vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: FL

Complaint narrative:
On XX/XX/2026, I booked a stay at XXXX XXXX for XX/XX/2026 through Citi XXXX, Booking ID XXXX / Reference ID XXXX. The Citi XXXX interface ( search.travel.citi.com ) confirmed the booked room as a XXXX XXXX of XXXX XXXX sq ft with XXXX single beds and XXXX king beds, city view, non-smoking. I paid XXXX XXXX points ( valued at {$1000.00} ) plus {$1100.00} to the card ending XXXX. The booking was non-refundable as of XX/XX/2026. Upon arrival on XX/XX/XXXX, the property delivered a small standard single room that did not match the XXXX sq ft, four-bed room confirmed by the Citi XXXX XXXX XXXX checkout. Because the booking was non-refundable and family had traveled by air to stay with me, I had to book an additional room at the property for approximately {$2300.00} to accommodate them. I am not requesting reimbursement for that cost ; I am absorbing it. I mention it only to convey the real impact of the error - a stay I expected to cost roughly {$1400.00} plus points became a XXXX ordeal. I raised this with Citi XXXX immediately. On XX/XX/2026, the Citi XXXX XXXX XXXX confirmed in writing that they were investigating and would complete the review within XXXX hours and keep me informed. As of today, XXXX month later, I have received no response of any kind.

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 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MO

Complaint narrative:
I was informed by XXXX SSA office that my living situation had changed which had not changed, had to report to office and provide proof that I had lived in Missouri since XXXX, they were reporting that I was living in other city and state, XXXX, Maryland, Delaware, which is not the case. I have been in Missouri for all my adult life. Most of those places were hospitals and rehab centers, and have never been or lived in those locations, I don't owe these medical bills, they were accrued thru Identity thief, someone has taken my identity and used the info to get medical help, also have used several different names under my identity. Have been dealing with this since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Bank charged me 5 overdraft fees when I had money to cover at least 3 of the posted transactions on my account. The overdraft fees took place on XX/XX/XXXX and XX/XX/XXXX, and a call was made XX/XX/XXXX to Wells Fargo and after speaking to several agents they said there is nothing they could do since I had overdraft fees reversed within the past 12 months.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is through PNC Bank. In XX/XX/year>, a new monthly paper statement fee of {$3.00} started showing up. I noticed it with my XX/XX/year> statements ( so XXXX mo. of incurring the charge ). I don't recall ever receiving an electronic message regarding this new fee. I don't recall any statement insert being included in the months preceding the first occurrence of the charge. I looked at the online statements of the XXXX statements, and there is no notice of the upcoming charge. I searched past 9 months on my account of all available notices, statements, and general information communicated to me on this checking account and saw no notice informing me of the new charge either. I called PNC. They immediately refunded {$6.00} and escalated to have the most recent {$3.00} refunded. I changed to online statements only to avoid the charge in the future. When I called PNC, I asked specifically how and when I was notified of this new charge prior to its first implementation. They said they were unable to tell me when/how they notified me of the account change that resulted in this new fee being charged to me. That was the end of the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX Equifax XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CADENCE BANK
State: MS

Complaint narrative:
I called my Bank, Cadence Bank to report I had been scammed and to request they initiate a stop/recall on a wire transfer of money. The customer rep stated someone would call me back. They never did so I called the bank back to follow up and was told that my initial call had never been recorded and they did not have a record of my initial call. Because of this, many days passed by and now recovery of money is likely to not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is in regards to a check fraud incident, in which money was stolen from my account. I have filed three claims with Citibank, but all have been denied. Below is my narrative description of the event. My uncle passed away in XX/XX/XXXX ( see attached death certificate ). I was appointed as the personal representative of his estate in XX/XX/XXXX ( see attached letter of administration ). On XX/XX/XXXX, I wrote a check in the amount of {$37000.00} to the US Treasury to pay my uncles IRS taxes for fiscal year XXXX ( see attached check XXXX carbon copy ). Note in the memo I wrote his SSN Tax ID number, which matches the SSN on his death certificate. In XX/XX/XXXX I learned that the IRS had not received the payment, but I could see from the Citibank online account portal that the check had been cashed. However, Citibanks online account portal does not provide a picture of the front and back of the check that has been cashed, so I went into my local Citibank branch to obtain a picture. When I was in my local Citibank branch I was provided with a picture of the front and back of the check which did not match the carbon copy ( see attached check XXXX image ). It was at this point that I realized check fraud had occurred and so I froze the account at Citibank, initiated a claim, and filed a police report ( see attached police report ). Citibank initiated an investigation and located the funds in an account at XXXX bank, per a letter I received on XX/XX/XXXX ( see attached information from Citi dated XX/XX/XXXX ). Despite my prompt reporting of the incident, and XXXX subsequently locating the funds, my claim has been denied and the funds have not been deposited back into my account, even though the letter dated XX/XX/XXXX indicated I would receive the funds in 60-90 days. My understanding is that my claim has been denied because I didnt inform Citibank of the fraud within 30 days of its occurrence. However, Citibanks online account portal does not provide pictures of the front and back of its checks, so how could I have known that fraud occurred, unless I went into the bank and asked for the check images? Citibank surely doesnt want its customers going into bank branches and requesting images for each and every one of their checks. Moreover, as soon as I found out that fraud had occurred, I had the account frozen, initiated a claim and filed a police report. In other words, I informed Citibank within 30 days of my knowledge of the fraud. Finally, Citibank located the funds at XXXX bank ; why is Citibank keeping these funds and not returning them to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My account was blocked by Truist Bank because of a verified deposit from the XXXX XXXX XXXX. The amount was over {$10000.00}. I have no access to my money at all. The account was blocked on XXXX, XXXX 2026. No one is telling me when I will be able to access my money. This money was deposited into my account from my childrens father for them from his taxes. We BOTH can verify this. I also had another deposit that was supposed to go into my account on Friday and it never showed up. I do not understand why they need to block my account and I have to wait over 7 days to access money that feed my children and pay my bills. I have no access to the previous money I had in there or no other deposits. They did not send me an email, a paper statement, nor call me to tell me this happened. I did not find out that my account was blocked until I tried to log in. They did not notify me of anything that was going on. Truist Bank.

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 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
i pray you will see what is really going on, i have proof wells fargo has lied on more than one accasion and this is a form of fraud

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 2026-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a JPMorgan Chase customer holding two loan accounts in good standing. I am writing to formally register my complaint regarding the institution 's predatory and deceptive direct mail practices. On multiple occasions, I have received notices printed in oversized, alarming typefaces conveying extreme urgency language and formatting deliberately designed to suggest a serious problem with my account. Upon following the instructions and contacting Chase, I have discovered each time that the " urgent matter '' is nothing more than a solicitation to purchase loan protection insurance. This is, by any plain reading, deceptive marketing. The formatting and language of these notices are engineered to create anxiety and compel immediate action under false pretenses. My time has real value. Theirs, apparently, does not. I want to be unambiguous : I am a capable adult who understands financial products. If I wished to purchase insurance against my loan obligations, I would do so without prompting. Pressure tactics will not change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Zendable, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX my card was fraudulently charged be XXXX for a purchase that I did not authorize. I reached out to both my card company ( Zable ) and the vendor regarding the charge. I told them but that I NEVER made, authorized anyone to make such purchase. I have made only XXXX purchase to that vendor and have had numerous fraud charges start to appear on my card with Zable. The card company did finally flag my card as being hacked but still has not resolved my dispute XXXX XXXXXXXX related to the fraud charge on XX/XX/XXXX from XXXX It's been over a month now and nothing has been done. I want this resolved ASAP. I will NOT pay a bill for something that I did not order/authorize ect...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
I previously contacted exeter finance to let them know I would make a payment on XX/XX/XXXX due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The representative from exeter finance said they notated my account. But today I was called by exeter finance and they said they don't see the note. I am only asking to give me 3 days and I will pay the past 2 months payments and I will get caught up on the current amount due. Exeter finance said I didn't qualify for a payment extension or payment arrangement. Thought for a few seconds Here is a stronger complaint statement you can use for XXXX, CFPB, or Exeter Finance escalation : I am filing this complaint because I have made multiple attempts to communicate with Exeter Finance regarding my account and my temporary hardship. I am currently hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously contacted Exeter Finance and explained that I would be able to make a payment on XX/XX/XXXX once I receive my XXXX check. During that call, the representative told me that my account would be notated. Today, I received another call from Exeter Finance and was told there was no note on my account showing that I had already explained my situation or provided my payment date. This is very frustrating because I have been trying to communicate honestly and responsibly. I am not refusing to pay. I am only asking for XXXX additional days so that I can make a payment and get caught up. I explained that on XX/XX/XXXX, I will pay the past XXXX months payments and bring the account current. However, Exeter Finance told me that I do not qualify for a payment extension or payment arrangement. I feel this is unfair given that I am experiencing a serious XXXX XXXX XXXX XXXX XXXX and have already provided a clear payment date. I am requesting that Exeter Finance review my account, honor the fact that I previously contacted them, and allow me until XX/XX/XXXX to make the payment without further collection pressure or negative action. I am also requesting that my account be properly documented to reflect my XXXX XXXX XXXX and my commitment to pay the past-due balance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am submitting a complaint regarding inaccurate and unverified collection reporting appearing on my credit report. I previously disputed the following third-party collection account ( XXXX ) with XXXX and requested proper verification pursuant to the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX collection account in the amount of {$440.00} dated sometime in XXXX Im not sure. The dates continue to change. Despite my disputes, the accounts were repeatedly verified without XXXX or the collection agency providing adequate documentation or a sufficient explanation of the method of verification used. I requested : Proof of a signed agreement or contractual obligation Proof of legal assignment/authority to collect A complete accounting of the alleged balance The method of verification used to investigate the dispute To date, no meaningful documentation has been provided. The accounts continue to be reported despite the lack of verifiable evidence. I believe the reporting parties failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I paid off my auto loan in XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of XXXX XXXX XXXX I have still not received the lien release documentation necessary to obtain a clear title to my vehicle. Over the past several months, and especially within the last month, I have contacted Santander Consumer USA multiple times to request that the lien release either be mailed to my home address or faxed directly to my local DMV ( for which the fax number was provided ). During these contacts, I repeatedly provided my updated mailing address and was assured that the matter would be addressed. However, I have not received the lien release, nor has the issue been resolved. The representatives I have spoken with include : XXXX ( Employee ID : XXXX ) XXXX, From the Title Department ( Employee ID : XXXX ) XXXX ( Employee ID : XXXX ) Despite multiple conversations with these representatives, I have not received the required lien release documentation, and I continue to be unable to obtain a clear title for my vehicle. I am requesting that Santander Consumer USA immediately provide the lien release and ensure that it is mailed to my correct address. I also request an explanation for the delay and confirmation that the lien has been properly released. Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I was consistently investing through Robinhood Financial LLC. On XX/XX/year>, my account was deactivated without prior notice or explanation. Following the deactivation, only {$6400.00} was transferred to me. The remaining {$910.00} is still being withheld with no timeline provided. I have attempted to contact Robinhood support through all available options but have received no response or resolution. I am requesting that the CFPB investigate this matter and require Robinhood to return my {$910.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A check for {$230.00} was cashed against the PNC XXXX XXXX XXXX XXXX XXXX account ending in XXXX. The check date was XX/XX/year> and was cashed/deposited at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Looks like it was deposited into account XXXX, Batch # XXXX. It was reported to PNC as a fraudulent check ( Check # XXXX ) with a signature that is not on the authorized signature list. Case number XXXX ( XX/XX/year> ) at PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wants the XXXX returned to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) promotional package in XXXX. I am filing this dispute because the promised {$600.00} bundle bonus has not been posted to my account. My checking account bonus was automatically flagged and denied because my recurring direct deposits stopped at the end of XX/XX/XXXX. However, I acted entirely in good faith based on a misunderstanding of the promotional maintenance timeline. I successfully completed multiple consecutive months of qualifying direct deposits exceeding the XXXX XXXX monthly requirement, and simultaneously deposited {$5000.00} in new money into the XXXX savings account to establish a deep financial relationship with the bank. The promotional terms regarding the exact duration required to maintain the direct deposits were unclear, and when I called the bank 's customer service line in XXXX to verify compliance, the representative failed to correctly clarify the required timeline. Further they told that I would get the bonus in XXXX, XXXX. When I called again in XXXX, they said end of XXXX and on XX/XX/XXXX they are completely denying. Please LISTEN TO the recorded tapes for the conversations in XXXX, XXXX, XXXX and XX/XX/XXXX and you will see I was provided incorrect information by your customer service reps. Given that I have maintained the significant {$5000.00} balance in good faith for over XXXX months and fully intend to continue utilizing these accounts, I am requesting a one-time marketing exception manual override to honor the promotional intent and release the full {$600.00} bundle bonus.

Company response to consumer: Closed with explanation