vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We have been in many months long process of attempting to get Freedom Mortgage to record the Deed in Lieu of Foreclosure that we signed regarding a property in XXXX, FL. The attorney they contracted with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of contact within that firm XXXX XXXX XXXX XXXX have at least answered our calls, but they will not give us firm dates when the deed will be recorded or even if it will be recorded sometime in the next few months. Freedom Mortgage has said they will record this in the next 3 months, but we signed, notarized and faxed over the Deed in Lieu of Foreclosure on XX/XX/XXXX. XXXX renews XX/XX/XXXX. We don't legally own the home due to signing the Deed, but they will not RECORD the instruments and we are not going to pay to insure a property we don't own and that's going to make the property a legal hazard. They need to follow through with the deed and stop with this fraud in the inducement and malfeasance.

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 2026-02-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I returned a XXXX items from separate purchases from a merchant XXXX. The first item was for {$640.00} charged on my account for {$1800.00} as part of a larger order dated XX/XX/XXXX. I returned this with XXXX tracking XXXX. The return was in compliance with the merchants policy The second and third item were part of the same order dated XX/XX/XXXX and were charged to my account as {$750.00} and {$530.00} on that same day. Both this items were returned via XXXX tracking XXXX delivered on XX/XX/XXXX. Again this was fully compliant with the merchants return policy. The merchant did not refund me so I submitted a dispute with Citi bank. They refused to open the dispute or credit me. They broke the law. I submitted the dispute in writing within the timeframe that the Fair credit act stipulates. The case is simple. The merchant is in possession of the returned items and I am missing credit totaling {$1900.00} which Citi refuses to cooperate. Citi should be investigated because they also have charged me interest in the dispute process which is AGAINST THE LAW. Furthermore Citi had blatantly sent me documentation that is PROVABLY FALSE. They said the merchant credited my account. I can prove via my bank statement that is never happened. Yet Citi continues to disregard its customers and the law.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XXXX XXXX my Maine state tax refund for XXXX was deposited into my TD Bank account. The same day, the bank issued a reversal of the XXXX so the money was never made available to me. TD Bank refuses to give me any information about the reversal. When I called they placed blame on the Maine XXXX XXXX XXXX. The Maine XXXX XXXX XXXX tells me that they absolutely did not submit the reversal. TD Bank made it impossible for me to even access the account through customer service to gather information. They repeatedly tell me that they 'cant verify ' who I am despite answering all of their questions and using the code they sent me. I moved last year to XXXX from Maine. When I was in XXXX, I changed my address at the branch to my new address in XXXX. Now my address has been changed back to Maine, without my permission. This is what they are using to say they can not 'verify ' me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I noticed a charge on my debit card account for {$4900.00}. My balance at the time was {$700.00}. I have never received a bill from XXXX, nor have I ever used my debit card for a car rental at XXXX. I called my bank on XXXX when the charge had not dropped off. I filed a complaint with Regions Bank. I spoke with XXXX and received a claim number of XXXX. XXXX informed me that someone from Regions XXXX Department would be contacting me. I had not heard from the fraud department as of XXXX, so I visited my local branch in XXXX XXXX, Florida. I was helped by XXXX XXXX. XXXX attempted to obtain an answer from the fraud department, but they would not give her any information, other than they had XXXX business days to investigate. I patiently waited until Tuesday, XX/XX/year>, and contacted Regions fraud Department. I was informed that I would not be receiving a refund/credit for the {$4900.00}. I was extremely upset. On XXXX, I received a text from Regions collections stating that my account was overdrawn. I called the XXXX and spoke with XXXX. She was the first Regions representative to ask me what happened, and asked for my version of events. I explained to her that I was filing complaints with the Federal Reserve and The Consumer Financial Protection Bureau, and that I have contacted an attorney. I explained that I never approved any charges from my debit card to XXXX. I also explained that XXXX some how charged a debit card, ending in XXXX, on XXXX, that had been cancelled by Regions on XXXX for fraudulent use. I was given a new debit card, ending in XXXX. It is impossible for XXXX to have chipped or swiped the debit card ending in XXXX, on XXXX, as the card was physically destroyed by me on XXXX lt appears to be illegal in the state of Florida XXXX charge a debit card for more than its available balance, unless there is an overdraft agreement. I opted out of ALL overdraft agreements. The charge should have gone to pending, then dropped off the next business day. I was told by XXXX from Regions during our phone conversation on XXXX that XXXX and other car rental agencies had ways to go through the back door of credit and debit card accounts. I asked if this was legal, and he said he wasn't sure. lt appears that Regions and XXXX colluded to fraudulently charge me. XXXX XXXX. P.S. l received another charge from XXXX to debit card ending in XXXX, on XXXX for $ XXXXThis was mere hours after I contacted the Federal Reserve and filed the complaint with the collections department. Very suspicious. .

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 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I had XXXX on XX/XX/year> at XXXX XXXX. I was told by a collection company called XXXX XXXX that I owed a medical debt to XXXXXXXX XXXX XXXX XXXX for dates of service on XX/XX/year> in the amounts of {$1700.00} and {$1.00}, XXXX. I contacted my medical insurance XXXX XXXX who confirmed that they paid XXXX XXXX XXXX in full for this date of service. I also contacted XXXX XXXX who also confirmed that the entire bill was paid in full and nothing was owed to anyone for this date of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
During the pandemic in XXXX our family got financially affected. M & T Bank offered me a program that allowed me for a certain amount of time not to pay the mortgage and I accepted it. Things didn't go the way they were supposed to go unfortunately. Later on, around XXXX of XXXX I commenced to work with M & T Bank for a loan modification. Things didn't work at that time either for reasons beyond my control. After that around XXXX of XXXX, I contacted a company named Serenity Financial and talked to XXXX XXXX XXXX : XXXX a Loss Mitigation XXXX to assist me with my loan modification process. After 19 months of back and forth communication, Serenity XXXX was able to obtain a loan modification that M & T Bank denied because my daughter, who is not in the mortgaged contract, couldn't sign the final loan modification document for being out of the country at the moment. After that, in XXXX of XXXX I got in contact with XXXX XXXX XXXX XXXX : XXXX ) XXXX, and talked to XXXX XXXX about my situation with M & T Bank. They offered to help me obtain a loan modification and the whole process started again. Another 28 months of back and forth communication went on, but in this case M & T Bank moved forward with a foreclosure sale on XX/XX/XXXX while a complete loan modification application was under review. Right now, again I'm working with another company named XXXX XXXX XXXX and talking with XXXX XXXX XXXX Loss Mitigation XXXX. He recently informed me that M & T Bank didn't notify the proper department about the submission of a reversal proceeding, and for that reason our family just received a 10 days notice to vacate. We fear that M & T Bank is not going to be fair to us and that the only thing they care about is kicking us on the streets. Every effort, time and money that my family has spent to live in harmony in our home has not worked so far. WE DON'T WANT TO END UP ON THE STREETS, PLEASE HELP XXXX IMMEDIATELY, THANK YOU.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: AR

Complaint narrative:
I am the primary account holder on a Discover credit card account. On XX/XX/year>, I called Discover to request removal of an authorized user from my account. The Discover mobile app and website would not allow me to complete this request, so I contacted customer service by phone. During the call, the representative refused to process the authorized user removal unless I made a payment. I explicitly declined to authorize a payment and stated that I was not calling about billing. The representative continued to pressure me to make a payment, raised his voice, and refused my request to speak with a supervisor. I am aware that removal of an authorized user is an administrative account request and should not be conditioned on payment. I documented the representatives name and ID number. XXXX, ID : XXXX I am requesting that Discover immediately remove the authorized user from my account, confirm the removal in writing, and address the inappropriate conduct and refusal of service I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
I got a car from American credit acceptance back in XXXX well tried to make payment arrangements with then when I got behind then I feel ill had major XXXX so I was unable to pay them they had a tracking device on the car they turned it off when the payment was missed, They should have not sold me the car because the interest rate. For a XXXX XXXX XXXX they was rude and treated me and they had a lawyer call me they treated me said they was going to take to court so Had went with XXXX XXXX and they was have took care of this in XXXX but they want me to take of it they charged me and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, a fraudulent charge in the amount of {$590.00} appeared on my account. I immediately reported the charge as unauthorized to Chime the same day. I was instructed to call back once the charge was no longer pending. I contacted Chime again on XX/XX/year>. During that call, I was informed that the charge would be investigated and that I should receive a refund within XXXX business days. On XX/XX/year>, I received an email stating that my dispute had been denied and that no billing error had occurred. I immediately contacted Chime for clarification. I was told that I would need to file a police report in order for my claim to be reconsidered, and that no additional information could be provided to me regarding the basis for the denial. I filed both a police report and an FTC identity theft report and promptly submitted both documents to Chime as requested. Despite providing the requested documentation, my dispute was denied again without meaningful explanation. At no point has Chime provided me with a clear explanation of how their investigation was conducted, what evidence they relied upon, or why they determined the transaction was authorized. I have consistently maintained that this transaction was unauthorized, and I reported it immediately upon discovery. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are entitled to a prompt and reasonable investigation of reported unauthorized electronic fund transfers. Based on the rapid denial of my claim, lack of transparency, and refusal to provide details supporting their conclusion, I do not believe Chime conducted a reasonable investigation. Additionally, I was not provided with documentation or findings from the investigation upon request. Instead, I was instructed to obtain a police report as a prerequisite for reconsideration, which I did. Even after complying, my claim was denied again without substantive explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX and other fees created negative balances in my XXXX XXXX accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am submitting this complaint regarding ongoing issues with my Capital One XXXX XXXX credit card account. I have not received a billing statement showing a balance of {$29.00}, and despite multiple attempts to resolve this directly with Capital One, I have been unable to reach a human representative or correct the issue. My attempts to fix the problem included using the online messaging and chat functions on the Capital One XXXX XXXX credit card website, but these only led to automated chatbot responses that looped without connecting me to a live representative or providing a resolution. Additionally, I made several calls to the 1800 customer service number, but each call resulted in long delays and no successful contact. I am requesting assistance in ensuring that this billing error and missing statement are properly investigated and corrected. I want to confirm that no late fees, negative credit reporting, or other adverse actions will occur while this issue remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
At XX/XX/year>XXXX I saw {$230.00} unauthorized transaction with my target card purchase. Someone made store pick up transactions and return with target gift card at same day. I used target card many years and never returned with gift card. I always returned to my original payment. I was called target card customer service four times, they told me they will be send me letter but I didnt received. And I got reported past due and take XXXX point form credit score. I was tried to contact target bank card service but they still told me wait for the letter and send them back! They just take money from the consumer and do not care about the interests and rights of consumers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing XXXX formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts XXXX have them removed. These accounts are causing significant damage XXXX my financial reputation XXXX overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason XXXX report them without my explicit consent. Please refer XXXX the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX unfair credit reporting methods undermine the public confidence, which is essential XXXX the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed XXXX what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Account name XXXX/CBNA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX A laptop was stolen from my place of employment back in XXXX. Since then, my identity has been compromised. Unknown addresses, phone numbers, accounts etc. have been showing up on my credit reports since then. I have been working endlessly to get this resolved, but XXXX havent had any success.

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 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital Systems issued a collections on my credit report for {$3400.00} and I have never owed them any money or had any contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I made two separate foreign currency exchange transactions through US Bank, one on XX/XX/XXXX and the other on XX/XX/XXXX. Both were supposed to be ready for pickup on XX/XX/XXXX. Only XXXX was delivered to the bank which was the second of the 2 transactions, the one on the XX/XX/XXXX. XXXX is telling them it was delivered and US Bank is claiming it was not but I am apparently the one who gets screwed as they would not refund my money and told I have to wait XXXX business days for an appeal process. I leave the country before then and this is their mistake. The branch I had the money sent to acknowledged that, they never received it and that I inherently was never given my transaction.

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