vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding Credit Collection Services and the reporting of an account that I believe contains inaccurate and unverifiable information. I have concerns that this account has been reported without proper verification and without providing the required consumer protections under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ).

Credit Collection Services reported this account to my consumer report without providing the necessary validation information and supporting documentation required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I was not given an appropriate opportunity to review and dispute the account, which is a right protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

The reporting of information without proper validation and dispute procedures creates concerns regarding the accuracy, completeness, and reliability of the account being furnished. I am requesting that Credit Collection Services conduct a thorough investigation, provide documentation verifying the accounts accuracy and ownership, and remove or correct any information that can not be confirmed as accurate and complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I am a XXXX XXXX  currently residing in XXXX. I am filing this formal complaint against XXXX XXXX due to a severe compliance failure during their recent mortgage servicing transfer, which has caused unfair and catastrophic damage to my credit profile. 

My mortgage loan was historically serviced by XXXX XXXX, with a flawless payment history through automatic monthly routing. The last successful auto-draft occurred in XX/XX/year>. 

after that, my automatic billing was abruptly terminated from the lenders ' end without clear, proactive notice or actionable instructions on how to maintain payments from abroad. 



Furthermore, XXXX has completely walled off all communications and support channels : 1. XXXX XXXX has deactivated all previous mortgage customer service lines and left my multiple proactive inquiries via email completely unanswered. 
2. XXXX XXXX 's online portal shows absolutely " NO RECORD '' or information regarding my loan when I attempt to locate it using my personal credentials, meaning my account was either omitted or lost during the data migration. 
Because the lenders failed to provide an active payment channel or a functioning account platform, I am entirely blocked from making my regular payments despite my continuous, documented willingness to pay. 
Consequently, my U.S. credit score has precipitously plummeted to a poor rating of XXXX due to ongoing " Late Payment '' marks reported to the credit bureaus.

This is a direct violation of the Real Estate Settlement Procedures Act ( RESPA ) servicing transfer protections. The systemic breakdown between XXXX XXXX and XXXX XXXX has penalized me for an operational error entirely on the lenders ' part.

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 2026-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
I am writing to formally dispute the lending practices associated with my loan issued by Uprova Credit , LLC. After reviewing my loan agreement, I believe the terms of this loan are predatory, unconscionable, and inconsistent with the principles of fair lending. 

My loan provides {$2400.00} in principal, yet requires repayment of {$6500.00} through XXXX bi-weekly payments, resulting in an Annual Percentage Rate ( APR ) of approximately 331.53 %. This interest rate is extraordinarily excessive and places borrowers in a cycle of debt that is nearly impossible to escape. 

The loan agreement also attempts to require disputes to be governed by tribal law rather than the consumer protection laws of my home state of Washington. Additionally, it includes mandatory arbitration provisions and waivers of important legal rights, including the right to participate in class actions. I believe these provisions significantly limit consumers ability to challenge unfair or deceptive practices. 

I am also concerned that this loan was marketed as a financial solution despite carrying costs that far exceed what most consumers would reasonably expect or be able to repay. The overall cost of credit is grossly disproportionate to the amount borrowed. 

I respectfully request that this loan be reviewed for compliance with applicable federal and Washington consumer protection laws, including laws prohibiting unfair, deceptive, or abusive acts or practices. I also request that Uprova Credit , LLC cancel this loan, cease all collection activity while this matter is under review, and report that no negative information be furnished to any consumer reporting agency during the investigation. 

I believe these lending practices warrant regulatory review to determine whether consumers are being subjected to unlawful or abusive financial products. 

Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution. 

Sincerely, 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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I am filing a formal complaint against Arvest Bank for violations of the Electronic Fund Transfer Act ( Regulation E ), the Fair Credit Reporting Act ( FCRA ), and illegal cross-account seizure limits. 
Three years ago, my personal checking account suffered unauthorized ATM fraud/theft. Arvest Bank 's fraud department investigated the crime and formally ruled the dispute in my favor on XX/XX/year>. 
However, before finalizing the fraud credit, Arvest illegally seized {$180.00} from a separate joint checking account belonging to my daughter to cover the temporary negative balance. My daughter was a XXXX minor at the time, and I was merely a cosigner on her account. Under banking law, a bank 's Right of Offset can not be used on a minor 's joint account to satisfy an individual adult 's separate debt. Furthermore, because the fraud was ruled in my favor on XX/XX/year>, no legitimate debt ever existed.My daughters account is now closed, and Arvest has withheld these funds since their formal ruling. Recently, Arvest acknowledged they hold these funds but are refusing to return the full amount, offering only a partial payout of {$100.00}. They claim the remaining {$81.00} is an " overpayment. '' This is false. Arvest is illegally retaining {$81.00} to offset internal bank losses from a validated fraud case. I have officially rejected this partial settlement offer. 
Additionally, Arvest Bank has reported this fraud-related balance as a negative " charge-off '' under my name to XXXX. Knowingly reporting an inaccurate, fraud-related deficit that the bank 's own investigation cleared me of on XX/XX/year>, is a severe violation of the FCRA. This negative reporting has severely damaged my banking credit and prevented me from opening accounts.

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint to dispute unfair and predatory billing practices by Citibank regarding my XXXX XXXX XXXX XXXX. 
In XX/XX/year>, an automated system error occurred when a {$1600.00} AutoPay pull was triggered despite my manual payment of {$1100.00} on XX/XX/XXXX. This resulted in a returned payment. I have a consistent, long-standing history of making timely, full payments on this account, and this incident was an isolated, one-time error caused by the timing mismatch. 
Citi acknowledged this as an isolated error and issued a good-faith waiver for the associated {$30.00} return fee and all interest charges on my XX/XX/year> statement. However, despite this prior resolution, Citibank is now treating my account as if I failed to make any payment in XXXX. They are applying 'residual ' or 'trailing " interest to my XX/XX/year> statement, retroactively penalizing me for an incident that was already settled. 
I contacted Citibank on XX/XX/year>, and spoke with a supervisor to request that they honor the previous waiver and stop the accrual of this interest. The supervisor refused to remove the charges, failing to recognize my history of responsible account management and effectively penalizing me twice for the same resolved error.

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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation
State: TX

Complaint narrative:
Since XX/XX/year>, Albert XXXX has charged my account a recurring monthly subscription fee and has increased it over time, without honoring my repeated requests to cancel. I have attempted to cancel this subscription on multiple occasions, and each time I have been unable to complete cancellation due to the companys account interface and processes, which do not provide a clear, direct way to stop billing. As a result, Albert has continued to withdraw money from my account/card on a recurring basis for over a year despite my repeated intent to discontinue the service. 

This pattern is not unique to me. Independent research into user experiences ( compiled from XXXX threads, app store reviews, and consumer complaint boards ) consistently identifies cancellation difficulty as the most frequently reported problem with Alberts app describing users unable to locate a cancellation option, being redirected through multiple screens, and in some cases continuing to be charged even after believing they had successfully cancelled. 

I have been billed for a service I did not want and actively tried to stop, resulting in unauthorized, recurring charges to my account over an extended period ( XXXX XXXX ), causing direct financial harm. They also take money out of my account on saying they are investing it, but then it is impossible to remove.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Background and Missing Payment Details : Prior to a credit card portfolio transfer from XXXX to Citibank, I made a credit card payment via a physical check in the amount of {$8000.00}. This check was officially processed, endorsed, and cashed by the previous portfolio holder, XXXX, on XX/XX/XXXX. Because the check was successfully cashed, the funds were legally transferred from my bank account, completing my payment obligation. I have a copy of the check. 

Citibank 's Systemic Error and Collection Threats : Following the portfolio transfer, Citibank failed to log this payment into their system, claiming the balance was unpaid. Citibank has now stated that they are enforcing a resumption of payments on XX/XX/XXXX, effectively forcing me to pay double my required credit card payments to avoid a penalty. I am currently making structured payments toward this debt through a credit union and can not absorb a duplicated payment caused by an institutional data-transfer error. 

Actions Taken to Resolve the Issue : I have repeatedly attempted to resolve this billing error directly with the company, providing concrete physical evidence that the funds were cleared : XX/XX/XXXX : I submitted clear, physical proof to Citibank showing the front and back of the cashed check, including the XXXX endorsement stamps. 

XX/XX/XXXX : After Citibank failed to update my account, I submitted the exact same proof of the cashed check a second time.

Verbal Communications : I have spoken directly with multiple Citibank phone representatives to explain the timeline and trace the payment.Despite providing irrefutable proof twice and speaking with representatives, Citibanks internal tracking has ignored the documentation. They maintain that they have no record of the payment and refuse to adjust the balance or pause the upcoming XX/XX/XXXX payment acceleration.

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this formal complaint against Citibank , N.A . for critical credit reporting violations under the Fair Credit Reporting Act ( FCRA ) and a failure to protect a victim under the Illinois Coerced Debt Law. 
My My Best Buy Visa Platinum account ( original account ending in XXXX ) was subjected to a criminal account takeover and extortion from XXXX through XXXX. The perpetrator used force and threats to lock me out of my personal information, changed my contact settings, and ran up over {$21000.00} in fraudulent charges. On XX/XX/XXXX, I was granted a formal state Order of Protection against this perpetrator. Under the Illinois Coerced Debt Law ( Public Act 103-0423 ), this Order of Protection serves as full, valid legal third-party verification that shields me from liability for this coerced debt. 
Citibank closed the original account ( XXXX ) and moved the fraudulent balance to an internal tracking number ending in XXXX. They issued a letter on XX/XX/year>, confirming a fraud claim was opened. However, while this investigation is supposedly pending, Citibank has allowed a third-party agency ( XXXX XXXX XXXX XXXX to actively collect on this fraudulent debt. Furthermore, Citibank has caused duplicate, highly damaging accounts to report simultaneously on my XXXX  credit file. 
I have already submitted my Order of Protection directly to Citibank. I demand that Citibank immediately recall this debt from XXXX XXXX XXXX, completely XXXX out the balance on both XXXX and XXXX, and delete all negative or duplicate reporting from XXXX XXXX and XXXX. 
I am establishing a strict deadline for Citibank to provide a final, compliant resolution within the 15 days required by the CFPB.

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 2026-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I cant access my report. I can only see it on my credit card score which is 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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
On XX/XX/year>, I wired {$10000.00} USD from my personal XXXX XXXX  XXXX account to my verified Kraken account. Kraken placed an initial 7-day hold on the funds, which expired as scheduled. 

On XX/XX/year>, after the hold expired, I attempted to transfer the funds to my personal XXXX wallet. Immediately following that attempt, Kraken imposed a 90-day restriction on my account without first contacting me to verify my identity or confirm that I had authorized the transaction.

I no longer wish to transfer cryptocurrency. Instead, I have requested that Kraken return the funds to the same XXXX  XXXX XXXX account from which the original wire transfer originated. Because my account is now restricted, I am unable to add or manage bank information, and I have been unable to obtain meaningful assistance through Kraken 's support channels or communicate with a live representative. 

I respectfully request the CFPB 's assistance in obtaining a prompt review of my case and the return of my {$10000.00} USD to the originating XXXX XXXX XXXX account. If Kraken believes it has a legal or contractual basis for withholding my funds for 90 days, I request that it provide a specific written explanation supporting that decision.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX XXXX scamming to Federal Student Aid. I signed a document thinking it was FSA and to prepay my student loans. No money has been taken yet, but will 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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I am filing a formal federal FDCPA complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding automated collection statements sent under Citation References XXXX, XXXX, and XXXX tied to Drivers License XXXX. I do not owe these alleged time-barred debts, and an official search of the XXXX XXXX XXXX XXXXXXXX XXXX database confirms zero outstanding offenses or holds exist against my license profile. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am issuing a formal directive to CEASE ALL COMMUNICATIONS with me immediately. I refuse to pay a single penny for postage to mail a cease-and-desist letter to a third-party collector for dead files. I demand that XXXX immediately place a permanent 'Cease Mail ' lock on my address profile to halt all further billing coupons and electronic notices permanently.

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 2026-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN INCORRECTLY REPORTED ON MY CREDIT REPORT. I HAVE NEVER APPLIED FOR, OWNED, OR AUTHORIZED THIS ACCOUNT AND HAVE NO ASSOCIATION WITH IT WHATSOEVER. I HAVE BEEN DISPUTING THIS FOR MONTHS, AND ITS CONTINUED REPORTING IS CAUSING ME SIGNIFICANT XXXX. THIS INFORMATION IS INACCURATE, MISLEADING, AND DOES NOT REFLECT MY TRUE CREDIT PROFILE. I AM FORMALLY REQUESTING A THOROUGH REVIEW AND PROPER VERIFICATION OF THIS ACCOUNT. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE DOCUMENTATION THAT CLEARLY LINKS THIS ACCOUNT TO ME, IT MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: VA

Complaint narrative:
I opened a Netspend checking account on XX/XX/year> with the promotional offer of direct deposit of {$400.00} or more within 60 days of account opening to receive a {$100.00} bonus into the checking account. I work for XXXX  XXXX XXXX and has set up direct deposit from my salary to go straight to this bank account on XX/XX/year> ( early paycheck has arrived at NetSpend 2 days early so the deposit posted on XX/XX/year> ). However it has been 5 months and NetSpend still has not followed their promotional term to credit the promised bonus amount into my account. I have reached out to NetSpend multiple times to request a review but still receive " You are not eligible for the bonus because you did not have direct deposit within 60 days of account opening on your account '', which is not true and I had even sent them my pay stub to prove I did qualify the terms. 
Please see the attachments for screenshot with timestamp of promotional term, my bank statement, and my paystub. 
They also ordered my replacement debit card for my original debit card that had never arrived using expedite shipping without my authorization and charged me {$20.00} for it, which I had to call in multiple times over the course of 3 months to get my refund. 
The practice of this bank is unethical, deceiving, and needs to be noticed by the CFPB as well as the general public. Please help me reach out to them to request correction actions on their party. 

Thank you very much, 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