license to collect in my state to start. This dispute will serve as a notice of the inaccurate information that is on the credit reports for this account as well as the opportunity for your company to correct the account and any additional action/ enforcement on my behalf the account information on account in question is listed below : ( PORTFOLIO RC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} PORTFOLIO RC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00}, PORTFOLIO CAPIT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00} PORTFOLIO CAPITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} PORTFOLIO CREDI- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ). I have attached a copy of my license and a bill for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding the application of an annual fee increase on my XXXX XXXX XXXX XXXX. 

American Express publicly announced the annual fee change as follows : The new annual fee for each of the XXXX XXXX and XXXX XXXX XXXX is {$890.00}. For Card Members who opened accounts before XX/XX/XXXX, the new annual fee will go into effect at their next renewal date on or after XX/XX/XXXX ( XXXX Business Platinum ) or XX/XX/XXXX ( XXXX Consumer Platinum ). 

I hold a XXXX XXXX XXXX XXXX, and my annual renewal occurred in XXXX, prior to XX/XX/XXXX. However, when the annual fee posted to my account, it was charged at the increased amount of {$890.00}, rather than the prior {$690.00} annual fee. 

American Express has indicated that the annual fee increase is applied based on the posting date of the charge rather than the renewal date. However, the public announcement does not reference the posting date of the annual fee and instead repeatedly uses the term renewal date. As a result, the announcement did not disclose that a XXXX renewal could nonetheless be charged the increased fee based on a later posting date. 

As a cardmember, I reasonably relied on the communicated effective date and the use of the term renewal date when evaluating the value of the card. Applying the increased fee in this manner resulted in being charged the higher annual fee before the stated effective date, without receiving the updated benefits for a full year. 

I contacted American Express directly to seek a resolution and was offered the option to redeem Membership Rewards points to cover the annual fee. I declined this option, as it values points at approximately XXXX per point and does not address the underlying timing and disclosure concern. 

I am requesting that American Express review this matter and consider a goodwill adjustment, such as a statement credit or partial annual fee refund, to align the fee charged with how the effective date was communicated to cardmembers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am formally disputing this account in its entirety and request all documentation for the account for validation including but not limited to the original contract with my signature and financial statements of the account history from the creditor, your authority to collect this debt, proof of assignment, and your license to collect in my state to start. This dispute will serve as a notice of the inaccurate information that is on the credit reports for this account as well as the opportunity for your company to correct the account and any additional action/ enforcement on my behalf the account information on account in question is listed below : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my license and a bill for verification purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Acima Leasing company I have a XXXX  XXXX company calling and harassing me telling me Im getting sued. I have no paper work, correspondence or collections prior to this. I ask to give me address of where they are calling and they wont give me information. They say they dont have an address and I feel unsafe. They say they know where I live ( the county and address ) they will sue me and file claim with my county pretty much harassing me. I this debt is from 2024 and Im currently in Bankruptcy XXXX  XXXX. It doesnt appear on my credit report and I feel harassed and I feel like its a scam. They called me from these numbers : XXXX claim # XXXX Other number is ( XXXX ) XXXX XXXX XXXX ( no one answers when I call back they just leave voicemails they left 2 voicemails so far. Which I will attach )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I filed a dispute with my bank, Truist, after paying for a product from the company XXXX but not receiving my merchandise. Unfortunately, XXXX delivered my package to the wrong address, and it was never received by me or returned. Although the merchant offered to reship the product, the production time was too lengthy. Therefore, we agreed to issue a refund to my account. 

On XX/XX/year>, at XXXX XXXX EST, I received an email confirmation from Truist Bank stating that they had received my claim and would provide periodic updates. Since I filed my claim, both the merchant and I have been communicating with XXXX  ( XXXX? ) XXXX is the analyst assigned to my case at Truist. However, she has failed to provide any updates or contact the merchant, despite their request to confirm their approval of the chargeback to my account. She has made only one call to me, on XX/XX/year>, though the merchant and I have since made calls and exchanged correspondence, copying XXXX XXXX and Truist, to settle this claim. To date, XXXX XXXX has not responded to or followed up with either of us, even though we have submitted several requests since her XX/XX/year>, phone call, leaving us in limbo. The claim is for {$210.00}.

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bilt Technologies, Inc.
State: KS

Complaint narrative:
I signed up for a new built XXXX  credit card on XXXX XX/XX/year> with the points guy promotion of XXXX points per dollar spent up to XXXX XXXX but the company refuses to honor their promotional rate. This has been a disappointing experience in a direct breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: CT

Complaint narrative:
I am submitting this complaint because Citibank has engaged in what appears to be a pattern and practice of obstructing the consumer dispute process by asserting that additional information is required while failing to provide the required notice or correspondence identifying what information is needed. 

Citibank has represented that it needs more information from me in order to proceed with my credit-card dispute. However, no such letter, notice, or request exists in my account records, online portal, or correspondence history, nor was any such notice received by mail or electronically. Citibank has been unable or unwilling to produce the alleged correspondence upon request. 

This conduct places the consumer in an impossible positionCitibank asserts non-compliance while simultaneously withholding or failing to generate the very notice required for compliance. This appears to be a systemic failure in Citibanks dispute-handling, recordkeeping, and consumer notification processes, rather than an isolated incident.

The practical effect of this pattern and practice is to delay, deny, or discourage legitimate disputes by creating artificial procedural barriers, while shifting blame to the consumer for not responding to a notice that was never provided. Such conduct undermines the purpose of the Fair Credit Billing Act and related consumer-protection requirements. 

Despite repeated efforts to obtain clarification, Citibank has not identified the specific information allegedly requested, nor produced evidence that proper notice was ever issued. As a result, I have been deprived of a meaningful opportunity to respond, cure, or participate in the dispute process.

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
A debt collection agency contacted my mother, who is not a co-signer, guarantor, or otherwise responsible for any debt in my name. 

On or about XXXX, the agency sent an email directly to her disclosing my full name, the name of the creditor, and the exact amount allegedly owed. I did not authorize any third-party communication. 

After this initial unauthorized disclosure, the same collection agency emailed my mother again, continuing to disclose details of my alleged debt. These emails were sent early in the morning and caused her significant stress. 

This conduct constitutes repeated, unauthorized third-party disclosure of debt information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that this matter be investigated and that the company be required to cease all third-party contact and correct any harm caused by these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy FederaXXXX closed my credit card account. 
They closed the account before they sent the letter to close the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
Keep making false claims on my credit report I have no knowledge of at all or who they are Jefferson Capital systems LLC, an XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
-Car was repossessed on XX/XX/year> -I contacted Ally following to discuss options for reinstatement, but was informed that reinstatement was not an option and I needed to pay the full amount that was remaining on car -I sent letters to Ally to halt the sale at auction and for them to provide an extension -extension was granted to XX/XX/XXXX -I contacted Ally to request a copy of the repossession notice -Upon receipt of the notice, it was explained the reason for the reinstatement denial was due to the vehicle having been moved from XXXX to XXXX  to avoid repossession -I contacted the redemption office to explain the error in the declaration and explain that the car was registered in XXXX  since it's purchase in XXXX  and has never been in XXXX -i have spoken with Ally in the past months to make payments and reported that I was in XXXX  ; this should have been documented & available in their account database -Redemption representative ignored this fact and then stated that the denial was due to missed payments -I explained that the missed payments was due to financial hardship and reiterated that based on the correspondence that was sent to me by Ally the denial is based on inaccurate information and should be overturned -I sent a letter to Ally via email on XX/XX/year> requesting a reinstatement due to the clerical error that is no fault of my own -Representative refused to offer an options of reinstatement despite the clerical error and the XXXX  law around reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
I was scammed by someone saying they was chime XX/XX/XXXXDept. I sent money to someone thinking it was my new account. Because that's what they told me. I'd like my money bk. Chime is denying me my money bk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union XXXXXXXX XXXX XXXX and issued a Notice of XXXX dated XX/XX/year> stating that personal property inside the vehicle would be held and available through XX/XX/year>. 
On Monday XX/XX/XXXX, I appeared at the recovery facility ( XXXX XXXX ) to retrieve my personal property. I was denied access unless I surrendered my key, despite law enforcement being present. ( Officers A. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
I am not requesting to operate or start the XXXX and did not consent to voluntary surrender. I requested access solely for personal property retrieval. 
I requested that Navy Federal issue written authorization to allow personal property retrieval only, or alternatively provide a complete written inventory of all personal property currently held, including date, time, and storage location. 
Authorization has not been issued, and no inventory has been provided. Personal property is not collateral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding my business checking account with BMO Bank at the XXXXXXXX XXXX branch. 

On or about XX/XX/year>, my account was frozen by the branch XXXX without prior notice, explanation, or written documentation. I repeatedly requested information and was told the XXXX would contact me, by members of the back office, XXXXXXXX XXXX XXXX, XXXX branch, XXXX ( business banker at XXXX XXXX and XXXX ( account XXXX at XXXX branch ), but no communication was ever provided. 

The account remained frozen for approximately XXXX week. 

During this period, legitimate business transactions totaling {$17000.00} were returned or dishonored solely due to the banks restriction. These returned payments caused bounced transactions, fees, and disruption to my business operations and vendor relationships. 

I was not accused of fraud, no documentation was requested from me, and no written justification has been provided. The freeze appears arbitrary and inconsistent with ordinary banking practices. 

Because the banks actions directly caused financial harm to my business, I am requesting : Written explanation for the freeze XXXX authorization and account notes Reimbursement of all resulting losses and fees XXXX that this will not occur again without proper notice I am seeking immediate resolution and reimbursement of damages

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am writing to formally request validation of the collection account referenced in your recent correspondence. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper documentation verifying the validity of this alleged debt. This documentation should include the name of the original creditor, the total amount claimed, a complete payment history, and proof that I am legally obligated for the account. This request is made to ensure that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I respectfully request that all collection activity and credit reporting related to this account be suspended in accordance with applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reese Law Group
State: CA

Complaint narrative:
Subject : Complaint Regarding Debt Collector Non-Responsiveness and Denial of Settlement Completion To Whom It May Concern, I am submitting this complaint regarding a debt collection matter involving XXXX XXXX and its assigned collection agency, Reese Law Group. 

In late XXXX, I entered into a direct settlement agreement with XXXX XXXX regarding a credit card account. I faithfully made XXXX consecutive monthly payments under that agreement and was nearing full completion, with only XXXX final payments remaining. 

Due to a period of XXXX XXXX XXXX XXXX XXXX XXXX, I inadvertently missed the last XXXX payments. As soon as I realized this, I immediately contacted XXXX XXXX with the intent and ability to pay the remaining balance in full and complete the settlement. 

XXXX XXXX informed me that the account had already been transferred to Reese Law Group. I promptly contacted Reese Law Group ( XXXX ) and was told my account was assigned to an agent named XXXX XXXX at ext XXXX ). I have made multiple good-faith attempts to contact her to resolve this matter and pay the remaining balance. My calls and messages have gone unanswered, and I have not been provided a clear path to reinstate or complete the original settlement. 

Additionally, Reese Law Group has indicated that they require a release from Clarity Debt Resolution a company I briefly engaged in the past ( more than XXXX years ago ) but am no longer working with before they will engage with me. This has further delayed resolution and appears unnecessary, as my XXXX agreement was directly with XXXX XXXX and nearly completed. 

I am actively attempting to resolve this debt, have the funds available to do so, and am being prevented from completing payment due to lack of responsiveness and procedural barriers beyond my control. Meanwhile, the account continues to negatively impact my credit. 

I respectfully request assistance in : Prompt engagement from Reese Law Group The ability to complete the final payments ( separately or in full ) Fair treatment in recognition of my substantial compliance with the original settlement Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Untimely response