vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Issue : Incorrect late payment / billing error What happened : I am disputing an incorrect late payment designation and any associated fees or adverse reporting. 

My XX/XX/year> statement shows : Total minimum payment due : {$25.00} Payment due date : XX/XX/year> I made a one-time payment of {$36.00}, which posted on XX/XX/year>, the due date listed on the statement. This payment exceeded the minimum amount due and was posted on time. 

Despite this, XXXX representatives and supervisors have stated that XXXX was not paid and have refused to correct the account. This is factually incorrect. Payments are applied to the statement cycle, not the calendar month. Paying the minimum amount by the statement due date satisfies the obligation under the Credit CARD Act and the Fair Credit Billing Act. 

I am requesting : 1. Immediate correction of the account status to reflect the XXXX statement as paid on time XXXX. Removal of any late fees or penalties assessed XXXX. Written confirmation that no adverse credit reporting has occurred, or correction if it has I have attached : The XX/XX/year> statement showing the due date of XX/XX/year> Payment confirmation showing {$36.00} posted on XX/XX/year> XXXX  refusal to correct this error after multiple supervisory calls is unacceptable and non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX / XXXX Phone : XXXX / XXXX Date : [ Insert Date ] Carnival Cruise Line - Guest Care Department XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unacceptable and discriminatory treatment my family and I received aboard the XXXX XXXX during our recent cruise, which was intended to celebrate our XXXX wedding anniversary. 
After successfully embarking, we were unexpectedly removed from the ship by your staff due to my spouse 's medical situation, despite our full cooperation and transparency. My spouse, who is diabetic, had an alternative prescribed oral medication onboard that effectively manages his condition. The insulin was only prescribed as needed, not as a daily requirement. 
After your staff requested that we be removed from the ship, my husband respectfully asked if he alone could disembark while allowing the rest of our family to remain, since he was not the primary guest on the reservation. This reasonable request was rudely denied. Instead, your staff escorted our entire family from the room we were already settled in, accompanied by three security guards, as if we were being forcibly removed for misconduct. We were publicly humiliated, treated without dignity, and shown no empathy or courtesy. 
The ship 's medical staff insisted we purchase insulin directly from the medical department for nearly {$600.00}, even after we explained that it was not medically necessary at the time. When we respectfully declined the purchase, we were removed from the ship without legitimate cause or regard for the emotional and financial hardship this caused. 
This experience was deeply distressing and humiliating for my family. Your staff 's actions demonstrated a lack of compassion, poor medical judgment, and a disregard for the dignity and well-being of paying guests. 
Accordingly, I am formally demanding the following remedies : 1. A full refund of all cruise costs and related travel expenses.

2. A written apology from XXXX XXXX XXXX acknowledging the wrongful removal and emotional harm caused. 
XXXX. A complimentary replacement cruise of equal or greater value to compensate for the loss of our XXXX anniversary trip. 
If this matter is not resolved promptly and satisfactorily, I will have no choice but to pursue formal legal action and file complaints with the Florida Department of Consumer Services and the U.S. Department of Transportation - Maritime Division for wrongful removal and discrimination on medical grounds.

I expect a written response to this complaint within 10 business days of receipt. Please direct all correspondence to the contact information listed above.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank charged an annual fee of {$590.00} on XX/XX/year> for my Citi XXXX XXXX XXXX XXXX XXXX XXXX. I canceled the card on XX/XX/year>, approximately 46 days after the annual fee posted. Citibank later emailed me a summary of the customer service call confirming that the account was closed. 
After cancellation, I requested a prorated refund of the annual fee because I canceled shortly after renewal and did not receive meaningful value for the remainder of the membership year. Citibank refused to refund or prorate the annual fee, stating that refunds are only provided if the account is canceled within 37 days of the fee posting. Citibank also refused to reopen the closed account to address the issue. 

In addition, after the account was closed, Citibank emailed me an Important information notice marked ACTION REQUIRED stating that I had a new message in Statements and Documents, but I could not access it because the account was already closed and required logging in to view. Citibank also sent billing communications stating that my statement was available online, which similarly required online account access that was unavailable after closure. 

I believe it is unfair and deceptive to charge a full annual fee and then refuse any prorated refund shortly after cancellation based on an internal cutoff that was not clearly disclosed or communicated during cancellation, especially while restricting access to important post-closure communications and statement information. 

Resolution requested : A prorated refund of the unused portion of the {$590.00} annual fee ( approximately {$520.00}, or another reasonable prorated amount ) and written documentation identifying where the 37-day annual fee refund cutoff is disclosed to cardmembers.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App ( Block, Inc. ) closed my account, stating only that I violated its Terms of Service, without identifying what specific conduct or which section of the Terms was allegedly violated. I repeatedly requested clarification and was denied any meaningful explanation or review.

I reviewed the Terms and Conditions provided by Cash App, including Sections related to disputes, arbitration, and account termination, and none state that the company may permanently refuse to disclose the basis for an account closure when requested by the account holder. Cash App has failed to provide transparency, due process, or documentation supporting its decision.

The account closure caused financial harm and loss of access to my funds/services. I am concerned the decision was made through automated or third-party monitoring systems without proper human review.

I am requesting that Cash App provide : The specific Terms of Service section ( s ) allegedly violated A clear explanation of the conduct that led to the closure Whether the closure was based on automated decision-making or a third-party flag Confirmation that my funds were handled in compliance with applicable consumer protection laws Cash Apps refusal to provide this information may constitute an unfair or deceptive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My ex-husband XXXX XXXX XXXX opened a personal loan through Compass Bank on XX/XX/XXXX without my knowledge. He used his email and the money wired to his bank account but used my name. This is the XXXX credit/loan debt I have received in my name because my XXXX opened accounts in my name without my knowledge. The loan was for {$30000.00}. I was notified on XX/XX/XXXX that I owed XXXX XXXX XXXX {$25000.00}. I went to the XXXX XXXX XXXX  XXXX on XX/XX/XXXX to file a police report against XXXX XXXX XXXX per XXXX XXXX XXXX request. 

Again, I did not take out this loan from Compass Bank on XX/XX/XXXX. XXXX XXXX XXXX took this loan out without my consent or knowledge. This is the third time I have received notice from a debt collector that I owe money because XXXX XXXX XXXX opened accounts in my name. In Ohio it is illegal to open loans or accounts in your spouses name without their consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXXomplaint Against Chase XXXX ( JPMorgan Chase ) Name Correction Fee I am filing a complaint against Chase XXXX, a service of JPMorgan Chase Bank, regarding a flight reservation error and the way my dispute was handled. 

I booked a flight through Chase XXXX and selected the option labeled Contacts. A Chase XXXX representative offered to assist me and completed the booking after requesting my personal information. I am certain that I did not manually enter the passenger name myself. 

Later, I discovered that the passenger name on the ticket was incorrect. When I contacted Chase XXXX, I was told the error was my responsibility. I was also informed that the call recording could not be located. Based solely on this, Chase XXXX refused to acknowledge any responsibility. I was explicitly told that Chase can not file a claim against Chase, and no escalation or apology was offered. 

As a result, I was charged a {$50.00} name correction fee by the airline. I paid the fee only to avoid missing my flight and further stress, but I believe I should not be held responsible for an error that occurred during a booking handled by a Chase XXXX representative. 

What has been most upsetting is the dismissive treatment I received. I spent XXXX days attempting to resolve this issue and felt treated as though I were being dishonest. I have always managed my accounts responsibly and previously worked for over XXXX years at a financial institution, where customer protection and accountability were core principles. 

I respectfully request reimbursement of the {$50.00} fee and a review of Chase Travels procedures regarding assisted bookings, call recordings, and dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have a brother by the name of XXXX XXXX who lives with me who is a drug addict we have arrested him XXXX times in XXXX years .when I go home go to sleep he steals my wallet some how he got hold my debit pin number and he would take out cash from atm and return my wallet back in my room late night.or in afternoon when I get home from work I take shower go and cook meal to eat I would not notice my card missing and XXXX XXXX XXXX steal my card and use it to take out cash I work XXXX jobs to pay bill at townhouse I own .we arrested by brother XXXX XXXX for XXXX charges for hitting my mom dad and stealing there chase bank debit card as well as my Huntington bank card and he use them for drugs ... after I sent XXXX police reports to Huntington bank they did not refund my XXXX back and they added XXXX fee from my account as well as Huntington bank XXXX XXXX on my account and refuse to give my XXXX cents that is in my account as of XXXX .. when I talked to branch XXXX they said my payment has not cleared the bank but when I went on automatic system it showed money being in my account the very next day it showed XXXX dollars in my account and fraud department said they send that XXXX back to my employees my employees said no they had not received it .. however lady in branch office told me I will get my money of XXXX in XXXX  days Huntington bank is playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( {$700.00} ) and XXXX XXXX XXXX XXXX ( {$170.00} ) are furnishing collection accounts to TransUnion, XXXX, and Equifax with derogatory unpaid collection remarks. These debts were reported without ever providing me validation or documentation proving they belong to 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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX  XXXX {$140.00} XXXX XXXX  {$120.00} I am not aware of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( {$700.00} ) and XXXX XXXX XXXX XXXX ( {$170.00} ) are furnishing collection accounts to TransUnion, XXXX, and Equifax with derogatory unpaid collection remarks. These debts were reported without ever providing me validation or documentation proving they belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I went to the chase bank and closed my account and had my debit card destroyed by the bank. They kept the account open and continued accepting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WA

Complaint narrative:
PNC froze my account and removed o er {$3000.00} from it on XX/XX/XXXX, making my balance show {$0.00}. I was not contacted in any way prior to this occurring. When I noticed and called, they said a mobile deposit of {$350.00} I had received was under investigation for the signature which they believed was fraudulent. I asked why it wasnt just the {$350.00} that was removed but my entire account, and they refused to answer as to if or when the funds would be returned to me. I was told that I needed to contact the company that issued the check MYSELF to get proof that they sent it to me. When doing mobile deposit youre told to keep the check itself in case of an issue not the tear off receipt part or the letter that accompanied it. I was then told that the check itself was not sufficient evidence. 
I check with PNC DAILY to try to get more information on when my money will be returned to no avail. Im done with this and will be contacting my attorney because this is utterly ridiculous. The {$3000.00} they removed was an ACH deposit from my EMPLOYER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
CBE is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE 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 non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I MAIL AND EMAIL ALL PROOF OF MY. PAYMENTS TO FAY SERVICING. THEY DO NOT PROCESS MY PAYMENTS ON TIME THEN I GET LATE PAYMENTS ON MY CREDIT REPORT AND ITS ADVERSELY AFFECTING MY LIFE. I WANT THESE LATE PAYMENTS REMOVED FROM ALL 3 BUREAUS IMMEDIATELY AS I HAVE NEVER BEEN LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am disputing a charge by XXXX XXXX XXXX for a cancellation fee. I am filing this complaint against Wells Fargo for failing to properly investigate an unauthorized transaction and a revocation of authorization. 

PRIOR MATERIAL BREACH : I had signed an agreement with a pest control company XXXX XXXX XXXX to service my house in XX/XX/XXXX. However the merchant failed to provide the contracted services ( specifically : treating mosquitos both my front yard and backyard ). This constitutes a material breach, voiding the cancellation penalty. So I requested termination of the agreement in XX/XX/XXXX. 

REVOCATION OF AUTHORIZATION : On XX/XX/XXXX, prior to the charge, I explicitly revoked the merchant 's authorization to use my Wells Fargo credit card for this fee over the phone. Under XXXX rules and Regulation Z, the merchant 's right to charge the card ended upon this revocation. After realizing the charge is showing on my statement, I filed a dispute of this transaction with Wells Fargo. Yet they decided not to proceed with refunding my charge. 

BANK ERROR : I had a call again with Wells Fargo dispute center on XX/XX/XXXX around XXXX ET to follow up on this case. Wells Fargo refused to re-open the dispute, claiming that 'auto-renewal ' or 'contract existence ' overrides my right to revoke payment authorization, and that I need a writen notification to revoke my payment authorization. This is a violation of XXXX cardholder protections. 

REFERENCE : Dispute case # provided from Wells Fargo : XXXX Representative I spoke to on XX/XX/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 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: West Capital Lending, Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding lender-side errors that caused repeated delays in the closing of my FHA mortgage loan and resulted in direct, documented out-of-pocket costs.

My loan with West Capital Lending was originally scheduled to close on XX/XX/year>. Due to two lender-side issues that were acknowledged during the transaction, the closing was delayed twice first to XX/XX/year>, and then again to XX/XX/year>. 

The lender-side issues were : An FHA case number handling error A condo approval / FHA eligibility oversight These issues were unrelated to anything on my side as the borrower. All borrower conditions had been satisfied, and my documentation was submitted on time.

Because of these lender-caused delays, I incurred out-of-pocket housing costs that would not have existed otherwise, including : XXXX lease extension : {$1100.00} XXXX lease extension : {$960.00} Rush fee to close on XX/XX/XXXX : {$200.00} Total documented out-of-pocket costs : {$2300.00} While my real estate agent was able to negotiate extensions with the seller, the missed contract deadlines placed me at real risk of forfeiting my {$3600.00} earnest money deposit had the seller not agreed to extend. This risk was created solely due to the lender delays noted above.

After closing, I formally requested reimbursement of the documented out-of-pocket costs. West Capital Lending acknowledged the delays but stated that lease extensions are considered normal housing expenses and declined reimbursement, offering only a gift card as a goodwill gesture.

My concern is not standard housing expenses, but rather avoidable costs that arose solely because of lender processing errors. Without the FHA case number error ( which is a clear FHA policy violation ) and condo approval oversight, the closing would have occurred as originally scheduled and these expenses would not have been incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account and refused to tell me why.

Company response to consumer: Closed with explanation