vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NH

Complaint narrative:
* * Company Name : * * Best Buy Credit Services * * Account Type : * * Credit Card * * Account Ending In : XXXX XXXX XXXX XXXX XXXX Disputed Amount : * * {$170.00} * * Complaint : * * I am filing this complaint regarding Best Buy Credit Services refusal to credit my account for merchandise that was never received. 

I authorized a purchase in the amount of {$170.00}. However, the merchandise associated with this charge was never delivered to my residence. The carrier marked the package as delivered on or around XX/XX/year>, but no package was received. 

I requested proof of delivery, including a photo, signature confirmation, or documentation showing where the package was left. No proof was provided. On XX/XX/year>,

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding incorrect refund processing and excessive delay by Macys. 

I purchased three printers : Printer # XXXX : Order # XXXX Purchased on : XXXX XXXX, XXXX, Paid : {$280.00}, Refunded on XXXX XXXX, XXXX Printer # 2 : Order # XXXX Purchased on : XXXX XXXX, XXXX, Paid : {$280.00}, Refunded on XXXX XXXX, XXXX Printer # 3 : Order # XXXX - Purchased on : XXXX XXXX, XXXX, applied {$80.00} in Star Money ( earned from Printer # 1 and # 2 promotions ) and credit card paid {$190.00}, Partial Refunded {$240.00} on XXXX XXXX, XXXX All three were received as refurbished, despite not being clearly disclosed in the product title or main description. 

I returned all three printers. 

The issue is that Macys processed the refunds incorrectly. 

For XXXX # XXXX, I was only refunded {$240.00}. {$40.00} was deducted improperly. 

For XXXX # XXXX, only the XXXX  XXXX amount was refunded, refund {$190.00} and the {$80.00} XXXX XXXX was not restored. 

Regardless of promotional rewards, a refund must equal the exact amount charged to the credit card. 

I have contacted Macys customer service more than 10 times ( via chat and phone ). I was promised follow-up emails within XXXX hours, which were never sent. 

This matter remains unresolved, and I am requesting : Full refund of the exact charged amounts Macys has failed to correct the incorrect refund despite repeated good-faith efforts on my part. 

I am requesting regulatory review and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: IN

Complaint narrative:
" I am disputing an alleged debt being collected by Rent Recovery Solutions, LLC on behalf of XXXX XXXX. I received a settlement offer dated XX/XX/year> for an alleged balance of {$1200.00}. 
I am disputing the validity of this entire debt because I have not been provided with any itemization of the charges, a copy of the original signed lease agreement, or proof that this amount is legally owed. Furthermore, the collector has not provided documentation verifying their legal authority to collect this specific debt. 
I request that the company cease collection activity until they can provide full validation of the debt, including a line-item breakdown of all fees and proof of the original contract. '' If CANT PLEASE REMOVE FROM MY CREDIT FILE FRAUD!!!

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm contacting you about a serious issue with my Chase account freeze. My account contains {$2700.00} in exempt funds, and even though Chase has verified these funds are exempt and the Chase XXXX XXXX authorized the release ( Case # XXXX XXXXXXXX ), the bank is refusing to release my money until XX/XX/XXXX- which is a federal holiday - meaning I won't actually get access until XX/XX/XXXX. 
This is a violation of New York CPLR 5222-a, the Exempt Income Protection Act. Under this law, the bank must release exempt funds within 8 days after receiving the exemption claim if no objection is filed. That deadline has already passed. 
I'm currently recovering from XXXX and need access to these funds to pay for essential medical care. I've already filed a complaint with the NY Department of Financial Services, who forwarded it to Chase ( File # XXXX ). 
I need this resolved immediately. Please process a Manual Memo Post to make these funds available today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I was having trouble logging on to my SOFI account and clicked on a link on their website. It was answered by the operator who said they would transfer me to security except it was a spoofed call and the security representative wire transfers my XXXX social security deposit out of my account and laughed and hung up. SoFi said it was my fault because I didnt check the number and then closed my account. This was my second check in my unplanned retirement. After being unemployed for 2 months as a result I was evicted from my home and have been struggling ever since and have very little recourse. I only bring in {$2000.00} a month and to have a month stolen from me has made my life miserable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Complaint Summary On XX/XX/year>, I initiated a wire transfer in the amount of {$29000.00} from my XXXX  XXXX XXXX savings account ( Account # XXXX ) to Navy Federal Credit Union. 
The funds were sent to : Navy Federal Credit Union Account # : XXXX Routing # : XXXX Account Name : XXXX XXXX / XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX After the transfer was completed, Navy Federal Credit Union froze the funds and has refused to release or return them or release the funds. 

XXXX  XXXX XXXX has confirmed that the transfer was authorized and not fraudulent. XXXX XXXX XXXX has also stated they have been in constant communication with Navy Federal regarding this matter. XXXX  XXXX XXXX case reference number : Case # : XXXX According to XXXX XXXX XXXXXXXX XXXX there is no fraud associated with this transaction. However, Navy Federal continues to hold the funds and has allegedly requested a hold harmless letter. XXXX  XXXX XXXX has stated that such a letter is not required because there is no fraud claim associated with this transaction. 
As a result, my {$29000.00} remains frozen and inaccessible. 

I am being given inconsistent explanations, and the two institutions appear to be directing responsibility to one another while my funds remain unavailable. Navy Federal appears to be refusing to either release the funds to the receiving account holder or return them to XXXX  XXXX XXXX. 
This has caused significant financial stress and hardship. 
Desired Resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA collections is duplicate reporting the same debt twice on my report. Ive disputed multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have followed up on this matter numerous times, yet months have passed without any substantiating documentation being sent to me. As a consumer, I am not required to wait indefinitely while inaccurate or unverified information continues to damage my credit profile. The statutory investigation period has long passed, and your continued inaction is a clear violation of my rights.

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 2026-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
My total was XXXX and some odd cents. The card I got that day as a gift from my aunt for house warming ( I just moved that day ) and a gift for taking my sister out of her bad situation. I tried spending money online but the card wouldn't work so I went to XXXX at around XXXX. The total was XXXX and something odd cents, it decided to take all of that out of the card, but not count that towards the payment of the purchase. No, it takes the remaining {$35.00} and uses that instead so I lost {$260.00}. I have submitted my payment void receipt to the email I was told to send it to, no response and it's been a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
This is a second filing regarding Wise US Inc. as the company closed my previous complaint ( XXXX ) without resolution or a substantive response. Wise captured a domestic USD card payment from my client and is now holding the funds hostage. After securing the capital, Wise blocked the transaction for website verification. I fully complied with their request by rebuilding my business website, yet Wise moved the goalposts by adding new, arbitrary requirements. 

Furthermore, Wise has unilaterally shifted the funds availability date multiple times. The app originally promised delivery on XX/XX/year>, but has since moved it to XX/XX/year>. This is a domestic transaction, and Wise is using an administrative loop to hold my business capital. This is a direct violation of the Consumer Financial Protection Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). I am specifically citing Wises non-compliance with CFPB Consent Order 2025-CFPB-0004, which penalized Wise for failing to timely refund fees on delayed transfers. Wise is attempting to retain a XXXX percent fee for a service they have refused to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Certegy Holdings, LLC
State: RI

Complaint narrative:
I recently attempted to open bank accounts and obtain housing, and I was denied due to information being reported by consumer reporting agencies including XXXX, Certegy, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. 

I requested my consumer file disclosures to determine what information is being reported about me. Some agencies did not provide complete disclosures, and others are reporting information that is inaccurate, incomplete, or unverifiable. 

As a result of this reporting, I have been denied the ability to open bank accounts and secure housing. This has caused financial hardship and instability.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ), I have the right to : A complete and accurate disclosure of my consumer file Proper verification of any reported information Deletion of any information that can not be verified I am requesting : 1. A full and complete consumer file disclosure 2. Removal of any inaccurate, outdated, or unverifiable information 3. Written confirmation of corrections I am seeking a fair resolution so I can access financial services and housing without unlawful reporting barriers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: PA

Complaint narrative:
In regards to case XXXX On XX/XX/year>, I was informed by VyStar personnel that the reason they are unable to locate the original fraud report is because the internal notes related to the fraud alert were deleted after a certain retention period. I was advised that these notes are only kept for a limited amount of time.

I did not create or control VyStars record retention policies. The absence of internal notes due to deletion should not be used to refute my account or to deny responsibility for actions taken during the fraud event. VyStars reliance on deleted records raises concerns regarding documentation, disclosure, and dispute handling practices.

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 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In XX/XX/XXXX, PNC Bank assumed servicing of my mortgage from XXXX XXXX without my request. I immediately requested removal of the tax escrow account to establish automated payments. While PNC approved the request citing my sound payment history and favorable loan-to-value ratio, they simultaneously demanded a {$1400.00} fee ( 0.25 % of unpaid principal balance ) characterized as an " account closure fee '' or " escrow deletion fee. '' This fee was not disclosed in my original XX/XX/XXXX loan documents, which specifically showed a blank " Escrow Waiver Fee '' line on the Closing Disclosure and included negotiated escrow waiver rights at origination. PNC has failed to provide contractual or other authority for this fee, instead citing vague general language about servicing fees that applies only to borrower defaults ( which has not occurred ). PNC is refusing to configure my account so I can make principal and interest online. During a XX/XX/XXXX phone call, PNC representatives threatened negative credit reporting if I refused to pay this disputed fee. To keep my loan current, I made a payment of {$5300.00} on XX/XX/XXXX, covering two months of principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
A voicemail was left on my phone about a registered documents I need to sign and she left a phone number to call back and case number, I called and asked what it is about and the person I talked to explained to me that theyre courier company and PayPal hired them to serve me a paper about PayPal suing me for breach of contract on using PayPal , so after not believing them they threatened me of going to court and paying XXXX of attorneys fee so I hang up and called PayPal myself to see if theres really any lawsuit against me and they said none and they dont have any contracts for people starting to use their services, I have the call back number if you guys need to call them up or trace where they at

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After I requested proof that XXXX XXXX XXXX  paid the tuition company on my behalf, they did not provide any written documentation. Instead, they continue calling my phone and my workplace, even though I never gave permission to contact my employer. When I ask for proof of payment and request escalation, the calls are disconnected. They are attempting to collect without providing verification. Proof of certified mail to the company and credit reporting agencies are attached to this complaint.

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 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am submitting this complaint against LVNV Funding for reporting a collection account to the credit bureaus without providing proper validation or supporting documentation.

I disputed this account and requested validation, including documentation proving the debt is accurate, legally enforceable, and properly assigned to LVNV Funding.

Despite my request, LVNV Funding continues reporting the account to the credit bureaus without providing sufficient documentary evidence to validate the debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide proper validation when requested. 

Continued reporting of unverified debt is harming my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Called capital one in XX/XX/XXXX asked for vehicle to be picked up for voluntary surrender. Vehicle was not picked up for a few days. Called one final time and arranged a pickup. Car was picked up but I continues to incur charges in XX/XX/XXXX. I called and asked why? They states there is no record of repo. I asked for more information and was escalated to higher department. Man confirmed he saw record of me asking for car to be picked up and then placed me on hold to look into it. He hung up on me and did not return call. He asked initially if he could at the number provided. Call took place on XXXX, XXXX, XXXX. Company giving me run around with no resolve while still reporting late on credit. Vehicle has not been in my possession since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX stated they did not receive their equipment back and therefore tried to charge me XXXX XXXX. I have the receipt showing the return with tracking. XXXX then pushed debt into collections and collections company will not accept receipt of returned equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: U.S. BANCORP
State: VA

Complaint narrative:
My credit scores are all in the 800 's. I had perfect credit payment history. I never kept balances on card. Paid off was as soon as balance hit the card. USBank closed both of my credits cards for absolutely no reason, causing my credit scores to drop. They will not give me a reason.

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 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received the credit card and a separate letter stating that the account had been suspended due to a potential security concern. The account was restricted by the issuer. 

I did not receive any billing statements showing a balance due or a payment due date by mail or email for XX/XX/XXXX. My account shows that they charged me for XX/XX/XXXX mailed billing statement. 

On XX/XX/XXXX, a payment was apparently due. Because I had not received any billing statement or notice of a balance due, and the account was under a security restriction initiated by the issuer, I was not aware that a payment was required. 

The company later assessed a {$30.00} late fee and approximately {$3.00} in interest. On XX/XX/XXXX, a partial credit of {$15.00} was issued, but the remaining fees were not removed. 

I previously filed a CFPB complaint regarding this matter. The company responded that the fees were valid under the credit card agreement and uploaded copies of the billing statements after the fact. However, uploading statements during a complaint response does not establish that the statements were delivered to me prior to the due date. 

My dispute is not about general contract terms. It is about the failure to provide billing statements or notice of a balance due while the account was restricted due to a security hold initiated by the issuer. Assessing late fees and interest without proper statement delivery and notice is not appropriate. 

I am requesting reversal of the remaining fees.

Company response to consumer: Closed with monetary relief