vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX On XX/XX/2026 I deposited a check my boyfriend sent me to help me financially. The check is for XXXX. They first held the check, then escalated it to a fraud department, and are now telling me they XXXX CONTINUE the hold the check even longer than the agreed date of XX/XX/2026. I have called twice on : XXXX where I discovered they escalated this to a fraud center per their policy as they stated. First call was to ask why funds were not released at XXXX. The second call was to a supervisor at XXXX.. A third call was made to their " fraud center '' on XX/XX/2026 @ XXXX. I also personally went into the branch office XX/XX/2026 to ask what options and steps I neeed to take to have this check cleared. I have sent secured messages, asked for reconsideration for the hold and everything and anything I can to do help the process along. I have banked with this establishment a decade. Do not have a derogatory overdraft history, or ANY reason for their actions. My car is due for repossession, my car insurance is being threatened for cancelation, my rent for my housing is past due as well as other small debts that are now past due. I have explained this to the bank, asked for any help, or what actions I can do to expedite the process. Today, they sent me another message saying the hold may continue past the agreed date of release XX/XX/2026. This is causing me EXTREME panic, anxiety and XXXX. Once the processes of repossession and cancelations have occured, this will cause catastrophic issues that can not be rectified. I HAVE TO have some kind of legal or ethical reprieve. I loose my car and insurance I can't work, I can't work, I get evicted from my home. I can't pay debts, my credit is destroyed. I am in a desperate position and do not know if I have any legal rights. I am in process of contacting attorneys as we speak. What are my rights as a consumer? What protections to I have as a consumer? What if anything can I do to speed this process along before its too late? I have copies of all correspondence to the bank. Timestamps, screenshots, recorded calls by the bank, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am filing a complaint against Citizens Bank regarding unfair and improperly assessed overdraft fees that resulted from the banks own transaction processing practices, not from a lack of funds or consumer misuse. 

Citizens Bank assessed overdraft fees on my checking account based on the order and timing in which transactions were processed, rather than on my actual available balance at the time the transactions were authorized. In multiple instances, transactions that were authorized when sufficient funds were available were later reordered or posted in a manner that caused the account to appear overdrawn, triggering overdraft fees that would not have occurred under accurate, real-time balance processing. 

Additionally, Citizens Bank charged overdraft fees without providing adequate or timely notice or a reasonable opportunity to cure the overdraft before fees were imposed. These fees were applied automatically, even though the overdraft conditions were created or amplified by Citizens Banks posting practices rather than consumer behavior. 

I contacted Citizens Banks customer service to dispute these charges and explain the circumstances. Despite these communications, the overdraft fees were not appropriately reversed, and the bank failed to adequately address the underlying issue. 

Charging overdraft fees under these conditions is unfair and misleading, as it penalizes consumers for account deficits that arise from internal processing decisions rather than actual spending in excess of available funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I am filing a complaint against Climb Credit regarding a student loan associated with a coding bootcamp that has permanently closed. 

The school is no longer operating, and the owner is unreachable despite repeated attempts. I did not complete the program due to the closure, and the educational services contracted for were not fully delivered. 

Climb Credit has stated that they require confirmation from the school owner in order to proceed with a discharge or relief review. This requirement is unreasonable and impossible to meet because the school is closed and the owner is non-responsive. Conditioning relief on confirmation from a defunct entity effectively denies the consumer any meaningful remedy. 

I have formally disputed the loan with Climb Credit and requested review based on documentation and applicable consumer protection standards. I am requesting that Climb Credit be required to properly investigate the dispute, pause payments during review, and provide a written determination without requiring school-owner approval. 

I am seeking fair resolution, appropriate relief, and confirmation that my consumer rights are being honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX collection agency I received no letter by mail that my account was in collections- from XXXX XXXX XXXX XXXX like they turned my account in Credit XXXX XX/XX/XXXX XXXX out notice. They said they emailed my work email, I went back to check the email with the email they said they sent it from. There's no email history, that they sent a email for collections. I had no prior notification or correspondence until yesterday XX/XX/XXXX I ask them why they didnt contact me. They said they tried to call me, what XXXX said. with collections. This company had damaged my credit without any notification and the XXXX time communicating yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
NATIONAL RECOVERY AGEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN 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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
In XXXX I had emergency XXXX XXXX. I was approved for XXXX XXXX XXXX and they paid 100 % of the bill. In XXXX XXXX XXXX sent me to collections for this bill claiming they had lost all records from the XXXX XXXX XXXX. It had been XXXX years and I could not find the letter at that time. I have now found the letter from XXXX stating I was approved and my bill was paid. I have called XXXX XXXX in XXXX and they said the debt is to old they no longer even have the account number. I have called the debt collected several times I have left several messages with them about this. When they do answer my call as soon as I tell them the debt was paid in XXXX they hang up on me! They are now taking half my paychecks to pay for a debt that was paid in XXXX by a charity! This is causing me to not be able to provide food for my child or pay my bills. I need help with this. Please someone help me I have been fighting this since XXXX, i always receive a release from garnishment then the debt is sold to a new collector and it starts all over again. I do not know what to do to make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have a loan with XXXX XXXX in XXXX XXXX  and I am currently significantly behind on payments due to financial hardship. Because I am already far behind, I have explained to the company that I am not able to make payments at this time and that calling repeatedly does not change my financial situation. 

Despite this, XXXX XXXX continues to call me, my job, and my personal references repeatedly. I have clearly and repeatedly told them to stop calling, especially my references and employer. My references are frustrated and upset by the continued calls, and this has become embarrassing and stressful. 

I have requested that all communication be done through mail, but the calls have continued. I believe this behavior is harassing, especially since they have been informed multiple times that I can not pay right now and that phone contact is not acceptable. 

I am not refusing to pay the debt. I have stated that I will pay if and when I am financially able, but the continued phone calls to me, my references, and my workplace are causing unnecessary distress and disruption. 

I consent to the CFPB publishing this description after removing personal information so other consumers can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
FINAL NOTICE FAILURE TO VALIDATE DEBT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date : XX/XX/year> Re : Alleged Account Ending in XXXX Case Number : XXXX Dear Capital One, I received your repeated correspondence dated XX/XX/year>. This letter is sent in response to your continued failure to provide proper validation of the alleged debt referenced above. 
I have previously disputed this alleged debt in writing and filed a complaint with the State of Delaware. To date, Capital One has not provided any documentation to establish that this account belongs to me, nor have you produced a signed agreement, the original account application, or proof of liability. 
You now request information that you are legally required to possess already if this account were valid. I do not have, and have never been provided, a Capital One account number other than the partial number you listed. This account isn't listed on my credit reports, which suggests that it may be time-barred, incorrectly identified, or simply not mine.

This letter serves as formal notice that : I do not acknowledge this debt.

I dispute the debt in its entirety. 
I will not provide personal identifying information to assist in reconstructing or re-aging an unverified account.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act, you are required to cease collection activity until proper validation is provided. 
If Capital One continues to pursue this matter without validation, I will pursue all available remedies, including additional regulatory complaints and legal action. 
This is my final written notice regarding this matter. 
Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
XX/XX/year> at XXXX. I received a text message from my mother involving a debt with XXXX XXXX. Ive also received alerts from other family members that XXXX XXXX is reaching out about a debt. Here is an example of the message : XXXX XXXX, i got this text for you a couple days ago. 

XXXX XXXX, fdm contacting you for XXXX XXXX. Please call us back immediately regarding the delinquency at XXXX. Thank You Again this was a text to my mothers phone. I did not give her information out to anyone. There are other family members receiving texts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: RI

Complaint narrative:
I went to login to my Bank of America bank account this morning and i found that i only have XXXX savings account opened with them and not a checking account anymore.I didnt receive notification that the account was going to be closed with no reason.I called customer service twice to only be hung up on as soon as I started asking questions.They could not provide a simple answer as to why my account was closed.I also had my work paycheck processing in the account for tomorrow ( XX/XX/year> ) and now my work check is going to go XXXX knows where.I also have to pay my rent tomorrow or else im going to be homeless and on the streets.I tried telling this but they did not seem to have a care in the world or show one bit of compassion.I was also very rudely hung up on by XXXX customer service XXXX and would like to file a report on both of 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 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Subject : Failure to Disburse Refinance Proceeds and Conflicting Information Regarding Funds Statement of Facts : I am filing this formal complaint against [ Lender Name ] regarding the non-receipt of funds following the closing of my mortgage refinance in XX/XX/XXXX. 

Timeline and Points of Dispute : Closing : The refinance was successfully closed in XX/XX/XXXX. 

Initial Misinformation : Following the rescission period, I was informed on multiple occasions by customer service representatives that the disbursement was being sent via physical check. No check was ever received. 

Escalation : After I reported the missing check, the matter was purportedly escalated. XXXX weeks ago, I was explicitly told the delivery method was changed to a wire transfer to ensure immediate delivery. 

Current Status : As of today, XX/XX/XXXX, the funds have not been deposited into my account. Furthermore, when I contact the company for a status update or a Federal Reference Number ( XXXX ) for the wire, representatives state they are unable to locate the funds or provide a definitive timeline for resolution. 

Desired Resolution : I am seeking the immediate disbursement of all owed proceeds via wire transfer. Additionally, I request a detailed ledger of the transaction, including the wire confirmation number and an explanation for the significant delay and lack of internal communication regarding my funds. 

However, due to the lack of response and resolvent from XXXX, I am now having to get lawyers involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase closed my accounts ending in 1660, 3001, 1226 and advised my remaining balance would be mailed to me by check within a specified timeframe.

That timeframe has passed. I contacted Chase and was unable to obtain any check issuance date, check number, or tracking number, indicating that my funds may still be held internally.

Chase is withholding my money without providing proof of payment or a valid release timeline. 

I am requesting immediate release of my remaining balance and written confirmation of the check issuance details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
Hi, good afternoon. This message is for XXXX, XXXX. This is XXXX with the law firm of XXXX XXXX  XXXX. We contacting you on behalf of XXXX XXXX XXXX. If you can please give us a return call it's regarding a pending legal matter. my direct office number here it's XXXX and your affidavit number is XXXX They left this voicemail and i asked about it they then claimed to be on behalf of money key and then kept putting me on hold or hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Relay Financial (US), Corp.
State: IN

Complaint narrative:
I am filing this complaint regarding a prolonged and unexplained freeze of our business bank account with Relay. 

Our business account has been frozen for several months, during which time we have been completely unable to access or move our company funds. Despite repeated attempts to contact Relays support and compliance teams by email and through available channels, we have received little to no meaningful response, explanation, or timeline for resolution. 

Relay has not clearly stated the reason for the freeze, what specific issue triggered it, or what exact documentation or actions are required from us to resolve it. The lack of communication has left our business unable to operate normally, manage cash flow, or meet obligations. 

This is not a short-term or routine review. The duration of the freeze and the absence of transparency or responsiveness have caused significant operational and financial harm to our business. 

We are requesting regulatory assistance to require Relay to either : 1. Release our funds, or 2. Provide a clear written explanation for the freeze, including the specific issue involved, required documentation, and a defined resolution timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and i

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management ( Credence RM ) regarding the collection account # XXXX in the amount of {$67.00}, which is being reported on my credit report. 
The first violation is that I never received any written notice or validation letter from Credence Resource Management before this account was placed on my credit report. Under FDCPA 809 ( a ), a debt collector is required to send a written notice of the debt within five days of initial communication. Credence failed to do so, yet proceeded to report the account to the credit bureaus.

After discovering the tradeline, I formally requested debt validation. To date, Credence has provided no validation whatsoever. I am fully aware of what lawful validation requires. Proper validation includes : proof I am the correct consumer, proof of legal liability, a copy of the original contract or agreement, an itemized accounting of the balance, proof of assignment or authority to collect, and documentation showing how the amount was calculated. None of this has been provided.

Instead, Credence continues to furnish this account to the credit bureaus without any supporting documentation. Reporting a debt without validation while it is disputed violates FDCPA 809 ( b ), FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( a ) ( reasonable reinvestigation ), and Metro 2 reporting standards requiring accuracy, completeness, and factual support.

This conduct demonstrates that Credence is reporting unverified information and relying on assumptions rather than proof. A balance alone is not validation. A tradeline is not evidence. Internal system records are not lawful verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me a cashier 's check. What is this check 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