vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mediation Recovery Center
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to XXXX. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving XXXX owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect XXXX to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a new checking account with Citibank and deposited my personal funds into the account. Shortly after opening the account, Citibank placed a restriction on my account and froze access to all of my money. I was informed that another bank was reporting a negative balance through Early Warning Services and that there was an attempt to collect the alleged debt. Citibank has not provided me with the name of the reporting bank, the amount allegedly owed, or a clear explanation of why my funds are restricted. I have not authorized Citibank to use my funds to pay any debt owed to another financial institution. My understanding is that the account is being restricted based only on a banking history report, and I am concerned about whether my funds are being held legally. I am requesting a written explanation of the reason for the restriction, the identity of the institution reporting the information, the amount being claimed, and confirmation of whether my funds will be returned to me or transferred to another party. I also request that Citibank provide the legal basis for continuing to restrict my access to my own funds.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I Came in to the branch of wells fargo bank, at XXXX XXXXXXXX XXXX XXXX XXXXXXXX. T firts the cashier was very rude She wasn't polite, probably She didn't liked my XXXX look. I ask.her to I will.like to.withdrawl {$8.00} K. From my checking account. Then she asked me to insert my debit card. I ALSO GAVE HER MY DRIVER 'S LICENSE, Then She said .. that is a lot of money .and she need s to.verify my last transaction. Which I answered all of them. Then She kept me there for over 10 minutes while Dhe was looking all my transactions. She called her manager. Which wasn't friendly at all. And she said. They won't be able to give the money because there are several pending transactions on my account. And I said. Yes but I have enough money to.cover that. So. Since they didn't wanted to give the money. I said them if they have a brand manager.? They said. No. There is no manager at this moment. So I.said. them we'll I have to call customer service to.escalator this matter because it is not fair. That you are giving excuses for retained my money. So I call customer service. And I explain them my complaint. The representative told someone will contact me whiting 48 hours. In the mean time they won't release my money. So.I need help I feel discriminated and abused by their actions.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank says they paid XXXX credit card on a balance transfer on XX/XX/year> in the amount if XXXXXXXX XXXX says they need the transmitter report or receiving rounting and account number but they just keep sending a trace number XXXX and XXXX says that doesn't help.. I have asked US Bank multiple times for this information on the phone and in person but they just send me a letter that takes 15 business days to receive without the information that I have requested ... XXXX is charging me interest and US Bank charged me XXXX to transfer it plus I am running out of my interest free months. I need them to send the receiving routing and account number to XXXX and the transmitter report.

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 2026-07-14 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: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/year> I purchased a luxury all-inclusive hotel and flight package through XXXX for {$6500.00}. The property was significantly misrepresented on XXXX 's platform advertised amenities including four restaurants, freXXXX XXXX XXXXpa and massages as included were all false. Multiple serious health and safety violations were documented at the property including expired food actively used in the kitchen, unsafe food handling, animals in the dining area causing allergic reactions, blood stained bedding, and structural hazards. My wife is four months pregnant and was unable to eat safely at the property throughout the entire stay. I contacted XXXX for resolution beginning XX/XX/XXXX through multiple phone calls and emails. XXXX assigned case number XXXX and I spoke with representatives XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from their XXXX XXXX XXXX XXXX I have a complete email chain documenting every contact. XXXX ultimately sent a written email formally closing their case and refusing to take further action. I filed a chargeback with Elan XXXX XXXX for {$6500.00} on grounds of services not as described and submitted extensive evidence including timestamped photographs, the complete email chain with XXXX, XXXX 's written refusal, the hotel management 's independent written apology confirming the stay fell below acceptable standards, and screenshots of the misrepresented XXXX listing. Elan denied my chargeback stating I received the services because I completed the stay. However the denial was based on a multi-page letter XXXX submitted to Elan falsely claiming I never contacted them for resolution. This is demonstrably false and directly contradicted by the case number XXXX assigned, named representatives, and written email responses from their own XXXX XXXX XXXX all of which were submitted as evidence. When I called Elan to appeal, the supervisor stated the case is closed and can not be appealed despite the merchant submitting provably false statements to influence the chargeback decision. I was denied the opportunity to formally appeal and was told I must repay the full {$6500.00}. I am requesting the CFPB investigate Elan XXXX XXXX for failing to properly review chargeback evidence and siding with a merchant who submitted false statements. I am also requesting investigation of XXXX for submitting false statements to a financial institution during a chargeback dispute.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
My X husband changed all my information on my credit card without my knowledge to his so I could not see the transactions he had made fraudulently. I have not had this card in my possession for about a year, so I can not provide a full account number. I have the last XXXX digits from mailing correspondences. I have contacted my local police and they said it was a matter to discuss with the credit card company.

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 2026-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am providing an update to my complaint. CitiBanks Fraud Prevention manageXXXX stated she could not provide her full name, saying it was against CitiBank policy. She repeatedly told me to contact XXXX XXXX and the issuing bank, even though XXXX XXXX already confirmed the check was valid, paid, properly endorsed, and final. When I attempted a threeway call with XXXX XXXX, the CitiBank manager disconnected the call before XXXX XXXX answered. CitiBank also stated they can not provide any fraud reason code for the reversal and refused to provide the return reason code, endorsement image, or proof of payment status. These refusals and the managers conduct have caused significant hardship and prevented me from refusal to provide full name false claim about CitiBank policy repeated redirection to XXXX XXXX XXXX XXXX already confirmed payment Citi disconnecting before XXXXXXXX XXXX XXXXnswered refusal to provide fraud code refusal to provide required documents hardship caused I am requesting CFPB assistance because CitiBank is refusing to provide required documentation and is preventing me from resolving a confirmed paid

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone 3 times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, my PenFed Power Cash Rewards card started throwing a Card not added. Contact card issuer for more information. error.

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 2026-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I sold my property XXXX XXXX XXXX XXXX Tx XXXX on XXXX. XXXX Texas title wired the payoff to New Rez XXXX. On XXXX XXXX New rez paid the insurance premium that was already canceled because the automated service when you call is telling me to provide proof of insurance. So XXXX had already informed them of the cancelation of course because the property sold. So they knew this and still mailed a check to XXXX ( XXXX confirms the policy is canceled and have NOT received any insurance payment from New Rez on the old policy ) XXXX XXXX title was on conference call with me and New Rez. They informed New Rez what they are doing is illegal. They explained to them I no longer own the property as of XXXX, and that they wired them the payoff on XXXX. They must stop payment on the insurance premium place it back in escrow and post the payoff, and any remaining balance is due back to me. They proceeded to say if I don't pay they will send back the wired payoff. Said they can request the stop payment but most likely won't be approved due to the check sent for payment of the insurance was a bulk check which included other borrowers insurance payment. XXXX XXXX XXXX from XXXX Texas Title has forwarded the case to their attorneys.

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 2026-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
Ive been disputing this account with XXXX since XXXX. This account is paid and was supposed to be deleted from my XXXX report. This same debt was held by two collections agencies and was paid to truaccord. Waypoint needs to be deleted from my credit report as shown in the attachments the account has been withdrawn from waypoint.

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 2026-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Finance America is reporting an automotive lease account ( XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) with a balance that is impossible on its face. The original lease amount is reported as {$29000.00}. Kia is reporting a current balance of {$33000.00} and an amount written off of {$34000.00} both greater than the original obligation. Kia 's own reported balance history shows the balance increasing after the account was charged off in XX/XX/XXXX : {$27000.00} in XX/XX/XXXX, {$32000.00} in XX/XX/XXXX, and {$33000.00} in XX/XX/XXXX. Kia also reports a different figure ( {$32000.00} ) to XXXX for the same account. This was a lease, meaning the vehicle is Kia 's property. Kia has never provided any accounting showing what happened to the vehicle, whether it was returned, surrendered, or repossessed, whether it was sold, or whether any sale proceeds were credited to my balance. I disputed this account through XXXX and it was returned as verified without any explanation of these discrepancies. I am requesting that Kia produce a complete itemized accounting of the balance, documentation of the disposition of the leased vehicle and any credit for its value, and that it correct or delete the inaccurate reporting.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has been charging ATM fees for using the Citibank-branded ATM at XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Their ATM and brand locator https : XXXX indicates this is a CITIBANK ATM located at XXXX XXXX XXXX, XXXX , NY XXXX is CITI XXXX The physIcal ATM is branded CITIBANK and when you enter your card the screen says welcome to CITIBANK, however the continue to charge me ATM fees and do not fix the problem. When I call they say is a non-citi ATM however it is, they are gaslighting me. I have realized they have been charging me for these ATM withdrawls for months and they refuse to acknowledge the issue. XX/XX/year> NONCITIBANK ATM WITHDRAWAL XXXX XXXX XXXX AT XXXX XXXX XXXX RI - {$80.00} XX/XX/year> NONCITIBANK ATM WITHDRAWAL XXXX XXXX XXXX AT XXXX XXXX XXXX RI - {$300.00}

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 2026-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MPOWER Financing, Public Benefit Corporation
State: TX

Complaint narrative:
I am attempting to refinance my loan. MPOWER Financing and XXXX XXXX have removed all access to my signed Promissory Note and Truth in Lending Disclosure from my online portals upon entering repayment. I have requested these documents, and they are withholding my legal contract, preventing me from managing my debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I discovered that my Citi credit card credit limit had been significantly reduced. I immediately called Citi to ask why my credit limit had been lowered and to dispute the decision. During that first phone call, I was told that I could not begin the dispute process until I received the written notice explaining the reason for the credit limit decrease. The adverse action notice was dated XX/XX/year>. After receiving the physical notice, I called Citi again and submitted my dispute on XX/XX/year>. Citi confirmed they had received my dispute and instructed me to wait for a response. I relied on those instructions and waited. I was never contacted regarding the outcome of my dispute. When I called Citi again on XX/XX/year>, I was told that they would not review my dispute because more than 60 days had passed since XX/XX/XXXX. I explained that I contacted Citi immediately after discovering the credit limit decrease and that Citis own representatives instructed me to wait for the written notice before submitting my dispute. I also explained that my dispute was submitted on XX/XX/XXXX, well within 60 days of the XX/XX/XXXX notice. The representative refused to explain why my XX/XX/XXXX dispute was not considered timely. When I called another Citi number to file a complaint about how my dispute had been handled, I was unexpectedly transferred me to a XXXX explicit hotline instead of a Citi representative. I have evidence of this incident. I also have evidence that I called Citi immediately after learning of the credit limit decrease, despite later being told there was no record of my initial call. I believe Citi failed to properly process my dispute, provided inaccurate information regarding my rights and deadlines, failed to follow through after confirming receipt of my dispute, and unfairly denied my request based on a deadline that I attempted to meet by following their own instructions. I am requesting that Citi : Reopen and fully review my dispute regarding the credit limit decrease. Investigate why my initial calls and dispute handling were not properly documented. Explain why my XX/XX/XXXX dispute was rejected despite being submitted within 60 days of the XX/XX/XXXX adverse action notice. Investigate how I was transferred to a XXXX explicit hotline while attempting to file a complaint with Citi. Correct any errors in their records and provide any relief warranted after a proper review.

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 2026-07-15 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:
My account regularly overdrafts and charges me {$35.00} despite me not having overdraft protection or any ability to change it.

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 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX policy was cancelled. Despite this, XXXX XXXX reported an alleged {$250.00} balance from that cancelled policy to a collection agency, which placed a collection tradeline on my credit reports. On Wed, XX/XX/XXXX, I called XXXX XXXX. Their representative verbally admitted the debt was reported in error and stated the balance was zeroed. When I requested written confirmation of this admission, the representative refused, stating they " do not have a template for that kind of email., same answer today Tuesday, XX/XX/XXXX '' This admitted-erroneous collection remains on my credit reports and has caused concrete harm : on XX/XX/XXXX, it contributed to the denial of a business bank account application for my newly formed company. I request : ( 1 ) written confirmation that the {$250.00} debt is invalid and was reported in error ; ( 2 ) recall of the account from the collection agency ; ( XXXX ) deletion of the collection tradeline from XXXX XXXX XXXX XXXX; and ( 4 ) written confirmation to me when each step is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's employee told me that I can sign up for a loyalty card for a discount, during the process they requested for a govt id and SSN. After the loyalty card was denied I realized that they must have tried to open a credit card in my name instead. They never once mentioned that this would be a credit card application. I feel that this is a gross violation of my financial wellbeing and luckily there was no credit card opened in my name.

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