vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: NY

Complaint narrative:
My income reduction to {$1400.00} is temporary until XXXX, when my employment with the school district regroups with full hours and overtime. XXXXXXXX XXXX is refusing to offer me a short-term FHA Special Forbearance or adjust my timeline, and is instead threatening foreclosure within 30 days based on an unsigned XX/XX/XXXX plan. This violates HUD servicing guidelines for seasonal and school-system employees facing temporary income fluctuations.

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 2026-07-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a promotional purchase offer that I activated on XX/XX/year>. Under the terms of the promotion, I was required to spend at least {$600.00} on eligible purchases outside of Bloomingdale 's by XX/XX/year>, in order to receive a {$60.00} statement credit. I met the requirements of the promotion by spending approximately {$740.00} in eligible purchases before the XX/XX/year> deadline. According to the promotional terms, the {$60.00} statement credit was to appear on my XX/XX/year> billing statement. However, I did not receive the promised credit. When I contacted customer service to inquire about the missing statement credit, the representative incorrectly stated that I had spent only approximately {$400.00} during the promotional period. This information is inconsistent with my account records and transaction history, which clearly show that I exceeded the required {$600.00} spending threshold. I requested to speak with a supervisor to resolve the matter. Instead of receiving assistance, I was placed on hold for nearly an hour without any meaningful resolution. I believe this constitutes a deceptive business practice. I fulfilled all of the promotional requirements, yet the promised statement credit was not applied to my account. Additionally, I was provided inaccurate information regarding my qualifying purchases and was denied timely assistance when I attempted to escalate the issue. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the company to honor the promotional offer by issuing the promised {$60.00} statement credit. I also request that the company review its customer service practices to ensure that consumers receive accurate information regarding promotional offers and are provided with timely assistance when disputes arise. I have attached a copy of the XXXX statement showing the spending. I also attached a copy of the offer itself.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have reached out on multiple different occasions though credit bureaus, mail, and over the phone since XXXX for them to complete their pay to delete agreement on the account, but have reputedly been denied as if it was a good will request or place on incessant hold to no avail.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2026 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXmount : I C SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX$3600.00} To whom it XXXX concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
COMPLAINT NARRATIVE : I am filing a formal complaint against Monterey Financial Services, LLC ( MFS ) for deceptive billing practices, hidden fees, and failure to process a contractually paid consumer protection program. MFS serves as the loan servicer for my contract with XXXX XXXX XXXX XXXX ( MFS Account # XXXX / Contract ID # XXXX ). On XX/XX/year>, MFS altered my online portal ledger to show a status of " WRITE OFF '' with a negative balance of - {$6500.00}. Relying on this misleading system information, I contacted customer service within my 30-day window to request activation of the Debt Protection Programa consumer protection plan that I actively pay for under my contract terms due to severe medical issues. MFS completely ignored this request and failed to provide hardship documentation. Furthermore, a customer service representative incorrectly told me " nothing had changed, '' causing me to make a payment in XX/XX/year>. Upon receiving a manual ledger statement from an account representative on XX/XX/year>, I discovered that MFS skimmed {$51.00} of my XXXX payment into a column labeled " Other '' without any disclosure, fee schedule documentation, or authorization. While my statement explicitly dictates a monthly payment of {$320.00}, MFS is now threatening an unauthorized electronic draft of {$340.00} on XX/XX/year>, under threat of delinquency and collection fees. MFS has refused to process my paid Debt Protection benefits, refused to refund the misinformed XXXX payment, and is actively engaging in predatory, unauthorized billing modifications. DESIRED RESOLUTION : 1. Complete audit and removal of the unauthorized {$51.00} " Other '' fee. 2. Immediate application and processing of my paid Debt Protection/Medical Hardship Program benefits to freeze the account without penalty. 3. Cease and desist all automatic billing attempts until an accurate contract ledger is supplied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AC AutoPay LLC, Denver, CO Branch
State: WI

Complaint narrative:
Statement Regarding Unauthorized XXXX Insurance I am filing this complaint regarding my auto loan because I believe XXXX insurance was added to my loan without my knowledge or informed consent. At the time of my vehicle purchase, I declined XXXX insurance and was told that I did not need it. I later discovered that approximately {$1000.00} in XXXX insurance had been included in my loan agreement. When I paid off my loan early and requested a refund of the unused, prorated portion of the XXXX insurance, I was informed that no refund would be issued because more than 60 days had passed. I do not believe this is fair, as I was unaware that XXXX insurance had been added to my loan in the first place. Had I known it was included, I would have addressed the issue immediately. I have made multiple attempts to resolve this matter directly with the company. I contacted them on Monday, XX/XX/XXXX, Tuesday, XX/XX/XXXX, and Wednesday, XX/XX/XXXX, but despite these repeated efforts, no resolution has been provided. During my conversation with a company representative on Monday, XX/XX/XXXX, I was told that, according to their review, I did not say " yes '' or " no '' to purchasing XXXX insurance. This statement raises additional concerns because XXXX insurance is an optional product and should not have been added to my loan without my clear, affirmative authorization. Additionally, I have serious concerns about the loan documents. Several pages contain the initials " XXXX '' as a signature or acknowledgment. Those initials are not mine, and I did not authorize anyone to sign or initial documents on my behalf. I also did not receive copies of the completed loan documents after signing, which prevented me from discovering these issues sooner. I am requesting a thorough investigation into how the XXXX insurance was added to my loan, why my initials do not appear on the documents, and why signatures or initials that are not mine were used. I also request a refund of the XXXX insurance charges or any prorated amount to which I am entitled, along with any other appropriate relief based on the findings of the investigation. I believe consumers have the right to accurate loan documents, informed consent for optional products, and authentic signatures on all contractual paperwork. I respectfully request that this matter be investigated and resolved. I am also providing copies of documents for a loan that are not my initials and I provided documents that show what my XXXX signature should look like.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX Tennessee CITIBANK XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Account Number : XXXX XXXX Amount : XXXX XXXX XXXX - XXXX XXXX : {$1000.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: E Mortgage Capital, Inc.
State: OH

Complaint narrative:
During my mortgage refinance ( File Ref # : XXXX ), which closed on XX/XX/year>, I explicitly requested the payoff of an outstanding XXXX XXXX account ( ending in XXXX ). Despite my request, the lender failed to include this debt in the closing instructions. Consequently, this debt was not paid off, resulting in an active collection claim by XXXX XXXX XXXX and a lien on my property title. I have made multiple attempts to contact my loan officer, XXXX XXXX, but she is unreachable. Furthermore, my attempts to contact the companys official submission address ( XXXX ) have been blocked by their email system. I am requesting an immediate investigation into this settlement error and a resolution to satisfy this debt and clear my property title.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
WELLSFARGO XXXX FRAUD DEPARTMENT WOULD NOT ANSER MY QUESTION ABOUT MY XXXX ONLINE CHECKING ACCOUNT.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TX IC SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Amount : I C SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXX : {$360.00} I C SYSTEM - XXXXXX/XX/XXXX : {$440.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), XXXX U.S.C. XXXX XXXX ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * 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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Evidence of funny business, I was charged a {$15.00} fee when Ive maintained an account balance of XXXX AND deposited thousands directly meeting the threshold requirements for bypassing the monthly service fee by WF but have unethically charged me! Monthly statements attached!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
This debt collector has done unjustifiable 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. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
My Kraken account was restricted due to a chargeback/negative balance of - {$490.00}. On XX/XX/year>, I sent XXXX XXXX ( approximately {$1800.00} ) to my verified Kraken XXXX XXXX address to resolve this chargeback. The transaction is fully confirmed on the XXXX blockchain but has remained in " In XXXX '' status for over XXXX months and has never been credited to my account. I submitted XXXX support tickets between XXXX and XX/XX/year>, including tickets # XXXX, # XXXX, # XXXX, and # XXXX. All were closed without resolution. On XX/XX/year>, a Kraken XXXX assistant confirmed escalation to a XXXX team. That same day, a human agent confirmed the case would be handled by email exclusively. I followed up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> with no substantive response on any of those contacts. I also attempted to deposit {$500.00} through standard methods to cover the negative balance and received an error each time. My account remains fully restricted with {$1800.00} in confirmed funds inaccessible for over XXXX months and no path to resolution through Kraken 's normal support channels. The XXXX was sent directly to the deposit address provided by Kraken within my account portal. I am requesting that Kraken manually credit this deposit toward the negative balance, release any remaining funds to my available balance, and fully restore my account access

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PayTomorrow, LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable 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. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My auto loan with XXXX is 100 % current. Today, XX/XX/year>, XXXX attempted to make my scheduled XXXX payment of {$360.00} over the phone with a PenFed representative. The representative explicitly stated that they are unable to complete or process my vehicle payment because my profile has an internal block stemming from a separate, charged-off unsecured credit card. PenFed has revoked my online banking and is now actively blocking over-the-phone payments, intentionally forcing my current auto loan into default. This is an abusive, predatory collection tactic designed to trigger a vehicle repossession over an unrelated debt.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/2026 there was a new credit inquiry on my credit report. A few weeks later a new account was opened with The XXXX bank XXXX XXXX XXXX. I then proceeded to file a dispute with my credit bureau in regards to this account not belonging to me and there being misinformation on the account. The account displayed a totally different name, address, and phone number. All this incorrect information was reported by XXXX XXXX per the credit bureau XXXX After a month I reached out to the credit bureau for an update on the dispute. I was then informed that the bank had stated all the information matched the me personally. I then took the initiative to reach out to the bank where multiple representatives advised me there was no accounts matching my name or social security number. Despite the representatives not being able to find any accounts with my information the creditor/ bank keeps reporting the account to the credit bureau each month stating the account is mine without any supporting documents showing my personal information.

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