vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/year>, my bank account was frozen due to some investigation with my mothers account. My account and all my other siblings account were affected. We are all under going the same issue where we cant pay our bills because of it. I have contacted customer support many times from XXXX XXXX. They asked me to come into a branch. I asked them to release funds so I can pay for my bills. They also said they would let any payments that were automatic go through which is false. He said he would email corporate to try to release the funds but they take a long time to reply. So what am I left to do? Additionally the fact that I am the primary owner of the account and XXXX not the XXXX under investigation is wild to me that my account is frozen and they wont even lend me funds to pay bills or buy food.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Re : Account XXXX Original Creditor : LVNV FUNDING LLC To Whom It May Concern, I am writing in response to your recent communication regarding the account referenced above. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 

The name and address of the original creditor. 

Documentation showing that LVNV Funding LLC has the legal right to collect this debt, including proof of assignment or purchase of the account. 

A copy of the original signed agreement or contract that created the obligation. 

The date of default and the date the debt was acquired by LVNV Funding LLC. 

Please note that this request is not an acknowledgment of responsibility for this debt. Until you provide the requested validation, you must cease all collection activity and reporting to credit bureaus in accordance with the FDCPA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MD XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I deposited a check into my account at Santander bank for XXXX. I deposited this check back in XXXX XXXXSantander bank XXXX XXXX account so I went into the branch. I went into the branch twice trying to fix the issue on my account and was told I will get a phone call from Santander. fast forward its been almost XXXX  months and i still haven't received any phone call from Santander and I don't live in a state where Santander bank is located at the moment XXXX have went to the branch and its has been a run around circle. after sometime now I figured Santander would send me a check in the mail but I have called them last week and they stated they do not send close the account or send checks. this is Absolutely ridiculous for a bank to hold funds for XXXX  months plus on a real check. I been going back and forth with Santander back and forth to the branch..

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 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened a Marcus by Goldman Sachs high-yield savings account approximately three weeks ago and deposited approximately {$50000.00} from another savings account that I owned. The previous savings account had a promotional interest rate that had expired, which was why I transferred the money out and closed the account. 

On XX/XX/year>, I attempted to transfer {$16000.00} via ACH to my linked checking account. The transfer was blocked. 

Marcus representatives stated the restriction was due to the account being recently opened and considered suspicious, but they would not provide any timeline for resolution or specify any steps required to regain access to my funds. No one was willing to tell me when I would have access to my funds or provide any steps to lift the restrictions. 

Due to the lack of clarity, I requested closure of the account. I still have not been provided with a clear explanation of how or when my remaining funds will be returned. 

I am concerned about the restriction of access to my deposited funds without a stated timeframe or clear next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I signed up for a Barclays Frontier Airlines XXXX XXXX with the benefits being offered of instant gold status on XXXX as well as XXXX free checked bags on my flight. When I signed up, I provided my frequent flyer number from XXXX. Unfortunately, Barclays assigned me a new frontier account number. I am unable to access any of the benefits promised as I can not access the account on frontier that they made me. I have contacted Barclays who tells me to contact XXXX and merge the XXXX numbers. 

I have done this no less than XXXX times- XXXX does not merge the accounts as they say they can see the Barclays account number but that it does not exist when they try to merge them. I have tried to access that number as well on XXXX 's website and it says the account number does not exist. 

I have contacted Barclays XXXX times - each time telling me that they can't do anything - only XXXX can. I have spent countless hours talking to XXXX with no resolution as the error appears to be on Barclays side. 

I signed up for the card through Barclays, paid a {$100.00} annual fee, spent over the {$3000.00} required to receive gold status for a year - and yet I have received none of the benefits that I qualify for.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint as a related matter to a previously filed CFPB complaint involving American Express. 

On XX/XX/year>, American Express notified me that a {$560.00} payment was received and processed on my account ( screenshot attached ). Based on this notice, I reasonably believed the payment obligation had been satisfied as of that date. 

Subsequently, I received notifications stating that the same payment was returned for insufficient funds and would be retried. This returned-payment status was then used by American Express XXXX XXXX : Account-level holds Transaction declines Purchasing disruptions Negative impact to my available credit / credit limit The issue is that American Express represented the XXXX XXXX received and processed on XX/XX/XXXX, yet later treated it as unpaid or returned. If the payment was marked as processed before the funds were actually presented to my bank, this reflects a delay or inconsistency in American Expresss payment processing, not a clear or timely failure on my part. 

This conflicting payment status caused confusion and directly contributed to declined transactions, holds, and adverse account actions. I was not provided a clear explanation of : When the payment was actually presented to my bank Why it was marked processed before final settlement How American Expresss internal timing affected subsequent restrictions This matter concerns inaccurate or misleading account information, delayed XXXX XXXX, and downstream harm caused by that delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to dispute the validity and accuracy of account number [ Insert Account Number Here ]. 
This account was dormant for four years, starting at a balance of approximately {$700.00}. Portfolio Recovery Associates ( XXXX ) then made the balance jump to {$1100.00}. Furthermore, the balance has been wildly fluctuating, including drops from {$1100.00} to {$1000.00} and immediate increases back to {$1100.00}, all within days ( see screenshots from XX/XX/year> ). 
This inconsistent reporting demonstrates an inability to accurately account for the debt. The current balance represents an APR of approximately 132 %, which vastly exceeds Arizona 's statutory interest rate cap of 10 % ( A.R.S. 44-1201 ) unless a specific written contract ( which they have not provided ) states otherwise. 
The credit bureau " verified '' this inaccurate information, which is a violation of the FCRA. I have attached all relevant screenshots showing these fluctuations and score drops as evidence. 
I request that Portfolio Recovery Associates immediately cease attempts to collect this unsubstantiated interest and provide a full, itemized ledger verifying the 10 % statutory rate was used. I also demand the removal of this inaccurate entry from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 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: NE

Complaint narrative:
I previously filed a dispute with TransUnion regarding an LVNV FUNDING LLC collection account. The dispute has either disappeared from my report or the account status keeps flipping between open and closed which is inaccurate and misleading. The account is being reported as a full-balance collection but this debt was fully paid off in 2020 and I have already provided proof of payment. LVNV has not provided verifiable documentation proving any current balance or ownership and the account also shows repeated inconsistencies including missing activity dates and unexplained status changes which make it unverifiable under the Fair Credit Reporting Act. TransUnion has a legal obligation to maintain accurate reporting and complete disputes within the FCRA required timeframe. I request that TransUnion remove this account entirely from my credit report immediately because it is inaccurate, unverifiable, and has already been paid. Failure to act may constitute a violation of FCRA and regulatory standards. I have attached screenshots showing the dispute status, proof of payment, and account inconsistencies.

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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/year> XXXX XXXX of XXXX Altered my financial paperwork between Capital One Auto finance and I never agreed to the second contract but Capital One Auto finance wouldn't listen or look at the paperwork I didn't get the second financial paperwork until XX/XX/year>. I've called and tried everything possible and nothing has been accomplished. Capital One Auto finance has ruined my credit locked me out of my credit cards and changed my payments around..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I've been to the XXXX several times over the last few years. On XXXX occasion ( not exactly sure of the date ), I misplaced a folder with all of my documents inside of it. Later on, I noticed that I had multiple accounts showing on my credit report. I'm sending you everything that I have regarding this matter as requested. 

Enclosed is a copy of my identity theft report, which includes other accounts that were fraudulently opened as well. XXXX of the accounts now belong to Portfolio Recovery Associates. I also provided a copy of my driver 's license and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My private student loans were discharged due to verified school misconduct related to Illinois XXXX XXXX XXXX. MOHELA processed the discharge and set my loan balance to {$0.00}. 

I have paid approximately {$52000.00} toward these private loans over the life of the account. After the discharge was approved, MOHELA issued a partial refund of {$3000.00}, representing payments made after my discharge application was received. 

I requested a written explanation identifying the contractual, statutory, or regulatory authority for MOHELAs refusal to refund payments made prior to my discharge application, given that the loans were voided due to school misconduct. 

MOHELA responded in writing stating that refunds for private loans are limited to payments made after receipt of the discharge application and distinguished this from the federal Borrower Defense process. However, MOHELA did not cite any loan contract provision, statute, regulation, or CFPB guidance supporting this limitation.

MOHELAs response provides a conclusion without legal or contractual support and mischaracterizes my request as a program benefit issue rather than restitution for payments made under loans discharged for verified misconduct. Retaining payments made under fraud-tainted loans constitutes unjust enrichment. 

I am requesting that MOHELA provide the legal basis for retaining payments made prior to my approved school misconduct discharge or issue appropriate restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I closed my account while it was in good standing due to the lack of consistent responses and subpar customer service. I expressed my dissatisfaction with the membership cost increase, which felt excessive given the inadequate customer support I was receiving. 
-It 's important to note that I reported various issues with not receiving rewards on my XXXX XXXX credit card. These concerns were never addressed or corrected. -Additionally, my credit limit changed without notification, which was incredibly disturbing, especially when I discovered it through a declined transaction. The generic documentation I received was dated well after the limit change and my inquire this fact provided no reasonable justification. 
-Many of my written inquiries sent via XXXX went unacknowledged. When I inquired online, each respondent from different departments provided conflicting answers, leading to a lack of resolution regarding my financial losses. I found myself bearing the financial burden for employee errors and dismissive responses. 
-Additionally, I am extremely concerned about the unauthorized sharing of my credit card number and other personally identifiable information ( PII ), which occurred despite my explicit request to limit its use to the strictest minimal parameters allowed by law. Despite multiple requests to ensure my PII was protected, I discovered that my credit card number was still stored and shared with third parties, even after I requested a new credit card number. 
-Moreover, there has been a continuous increase in my interest rate, with all charges on the account accruing at a higher rate. I also received a notice regarding an even higher interest rate to come, which I find unacceptable. 
-Lastly, my request for ADA communication accommodations was never honored. Chase continued to request phone calls despite knowing I was unable to make them. The delay in addressing my concerns diluted the urgency of my requests, resulting in untimely replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am filing this complaint regarding an impersonation fraud that resulted in a loss of {$8300.00} from my Wells Fargo checking and savings account on XX/XX/year>. 

I was contacted by individuals impersonating Wells Fargo employees who claimed my account was actively being hacked. The scammers sent me Wells Fargobranded text messages, communicated using bank-style language, and convincingly represented themselves as Wells Fargo XXXX  personnel. I believed I was speaking with Wells Fargo and was following bank instructions to secure my account. 

Under this deception, I was instructed to transfer funds, which I did while believing I was protecting my money from theft. At no point did I intend to send funds to a third party for personal reasons. I was acting under the belief that Wells Fargo was directing me during an active fraud situation. 

Wells Fargo later denied my claim on the basis that I authorized the transactions, despite the fact that this was impersonation fraud and social engineering, not a voluntary transfer. The fraud relied on spoofed communications and false representations of bank authority. 

I have been a Wells Fargo customer for approximately 20 years and currently hold multiple products, including checking, savings, credit cards, and loans. I believe Wells Fargo failed to adequately protect me from a well-documented form of bank impersonation fraud and failed to fairly evaluate my claim. 

I am requesting that Wells Fargo : Reopen and reevaluate my fraud claim Provide reimbursement, at least partially, for the {$8300.00} lost Review whether their systems allowed spoofed Wells Fargo messages to reach me and contribute to this fraud This loss has caused significant financial hardship. I am requesting a fair and good-faith resolution.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/XXXX, I attempted to use my debit card and it was declined. I called the number on my card and was advised " US bank decided to end their relationship with me '' The account would be closed and as soon as the pending transactions cleared I would receive a letter stating why the account was closed. I was advised my funds in the account are frozen and I could not withdraw them. I waited a week, never received my money or a letter for the reason they closed my account so I called again. I was told on XX/XX/XXXX that all transactions had cleared and I should be receiving that check anyday. I waited another week and again, nothing, no letter, no check for my money. Again .. Called US BANK XXXX XX/XX/XXXX.. I was told this time that account had not yet been closed and that it should be closing any day so I should be receiving the funds at any time. 
I let it go for XXXX weeks this time. I called again today XXXX, now today I was told by the first representative that the fraud department can help me to transfer my funds instead of waiting on a cashier check... I was transferred to XXXX dept and told no they will not release my funds until they have completed their review of the account and that has not yet been done. I asked how much longer this was going to take as it has already been over a month and I was told it could anywhere up to XXXX months to complete. I expressed how absolutely ridiculous this ius that they can hold my money for this amount of time. If they are considering me a " fraud risk '' as they put it, they could reach out and ask for documention on my deposits and Id be happy to explain as well as provide documentation for it. This is 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