vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Complaint Regarding Misleading Credit Card Promotional Offer ( Citibank XXXX XXXX XXXX ) I am submitting a complaint regarding what I believe to be a misleading or deceptive promotional offer associated with a Citibank credit card marketed on an XXXX XXXX flight. On XX/XX/year>, while traveling on an XXXX XXXX flight from XXXX TN to XXXX NC I was presented with a promotional pamphlet advertising a Citibank / AAdvantage credit card offering XXXX XXXX XXXX miles after approval and then meeting a specified spending requirement. Based on this offer, I applied for the credit card. I was subsequently approved ; however, I later learned that my account was only eligible for XXXX miles rather than the XXXX miles advertised in the pamphlet. On XX/XX/year>, I contacted Citibank customer service to resolve this discrepancy but was told that the offer was for XXXX miles only, despite explaining that I applied in reliance on the in-flight promotional materials. I then asked to speak to a supervisor who came on the line and identified himself as XXXX. He told me that if I sent a copy of the brochure via email to Citibank that the remaining miles would be credited to my account. I then received a letter from Citibank dated XX/XX/year> stating that their records do not indicate I was solicited for the XXXX miles. Im not sure whatever theyre basing their records on since they were not present when the airline hosts wandered up and down the aisles of the flight handing out the brochure to all who were interested. They wanted proof of the brochure ( which was already emailed to them on XX/XX/XXXX ). Citibank representatives have refused to honor the XXXX offer and have not provided a satisfactory explanation for the difference. I believe this situation may constitute misleading or deceptive advertising, as I relied on the specific promotional terms presented to me at the time of application. I am including the following supporting documentation : 1 ) a copy of the in-flight pamphlet advertising the XXXX offer 2 ) confirmation of my travel via XXXX on XX/XX/XXXX from XXXX TN to XXXX NC 3 ) email sent to Citibank that included the pamphlet 4 ) letter received from Citibank I respectfully request that the CFPB review this matter and assist in obtaining a resolution. Specifically, I am seeking for Citibank to honor the original XXXX promotional offer as advertised.

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 2026-04-30 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: AZ

Complaint narrative:
Dear [ Recipient 's Name or Customer Service ], I am writing to formally express my concern and dissatisfaction regarding the handling of fraudulent transactions on my account and the subsequent claim process. On Saturday, XX/XX/XXXX, I received a text message from Wells Fargo asking if I recognized a declined transaction of {$140.00} at XXXX XXXX on my card ending in XXXX, which I did not. Shortly thereafter, the card was restricted. On XX/XX/XXXX, I submitted a claim ( Claim # XXXX ) due to multiple unauthorized transactions on my account. However, on XX/XX/XXXX, I received a letter notifying me that my claim was denied, with the explanation that no signs of fraud were found during the investigation. I contacted Wells Fargo and spoke with XXXX regarding the resolution but was informed that the decision was final and the claim was closed. I requested an escalation, and my claim was reviewed again by XXXX, who advised me to pursue the matter directly with the merchants. Despite the fact that five unauthorized transactions totaling {$630.00} posted to my account, I was told there were no further options available through Wells Fargo. {$110.00} XXXX XXXX on XX/XX/XXXX {$56.00} XXXX XXXX on XX/XX/XXXX {$310.00} XXXX XXXX on XX/XX/XXXX {$89.00} XXXX on XX/XX/XXXX {$62.00} XXXX on XX/XX/XXXX As a loyal customer who has trusted Wells Fargo with my financial matters for many years, I am deeply concerned and perplexed by this outcome. It is unacceptable that my account was compromised, and yet the investigation was not pursued further to protect my interests. I respectfully request a thorough review of my case and a reconsideration of the claim. I also seek clarification on the steps Wells Fargo will take to safeguard my account and prevent similar incidents in the future. Thank you for your attention to this serious matter. I look forward to your prompt response.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that y

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Harris and Harris Ltd. Calls daily- sometimes twice a day, and leaves automated voicemails to call back, but no specific information. I have tried calling the number back and always get an error. I assume they are calling regarding medical debt from a hospital stay x 1 week XXXX XXXX XXXX, because that is the only debt I have, however I have spoken to XXXX ( the original company whom I owe roughly {$5200.00} to ) in person at subsequent XXXX XXXX appointments and via XXXX, to let them know that I am waiting on my critical illness check to arrive ( should be within a week or so ), so I can pay them. In person, the woman I spoke with said " no worries, I'll make a note here in your account so they know and won't bother you anymore ''. Bit it seems they did not communicate that with the collections agency, and I continue to be harassed daily. They also did not disclose that the calls were due to debt, so I ignored them thinking it was a scam for the first few months. Nor did they send anything written, or disclose my right to dispute the debt. I don't want this to affect my credit and want them to stop calling me. I also heard there is a possible financial award to people in my position ( which I found out about when I finally googled the company to figure out who they were/what they wanted/ how I can make them stop calling ). Thanks, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolutions is reporting a collection account from XXXX XXXX XXXX that I do not recognize, did not open, and have not authorized. I disputed this account and requested validation. The furnisher has not provided any documentation showing liability, such as an original signed agreement, application, or other records establishing that I am the responsible party. Under the Fair Credit Reporting Act 1681s-2 ( b ), once a dispute is received, a furnisher is required to conduct a reasonable investigation and verify the accuracy and completeness of the information before continuing to report it. Because no competent evidence of contractual obligation has been provided, the continued reporting of this account is not supported by a reasonable investigation and is therefore inaccurate and unverifiable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have a PayPal account I rarely use -- only about 10 transactions in the past 3 years. Someone gained unauthorized access to my PayPal account and committed the following fraud : On XX/XX/year>, three unauthorized transfers of {$180.00}, {$180.00}, and {$200.00} were made from my own linked XXXX XXXX XXXX XXXX XXXX debit card ( ending XXXX ) to load a total of {$560.00} into my PayPal account without my knowledge or authorization. On XX/XX/year>, two payments of {$180.00} and {$180.00} were sent from my PayPal account to XXXX, a XXXX bank, using a PayPal XXXX XXXX ending XXXX. I never requested this debit card, never received it, and do not possess it. PayPal issued this card to an unauthorized person without my consent. I filed disputes with PayPal for both fraudulent transactions on XX/XX/year>. Both were denied the same day with no real investigation. PayPal only stated the transactions were " consistent with payment history '' which is completely false given my minimal account activity. The dispute case IDs are XXXX for {$180.00} and XXXX for {$180.00}. PayPal issued a physical debit card on my account to an unauthorized person, allowed my linked bank account to be drained, and denied my fraud claims without proper investigation. I am requesting a full investigation into how this debit card was issued without my authorization, and a full refund of all unauthorized transactions totaling approximately {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: OH

Complaint narrative:
Someone had deposited a fraudulent check in my account for {$960.00} I did not sign or deposit this check and now my account is sitting negative {$1000.00} and chance is refusing to do an investigation on the transaction and trying to make me pay negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/year>, I formally requested validation of the alleged debt from XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX XXXX, w ell within the required 30-day period. As a result, all collection activities from this company ceased, but at no point was any proof of the debt provided to me. Recently, I was notified that this debt was transferred to Monarch Recovery Management , Inc., who immediately began collection efforts without supplying the required proof of the debt. While the act of selling or transferring a debt does not itself constitute a collection activity, the obligation to provide proper validation remains. The original request for proof carries over, especially since there is no statute of limitations on a debt collector 's responsibility to validate the debt upon request. It appears that transferring this account to another agency may be an attempt to sidestep the protections outlined in the Fair Debt Collection Practices Act, specifically Section 809 regarding debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I reported my Chase Slate credit card as stolen in 2024 and notified Chase of fraudulent charges at that time. Although a replacement card was issued, the unauthorized charges were never removed or resolved. I fulfilled my responsibility by reporting the theft promptly. Under the Fair Credit Billing Act, I should not be held liable for fraudulent charges. However, Chase has failed to properly investigate or correct this issue. I am requesting the immediate removal of all fraudulent charges, correction of any negative credit reporting, and written confirmation that I am not responsible for these charges. This issue has caused financial harm and ongoing stress, and I am seeking a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Complaint Against : Navy Federal Credit Union ( and/or XXXX XXXX , as service ) Your Information : Name : XXXX XXXX XXXX XXXX XXXX California VA XXXX XXXX : 100 % ( service-connected ) Loan details : Private student loan, owned by Navy Federal, serviced by XXXX Principal balance : XXXX {$65000.00} ( as of XX/XX/year> statement ) What happened : I am a 100 % XXXX veteran, rated by the XXXX. Department XXXX XXXX XXXX as permanently and totally XXXX due to my military service. I have a private student loan originally through XXXX, which is owned by Navy Federal Credit Union. The current interest rate is 12.05 %, with a total balance of approximately {$76000.00}. Because of my VA XXXX rating, I am eligible for a Total and Permanent XXXX ( XXXX ) discharge of my federal student loans. However, when I contacted Navy Federal and XXXX to request a XXXX discharge for this private loan, both refused. Navy Federal and XXXX told me they have no policy for XXXX discharge on their private student loans and directed me to refinancing options instead. Why this matters : As a XXXX XXXX XXXXXXXX veteran, Im constantly in pain and needed help with assistance on this financial burden. My XXXX is permanent and service-connected. Despite this, a financial institution that markets itself as serving the military community ( Navy Federal ) refuses to offer any form of XXXX discharge or loan forgiveness for its private student loans. This leaves me with no path to relief other than bankruptcy or continued payments on a debt I can not reasonably repay due to my XXXX. What I want : I am requesting that Navy Federal Credit Union ( and/or XXXX ) provide a full discharge of my private student loan due to my total and permanent XXXX, consistent with the spirit of federal XXXX XXXXischarge programs and basic fairness to a XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
My loan was transferred to FCI Lender Services in XX/XX/XXXX. The old lender held up required documentation so my loan was on hold into XX/XX/XXXX. Based on documentation FCI received, FCI added my dead husband 's estate as a " co-borrower ''. He died XXXX years ago and the estate closed XXXX years ago. Since the estate no longer exists, there's no authorized signor to clear up any questions re dower rights a potential buyer may have re my farm. The farm was transferred into my name alone under the original survivorship deed ( clearly noted on the deed copy FCI received ), and FCI was also provided with the date stamped affidavit effecting the same transfer. Customer service said they'd " create a ticket '' to have this removed. In checking my FCI account today, I see on their Loan Information website page my interest rate is reported as 450 %. The correct interest rate is 4.5 % Customer service seemed to think I was being unreasonable in complaining about this " since your payment amount is correct ". I felt the need to DEMAND the entry in this field be corrected. Customer service said she'd " create a ticket ''. I've been advised the corrected information won't show on my account until mid May. For FCI to not have the correct interest rate, as used for my payment, feed into another loan summary page shows a major opportunity for error - as it's obvious the field on their summary page was entered manually ( or there's an erroneous calculation ) by someone not educated well enough to understand percentages. It's enlightening to experience the overly casual attitude from customer service regarding such a stupid error on their part! Borrowers shouldn't have to babysit a payment processor for something as important as a mortgage.

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 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC
State: SC

Complaint narrative:
I am here to file a complaint against Structured Settlement Collection/ NATIONWIDE CAPITAL SERVICES LLC . There has been multiple violations of my consumer rights from this company. First of all, the agency has provided XXXX inconsistent and conflicting information regarding the amount owed. I was given XXXX separate balances. One of {$700.00} and another of XXXX. This has caused not only confusion but it makes it diffuclt to verify the legitimacy and accuracy of the debt. They also have not sent me any form of formal letters in the mail about this. I only got a formal letter on my email AFTER asking for proof. Second, I have experienced repeated and excessive phone calls from XXXX different women that I consider to be harassment. The frequency and persistency and tone of these ladies voices has cause an unnecessary amount of stress to me. Third, the agency has contacted multiple family members and disclosed information about my alleged debt. This includes an uncle that does not live close to me, nor do I speak with or have his phone number myself. This is a serious invasion of my own privacy, and to my understanding, a violation of federal law, as debt collectors are not permitted to discuss my debt with third parties. Lasry, I was told by a representative on the phone that I was not allowed to record the phone calls, while stated that they were recording me. I believe this is an attempt to intimate me and discourage me from documenting interactions. I am requesting that this matter is to be investigated as they have threatened legal actions, wage garnishments and even liens on this matter. I also request that the collection agency : -Cease contacting third parties regarding my debt. -Provide accurate, written validation of the debt, including the correct amount owed. -stop all harassing communication. I would like documentation of the outcome of this investigation and any actions taken. I do have recording where I was given 2 seperate balances to my account, as well as the recording with the lady where she was being very harsh towards me. I have included a screenshot where she had try to contact and long distance family member. I have included XXXX of the only letters I have received from the company, as well

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 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I paid off my auto loan for a XXXX XXXX XXXX that was purchased used in fall XXXX. The payoff balance was {$3200.00} that I paid via XXXX on the GM Financial website. GM Financial claimed that the Title was mailed on XX/XX/XXXX but I did not receive it. First, they told me to contact the Commonwealth of Pennsylvania 's XXXX XXXX XXXX XXXX and ask them to send a duplicate title. The XXXX sent it again. I did not receive it. I called back and they explained that GM Financial needed to release themselves as lienholders and that is why the Title was being mailed to them. Next, I contacted GM Financial and they supposedly sent the title. It was not received. I reached out to GM again and they stated they sent a letter on XX/XX/XXXX and they mailed it again and they said it was going to come first class and it was being mailed first class and give them XXXX business day to receive the letter. The letter never came. They told me that the letter was not returned to them either. Most recently, they said they would expediate my title on XX/XX/XXXX and said it processed/mailed on XX/XX/XXXX. The mailing was suppose to UPS/FedEx overnight. I called on XX/XX/XXXX after getting home and not seeing the letter. The gentleman XXXX told me he would call me back at XXXX Arizona Standard Time / XXXX XXXX Day Light Savings Time and he did not. He also told me that I would be receiving a Paper Title as opposed to an electronic one and he did not know why. He is the only agent that told me this after he did significant digging into my account. I called the PA XXXX on XX/XX/XXXX as well and they informed me that GM Financial still did not remove themselves as the lien holder. They told me that the GM Financial must do this and the Lien Satisfaction Letter will not remove them. Finally, I called GM Financial XX/XX/XXXX when XXXX did not call and said it was mailed via First Class mail instead of overnight with Tracking. I contacted the GM Financial XXXX times without a Title nor a lien satisfaction letter. All I am looking for is a Title to sell my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I am unable to log into the XXXX Credit Card App. It cycles back to the login page. This is preventing me from making payments and redeeming rewards. I have tried re-downloading the app, Ive tried updating the app, Ive tried logging out and in, and Ive had calls with support. The issue remains. I can not log in, it cycles back to the login page after clicking on login.

Company response to consumer: Closed with explanation