vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX ( {$970.00} ) and XXXX XXXX XXXX XXXX XXXX ( {$820.00} ) from Best Buy totaling {$1700.00} on my Citi Simplicity credit card. XXXX delivered both packages to XXXX, NY a completely different town from my correct delivery address in XXXX, NY. I never received either item. XXXXXXXX XXXX official tracking confirms delivery to XXXX, NY. XXXXXXXX XXXX own delivery photos show the packages at completely different houses that are clearly not my property. I disputed both charges with Citi. Citi resolved both disputes in Best Buy 's favor on XX/XX/year>. When I called to appeal, I was told Best Buy submitted a map as proof of delivery. Citi accepted a merchant-created map over XXXXXXXX XXXX own official tracking system which clearly shows delivery to a completely different town. Best Buy also sent me an official written email confirming my refund before reversing it and telling me to contact law enforcement for their own carrier 's delivery error. I submitted all evidence during my initial disputes but Citi sided with Best Buy without properly considering it. I am requesting Citi reopen both disputes and refund {$1700.00}.

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 2026-06-22 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ran into an issue with a XXXX purchase and later a return, was not receiving a proper response from the merchant, exhausted all options to resolve the matter directly. Initiated a dispute via DCU for a full amount of {$440.00}. Provided full set of documents, including proof of purchase, outlining an issue with a purchase ( open box, not as described, different product ), went through merchant 's return policy and returned it back - shipped and provided a DCU copy of return information - copy of the label, tracking, proof of delivery and a brief description of the issue. DCU failed to conduct a proper investigation, received a generic response from the merchant, which ignores the principle of the complaint totally and closed the case. Please forward this concern to Executive office of DCU. See attached.

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 2026-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
RE : COMPLAINT ID XXXX I am opening a new complaint against US Bank XXXX XXXX bank has failed to provide provisional credit or resolve unauthorized electronic fund transfers within the statutory deadlines of Electronic Fund Transfer Act ( EFTA ) / Regulation E. I sent a formal written dispute via certified mail on XX/XX/year>, which was delivered soon after, and the bank has completely ignored it, leaving me without access to my funds for over 30 days, and violating numerous federal laws. The start of not having access to my funds began on XX/XX/year>. Today 's date is XX/XX/year>. US Bank has failed to give me access to my own funds that their employee is responsible for. You can even see the negligence in their response. They have a completely different address listed on my account that should not be there! My bank cards and financial documents continue to be sent to addresses that are not listed on my account after I have repeatedly verified that there should only be one address on my account! They have yet to resolve this issue and I have not had access to my credit card since the beginning of the employee, XXXX XXXXXXXX XXXX, negligence on XX/XX/year>. XXXX is a US Bank branch employee at the XXXX XXXX XXXX. location in XXXX, XXXX She corresponded with me and told me that the funds were placed in my account from XXXX and we did not have to open a claim. She provided false information that I relied upon and proceeded to wake up in the next couple of weeks to overdrafts and a maxed our credit card. Since then, employees and supervisors have haphazardly told me three different dates for having access to my credit card. No one has called me back about my funds. This has been going on for nearly two months at this point. I am unable to pay bills, and the bank is still sending my bank information to an address I do NOT have listed. I will be reporting to the OCC as well. This kind of negligence has to be stopped.

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 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: PA

Complaint narrative:
I am filing this complaint regarding a {$1000.00} money transfer initiated through the Abound money transfer application on XX/XX/year>, using my XXXX XXXX checking account. More than 22 days have passed since the transaction was initiated. The funds have neither been delivered to the recipient nor returned to my bank account. Each time I contact customer support, I receive a different expected completion date, but no clear explanation for the delay. This is not my first experience with this company. I have previously experienced similar issues involving significant delays, which were resolved only after filing a complaint with the Consumer Financial Protection Bureau. The repeated delays, lack of transparency, and changing responses from customer support have caused me serious concern regarding the companys business practices. Based on my experience, these practices appear potentially deceptive and unfair to consumers. I respectfully request that the company either complete the transfer immediately or refund the full amount to my bank account. I also request that the Consumer Financial Protection Bureau investigate the companys money transfer practices to determine whether other consumers may be experiencing similar issues and whether any consumer protection laws or regulations have been violated. I am providing supporting documentation, including transaction records, account statements, and communications with customer support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I took out student loans back in XXXX to pay for my XXXX degree then again in XXXX for my XXXX XXXX. At the time my student loans were with the Department of Education ( technically XXXX XXXX XXXX which became XXXX ). When I graduated in XXXX, I made monthly payments until XX/XX/XXXX when the Covid pandemic occurred. Then, the DOE paused payments until XXXX when I was transferred to Mohela. Once I was transferred to Mohela, my loan was deferred. A couple of months ago, when there was talk about the SAVE program ending, I tried to call Mohela to ask about the status of my loan and how I could make a payment plan. I spoke to a representative who placed on hold for over an hour and never answered the phone. Then on XX/XX/XXXX, I went on Mohela 's website and selected the IDR repayment plan, which meant I could pay {$50.00} a month. I was told my application was accepted and I thought that was the end of it. Then on XX/XX/XXXX, I received an email from Mohela stating that my monthly payment was now {$480.00} and that it will be automatically withdrawn on XX/XX/XXXX. I called Mohela on Monday, XX/XX/XXXX to ask why my first application was denied and how could we fix this because I can't afford $ XXXX. I first called at XXXX and didn't get a representative until 20 minutes later. I spoke to someone name XXXX and she said that the {$50.00} a month plan was a government error and she was going to forward me to an advance representative. She stated that it would be a 20 minute wait ; I ended up waiting over an hour and 30 minutes and still didn't get a representative. I hung up and called again at XXXX. I waited for 20 minutes to talk to another representative ( who's name I didn't catch ) and she repeated the same thing as XXXX except that she didn't know how long it would take to get me connected to a higher representative. I ended up waiting for an hour and 40 minutes and still couldn't get someone to answer my call. This isn't the first time I had trouble contacting Mohela. Anytime I've tried to call them, I end up waiting for an hour or two and I still can't get help. They are only open from XXXX so I'm forced to take time off work to call them. I've tried to use their website, which is semi-easy to navigate but if I have a problem, I'm forced to call Mohela. I need to fix this before XX/XX/XXXX but I'm getting the run-around from Mohela. Since I've been transferred to Mohela, the loan repayment process has become more complicated and I feel like I'm being scammed. I need help. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
My credit card was previously serviced by XXXX XXXX while with XXXX XXXX there were no annual fees. The first year of being serviced by the new company I was charged an annual fee but then received a letter stating that I was charged in error and the charge was removed. XX/XX/year>- I received a statement showing a {$99.00} annual fee for this year. When I called to inquire about the charge, I was left on hold for over XXXX minutes. I call back again and asked for a supervisor was left on hold again for over XXXX minutes. Sent the attached letter into XXXX XXXX and still have not received any type of 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 2026-06-22 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: FL

Complaint narrative:
SECTION 1 : SUMMARY OF ISSUE I am filing this complaint to address a severe billing error and a procedural breakdown by Wells Fargo regarding credit card dispute Claim ID XXXX on my Wells Fargo XXXX XXXX XXXX card ending in XXXX. SECTION 2 : ERRONEOUS DUPLICATE BILLING ( 12 CFR 1026.13 ) Following the closure of a multi-month dispute regarding faulty vehicle service by a merchant, Wells Fargo closed the investigation, ruled against my claim, and reversed the temporary credit. However, the bank 's internal processing system executed a duplicate command loop. On XX/XX/year>, Wells Fargo applied two identical charges of {$1500.00} to my statement, both labeled " * BANK ADJUSTMENT XXXX XXXX XXXX ''. This accounting failure is verified in the attached file WellsFargoDuplicateBilling.png. Double-billing a consumer for a single disputed transaction constitutes an explicit billing error under 12 CFR 1026.13 ( a ) ( 5 ) ( which addresses a computational or similar error of an accounting nature made by the creditor ) and 12 CFR 1026.13 ( a ) ( 1 ) ( which addresses an extension of credit not authorized by the consumer ). SECTION 3 : FAILURE OF REASONABLE INVESTIGATION AND TECHNICAL EVIDENCE Furthermore, Wells Fargo failed to conduct a reasonable investigation as required by the Fair Credit Billing Act ( FCBA ). On XX/XX/year>, I submitted a comprehensive package including a professional second opinion from an independent mechanic, an official XXXX Part Schematic outlining the factory securement specifications, and documentation showing the merchant refused to participate in state-level mediation with the Florida Department of Agriculture and Consumer Services ( FDACS ), which have all been reattached to this complaint. The bank failed to evaluate this cross-referenced technical evidence, issued a blanket denial months later, and then corrupted my balance with a duplicate processing loop. SECTION 4 : TIMELINE OF SYSTEM AND PROCEDURAL FAILURES XX/XX/XXXX to XXXX, XXXX : I opened the initial dispute for {$1500.00} regarding a failed vehicle repair. XX/XX/year> : I provided the independent mechanic 's second opinion, the factory XXXX Part Schematic, and FDACS mediation documentation at the bank 's request, and Wells Fargo issued a written commitment to respond within 7 to 10 days. XX/XX/year> : Wells Fargo closed the case and erroneously ran a duplicate reversal transaction, charging my account {$1500.00} twice ( totaling {$3100.00} for a single {$1500.00} dispute ), which is verified by the attached file 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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On or about XX/XX/year>, we tried to use our Barclays XXXX credit card, and it was denied. We contacted Barclays and were told our card had been converted to a XXXX card on XX/XX/year>. We were told the card was " in the mail. '' That seemed unlikely, so we contacted XXXX. We were told by the rep at XXXX that we should get our card by " next week. '' Again, that felt like a canned answer. We contacted Barclays again and literally spent hours trying to reach a supervisor. We eventually spoke to someone named XXXX, who agreed to stay on the line while we pulled in a XXXX rep. With the two on the line, it was determined that our account was not transferred to XXXX. We were told that Barclays was " escalating '' the issue and would have an answer in 24-48 hours. I called Barclays back on XX/XX/year>. After being told again by the first two people on the line that my account had been " transferred to XXXX, '' I was able to reach someone named XXXX. She confirmed that the card was not transferred. She told me, again, that they would have a resolution in 24-48 hours. They would not agree to contact me with the resolution or provide a number to call that does not involve 30 minutes of trying to escalate the problem from their outsourced customer assistance. In the interim, we don't have a working card or any explanation of what is going on with ours. I have been a Barclays cardholder for over 12 years. I have always paid my balance in full and pay an annual fee for the benefits the card provides while traveling. I have literally spent hours on the phone trying to resolve this problem with no explanation of what is going on.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> RE : Dispute of I.C. SYSTEM, INC Account # XXXX XXXX To Whom It May Concern : I am writing to formally dispute the I.C. SYSTEM, INC collection account reported on my credit file. I dispute this account for the following reasons : 1. This is a duplicate reporting. This same debt is also being reported by XXXX XXXX ( Account # XXXX XXXX ) on my XXXX and XXXX reports. Reporting the same debt twice violates FCRA guidelines. 2. I have no record of any agreement with I.C. SYSTEM, INC and have never received proper validation of this debt. 3. This account is being reported as a " Collection Account '' with a balance of {$360.00}, yet I have not received any verification of this amount. Pursuant to FCRA 15 U.S.C. 1681i ( a ), I request a reasonable reinvestigation of this account [ XXXX ]. I also request that you provide the names, addresses, and phone numbers of the individuals contacted during your investigation, as is my right under the FCRA. Please provide me with : - The original consumer contract bearing my signature - Proof of the debt chain of ownership from XXXX XXXX to I.C. SYSTEM, INC Cease & Desist Alleged Debt - Account number : XXXX XXXX To Whom It May Concern, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby ordered to CEASE AND DESIST all further communication with me regarding the alleged debt referenced in your file. I also dispute this debt in its entirety. If you have placed it on my credit report, you must delete it immediately. Any further reporting without proper validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I have already filed a complaint with the CFPB regarding your failure to provide validation under 12 CFR 1006.34 ( b ) ( 5 ).

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 2026-06-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, three unauthorized debit card transactions were processed by XXXX XXXX XXXX in the amounts of {$1300.00}, {$790.00}, and {$1100.00}, totaling {$3300.00}. I did not authorize these transactions, do not have an XXXX XXXX XXXX account associated with them, and did not receive any products or services related to these charges. I reported the transactions to Citibank as fraud and my debit card was subsequently replaced. Citibank later denied my claims, stating that XXXX XXXX XXXX reported no refund request had been made within the merchant 's refund period. However, this is not a refund dispute ; these are unauthorized transactions. During the investigation, Citibank provided documentation identifying a different individual as the customer associated with the transactions. Despite this information, Citibank has not explained how it concluded that I authorized the charges. I requested supporting evidence and reconsideration of the decision but have not received a satisfactory response. I am requesting that Citibank reopen the investigation, provide the evidence used to deny the claims, and reimburse the unauthorized transactions if it can not establish that I authorized them.

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 2026-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
Cash express showed up to my house with a letter and started banging on my door before taping the letter to my door. It is not even addressed to my husband nor myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: NV

Complaint narrative:
I filed a dispute with moneylion on XX/XX/XXXX for two transactions for neighbor storage for the transactions that I should have been refunded for per the host but was not and neighbor has been giving me the runaround so I filed disputes back XX/XX/XXXX with the corresponding evidence screenshots and emails Etc and moneylion wanted me to fill out a form a fraud form about the transactions which I did not because that is not the correct form that that's not the reason why I filed the dispute in the first place as they were not fraudulent charges. They still have not responded to and they haven't done anything with my dispute they say it's still in progress so it takes 90 days but the I filed a dispute afterwards on XX/XX/XXXX which they already have a response for so when I asked them how they already have a response for that one if it takes 90 days they said it depends on the merchant which apparently that's a lie and the other dispute they said they didn't find any error but I never said there was an error I said I never received my order. And needless to say I've told moneylion I need my money I'm disabled this is {$210.00} and for them taking their time and investigating or whatever they say they're doing I've become homeless been out in the heat with nothing to eat nothing to drink barely for days no gas and no way to get no money and they don't care.

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