vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had multiple promotional balance transfer offers on my Citibank credit card account. XXXX promotional balance transfer ( Offer XXXX ) carried a 0 % APR and was scheduled to expire on XX/XX/XXXX. I also had a newer promotional balance transfer at XXXX % APR expiring XX/XX/XXXX. On XX/XX/XXXX, before the expiration of Offer XXXX, I made a payment of {$16000.00} with the intention of paying off the promotional balance that was expiring the following day in order to avoid post-promotional interest charges. However, Citibank applied a portion of this payment toward the newer 1.99 % promotional balance instead of fully satisfying the expiring 0 % promotional balance. As a result, the remaining balance from Offer XXXX expired and began accruing significantly higher interest charges. Additionally, approximately XXXX week before the expiration date, I contacted Citibank customer service regarding this issue. During that call, on a recorded line, I was informed that the resulting interest charges would be reimbursed and that I only needed to make the minimum payment. I noted the interaction reference as ID : XXXX. Relying on the information provided by Citibanks representative, I believed the matter would be resolved appropriately. However, when I contacted Citibank again the following week, I was informed that no reimbursement or adjustment would be honored. I subsequently spoke with multiple supervisors, but Citibank declined to provide any correction, reimbursement, or adjustment. I believe this outcome was unfair and inconsistent with reasonable consumer expectations because : * the payment was made before the promotional expiration date, * the payment amount was substantial and intended to satisfy the expiring balance, * and I relied in good faith on guidance provided by Citibanks representative on a recorded line. I respectfully request : * a review of the payment allocation, * review of the recorded call associated with ID : XXXX, * reversal of the resulting interest charges, * and consideration for a goodwill adjustment or promotional APR reinstatement exception.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Well today XX/XX/XXXX I called both Indigo card and Spring Oaks Capital and explained that back in XXXX when I had that card that my purse was stolen and I had just paid my credit card but since it was stolen that made me have to get all my personal information over again and why nobody thought the charges was strange or bothered to call me. XXXX XXXX apologized but they couldn't get into the account was closed and also there was no theft insurance on the account. I think that theft insurance was never offered. I called Spring Oaks Capital to explain the same story but the woman on the phone wanted a dollar from debit or credit to even verify that it was me. Who calls a debt collector to dispute the account if not the actual person paying? Scammers pay bills too? Let me know. Plus her phone signal was scrambling real bad but she didn't do anything unless she had my card information. I said to myself that is extremely strange. I didn't go to the police because it was stolen out my car and I didn '' t have a description of a suspect to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
CFPB Complaint Regarding Barclays Credit Reporting I am submitting a complaint regarding inaccurate and harmful credit reporting by Barclays Delaware concerning my credit card account ending in XXXX. Barclays reported late payments that I believe are inaccurate, unfair, or not fully investigated before furnishing to the credit bureaus. The negative reporting has severely impacted my credit score and financial opportunities. I requested proper review and validation of the reporting ; however, the account continues reflecting derogatory payment history despite circumstances involving possible payment processing and reporting issues. Under the Fair Credit Reporting Act, creditors are required to furnish information with maximum possible accuracy and conduct reasonable investigations when disputes are raised. I am requesting : A complete investigation into the reported late payments Verification documentation supporting the reporting Correction or removal of any inaccurate derogatory reporting Updated reporting to all consumer reporting agencies This account has remained open since XXXX, and I have otherwise attempted to maintain the account responsibly. I respectfully request CFPB assistance in ensuring compliance with federal credit reporting laws and facilitating a fair resolution. Sincerely, 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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I received a call on XXXX at XXXX claiming they are trying to collect a debt in their office from XXXX XXXX XXXX I informed them that Ive never had XXXX XXXX and they advised calling XXXX or filing a police report. I took XXXX information and asked them not to call me again. Today XXXX at XXXX I received another call from this debt collector. When I informed the young lady that I had requested not to be called her tone became hostile and said something along the lines of well you owe a debt so we are going to call until its collected. I responded with Ive asked you not to call again so Im pretty sure youre not supposed to keep calling. She then abruptly hung up without saying another word. I called back to ask why they are still calling and they didnt have an answer. I received these 2 calls that I answered as well as more that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This complaint supplements CFPB Complaint # XXXX My XXXX tax refund was originally deposited through XXXX into an incorrect Chase account due to preparer banking information error. The receiving account holder contacted Chase and requested reversal/return of the deposit on XX/XX/XXXX. Chase documentation provided to me shows : the original refund deposit was coded as ACH, however the reversal transaction was coded as Other, not ACH. XXXX has advised they can not locate the returned funds and specifically stated that an ACH return trace/reference number is required in order to locate and reconcile the returned deposit. At this time, Chase has not provided any ACH return trace number, Fed reference number, or written confirmation showing where the reversed funds were actually sent after removal from the receiving account. Because the reversal was apparently not processed as a standard ACH return, the current disposition/location of my funds is unclear. I am requesting : investigation into whether the reversed funds were actually transmitted back to XXXX, written confirmation regarding the current location/status of the funds, and any ACH return trace number, Fed reference number, or transaction identifier necessary for XXXX to release my refund back to me. Without this information, I am unable to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRSTBANK
State: TN

Complaint narrative:
Bank closed account with no notice therefore I was unable to redirect direct deposits in time. XXXX XXXX XXXX sent over {$4200.00} ( that I have not received ) between XX/XX/year> and XXXX. I called bank and left messages but have not received response. Where is my {$4200.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
CareCredit ( Synchrony Bank ) refuses to let consumers choose how their payments are applied between promotional balances. Unless I call every month, 100 % of my minimum payment goes to new promotions, while my expired balances accrue interest daily. Even extra payments are split. Other lenders allow customers to apply payments online. This is an unfair and deceptive practice that causes unnecessary interest charges. I request that Synchrony Bank allow consumers to direct payments to expired promotional balances automatically.

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 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I paid 3 extra months of my public service loan forgiveness payments equalling over {$1500.00}. My loan servicer is Mohela. My loans were forgiven on XX/XX/year>. Its been 4 months and I have not received my reimbursement for extra payments while they were processing my pslf application.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Company reporting inaccurately, stating payments delinquent as of XX/XX/XXXX, car was repoed in XXXX of XXXX, never received notice of sale of the vehicle therefore balance will also be incorrect, disputed multiple time XXXX will not remove they continue to update the infor but still not the balances and dates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
This company has retaliated against me for falling behind, even though I have repaid the initial loaned amount many times over. I have requested they stop debiting my account at random times each and every month because this is costing me thousands of dollars in overdraft fees. I haverequested this in writing over a dozen times. Not only do they ignore my request to settle the debt and revoke Ach, they also Ill debit me multiple times a day after I write them with the request. These are retaliatory practices and I dont believe this is legal. I would like my debt canceled and for the company to stop debiting my account whenever they please. This is essentially ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Request for Immediate Correction I am filing a complaint regarding inaccurate reporting submitted by Bank of America to XXXX On or around XX/XX/year>, my Bank of America checking account was closed following a returned/bad check deposit. This situation did not involve intentional fraud, deceptive activity, or account abuse. I did not knowingly deposit a fraudulent check. The account has since been fully resolved and is reported as settled in full, with no outstanding balance owed. Despite this, Bank of America is reporting Furnisher Suspects Fraud to XXXX. This designation is inaccurate, misleading, and does not reflect the actual circumstances of the account closure. A returned check alone should not be classified as fraud in the absence of intent. This reporting is causing significant financial harm by limiting my ability to obtain banking services and personal credit. I am requesting the following : XXXX. Immediate reinvestigation of the reporting submitted to XXXX XXXX. Removal or correction of the Furnisher Suspects Fraud designation XXXX. Written confirmation of any updates made to XXXX XXXX Documentation supporting the fraud determination if Bank of America intends to maintain this classification I am seeking urgent resolution, as this inaccurate reporting is actively preventing me from accessing financial services. XXXX XXXX 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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, Wells Fargo increased the minimum balance in business checking accounts from {$1000.00} to {$2000.00}. Previously, the balance was assessed as a monthly ledger balance prior to incurring a fee. Then you change now requires that you maintain a minimum daily balance of {$2000.00}. If the balance drops below {$2000.00} even for XXXX day only, they charge a {$15.00} fee. Previously, you were allowed to drop your balance below the minimum so long as the monthly average ledger balance was above the monthly minimum required balance. So in addition to increasing the minimum balance, now they are forcing us to keep a minimum daily balance of {$2000.00}. There is no leeway or Grace if the balance jobs below the {$2000.00} for XXXX day. Previously, it was an average for the month. Now you incurred the fee automatically if the balance drops below {$2000.00}.

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 monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of pervasive identity theft resulting from the negligent data security practices and multiple confirmed data breaches of XXXX or more Credit Reporting Agencies. My Personally identifiable information ( PII ), protected under The Privacy Act of 1974 ( 5 U.S.C. 552a ), has been compromised and weaponized by an unknown perpetrator. This has resulted in fraudulent and unauthorized financial activity being illegally reported on my consumer reports, causing direct financial and reputational harm.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting a formal complaint regarding Truist Bank and the handling of my business account at the XXXX XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I originally opened my account on XX/XX/year>. On XX/XX/year>, I received an email from Truist stating that my account would be closed unless I returned to the branch to complete additional documentation. Approximately XXXX week later, I went into the branch and completed the paperwork exactly as instructed. Despite complying with Truists request, my account was later closed anyway. On or around XX/XX/year>, I returned to the branch to determine why the account had been closed. I was informed by branch staff that the documents I completed were never properly processed by Truists back office. This issue was not caused by me, as I followed all instructions provided by the bank within the requested timeframe. The employee involved in handling my account and documentation was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the Truist XXXX XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Afterward, I reopened the account with XXXX. During this process, my XXXX name was incorrectly spelled on the account documentation, creating additional delays and complications with my business account. As of now, in XX/XX/year> : - I still have not received my debit card for the reopened account. - I still have not received the check containing the funds from the previously closed account. - I have spent nearly XXXX months attempting to resolve issues that were caused by Truists internal processing failures and branch errors. This experience has caused significant inconvenience, delays to my business operations, and concerns regarding the handling of my financial accounts and business information. I am requesting : XXXX. Immediate issuance and delivery of all funds owed from the closed account. XXXX. Correction of my XXXX information across all Truist records. XXXX. Immediate delivery of my debit card and confirmation that the account is fully operational. XXXX. A formal review and investigation into the handling of my account and the processing failures at the XXXX XXXX branch. XXXX. Written confirmation of the resolution steps taken by Truist. I have attempted to resolve this matter directly through the branch and internal channels, but the issues remain unresolved.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I provided professional services valued at {$5000.00} to a client and processed the payment through PayPal on XX/XX/year>. The service was delivered in full and on time. On XX/XX/year>, a dispute was initiated through the client 's financial institution alleging " service not delivered. '' I promptly provided PayPal with comprehensive documentation, including the signed contract, invoices, communication logs, and explicit proof of work completion. Despite this evidence, PayPals underwriting department ruled against me. Immediately following this decision, PayPal closed my account, which effectively blocked my ability to access the " Appeal '' function or communicate with the resolution center. Furthermore, when I attempt to contact PayPal via their chat widget to resolve this, I am systematically logged out of my account within 2 minutes, preventing me from speaking to a representative. My client has confirmed to me in writing that they have not received a refund of the {$5000.00}, yet PayPal has debited my account for the full amount. PayPal is currently withholding {$5000.00} of my earned income without providing a factual basis for the decision or a path for due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: U.S. BANCORP
State: PA

Complaint narrative:
I purchased a student XXXX pass from XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX. I reached out to them multiple times to activate my pass and/or send me a new one. They said they needed verification of my XXXX XXXX which I sent them both from my XXXX Email and my regular Email. They have never gotten back to me or sent me anything including a working pass to use for the entirety of the XX/XX/XXXX winter ski season. In fact my pass is still inactive to this day for no reason. They will not give a refund for not giving me a pass. They have never sent me anything or contacted me back when requested. Elan financial services ( XXXX ) is letting them take my money without giving me what I paid for. They have also been exceedingly difficult to contact and will also not return calls from the department that handles this even after I've asked them multiple times to do so. It is really sad that we all have to deal with companies that constantly try to rip you off.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation