vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a Citi XXXX XXXX card from Citibank on or about XX/XX/XXXX. The card has an annual fee of {$590.00}, which is partially offset by " XXXX '' credits of {$200.00} per calendar year that can be used at selected merchants. I chose Best Buy and XXXX XXXX as my " splurge merchants '' when I received the card. On or about XX/XX/XXXX, I used the card at Best Buy for {$200.00}. Because the credits run on a calendar year, that charge should have used the {$200.00} credit available for calendar year XXXX. In XX/XX/XXXX, I used the card for purchases in excess of {$200.00} at both Best Buy and XXXX XXXX. Those charges should have used the {$200.00} credit available for calendar year XXXX. Neither of the {$200.00} credits posted to my account. I began calling Citi customer service in XX/XX/XXXX and was told it takes two billing periods for the credits to show up. After waiting two billing periods, the credits had still not showed up. I was passed on to the " Citibank Executive Response Unit '' or " ERU. '' I made calls to the ERU on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been the person I have spoken with the most. She has confirmed that I am entitled to the {$400.00} of credits for XXXX and XXXX. On the XX/XX/XXXX call, she told me the credits should post within 30 days. By XX/XX/XXXX, however, the credits had still not posted. I spoke with XXXX again on XX/XX/XXXX, and she said she would " expedite '' the matter. Nothing has happened since then. I left messages on XX/XX/XXXX and XXXX that were unreturned and have been told I will just have to wait for a manager, XXXX, to call me back. By my count, I have made 12 calls to Citibank to attempt to resolve this situation. I have been a loyal customer of Citibank since the 1980s. I was advised early on by friends to file a CFPB complaint but I was sure Citibank would do the right thing and credit my account for the credits they owe me, but I am no longer sure they will do this on their own, and so that's why I am reluctantly filing this complaint now. I simply want what they promised me.

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 non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Figure Technologies, Inc
State: NC

Complaint narrative:
I have been attempting for over one year to resolve an insurance issue with Figure Lending LLC regarding alleged force-placed insurance on my condominium loan. I have repeatedly submitted valid insurance documentation, including my XXXX policy and the condominium associations master and flood policies. Despite this, I have never received a clear, consistent written determination explaining any specific deficiency. Instead, I have received conflicting explanations and shifting requirements, and I have been referred to a third-party insurance review vendor without receiving a final written decision from Figure Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a complaint regarding a debt collection account that is invalid and inaccurately reported. This matter arises from an unlawful detainer case, * XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX, in the XXXX XXXX XXXX California XXXX XXXX of XXXX XXXX. The case was resolved through a court-approved Stipulated Judgment. According to Attachment 1, Paragraph 7 of the judgment : Defendant owes a total of {$16000.00} through XX/XX/year>. This provision clearly defines the total amount owed for rent and related obligations through that date. I fully complied by paying the entire {$16000.00} in full and on time. Additionally, Attachment 1, Paragraph 9 states : In the event of a default, the Plaintiff reserves the right to pursue all available remedies and collection efforts... This clearly limits further collection actions to situations where a default has occurred. I did not default. I complied with all terms, including timely payment and vacating the premises. Despite this, a collection agency is now attempting to collect an additional {$8000.00} {$9000.00}, claiming it is unpaid rent. This is incorrect. The rent obligation was already fully resolved and satisfied through the stipulated judgment, and no default has occurred. This appears to be an attempt to collect a debt that is not owed and to report inaccurate information. I have attached the court judgment and proof of payment showing that the debt has been fully satisfied. I request that this matter be reviewed for potential violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I am disputing a debt related to XXXX home internet service that I do not owe. Timeline : XX/XX/XXXX : Contacted support due to service issues ; my account could not be located and I was disconnected XX/XX/XXXX : Called again ; my account still could not be located ; I requested cancellation and was told I needed to return the equipment XX/XX/XXXX : Returned the equipment in-store and requested cancellation ; I was told my account was canceled XX/XX/XXXX : Began receiving collection notices XX/XX/XXXX : Called XXXX and was explicitly told I had canceled within the trial period and would not be charged ; I was told my XX/XX/XXXX bill would show a XXXX balance XX/XX/XXXX : Contacted XXXX again ; a supervisor refused to correct the charges and declined to review the XX/XX/XXXX call where I was told I would not be charged due to cancelling within the trial period. XXXX has confirmed in account notes that I am disputing these charges and that I returned equipment within the trial period and was told by both a store representative and a phone representative that I would not be charged. It is not reasonable to charge for continued service after equipment was returned and cancellation was requested in-store. I had no ability to use the service after returning the equipment and relied on XXXX confirmation that the account was canceled. Despite this, the account has been sent to collections. I am requesting : Immediate removal of all charges Correction of the account to a zero balance Immediate recall of the collection account Written confirmation that no balance is owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a loan servicing issue with TitleMax involving both a personal loan and a title loan account. There has been significant confusion and lack of clarity regarding how my payments were applied and what I actually owe. I was under the understanding that I had a structured payment arrangement of approximately {$200.00} for my personal loan. However, payments and balances have not been clearly explained to me, and I am now unsure how my payments were allocated between the personal loan and the title loan. The documentation I have reviewed does not clearly show a consistent or transparent breakdown of principal, interest, fees, or remaining balances. At this time, I believe my accounts may have been misapplied or improperly managed, resulting in confusion about the true balance owed. I also was not given clear, understandable communication about how both loans interact or whether payments toward one account affected the other. Because of this, I am requesting a full and clear accounting of both the personal loan and the title loan, including : A complete payment history showing exactly how each payment was applied A breakdown of principal, interest, and fees for both accounts Clarification of the current accurate payoff amounts Correction of any errors in payment application or accounting Correction of any inaccurate reporting to credit bureaus, if applicable In addition, I am requesting a fair resolution that may include : Recalculation of the loan balances based on accurate payment application Removal of any fees or charges resulting from miscommunication or accounting errors A revised, affordable repayment plan that clearly reflects what is actually owed Written confirmation of all corrected account information I am not refusing to pay what I legitimately owe. However, I am requesting fairness, transparency, and accurate accounting so that I can resolve this matter properly. I am willing to cooperate fully once I am provided with a clear and correct breakdown of my accounts. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I was the victim of a highly sophisticated impersonation scam involving my daughter. The scammers used what appeared to be my daughters voice crying and screaming, which caused me to believe she had been kidnapped and was in immediate danger. Under extreme emotional distress and fear for my daughters safety, I was instructed by the scammers to send money through money transfer services. Believing this was necessary to protect her from harm, I completed multiple transactions totaling approximately {$2000.00}. The transactions were conducted at local retailers using money transfer services ( including XXXX and XXXX XXXX ). Two of the transfers were picked up by the scammers before I realized the situation was fraudulent. Other transactions were successfully canceled or refunded once I became aware of the scam. Immediately after realizing the fraud, I contacted Wells Fargo to report the incident and requested reimbursement. Despite the clear circumstances of coercion, fraud, and duress, Wells Fargo denied my claim, stating that the transactions were authorized. I believe Wells Fargo failed to adequately protect me as a consumer by not identifying or flagging these highly unusual and suspicious transactions, which were inconsistent with my normal banking behavior and involved rapid, high-risk money transfers. Additionally, I requested a detailed explanation of their investigation and decision-making process, but did not receive a sufficient or meaningful response. I am requesting that Wells Fargo reconsider my claim, conduct a thorough and fair investigation, and reimburse the funds lost as a result of this fraud. These transactions occurred under coercion and should not be treated as legitimate authorized activity.

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 2026-04-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX ( Fraud/Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) regarding unauthorized transactions on my account, failure to follow federal regulations, and improper handling of my fraud dispute. My name is XXXX XXXX XXXX, and my Social Security benefits are deposited onto my XXXX card. The last four digits of my Social Security number are XXXX, and my date of birth is XX/XX/XXXX. My service request ( SR ) number is XXXX. I discovered three unauthorized charges on my account from a merchant listed as XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, each in the amount of {$39.00}. These charges occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I promptly reported these fraudulent transactions to XXXX on XX/XX/XXXX, and filed a dispute with their fraud department. I completed and returned all required documentation within the 10-business-day timeframe specified in their correspondence. According to XXXX own written policy, if the investigation is not completed within 10 business days after receiving the required documentation, a provisional credit must be issued. Despite complying fully and promptly, I have not received any provisional credit as of todays date Since then, I have made multiple follow-up calls. On XX/XX/XXXX, I spoke with a supervisor named XXXX, who was dismissive, unprofessional, and refused to escalate my concern. She stated there was no higher authority available and advised me to disconnect the call if I wanted further assistance. I then called back and spoke with another supervisor, XXXX, who also refused escalation and repeated that no higher authority could be reached. Additionally, I was told that refunds could take up to 45 days, which directly contradicts the earlier statement that my refund had already been approved and would be processed within days. This inconsistency and failure to act demonstrates negligence and lack of compliance. XXXX actions appear to violate the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and Regulation E ( 12 CFR 1005.11 ), which require timely investigation of errors and issuance of provisional credit when investigations exceed the required timeframe. Their failure to provide provisional credit and their refusal to properly assist or escalate my complaint is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We talked with a Commenity Bank/Bread Financial representative and on multiple occassions told them we were going through multiple hardship situations, one resulting in death a couple months ago. They have been harrassing my XXXX XXXX XXXX father and XXXX XXXX XXXX mother, both with XXXX and XXXX, calling them multiple times and harrasing them and leavin g them messages. Today, they contacvted my brother, who happens to be a very busy XXXX, leaving him a voicemail on his cell phone about Bank/Bread Financial looking for me. Today I recorded a conversation, I adviced themn call was being recorded, and they still argued with me, saying they are contacting them because they can't reach me. I told them they where violating my rights and they did not care and hunged up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Ive been banking with Chase Bank for three years. Ive called and complained and closed my account three times since banking with them and I also have the physical cards as proof which you will see a picture in the following box. They finally did an investigation and decided not to refund me my money. The charges added up to {$460.00} total.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
TekCollect is withholding information from the credit bureaus to state that the account is closed. TekCollect is not responding to attempts by TransUnion to dispute and close the collection account. TransUnion has stated that they have send an electronic notification to TekCollect to confirm that the account closed. It is unlawful for a debt owed to still reflect on ones credit report. As well as TekCollect confirming a closed account despite the status still showing that its an open, delinquent account on my credit report. It is actively affecting my livelihood. As well as stating false information in a debt validation letter stating that they have notified the credit bureaus that the account is closed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I switched home insurance providers and Rocket mortgage claimed I lapsed coverage, which I did not. I sent them proof my insurance company has sent them proof, but they still billed my escrow account and wont credit me my money. Every time I call it's a run around their customer service is horrible. Ever since they took over my loan from Mr. Cooper it has been a nightmare. {$750.00} for a supposed 10-day lapse that never occurred? That robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I made numerous purchases on XXXX, a sweepstakes gaming platform, totaling multiple transactions processed by Dave.com. I am disputing every transaction on three grounds : merchant misrepresentation, breach of advertised services, and unlicensed merchant operation in Arizona in violation of A.R.S. 13-3301, whose very own terms of service governing these transactions are void ab initio and entirely unenforceable. I filed disputes with Dave on XX/XX/year>. XXXX assigned approximately XXXX claim numbers and informed me the matter did not qualify for provisional credit. This determination violates 12 CFR 1005.11 ( c ) ( 2 ) ( i ), which requires provisional credit within 10 business days when an investigation extends beyond that period. That deadline passed. On XX/XX/year>, Dave issued a partial denial for one claim out of 77 and provisionally credited {$4.00} to my account. Two days later, that credit was revoked via a template " final denial '' letter that was sent before my evidence was received or reviewed. This means Dave opened, closed, and reversed a provisional credit on a single claim while 76 others remained unaddressed, all without conducting a good faith investigation. The denial cited the merchant 's terms and conditions as grounds for closure. Under 15 U.S.C. 1693l, no merchant contract can waive my rights under the Electronic Fund Transfer Act. Furthermore, because XXXX operated without legal authority in Arizona in violation of A.R.S. 13-3301, any terms of service governing these transactions are void ab initio and entirely unenforceable. My claims were closed before I had the opportunity to submit evidence. This does not meet the good faith investigation standard under 12 CFR 1005.11. I submitted a formal evidence package and requested escalation to Dave 's compliance department on three separate occasions, each time requesting written acknowledgment and confirmation. Dave did not respond to a single compliance escalation. Their XX/XX/year>, response was addressed to the wrong person entirely, opening with " XXXX XXXX, '' despite my name, " XXXX, '' being the only XXXX on this account. This demonstrates negligence in handling my file, bad faith in the investigation process, and a complete disregard for their federal obligations under the Electronic Fund Transfer Act. Dave also cited a 90-day resolution timeline, which exceeds the 45-day statutory maximum under 12 CFR 1005.11 ( c ) ( 3 ). Refused to reply when challenged about the 45-day maximum and my right to provisional credit. Refused to provide a response to any of my escalations and requests until after a very short investigation concluding their final denial, using templated responses in all 77 claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company responded but failed to resolve critical inconsistencies. UNRESOLVED DATA CONFLICTS This account continues to show conflicting information across credit bureaus, including : Different high credit amounts Conflicting credit limits, including {$0.00} limits on a revolving account Different account classifications Different last activity dates The response provided did not reconcile these contradictions. INVESTIGATION DEFICIENCY I am submitting a follow-up complaint regarding a previously filed CFPB complaint about this charged-off account. The company responded but failed to address the core issue. UNRESOLVED ISSUE The account continues to reflect conflicting data across credit bureaus, including : Different account opening dates Different high credit values Conflicting credit limits, including a {$0.00} limit on a revolving account Different last activity and payment dates The response I received did not explain how these contradictions were verified or reconciled. FAILURE OF INVESTIGATION A reasonable investigation requires reconciling inconsistent data. Instead, the company relied on a generic verified response without addressing : Which bureaus version is accurate Why conflicting values exist How a revolving account can report a {$0.00} limit This indicates the account was not investigated, but rather automatically verified. LEGAL BASIS FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Continued reporting of inconsistent data A reasonable investigation requires verifying consistent data. Instead, the company issued a generic response without : Identifying which data is accurate Explaining discrepancies across bureaus Demonstrating how the account was verified This indicates the account was not properly investigated. LEGAL BASIS FCRA 611 ( a ) - Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) - Reporting data that is not consistent or reliable

Company response to consumer: Closed with explanation