vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX called XXXX as instructed to close account. Wait time was more than an hour so left phone number for callback. Received no callback so went on line in chat with customer rep XXXX. Requested lowering interest rate, closing account and pay off amount. XXXX requested reason for closing and I stipulated higher interest. So He stated interest would be lower and XXXX would be reduced on payoff which he quoted was XXXX. Made payment of XXXX on XX/XX/XXXX. XXXX statement still showed XXXX and other charges. Called citi XXXX customer service XX/XX/XXXX spoke to XXXX, XXXX, XXXX. They stated call to close account. Paid XXXX on XXXX Called again since account not closed nor credit of XXXX given. No callback again. Went to chat this time XXXX who stated investigation pending and to call number to close. Called again XXXX hour wait and I waited and waited. I chated again with XXXX and stated I would file a complaint.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I am filing this formal complaint against Contract Callers , Inc. ( XXXX ) Account # XXXX * * for repeated violations of the FCRA XXXX XXXX. XXXX ( b ). This is my fifth attempt to correct blatant reporting inaccuracies regarding an alleged PG & XXXX debt, which XXXX continues to " verify '' despite clear evidence of errors. XXXX is furnishing inconsistent and contradictory data across all three major credit bureaus, proving a failure to conduct a reasonable investigation : Illegal Re-Aging ( Date of Last Activity ) : XXXX is reporting XXXX different dates for the same account : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). Reporting a date nearly XXXX years after the actual delinquency is a direct violation intended to keep negative items on my report longer than legally allowed. Inconsistent Account Dates : There is no uniformity in the " Date Opened, '' with XXXX reporting XX/XX/XXXX while XXXX and XXXX report XX/XX/XXXX. Failure to Cure : Despite XXXX prior disputes pointing out these specific discrepancies, XXXX has failed to reconcile their records or provide any documentation to support these conflicting dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My bag was stolen on XXXX XX/XX/year>, and it contained my Venmo debit card and personal important belongings. After the theft, multiple unauthorized transactions were made without my permission. These transactions included purchases at XXXX XXXX and XXXX. I did not authorize any of these transactions, and they occurred after my belongings were stolen. There were XXXX unauthorized transactions at the same XXXX location within a short time period. Venmo reviewed these transactions and refunded XXXX of them, acknowledging unauthorized activity. However, XXXX other transactions from the same location and under the same circumstances were denied, even though they were part of the same incident. I reported the fraud to Venmo as soon as I became aware of it and submitted supporting documentation, including XXXX police reports and camera footage of the suspect. Despite providing this evidence, Venmo has not consistently resolved all related unauthorized transactions. I also received a warning from Venmo stating that my account may be closed due to disputes. This is concerning, as I am a victim of theft and have been attempting to resolve fraudulent activity in good faith. I am requesting that Venmo : Reopen and fully investigate the denied transactions Refund the remaining unauthorized charges XXXX my case based on the evidence provided, including police reports and video footage

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL

Complaint narrative:
I received a text message from short code XXXX stating that my phone number is associated with an unpaid XXXX XXXX, Florida case and that the matter was sent to Perdue Brandon for collections. The text instructed me to call a phone number, but it did not provide a case number, creditor name, date of debt, amount breakdown, or documents proving the debt belongs to me. I am concerned this may be a mistaken identity, wrong-number collection attempt, or misleading collection communication. I have not been provided enough information to determine whether this is a valid debt. I am requesting debt validation in writing, including : the original creditor, the court or agency involved, the case number, itemized amount claimed, the date of the alleged obligation, and proof that the debt belongs to me. I also request that the company stop contacting me by text or phone unless and until it provides proper written validation. If this debt is not mine, I request that my number be removed from its records and that no further collection communications be sent to me. I am attaching screenshots of the text message and my efforts to verify whether any such XXXX XXXX case exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: KY

Complaint narrative:
First of all, I thought President Trump demanded that the credit card companies to lower interest rates to 10 percent for a year??? That hasn't happened, AND my Citibank credit card company is charging me interest for purchases back in XXXX! It's no wonder I can't get it paid down! I asked them about it and they said it's because I'm not paying off the balance each month, which I CAN NOT afford to do! So, I got an application to get a XXXX percent interest, 18 month balance transfer and have already received the card but the transfer has not happened yet, and I was told it would take up to10 days after getting approved, so I called XXXX to ask why and they said it's STILL pending, plus I found out they're charging me a transfer fee of {$120.00}! I've NEVER had to pay a fee before to transfer a balance before! I feel I'm being scammed by BOTH Credit card companies.

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
I am filing a formal complaint against Lendly , LLC regarding deceptive billing practices, failure to provide an accurate payoff amount, and failure to properly respond to a written dispute. On XX/XX/year>, I made a payment of {$1700.00} toward my CC Flow line of credit after logging into my account and paying the full balance displayed on Lendlys website. After submitting this payment, my account reflected a {$0.00} balance. I relied on the accuracy of the balance presented in their system in good faith and understood that my account had been satisfied in full. After this payment, I was later informed that an additional balance remained due to billing cycle charges. These charges were not disclosed at the time I made my payment, and I was not provided with a true payoff amount prior to or during the transaction. At no point was I informed that additional charges would continue accruing after I paid the balance shown as owed. I formally disputed this balance in writing on XX/XX/year>, and requested validation and documentation of the alleged remaining balance. I followed up again on XX/XX/XXXX and XX/XX/XXXX after receiving no response. In each communication, I requested : A complete itemized statement of the alleged balance Documentation supporting that I owe this amount A detailed explanation of how the charges were calculated, including any interest or fees An explanation as to why this amount was not reflected at the time I was presented with and paid the full balance Confirmation that no additional charges would be applied while the account remained in dispute Despite these repeated written requests, Lendly failed to provide a timely or adequate written response. Instead, they continued to send payment reminders and attempted to contact me by phone, despite my explicit request that all communication be conducted in writing. Additionally, while this account has been in dispute, Lendly has continued to assess additional charges, increasing the alleged balance without proper validation or explanation. Lendly has since responded with a general explanation of how billing cycle charges work but still has not provided : A specific payoff amount as of any given date A full itemization of charges A breakdown of how each billing cycle charge was calculated An explanation as to why the payoff amount shown at the time of my payment was inaccurate I believe these actions constitute : Failure to provide an accurate and transparent payoff amount Deceptive or misleading billing practices Failure to properly investigate and respond to a written dispute Continued collection activity and balance increases during an active dispute Failure to honor my request for written communication

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/year>, I received written confirmation from Midland Credit Management stating that my account had been closed, collections had ceased, and I have no further obligation regarding this account. The current balance is confirmed as {$0.00}. Despite this written confirmation, Midland Credit Management continues to report this account negatively on my credit reports, damaging my credit profile. I have documentation from Midland confirming the account is closed and no further obligation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing this complaint regarding PayPals handling of a billing dispute involving an improperly timed subscription charge processed through my PayPal credit card. On XX/XX/year>, a {$96.00} subscription renewal charge from XXXX was posted to my PayPal credit account. However, according to the original billing agreement provided at signup ( see sign-up_receipt.pdf, page 5 ), the terms clearly state : After your discounted month, you'll pay {$96.00} monthly on the 1st of each month. Your next charge will be on Sunday, XX/XX/year>. Based on this agreement, the next authorized renewal date was XX/XX/year>. I cancelled the subscription on XX/XX/year>, prior to the contractually stated renewal date. Although XXXX does not send a cancellation confirmation email, the merchant explicitly confirmed my cancellation date in their response ( see seller_response.pdf ), stating : I would like to confirm that you have deleted your membership for {$96.00} to XXXX XXXX on XX/XX/year>. Despite this, the merchant processed the {$96.00} renewal charge on XX/XX/XXXX, XXXX day earlier than the agreed billing dateand after I had already cancelled the subscription. I believe this constitutes a billing error because the charge was made prior to the authorized billing date and after cancellation. I filed a dispute with PayPal on XX/XX/year> regarding this transaction. PayPal ruled in favor of the merchant. I subsequently appealed the decision twice, providing all supporting documentation, including : - The original signup receipt showing the agreed billing schedule - The merchants response confirming my cancellation date - The receipt showing the disputed charge Despite clear evidence that the charge occurred before the agreed billing date and after cancellation, PayPal upheld its decision each time without adequately addressing the timing discrepancy or the billing agreement terms. I believe PayPal failed to properly investigate and resolve this billing error in accordance with its obligations as a credit card issuer. I respectfully request that this matter be reviewed and that the {$96.00} charge be refunded.

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 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Mohela I am filing this complaint against MOHELA for unconscionable servicing practices, including unauthorized bank drafts, " call deflection '' harassment, and a failure to provide transparent accounting. 1. The " Paid in Full '' Error : On XX/XX/XXXX, I received a formal " PAID IN FULL CONFIRMATION '' from MOHELA after a final payment of {$11000.00}. I relied on this official document to close my records. MOHELA later claimed this was an error due to a misapplied third-party payment they entered on XX/XX/XXXX. 2. " Shadow Accounting '' & Disclosure Failures : Upon investigation, I discovered a major discrepancy. MOHELAs online ledger shows a credit and reversal on XX/XX/XXXX, yet my official PDF periodic statements for that timeframe omit these transactions entirely. This lack of transparency prevented me from detecting their error and violates basic disclosure requirements. 3. Breach of Agreement & Harassment : I reached a verbal agreement with a MOHELA representative to begin a new payment schedule in XX/XX/XXXX. MOHELA unilaterally reneged on this, declaring me delinquent for XX/XX/XXXX. Since then, I have been subjected to " call deflection '' ( automated calls with no person on the line ) at all hours, including Sundays. 4. Unauthorized EFT : Despite the loan previously being marked " Paid in Full, '' MOHELA resumed drafting payments from my bank account without a new, valid authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my experience with a creditor that I believe engaged in misleading and unclear communication, resulting in financial harm and unnecessary stress. Throughout my interactions with this company, I was not informed of all available options to resolve my account, including the possibility of negotiating a settlement. Instead, I was led to believe that making payments under their guidance would improve my situation and not negatively impact me further. Additionally, I was given assurances that my account or credit card would be reinstated upon payment. However, after complying and making payments in good faith, those assurances were not honored. The outcome was not only different from what was communicated to me, but also more damaging than I was led to expect. The representatives I dealt with were difficult to work with and did not provide clear, transparent, or accurate information. This lack of honesty and clarity caused significant anxiety, frustration, and confusion, and ultimately affected my financial standing. I respectfully request that this matter be reviewed, including the companys communication practices and the accuracy of the information provided to consumers. I would also appreciate any assistance in resolving this situation and addressing the negative impact it has had on 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 explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into a vehicle lease that is assigned to Ally Bank XXXX XXXX, which is identified in the lease as the lessor/assignee. At lease signing, the lease agreement disclosed and charged registration fees of {$250.00}, along with related registration service fees. In XX/XX/XXXX, I learned from the XXXX XXXX tax collector that the initial registration fees had not been remitted to the State of Florida, despite being disclosed and collected under the lease. I contacted Ally customer support and explained that the lease shows registration fees collected at signing and that those fees were not paid to the state. I requested that Ally, as the assignee and lessor on the lease, correct the issue by either remitting the unpaid registration fees to the Florida XXXX or refunding the fees already collected so I could pay the tax collector directly. The Ally representative stated that Ally only receives monthly payments, refused to remit or refund the registration fees, declined escalation, and directed responsibility to the dealer. Because the registration fees were disclosed and collected under an Ally XXXX and Ally is the assignee and lessor, Ally is responsible for ensuring those governmental fees are properly remitted. The issue remains unresolved.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, XXXX XXXX, a debt collection agency, unlawfully disclosed my personal and debt information to a third party with whom I have no legal or financial relationship. XXXX XXXX contacted my daughters father, XXXX XXXX, and sent him a text message containing detailed information about my debt, including the creditor name ( XXXX XXXX XXXX XXXXXXXX. ), the current creditor ( LVNV Funding LLC ), my home address, and the amounts allegedly owed. XXXX XXXX is not my spouse, not a codebtor, not my attorney, and was never authorized to receive any information about my account. This disclosure was not made for permissible location purposes and included specific debt details, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). By disclosing my personal and debt information to an unauthorized third party, XXXX XXXX violated my privacy rights and caused me emotional distress and embarrassment. I am requesting that this matter be investigated and that XXXX XXXX be required to cease unlawful thirdparty disclosures and take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX laptop from XXXX using my credit card issued by Wells Fargo. When I received the order, the item was not the product I purchased. Instead of the XXXX XXXX XXXX, I received a completely different and significantly lower-value XXXX laptop XXXX I attempted to resolve the issue directly with XXXX by contacting customer support and visiting a physical store. XXXX refused to accept the return, stating that I was returning the wrong item, even though the issue is that I was sent the wrong product. I then filed a dispute with Wells Fargo and provided supporting documentation, including proof of purchase and communications with XXXX. However, Wells Fargo denied my dispute without properly addressing the fact that the merchandise received did not match what was purchased. This is not a return policy issue. This is a case of goods not as described / incorrect merchandise received. It appears the bank relied solely on the merchants response and did not conduct a reasonable investigation into whether the correct item was delivered. I am requesting that Wells Fargo reopen and properly investigate this dispute.

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 2026-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
During the course of my CFPB complaints, I have repeatedly received correspondence signed by XXXX XXXX, XXXX Resolution Analyst. Based on publicly available records, this person does not appear to exist, and the actual employee holding this title is XXXX XXXX. The consistent use of an incorrect or misleading signature in official responses obscures the identity and accountability of the individual responsible for handling my complaints and undermines the accuracy and integrity of the companys communications. This conduct violates federal mortgage servicing requirements under 12 C.F.R. 1024.35 and 1024.38, which mandate that servicers acknowledge Notices of Error promptly, respond accurately, and maintain clear and truthful records. In addition, as the loan in question is a VAguaranteed loan, servicers are required under the VA Servicer Guide and VA Manual 263 to respond to borrower inquiries, maintain accurate servicing records, comply with federal laws, and ensure quality control procedures that allow borrowers to verify responses. Repeated failure to provide substantive responses over the past ten months, combined with mis-signed correspondence, undermines both RESPA error resolution requirements and VA loan servicing standards. Furthermore, this behavior may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the DoddFrank Act, as well as a violation of the California Consumer Financial Protection Law, which prohibits misleading or deceptive practices by mortgage servicers. The companys systemic procedural failures demonstrate a clear pattern of noncompliance, and I request that all future responses be properly signed, accurately reflect the responsible party, and fully address all Notices of Error submitted.

Company response to consumer: Closed with explanation