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 — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is the XXXX claim on Citi Bank XXXX XXXX. The second one I had to close because there was more information to add. CFPB representative suggested closing and then open a new one with additional information. The second claim XXXX. Citi bank XXXX responded to me from my second claim on XX/XX/XXXX. That person, XXXX called at XXXXXXXX XXXX XXXX message was to call back and given a phone number, but no ext number.No one answered. Do not have a name on the correspondence received on XXXX XXXX via email. I will attach that letter, and the XXXX bank statements received with that letter. I returned my response same day, saying they still did not answer the question to why there is duplicate purchase amount and I have been asking this question to be answered. XXXX XXXX purchase was XX/XX/XXXX and they listed this amount again under a new plan number with no purchase on statement for XX/XX/XXXX XXXX. I will attach that too. Seems to me they moved plans around, meaning change plans numbers and when some were changed the balance wasn't the same it was more. or sometimes gone but showed up on the statement the following month. We received what I call harassment phone call for XXXX days, over XXXX call saying we missed a payment. I purposely did not pay the minimum amount on the second XXXX was not explained in the last XXXX months! Not for lack of trying and calling them. I paid what I owed on all of the Plans we owed on, the monthly amount ( not on the XXXX XXXX ) which equaled XXXX I then made the mistake and paid them the minimum amount XXXX, now I have overpaid but didn't want to affect my XXXX XXXX and to stop the calls!. NO purchases of course. Also I feel we are owed money. Come to find out they doubled billed us the fee to have the XXXX plans, and was in the total individual XXXX plan payments each month as well. Citi supervisor returned XXXX on paying twice. They have the recordings of our calls they should check those to see who didn't bother doing anything and who messed up our plans by moving them around and what was asked of them. XX/XX/XXXX reply from Citi on my response to the letter received on XX/XX/XXXX, will upload.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I was targeted by a highly aggressive, spoofed bank impersonation cyber-scam. A perpetrator called me pretending to be a representative from XXXX XXXX 's security department using fake credentials ( XXXX XXXX, badge number XXXX ) .Using severe high-pressure panic tactics, the caller claimed my financial accounts were breached. Under extreme duress, and believing I was securing my funds with my bank 's fraud team, I was coerced into transferring my money via my debit card into my digital wallet accounts, including XXXX Pay Cash and Cash App. The scammer stated the funds would be immediately applied to a secure 'new account number ' which I would see shortly. This was a lie ; the XXXXnew account ' does not exist.According to account notifications, the stolen funds were immediately moved and liquidated via an unauthorized instant ATM withdrawal at a Winn-Dixie location in XXXX, Florida.I have already taken immediate action to report this cybercrime to multiple entities : I filed an official police report with my local law enforcement agency near New XXXX XXXX XXXX FL XXXX under Police Reference Number : [ Insert Your Police Number ] XXXX have opened an official fraud dispute with the Regions Bank Fraud Hotline.I have opened an official escalation and fraud dispute with Apple Pay Support under Case ID : [ Insert Your Apple Case ID ] XXXX have filed an official cybercrime report with the FBI 's Internet Crime Complaint Center under FBI IC3 Complaint ID : XXXX am requesting that the XXXX compliance departments launch a formal investigation into these transactions, freeze any associated recipient credentials, and cooperate fully with federal investigators to review physical ATM surveillance footage from the XXXX liquidation site. I am seeking a full regulatory review for fund recovery under consumer protection guidelines.

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 — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
You have sent half of the money back but what about the first half. You admitted fault by sending the first half back so clearly the second half needs to be returned as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On the XXXX of XX/XX/year> I sent a wire transfer from my XXXX XXXX checking account to Wells Fargo {$4000.00}. The individual did not receive it and had a problem with collecting it. On XX/XX/XXXX I send a return request from XXXX XXXX to Wells Fargo to return the {$4000.00} to my checking account. It has been right now a month I can tell you that XXXX XXXX has sent over XXXX requests for updates to Wells Fargo Bank on the status of the return and heard nothing from them. Wells Fargo is sitting on my money I need them to turn the money loose and send it back to me so that I can have it to pay some bills with. I have been to the local Wells Fargo branch not far from where I live and inquired with them of the status of my money they said that it did show being posted but that's it. I don't know what's going on Wells Fargo but some reason they are reluctant to send me my money back and I need my money. Any assistance you can give me and getting them to finish this and not take another month and I have to do it would be appreciated. If you need to contact me the best way to contact me would be by phone my cell phone number is 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: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> Went to branch and asked for account to be closed, was told it would be, it was not. Called the support line in XXXX and explained and asked to have the account closed, was told I owed fees, I again explained the situation where I had been paying fees each month because the account was not closed as requested and I wanted fees to stop and account closed. Chase again told me they would close the account, provide documentation and return fees, I verified my address with them to mail documents to, and AGAIN for XXXX I am receiving NFS notices and fees owed as the account STILL remains open. The entire reason for closing the account is failure to correctly pay my mortgage payment as scheduled, inability to assist in how to use their app and NOW they can not reliably close the account, and can not seem to provide steps to close this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Have XXXX Credit cards owned by Commenity capital Bank. A XXXX XXXX and XXXX. They have harassed me many times using private phone numbers to call me. XXXX told them multiple time to call me from a direct line and they said " its their system '' and " they have no control over it '' The dates are very long cause they have called me so many times. But I would like to provide screenshots of the calls. Which are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Around XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requesting payment for a XXXX loan debt on the behalf of Harpeth Financial Services , LLC d/b/a Advance Financial. Having not taken out a loan in the last couple years, I discarded the letter as phishing/scam mail and tossed it but not without taking a photo just in case it came up again. Fast forward to XX/XX/year>, an officer showed up at my door to serve me a civil summons. I was not present, but talked to him on the phone while my wife dealt with him at home. I agreed to let him serve my wife the papers and proceeded to verify the identity of the officer with the XXXX XXXX XXXX Department. Upon verification, I reached out to XXXX XXXX XXXX and opened up a stolen identity case, filed an Identity Theft Report through the Federal Trade Commission, and a police report through the local XXXX XXXX Police Department. I called the Law office twice and talked to a receptionist, and he noted I called and denied the debt on his records. I have now worked in tandem with XXXX XXXX XXXX and have have reached out to Advance Financial and will reach back out to the law firm on XX/XX/XXXX with guidance from my XXXX Case Agent. I will also be freezing my credit on all the credit bureaus we can think of, and continue to file complaints, freezes, and protections as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Transworld Systems Inc. ( TSI ) was assigned a debt originally owed to XXXX. TSI contacted my employer and sent documents containing my personal debt information to my workplace without my consent and without a court judgment. I am a XXXX employee of a government contracting company working on a federal installation. This unauthorized disclosure has jeopardized my employment and professional reputation. TSI also added collection fees not authorized by my original agreement. XXXX has confirmed the account can be recalled from TSI. No court judgment exists against me. TSIs contact with my employer has caused significant stress and potential harm to my employment situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I believe my credit has been effected negatively by account I do not recognize. Account name : Dept of education/neln Date opened : XX/XX/XXXX with a balance of $ XXXX XX/XX/XXXX with a balance of $ XXXX XX/XX/XXXX with a balance {$6100.00}

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was misled into applying for this card on the XXXX website. I was trying to find the best price for a hotel room and went to the check out screen on the XXXX website to see the total with taxes and fees. On this screen I was presented with an exclusive offer saying if i apply for an XXXX ( Chase ) credit card I will get {$150.00} off my booking. No other details were provided just a button to apply now. This offer made XXXX the best economical choice for my booking at the time so I applied and was immediately approved. Had I not been presented with this offer I would have went with a different hotel. The new approved card did not automatically get pulled into or linked to the checkout on the XXXX website to be charged. Therefore my booking could not be used to satisfy the cards rules to qualify for the {$150.00} credit. I had no way to use the new card to pay for the booking because it didn't come in the mail until after that hotel stay was over. Immediately after being approved I called Chase support and the agent told me that it was a KNOWN ISSUE and that my card would arrive prior to my hotel stay ending so that I could use it BUT that information was false and the card does not arrive until the day after my hotel stay ended. Chase told me I have to charge more money on the new credit card in order to get the {$150.00} credit. I am very selective on what I charge on credit cards and I will not be forced to make more charges. The offer promised if approved I would get {$150.00} off that booking and they is what I want. It isn't my fault their system doesn't work. I made the booking and incurred the charges and now Chase must apply a {$150.00} credit to my new card. They are perpetrating FRAUD on consumers. I am not spending another dime to get what is owed to me. Chase messed up and they will be honorable and fullfil their obligation.

Company response to consumer: Closed with monetary relief
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am filing a formal complaint against Bank of America for a total failure to properly investigate a billing error under the Fair Credit Billing Act for 'Services Not Rendered. I booked a hotel room through XXXX for a XXXX XXXX for {$72.00}. On Saturday, XX/XX/XXXX, after driving XXXX hours straight, I arrived at the XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Upon arrival, I discovered the building had a severe cockroach infestation and was legally uninhabitable. To protect my health and safety, I chose to sleep in my rental car. I never checked in, never accepted a key, and never signed a registration card for this XX/XX/year> reservation. The service was completely unrendered.When I called Bank of America to dispute the charge, I explicitly told them I authorized the transaction but refused the room because it was uninhabitable and I never checked in. Bank of America denied the dispute, claiming the charge was 'valid ' simply because I made it. They completely ignored the basis of the dispute ( Services Not Rendered ) and are now demanding the temporary credit back.This is the second XXXX Bank of America has failed to look at actual dispute facts. Previously, they denied a blatant double-charge where the merchant provided the exact same receipt twice, forcing me to appeal to get human eyes on it. Bank of America relies on automated denials instead of investigating merchant breaches of contract.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Filed a dispute on a {$300.00} charge from safety center on checking account ending in XXXX. Dispute was settled in my favor and {$300.00} credit was issued on XX/XX/year>. Upon attempting to transfer dispute credit the account ending in XXXX would not allow transfer. I contacted Capital One and spoke with a representative who verified my identity by having me log into my app and verify it was me. She then proceeded to lift a freeze from the account and advised me to transfer the {$300.00} credit to my primary account which I successfully did. This was at approximately XXXX XXXX on XX/XX/year>. At XXXX XXXX on XX/XX/year> I checked account and the {$300.00} I transferred had been transferred back to the account XXXX not by me. When I called to inquire about this Capital One had no answers and no resolution. So, they basically stole {$300.00} from me as I never received any service from disputed company. Also I contacted the company safety center and they stated Capital one took their {$300.00} back already so they are committing fraud by withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: PA

Complaint narrative:
I was attending XXXX from XXXX of XXXX until roughly XXXX of XXXX when they shut down. I used climb to cover the costs which were {$8900.00}. They also charged interest. I tried getting a refund in XXXX of last year and now again Im trying to get my payments to cease due to the school closing. They are being very difficult to work with. Obviously devslopes was a scam but I no longer want to make payments on something Im not getting the use out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
I have been struggling to pay my loan and the issue is empire finance in XXXX XXXX called my employer and told them who they were and that I owe them money and need to call them immediately because after today it's out of their hands. That is illegal and embarrassing!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
They didn't disclose that I would be paying XXXX a month for 5 years! And nothing will be coming off my loan into XXXX! Unless, I pay more then XXXX dollars a month. I am retire and work part-time .. they new my income. Failed to disclose the fact of payments and interest. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2026 I contacted ShellPoint Mortgage to get the pay off quote emailed to me since my house is under contract. I was told because I was in XXXX XXXX it may take a day or two longer for me to get it. I started calling a week later to get the status, one call I was told it was in process, the next the same thing, I was then told it was done and emailed to me, which is was not. When she transferred me to the bankruptcy department I was told it was not complete yet and to call again the next day. I did and was told it wasn't ready yet, I called again today and was told the same thing. This is beyond the acceptable time frame to get a simple pay off quote. I do not want to lose the sale of my house so I can get out of the bankruptcy. The attached document shows Shellpoint was notified via electronic mail that the courts approved the sale of the house. They claim they did not receive anything from the courts. I did also see that they are charging me for homeowners and flood insurance when I already have that and pay monthly for it. They are also trying to charge me for lawyers fees, when they should not be since I am protected by the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I went and deposited XXXX $ to make my payments to my XXXX account as well as my XXXX loan. I successfully made XXXX payment to XXXX which was past due and then CashApp decided that it was fraud and continually blocked all transactions with XXXX. Which forced me to do an instant withdrawal to avoid late fees on the other payments i owed with XXXX, which of course, incurred transfer fees all because the app would not let me dispute the " suspicious activity ''. I made XXXX phone calls with CashApp before i could even get a supervisor on the phone, verified multiple times with multiple agents, Not XXXX single agent could provide me with why it was flagged when you can clearly see on my account i pay these people regularly, Nor could they provide me a solution. CASHAPP 's own AI help says that you can dispute in the app, however the only option given is to block the merchant, which XXXX no, cause i got ta pay my bills.

Company response to consumer: Closed with explanation