vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
Company texted me XX/XX/year> and the text failed to include a company name. This is a violation of the Fdcpa. When I called the company, they failed to provide verification of the debt and bullied and threatened me into paying a debt that I have not been proven to owe. The company called a voice mail number at my job on XX/XX/year>XXXX which did not contain a user name and left a message that was in violation of the fdcpa. The message included false information and was from a spoofed number.

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 2026-04-11 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am filing a complaint regarding my banks handling of a disputed transaction involving tickets purchased through XXXX for an event on XX/XX/year>XXXX that were never delivered to me. I purchased event tickets through XXXX with the understanding that they would be transferred to my XXXX account. The tickets were never received, and they do not exist in my XXXX account under my email address. I never accepted any ticket transfer and was unable to access or use the tickets in any way. XXXX has claimed that the tickets were delivered, however, neither XXXX nor my bank has provided verifiable proof that the tickets were transferred to my account. Specifically, no documentation has been provided showing : The recipient email address used for the transfer Confirmation that the transfer was sent to my correct email address Evidence that the transfer was accepted by my XXXX account Despite this lack of evidence, my bank has repeatedly denied my dispute and sided with the merchant. The bank appears to have relied solely on the merchants assertion of delivery rather than requiring objective proof. This situation involves digital goods, where delivery is easily verifiable through transfer records. If the tickets were properly delivered, there should be clear documentation showing transfer to my account and acceptance by me. That evidence has not been produced. As a result, I paid for goods that I never received and could not use. I believe this qualifies as services not rendered or merchandise not received under applicable consumer protection standards. I am requesting that the bank : Conduct a proper and thorough reinvestigation of this dispute Obtain and review actual ticket transfer records from XXXX and/or XXXX Require proof that the tickets were delivered to and accepted by my account Reverse the charge if such proof can not be provided If the bank is unable to produce verifiable proof of delivery to my account, it should not be permitted to deny this claim. This complaint is being filed due to the banks failure to meet its obligations in fairly investigating a dispute and protecting the consumer from an unverified merchant claim. I am requesting resolution and a refund of the disputed charge. Attachments available upon request : Screenshot of my XXXX account showing no tickets received Communication with XXXX Prior dispute correspondence with the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: HI

Complaint narrative:
I submitted a Request for Information ( RFI ) to my mortgage servicer under RESPA ( 12 C.F.R. 1024.36 ) on or about XX/XX/XXXX. I requested copies of the mortgage ( deed of trust / security instrument ), promissory note, all riders/addenda, and all provisions relating to insurance requirements ( including wind/hurricane coverage ), so I could verify compliance with lender-required coverage. After approximately 43 days, on XX/XX/XXXX, the servicer responded by sending a secure message attachment that was corrupted/inaccessible. I notified the servicer the same day that the file could not be opened and requested a re-send. No usable documents were provided. Since then, I have made multiple follow-up requests by email and telephone. On XX/XX/XXXX, I was told to be patient. On XX/XX/XXXX, I contacted the servicer again by phone and was told the documents would be emailed within two business days. Instead, I received repeated automated replies from an Insurance Department stating that my submission was missing or not in PDF format and instructing me to resend documents. These responses are non-responsive and misdirected because I am not submitting documents ; I am requesting that the servicer provide my loan documents. On XX/XX/XXXX, I received another secure message HTML file rather than the requested mortgage documents. While I was able to access a promissory note, it does not contain the contractual insurance requirements. The servicer has still not provided the mortgage/security instrument or the insurance provisions. As of XX/XX/XXXX, more than 115 days have passed since my original request. The servicer has failed to provide the requested information and continues to route my request to an automated intake system that can not respond to a RESPA RFI. This does not satisfy the servicers obligations under 12 C.F.R. 1024.36. Because the servicer has not provided the governing loan documents, I can not determine whether my current homeowners insurance satisfies the lenders requirements, including any requirement for wind or hurricane coverage. Resolution requested : Please require the servicer to provide complete, legible copies of the mortgage ( security instrument ), all riders/addenda, and all provisions relating to insurance requirements, in a standard, directly accessible PDF format, without requiring use of proprietary portals or registration systems.

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 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I PAID IN FULL through a Wire Transfer on XX/XX/XXXXXXXX to Select Portfolio Servicing from my bank account on last and FINAL payment for the Mortgage on my deceased Mom 's home, she died XX/XX/XXXXXXXX and Select Portfolio has yet to release the Security Deed on the home which is paid in full and per county records its still in their name as of today XX/XX/XXXXXXXX and the Home if mine and Paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my Macys credit card account, which is serviced by Citibank. I attempted to make a purchase at XXXX, but my card was declined twice. I immediately called the number on the back of my card and provided all requested verification information, including my Social Security number, name, address, and the purchase amount. The representative instructed me to try the transaction again, but it was declined a third time. I was then told the issue was with the merchant, not my account. I attempted the purchase at a different register, and it was still declined. The representative then advised me to use another form of payment. I later attempted to use my card at a different store and was declined again. When I called back, I was informed that my account had been flagged for fraud and that my address had been changed during my earlier call. This is extremely concerning. If fraud was suspected, I do not understand why any changes would have been made to my account in the first place. When I clarified my correct address, I was told it matched what was already on file. Despite verifying my identity, I was told the only resolution was to wait 710 business days to receive a verification code by mail. This is unacceptable. This is not the first time this has happened. I previously experienced a similar issue where my account was flagged for fraud related to my address, even though all activity was legitimate. On both occasions, I was the person making the purchase and proactively contacted customer service. As a customer who pays on time and has never defaulted, I find it unreasonable that I can not rely on my credit card for purchases. Being repeatedly locked out of my account without clear justification or immediate resolution undermines my trust in your services. Additionally, being told to wait for a mailed codewithout any alternative verification optionsis highly inconvenient and does not meet reasonable customer service standards. I am requesting : A clear explanation of why my account continues to be flagged incorrectly Immediate review of my account restrictions A more efficient and reliable verification process that does not rely solely on mailed codes Assurance that this issue will not continue to occur in the future This situation has caused significant inconvenience and frustration. I expect a timely response and a meaningful resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a denied fraud claim on my Wells Fargo account. Unauthorized transactions totaling approximately {$380.00} were made in XXXX XXXX, CA using a debit card that I never received in the mail or activated. At the time of the transactions, I was located in XXXX, California, and did not authorize or conduct these transactions. I have no activity on my account immediately before or during the fraudulent charges, which further supports that this was not me. I submitted a police report as requested, yet Wells Fargo denied my claim again without providing sufficient explanation or evidence. Under the Electronic Fund Transfer Act ( Regulation E ), I am requesting a reasonable investigation, reimbursement of the unauthorized transactions, and documentation of how this decision was made. I am requesting that Wells Fargo reverse the charges and provide all supporting evidence used in their denial.

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 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Request for Method of Verification ( 15 U.S.C. 1681i ) To Whom It May Concern, I am writing in response to your recent investigation results regarding my prior dispute. You stated that the following account was verified as accurate :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
im complaining that synchrony bank closed my both accounts i had with them with no reason, my credit is so good i never had any late payments i always paid them on time my credit report is very good so there is no reason they closed my both accounts the one is XXXX XXXX, and the other is XXXX XXXX. closed date is XX/XX/year> i called them 2 times and asked what was the specific reason they closed my accounts and they did not provide me any reason and i asked them if they could reopen them they said they don't reopen closed accounts, so please help me to reopen my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: DE

Complaint narrative:
I disputed a {$300.00} charge from XXXX XXXX ( XXXX XXXX XXXX ) dated XX/XX/year>. During my stay on XX/XX/year>, I experienced a diabetic medical emergency. My partner informed hotel staff and requested urgent room access to bring me sugar. Staff maintained normal verification protocol for approximately 13 minutes despite being told a guest with XXXX XXXX XXXX was in an active emergency upstairs. No emergency assistance was offered. I attempted to resolve this with the hotel through 9 documented contacts over one month. The hotel 's counsel held one call, said the matter would be discussed internally, then stopped responding. I filed a dispute with Capital One. The merchant responded claiming I was responsible for the charge. Capital One then requested additional information from me. My first submission was denied. I called Capital One and was transferred between multiple representatives and departments. None of them could tell me exactly what was missing from my submission. I was given only general advice on what to include and was told I should resubmit and date it. I resubmitted based on that guidance and was denied again within approximately 30 minutes, outside the Transaction Support Center 's listed hours. I also received additional emails much later that night stating that the merchant dispute was closed, even though I had already received denial letters earlier that morning before the Transaction Support Center opened. This made the timeline and status of the case unclear. Because I was confused, I submitted again with a detailed letter and six exhibits directly addressing every item Capital One requested. That was also denied within minutes, again outside business hours. I submitted multiple times and stopped after repeated denials with no meaningful explanation. Each denial uses the same general template stating my response lacks the requested information but never identifies what specifically is missing or why my documentation is insufficient. There is no itemized explanation of what Capital One reviewed, what it found deficient, or what additional evidence would satisfy the dispute. It appears that when the merchant pushes back, Capital One sides with the merchant without meaningfully weighing the documentation I provided. The process does not feel like a genuine investigation. It feels like a formality where the outcome is predetermined once the merchant contests the chargeback. Capital One provides no accessible way to discuss the substance of the case. The support number connects to representatives who can only give general information, can not explain the basis for the denial, and transfer you between multiple people without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've made many complaints and at this point the company XXXX XXXX that I'm complaining about continues to be very manipulative disrespectful and belittling the response for my last complaint was they will no longer respond to my complaints because they're irrelevant I gave them a complete description of exactly what happened as well as a referred valid and credible responding agency that actually witness and took part in this particular scope of transactions at this particular branch that led up to me being wrongfully imprisoned and falsely accused of manipulous actions such as having my integrity stripped away from me as well as my identity and the bank violating my rights if the bank told me when I open up my account that they would take my identity and give it to someone that they felt like was fun or cool and we to this day don't have proof that they don't know the person they gave my identity to I mean they don't want to take any responsibility and I just feel abused and every time I say something to them about it they continue to write me and agronizing letters showing me that I'm nobody to them and I'm tangible and nothing I mean nothing to anyone they just continue to write me responses that made me look XXXX but in all nationality the last response that I put in for my complaint was very detailing and it erased a lot of the curiosity and a mission in animosity that they were carrying because they didn't know that this particular situation was a ongoing matter that never got addressed by the real affiliation or the real individuals that were actually involved in the conversation of getting the identity back and get in the research they didn't sit down and analyze everything and we have these people in their corporate office which is at the Wells Fargo Bank they look over all of the complaints and reply to them but whoever is doing the job of researching what transpired has not done the job of researching what transpired and because of that they continue to be little to the customer and they continue to abuse me for actions that I had absolutely nothing to do with

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 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
THIS DEBT DOES NOT BELONG TO ME IT BELONGS TO MY MOTHER WHO SIGNED THE LEASE AND SHE SAID SHED TAKE CARE OF IT MY MOM AMD I HAVE BOYH REQUESTED INFO FROM THIS COMPANY THEY REFUSE OR HANG UP WE WERE MEVER TOLD WE WOULD BE CHARGED AFTER WE MOVED OUT AND I WAS SENT TO A MENTAL INSTITITION BECAUSE OF THE HARRASMENT AND ABUSE FROM THEM AND THEIR FACILITY THEY NEVER INFORMED US OF A LEASE ENDING FEE OR ANYTHING OF THE SORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an ongoing and unreasonable restriction placed on my account which has resulted in a total loss of access to my funds. Despite my proactive attempts to resolve this through your standard customer service channels, your department has refused to provide a timely resolution and has instead insisted on a physical mail verification process that is entirely inconsistent with modern banking standards and my immediate financial needs. On XX/XX/year>, my card was blocked for alleged fraud. I immediately contacted Citibank support on to rectify the situation. During these interactions, your representatives stated that the block can not be removed until I receive a physical letter via the United States Postal Service. Even though I offered to provide government-issued identification, participate in biometric verification, answer personal questions these reasonable alternatives were categorically denied. This refusal to offer an expedited or digital verification method is creating a significant and undue financial hardship. By effectively locking my capital for the duration of a XXXX to XXXX business day mailing window, Citibank is preventing me from meeting essential financial obligations such as paying for upcoming work expenses scheduled for XX/XX/XXXX through XX/XX/XXXX, and to pay for personal expenses that I was attempting to pay when my card was blocked. This rigid reliance on physical mail, while disregarding secure and instantaneous digital verification options, is a failure of service that borders on an unfair and abusive banking practice. I want to highlight that one of the officers who assisted me told me that if I could not pay withi this card for my work expenses then I should use another card, which I found completely disrespectful.

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 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: WA

Complaint narrative:
Hunter Warfield Inc reported a {$49000.00} collection account against me to XXXX XXXX XXXX in XX/XX/XXXX. This is illegal. My case is actively under appeal in XXXX XXXX XXXX XXXX XXXX I Case Number XXXX accepted XX/XX/XXXX. The debt is legally unresolved and can not be reported as a final collection while appeal is pending. XXXXXXXX XXXX XXXX XXXX XXXX attorney received the appeal acceptance papers before Hunter Warfield reported. Despite knowing the case was under active appeal they reported in XX/XX/XXXX and have continued reporting every single month for XXXX consecutive months. Hunter Warfield never sent me a debt validation notice before reporting violation of FDCPA Section 1692g. I sent certified dispute letters to Hunter Warfield and all three credit bureaus on XX/XX/XXXX via certified mail. No response received. I demand immediate deletion from all three credit bureaus. XXXX XXXX

Company response to consumer: Closed with explanation