vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a Regulation E error claim with Citi Bank for a {$1400.00} debit card transaction at XXXX from XX/XX/XXXX. XXXX was supposed to refund this charge in XXXX, but the refund was never processed. 
On XX/XX/XXXX, I called back asking for an update on my request for credit expedition. A representative told me my request was approved and I would receive the provisional credit on XX/XX/XXXX. I did not receive the credit on XX/XX/XXXX as promised. 
When I followed up, I was told I would have to wait until XX/XX/XXXX - XXXX business days from the day I made the claim. Today is XX/XX/XXXX, the XXXX business day since I filed my dispute, and there is still no provisional credit in my account. 
Under Regulation E ( 12 CFR 1005.11 ), when a bank extends an error investigation beyond 10 business days, they are required to provisionally credit the consumer 's account by the end of the 10th business day.

This morning, I contacted Citi Bank and informed them it is the 10th business day and requested the required provisional credit. As of this complaint, no credit has been posted to my account. 
Citi Bank is in violation of Regulation E by failing to provide the mandatory provisional credit within the required timeframe. I am requesting : Immediate provisional credit of {$1400.00} to my account Completion of the error investigation Confirmation that the bank will comply with Regulation E requirements

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 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I paid off my loan, and I never received a lien release. When I called to request one, I was told they won't send me one because they notified the XXXX XXXX XXXXXXXX XXXX that it the lien was released, and that is all I need. 

I am trying to buy a new car that I am scheduled to pickup XX/XX/year> from the closest dealer which is XXXX miles away from home, and the dealer won't accept my current title with the lien on it or the electronic status from the XXXX. I ordered a new title from the XXXX with rush processing and shipping which cost over {$60.00}. Due to the weather, the delivery is delayed. I called Wells Fargo again to explain the situation, and ask for them to email or fax over the lien release. The only option they offered was to mail me a copy, which would take up to XXXX business days to process. I requested they send an email or a fax again. They said it would still take the XXXX business day to process just to send the email. 

The misinformation they provided me has already cost me over {$60.00} for the new copy of the title, and at the very least, delaying the purchase of my new vehicle. I have already requested that day off of work, which is now too close to cancel, so it is also costing me an entire vacation day.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I am writing to formally complain about my recent interaction with Ability Recovery Services on XX/XX/year>, specifically involving a representative who identified herself as XXXX. 

During this call, XXXX spoke to me in a hostile, aggressive, and unprofessional manner that I found intimidating and wholly inappropriate for a debt collection interaction. Her tone and conduct went beyond discourteous behavior and escalated to what I would reasonably describe as verbally aggressive. 

More concerning, when I requested legally required information regarding the alleged creditorincluding the name of the original creditor and validation detailsXXXX refused to provide this information, despite my clear request. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to receive accurate and complete information about the debt being collected, including creditor identification and validation upon request. 

The refusal to provide this information, combined with the threatening and unprofessional manner of the call, raises serious concerns about your companys compliance with federal consumer protection laws as well as its internal training and oversight of representatives. 

I am requesting : A written explanation for why legally required creditor information was withheld Confirmation that this matter will be reviewed internally, including the conduct of the representative involved Assurance that Ability Recovery Services will comply with all FDCPA requirements in future communications Please note that I am documenting this incident and am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the appropriate state Attorney Generals office if necessary.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I withdrew a total of {$98.00}, after instant transfer fee from my cashapp account. The money went to the wrong account on file. The account that it went to is closed, and XXXX stated to me that they did not receive these funds. I contacted cash app multiple times and they claimed that the funds were properly dispensed and that I can use them off of the card that was on file. I told them repeatedly that the account was closed and that the money was not on that card because that card doesn't even exist. They told me once again that the money was properly dispensed and that they would not be refunding me because of that and closed my complaint ticket. I have this same conversation with them four times. It is ridiculous, I want my money back. I've spoken with XXXX twice over the phone and once in person. They stated that the funds never even reached them, so they can't refund them to me. I don't know what to do, cashapp stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
TSI, using XXXX XXXX phone numbers, has engaged in repeated and harassing phone calls regarding an alleged medical debt related to a XXXX. I have clearly and repeatedly informed the caller that the patient is a XXXX  and have explicitly demanded that all future communication be conducted in writing only. 

Despite these clear cease-communication requests, the caller continues to contact me by phone, refuses to properly identify the company, refuses to provide a mailing address, and has failed to provide the legally required written debt validation. 

This conduct reflects a knowing and willful disregard for the Fair Debt Collection Practices Act and constitutes harassing and non-compliant debt collection activity, made particularly egregious by the fact that it involves medical services provided to a XXXX. 

Why this version is ideal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, it was discovered that an employee ( XXXX XXXX ) has set up XXXX XXXX XXXX with the intent on stealing checks from my business and mobile depositing them into her fraudulent Wells Fargo Business account. She also deposited them into her husbands account ( XXXX XXXX XXXX Checking XXXX ) She started depositing them in XXXX of XXXX  through XXXX of XXXX. She was immediately terminated and a Police report was filed with XXXX Police Department. 
( Case # XXXX ) I have provided all the bank statements and copies of the wrongly deposited checks and their endorsements. Every check was a mobile deposit. 
Please note that my account with Wells Fargo is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not one of the checks deposited was made out to XXXX XXXX XXXX. I understand the Bankss duty is to follow the XXXX XXXX XXXX  and banking regulations ; they are generally liable if they accept a check with an unauthorized or forged endorsement or otherwise fail to exercise ordinary care. 
Because there is a clear mismatch between the Payee and the account holder, and unauthorized endorsements, I urgently requested reversal and reimbursement from Wells Fargo which they denied. The total amount deposited is {$98000.00}.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I woke up to get ready for work on XX/XX/year> at approximately XXXX XXXX  to get ready for work and noticed money being taken out of my account via chime alerts.by the time i was able to unlink my bank card XXXX dollars was already taken out of my account and sent to 3 dummy accounts who Ive never had any contact with ever who all said hi on the for option .i filed a dispute with chime and they denied it on Tuesday XX/XX/XXXX XXXX.i have filed a rebuttal dispute with them and i have an ongoing investigation going on with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MS

Complaint narrative:
I came home and a XXXX internet box was on my porch I called XXXX and stated i didnt order internet they emailed me a label to send box back immediately after I got a bill for {$120.00} I sent the stuff back I never even opened the box I immediately sent the equipment back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding Cash Apps improper handling of a dispute and failure to credit merchant-issued refunds. 

I paid multiple insurance deductible charges ( each {$99.00} ) to a merchant ( XXXX  ) for replacement devices that I never received. After the claims were denied, the merchant approved and issued refunds back to the original payment card used through Cash App. 

Timeline and amounts : XX/XX/year> : XXXX {$99.00} refund was issued for a separate, unrelated claim and was properly credited. 

XX/XX/year> : The merchant confirmed that XXXX ( XXXX ) refunds of {$99.00} each were released to my Cash App card. 

Cash App credited only XXXX ( XXXX ) of these refunds. 

XXXX {$99.00} refund from XX/XX/XXXX remains missing. 

XX/XX/year> : The merchant confirmed that XXXX ( XXXX ) additional refunds of {$99.00} each were approved and released. 

None of these refunds have been credited. 

As of today, more than XXXX  days have passed since XX/XX/XXXX, exceeding Cash Apps stated refund processing window. 

Actions taken by me : I contacted Cash App multiple times and provided transaction history, merchant confirmation, and screenshots. 

A Cash App agent confirmed on XX/XX/year> that I had not received the outstanding refunds. 

I submitted written responses and documentation within the required timeframe on the same support thread. 

Actions taken by Cash App : Cash App closed my dispute case, stating they had not heard from me, despite my documented and timely responses. 

Cash App restricted or deactivated my in-app support access, preventing further response on the same case. 

Cash App attempted to justify case closure by incorrectly stating that XXXX refunds were issued on XX/XX/XXXX, which is not supported by the transaction history. 

Cash App closed the case while acknowledging that the remaining funds had not been received and without crediting all merchant-issued refunds. 

Issue : Cash App has prematurely closed my dispute, misapplied historical transaction data to unrelated claims, and failed to credit refunds that the merchant confirms were issued. Funds totaling approximately $ XXXX remain outstanding. 

I am requesting regulatory assistance to ensure : Proper reconciliation of all merchant-issued refunds, Credit of the missing funds, Correction of improper dispute closure and handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/year>, XXXX issued a tax refund check in the amount of {$1100.00}, which was sent to XXXX XXXX  ( Trace # XXXX ). I have not received the funds. I contacted XXXX XXXX, and they informed me the process must go through them. I also attempted to contact Credit Karma and XXXX directly via email and other methods, but Credit Karma has not responded. I am requesting assistance to determine the status of the check and to have it credited or reissued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: MN

Complaint narrative:
XXXX signed up for a debt consolidation loan or what I thought was to be a debt consolidation loan. When signing the contract, I had a lot of questions about what I was reading versus what they were telling me, and was reassured that I was part of a special process that would pay debts sooner. XXXX called because I was uneasy because there was no forward movement and tried to cancel only to be reassured that my accounts would be paid off by the end of XXXX. The confusion for me came from the fact that I was paying money to accompany, called clarity debt resolution yet I was being transferred to a different company that had signed me up for this program. XXXX confusion continued when I called clarity only to find out that I was indeed in a debt settlement program. When I tried to cancel again, I was assured again that my accounts were going to be paid by the end of the month. At this time, I was given a number of a man named XXXX XXXX that told me to call him with any questions that I had because clarity didnt know my full situation. On XX/XX/XXXX, I finally decided I really wanted to cancel this program because nothing was happening in the way that I was promised. Upon reviewing the contract, I indeed signed up for a debt settlement program, but if you were to subpoena the recordings you would find that I asked all of the questions and was assured that that was not the case when I signed up. Upon cancellation with clarity, I requested the name of the company that got me into this mess and they were unsure if it was alliance solution group or mitigately. My credit has taken a huge hit as a result of the advisement of these companies, and I am super disappointed and scared moving forward. I would please like some advisement as to how to hopefully rectify this situation. 

Clarity provided XXXX and XXXX XXXX XXXX as their partners that signed me up for this. CFPB has being trying to contact these companies and can not find them. I would like my recorded calls accessed and the lies addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX Credit Acceptance Corporation XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting Account : Credit Acceptance Corp ( partial acct # XXXXXXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am formally disputing the accuracy and completeness of the above-referenced account as it is being reported to XXXX. 

After reviewing my consumer disclosure, this account contains multiple reporting inconsistencies that do not comply with the Fair Credit Reporting Act ( 15 U.S.C. 623 ) or XXXX XXXX reporting standards. These include, but are not limited to : Inconsistent payment status codes that do not align with the reported account status A reported balance that exceeds the documented high balance Improper sequencing of delinquency and repossession codes Reporting of joint responsibility without proof of a valid jointly executed obligation Failure to clearly and accurately report the Date of First Delinquency Because the information being furnished is incomplete, inaccurate, or unverifiable, I am requesting that you either : 1 ) Provide full documentary verification supporting the accuracy of every data field reported, including the original signed contract and complete payment history, or 2 ) Delete this account from all consumer reporting agencies to which it has been furnished. 

Please note that verification requires more than a computer-generated response. If you are unable to fully verify this account as required by law, deletion is mandatory. 

I expect your written response within the time allowed by law. 

Sincerely, 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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
During a period of enrolled credit protection, i was charged a late fee. Then again the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied online for personal loan from Discover, but was rejected. My XXXX XXXX is XXXX, I do not have any late payments, not a lot credit inquiries, good income, very little debt. Attached letter I received from Discover with explanation why my loan was rejected. I am XXXX XXXX XXXX, and loan was requested for XXXX  months ( XXXX  years ). Their action is direct violation on age discrimination law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Global Tel*Link Corporation
State: NY

Complaint narrative:
I created a XXXX account on XX/XX/year>. I funded my XXXX XXXX  XXXX  account {$50.00} on XX/XX/year> via my credit card. I also have a XXXX  getting out account for messaging which I have added fund to over the past months and used the messaging service. The XXXX  I communicate with has been trying to contact me by phone for months. I realized recently that my account showed {$0.00} for XXXX XXXX. I credited the account {$10.00} so he could call me. I reached out to XXXX asking where the original {$50.00} was applied. They claimed since I did not use the account for 180 days the funds were forfeited, the account was closed and therefore could not see a record of the deposit to refund. I asked how the account could be inactive/closed when I am able to sign in, see the record of the transaction, and have money for messaging a service which I actively use for months. I requested a credit or refund of the {$50.00} and provided all the transaction details. They claimed the account was suspended and the window to request a refund had expired and they were still unable to find the charge. I spoke with a supervisor who continued to claim a refund was not possible. I offered to provide a screenshot of my XXXX account showing the charge and showing my account as active. They could also see the inmate attempting to call me and the call not going through. They deferred as an issue with the facility not with their system which I pointed out would mean the account is active. I expressed my sincere disappointment that they would continue with this predatory business practice of seizing funds as profit after a history of claims and litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: iSolved HCM Services, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I requested a transfer of {$4000.00} from Isolved to XXXX. XXXX account to an XXXX account. 
On XX/XX/XXXX, a check was issued from Isolved to XXXX in the amount of {$6000.00}. I called Isolved to see why the amount had changed. I was informed the request from XXXX was for my entire account balance and the person I spoke with promised to email the form they received which was not done. 
I immediately contacted XXXX to verify the amount of the transfer that was requested. They confirmed {$4000.00} and sent the transfer request form to me. 
I again contacted Isolved and was told this time Sorry it looks like we made a mistake. The individual was helpful and apologetic about the situation. She did email the request form they received that clearly shows {$4000.00}. 

Mistakes happen and I understand that. They should be rare in the financial world but at no point should a company trusted with our money lie to us. I filed a formal complaint with Isolved which I have little confidence they will act on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
XXXX XXXX Payment Breakdown XX/XX/2025 Principal : {$190.00} Interest : {$850.00} Escrow Taxes : {$150.00} Insurance : {$150.00} Mortgage Insurance ( PMI/MIP ) : {$71.00} Shortage : {$7.00} Monthly Payment : {$1400.00} Advances On Your Behalf : {$0.00} Fees Late Fees : {$0.00} Other Fees : {$0.00} Partial Payment ( Unapplied ) : {$0.00} Past Due Amount : {$0.00} Subtotal {$0.00} Amount Due : {$1400.00} XXXX XXXX Payment Breakdown by XX/XX/2025 Principal : {$190.00} Interest : {$850.00} Escrow Taxes : {$190.00} Insurance : {$290.00} Mortgage Insurance ( PMI/MIP ) : {$70.00} Shortage : {$240.00} Monthly Payment : {$1800.00} Advances On Your Behalf : {$0.00} Fees Late Fees : {$0.00} Other Fees : {$0.00} Partial Payment ( Unapplied ) : {$0.00} Past Due Amount : {$0.00} Subtotal

Company response to consumer: Closed with explanation