vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding a missing credit card rewards benefit associated with my Citi / AAdvantage XXXX XXXX credit card. This card offers a {$120.00} XXXX XXXX XXXX Discount certificate after the cardholder spends {$20000.00} or more in purchases during the cardmembership year and renews the card for the following year. I met the spending requirement and renewed the card. The benefit is still displayed in my Citi account benefits page, confirming that I am eligible for the reward. Citi customer service also informed me that the {$120.00} XXXX XXXX certificate was issued in XX/XX/year>. However, I never received the actual certificate information. I did not receive : * any email containing the certificate, * any physical mail, * any certificate number or PIN, * any redemption instructions, * or any reward information within my XXXX XXXX AAdvantage account. I carefully reviewed my email records, my Citi account, my AAdvantage account, and my monthly credit card statements, and there is no certificate or voucher information available anywhere. I have already spent significant time contacting both Citi and XXXX XXXX customer service. Citi states that the reward was issued, while XXXX XXXX states they need confirmation or certificate information from Citi before they can assist further. As a result, I have been repeatedly redirected back and forth between the XXXX companies without any resolution. At this point, the reward appears to have been generated internally but never successfully delivered to me, leaving me unable to redeem a benefit that I legitimately earned through the cards rewards program. I am requesting that Citi investigate this issue and provide : * the certificate number and PIN, * the issue date, * the expiration date, * and any available redemption information associated with the {$120.00} XXXX XXXX reward. If the original certificate can not be located due to a system or delivery failure, I request that Citi provide an appropriate resolution or replacement for the missing reward benefit.

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 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United American Mortgage Corporation
State: CA

Complaint narrative:
I am a borrower scheduled to close on a home purchase today XX/XX/XXXX. The lender issued an approved Closing Disclosure which we signed on XX/XX/XXXX. However, at the signing table yesterday XX/XX/XXXX, the final documents brought by the notary showed a roughly {$26000.00} increase in the cash to close and about XXXXmonth payment spike. We called the loan officer and when he looked into the difference he admitted via phone call and then text message, that the {$26000.00} spike was due to an internal clerical error involving a misplaced realtor credit. We found the difference for the monthly payment was due to miscalculations in property taxes and home insurance escrow lines. The lender 's professional negliglence has halted my closing, and me losing my {$20000.00} earnest money deposit tomorrow. I request immediate regulatory intervention to force the lender to review their tolerance limits, correct the clerical error, and shield me from losing my deposit. The cash to close needs to be revised to reflect the amount that I had signed back in XX/XX/XXXX. The lender is not willing to help, and has stated the signed closing disclosure is not binding

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
As suspected, UWM paid my home insurance early, and AFTER granting the waivers, to cause a shortage for the purpose of rescinding my escrow waivers. I confirmed verbally multiple times that the waivers had been granted and I did receive a phone call notifying me of such by a UWM mortgage manager at least a week PRIOR to UWM prematuredly issuing my home insurance premium payment. UWM it's now demanding money from me to " consider reviewing and regranting '' the waivers that they had already granted, then ignored, the rescinded. My health continues to fail. Please release my escrow accounts. This company should not be managing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint to report an active, ongoing violation of the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX and XXXX ) by Wells Fargo regarding my Personal Credit Card ( XXXX ) and XXXX Card ( XXXX ). Despite having multiple active CFPB complaints currently under investigation regarding their predatory tactics, Wells Fargo is deliberately engaging in XXXX Harassment against my family members to extort federally exempt funds. THE FACTS : I am a permanently XXXX, judgment-proof senior whose sole source of income is protected Social Security XXXX XXXX XXXX XXXX ). Wells Fargo had full, prior written knowledge of my permanent XXXX and exempt XXXX status well before and during the time they secured their {$8100.00} Abstract of Judgment. Credit card debt is strictly unsecured ( no collateral ). Because my only income is XXXXIwhich is federally protected and legally off-limits for XXXXWells Fargo knows they can not legally garnish my funds. Therefore, their ongoing campaign to physically locate me is a malicious harassment tactic designed purely to intimidate me into surrendering protected XXXX money. I explicitly notified Wells Fargo in writing ( dating back to XXXX ) of my highly sensitive living arrangement. I stated that my mailing address ( XXXX XXXX XXXX XXXX, XXXX, CA ) is NOT my property, but the private residence of my sister-in-law. I explicitly restricted this address as a " XXXX XXXX '' strictly for essential government communications. Wells Fargo has active, working email addresses for me, and successfully sent digital acknowledgments to my email accounts on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite having digital access, Wells Fargo deliberately bypassed email and mailed physical letters to my sister-in-law 's restricted private residence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. THE LEGAL VIOLATION : By intentionally bypassing available digital communication to send physical mail to a restricted third-party residence, Wells Fargo is willfully violating : 15 U.S.C. 1692c ( a ) ( 1 ) : Communicating at an unusual time or place known to be inconvenient. 15 U.S.C. 1692c ( b ) : Communicating with third parties regarding a debt without explicit consent. 15 U.S.C. 1692d : Engaging in conduct the natural consequence of which is to harass, oppress, or abuse any person. This is a calculated physical tracking tactic ( " pinning me to the map '' ) to extort exempt XXXX funds. It is actively disrupting the tranquility of my sister-in-law 's home and exacerbating my severe, documented medical trauma ( 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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I pulled my credit report and there is a collection sitting on it from IC System Inc for an alleged XXXX XXXX XXXX, and I have never had any kind of agreement, contract, or business relationship with IC System. I never signed anything with them, never opened an account with them, never received a notice from them before they hit my credit file. The first time I ever knew they existed was the day I looked at my own credit report and saw their name attached to a debt they claim is mine. On XX/XX/year> I mailed IC System a written debt validation request asking them to actually prove this. I asked for the original signed agreement, a full itemized accounting from the original creditor, the chain of assignment showing they have the right to collect this, proof of their authority to collect in Pennsylvania, and the notice of assignment that should have been sent to me before this ever touched my credit. I gave them 30 days to respond in writing. That window has closed. They have not sent me one single document. No contract, no signed agreement, no accounting, no assignment paperwork, no validation of any kind. Complete silence while the account keeps sitting on my report. On top of refusing to validate, the way they have this account reporting is suspicious on its face. It shows up on XXXX as a Collection that was opened on XX/XX/year> with a Date Last Active of XX/XX/year>, like the debt itself just appeared out of thin air last month. There is no payment history, no comments, no monthly payment, no past due field filled in. The account just materialized with a {$370.00} balance attached to my name and nothing behind it. If they can not even tell me where this came from, they have no business reporting it as if it is a verified obligation. The damage from this is real and it is happening every time someone pulls my credit. This account is dragging my score down and blocking me from things I need while IC System sits back and ignores a federal 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 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I booked an XXXX flight through Capital One XXXX using my Capital One credit card. The Capital One XXXX reference number was XXXX, the XXXX confirmation code was XXXX, and the ticket number was XXXX. The refund issue relates to XXXX return flights XXXX, XXXX, and XXXX on XXXX XXXX XXXX XXXX confirmed that a refund was completed under case number XXXX for USD XXXX. However, the refund was not credited back to the Capital One card I used for the purchase. Instead, XXXX refund confirmation shows that the payment was made to a XXXX card ending in XXXX, which appears to be a virtual or agency card connected to Capital One XXXX. I contacted XXXX, Capital One XXXX, and Capital One through the dispute process. I requested information about where the refund went, whether Capital One XXXX received it on its virtual/agency card, and when it would be credited back to my account. Capital One/Capital One XXXX XXXX not provide a clear refund trace, did not explain where the refund settled, and did not apply the USD XXXX credit to my account. I am requesting that Capital One locate the refund issued by XXXX, confirm whether it was received through Capital One Travels virtual or agency payment method, and credit the USD XXXX refund back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

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 you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a deposit at their faulty ATM machine, which took all my checks and would not return them nor would they process. When I went to the bank, they told me that I will not get that money deposited unless I knew exactly how much each check was that I deposited. I dont have this information because I deposit up to XXXX or XXXX checks per week. They then told me I will never see that money which is several XXXX dollars. This is unacceptable that they have my checks yet are not depositing them into my account nor are they willing to open the ATM and retrieve my checks for me. I am now out several XXXX dollars.

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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: MD

Complaint narrative:
InDebted USA Inc is attempting to collect on a debt that is currently in dispute with the business responsible for payment of this debt ( XXXX XXXX ) and their financing partner ( XXXX ). XXXX XXXX contractually guaranteed timely payments to financing partners ( XXXX ) upon joining a tech training program. They did not make such payments. I requested a cancellation from the program before the first installment payment was due. XXXX XXXX refused. What you're looking at is a business model built on broken promises and deliberate entrapment. I've contacted XXXX on multiple occasions informing them of this breach of contract by XXXX XXXX. The financing partner ( XXXX ) is now pursuing this debt through a collection agency ( InDebted USA ). Documents attached, including the contract obligating XXXX XXXX, have also been presented to the CFPB in complaints against both XXXX and XXXX. Further actions will be taken if a satisfactory resolution is not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I deposited in my Chime account through my daily earned wages {$150.00} of which {$100.00} went to a " XXXX XXXX '' account and the rest of that to a checking account. While waiting in line at a XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX decided to check my balance to make sure everything was in order as far as the funds being allocated to correct accounts. I recognized that a few minutes prior that there was a {$40.00} ATM withdrawal at XXXX. The Merchant Name was " XXXX XXXX '', Category was " Cash Withdrawal '' and the Description was " XXXX XXXXXXXX XXXX XXXX . I called Chime instantly and gave them all this information and was told the " investigation '' process would be done by XX/XX/XXXX. On XX/XX/XXXX, they claimed that the " investigation '' was complete and no error was found and then increased my daily withdrawal amount. I would like to point out that there was not any actual " investigation '' being done! A few minutes prior to the unauthorized withdrawal I made a purchase at a XXXX XXXX which was nowhere near the XXXX on XXXX XXXX XXXX. In fact, that XXXX is at least 30 minutes away so no possible way for me to make it there nor have I ever made any transactions at that location. Also, its XXXX how can they not have access to review the ATM camera to see who actually did this?! So NO actual " investigation '' was done. More importantly, whoever is in charge of these investigations is clueless! If I reported that unauthorized funds were being withdrawn from my account, why would you increase my daily withdrawal limit!? I have made many deposits resulting in thousands of dollars and I get that it is only {$40.00} but the actual nonsense being done by whoever is in charge of these " investigations '' must be reported. A complaint was filed with XXXX and they still replied with " no error occurred ''. I then looked further into XXXX and the complaints filed against Chime is for the same exact reason I am complaining about and they still act completely unapologetic for their incompetence to resolve this issue. Here is the simple search on majority of their complaints : " Common Customer Complaints Against Chime The vast majority of customer disputes filed on Chime 's XXXX Business Profile center around three recurring issues : Denied Fraud and Chargeback Claims : Many users report that Chime closed investigations into unauthorized account transfers or debit card charges within 24 hours, concluding that " no error occurred ''. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'I have no knowledge of these debt . I have experienced hardship pertaining to this debt. I was a victim of identity theft.\n.XXXX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
I requested verification of the debt owed, and disputed the debt on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My wallet was stolen and used and I filed a dispute towards the beginning of the month. I was told I would get a provisional credit within XXXX business days and here we are at the end of the month and they havent made and decision and I havent received my provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have an account online with Marcus Goldman Sachs. The account had a CD which matured today - XX/XX/year>. I had provided instructions to transfer the funds to my checking account at a different bank. When I logged on to my account today to review the documentation the web form displayed " You currently don't have any active Marcus accounts and the " Latest Transactions '' panel displayed " No transactions in the last 90 days ''. The only document available online was my XX/XX/year> statement. I called their support line and the call center agent told me the funds had been transferred to my bank as requested. When I asked why there was no transaction documentation on my online account the answer was along the lines of " that's not the way our system works '' and " it takes awhile for the funds to show up on your bank statement. '' I escalated the call to the next level of support and the answers were unchanged : '' We don't provide any transaction information on a matured CD. They did offer to mail a statement to me. I think the situation can fairly be summarized as they executed a banking funds transfer transaction in an online account but stated in the account dashboard that there were no transactions in the last 90 days because " that's the way our system works. '' Or, more succinctly, " trust us- we sent your money to your bank ''. I have online accounts with other banks and others financial institutions and- without exception- they provide full transactions details. The Marcus Goldman Sachs approach is seriously flawed in this regard and consumers should be made aware of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation