vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
This debt collector has engaged in practices that clearly violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported or furnished an account that I did not authorize, agree to, or sign for. A valid contract requires agreement and signatures from both parties, and I never entered into such an agreement with them. 

Furthermore, they failed to follow the required validation procedure under the FDCPA, depriving me of my right to receive complete and accurate information about the alleged debt. These actions constitute unlawful and deceptive collection practices. 

As a result of these violations, I am entitled to seek remedies under the FDCPA, including potential compensation. I am formally demanding that this account be removed from my credit report immediately, as it has been inaccurately and unlawfully placed there. 

This situation has caused me significant emotional stress, XXXX, and feelings of helplessness. The repeated violations and uncertainty surrounding this invalid debt have affected my peace of mind and daily wellbeing. It is unjust that I am being made to suffer consequences for an obligation that does not legally exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I am submitting this complaint against Western Union regarding incorrect refund collection instructions provided by its Customer Care representatives after verification of my transaction. 

On XX/XX/year>, I initiated a Direct-to-Bank transfer of USD XXXX ( MTCN XXXX ) from the United States to XXXX XXXX 

On XX/XX/year>, I contacted Customer Care twice ( approximately XXXX XXXX ET and XXXX XXXX ET ) to confirm the status of this transaction. 

During both calls : The representatives requested and verified my MTCN ( XXXX ). 
After checking the transaction in their system, they confirmed the refund amount. 
They instructed me to go to a Western Union agent location to collect the refund. 
They provided details regarding required identification documents. 
They provided nearby agent locations for refund collection. 

Based on these verified and transaction-specific instructions, I reasonably believed the funds were available for collection. 

Subsequently, I was informed that the transfer had been delivered on XX/XX/year> at XXXX and that no refund would be issued unless the beneficiary bank returned the funds. This directly contradicts the refund collection instructions provided by Customer Care. 

If the XX/XX/XXXX call recordings are reviewed, they should reflect that I was instructed to go to an agent location and collect a refund after my transaction was verified. 

A consumer should not bear financial loss due to inaccurate refund guidance provided by company representatives after account verification. 

I respectfully request : A documented review and preservation of the XX/XX/year> call recordings Written clarification explaining how refund collection instructions were provided if the transaction had already been delivered Refund of USD XXXX or provisional credit pending investigation I respectfully request the assistance of the Consumer Financial Protection Bureau in ensuring fair and transparent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank for denying a {$420.00} checking account opening bonus based on an undisclosed material condition, after I relied on explicit representations made by its branch employee. 

On XX/XX/XXXX, I opened a checking account at : Citibank XXXX - XXXX XXXX XXXX XXXX At the time of account opening, I was clearly informed that to qualify for the {$420.00} bonus, I only needed to complete two XXXX transfers of {$3000.00} each within three months. I specifically and repeatedly confirmed : That my account was fully and properly opened.

That completing two {$3000.00} XXXX transfers within three months was the only requirement. 

I was unequivocally told yes. 

I reasonably relied on these representations when deciding to open and fund the account. 

After returning overseas, I was informed that I needed to submit Form XXXX. I was told the bonus would be addressed after the form was completed. I was never informed that approval of the XXXX within three months was a condition of bonus eligibility.

I mailed the form six times via XXXX at {$35.00} per shipment, totaling {$210.00}. Each submission was rejected without clear explanation or structured correction guidance. Citibank failed to provide adequate instructions despite repeated inquiries. 

On XX/XX/XXXX, I was informed that my XXXX was finally accepted, but that I was now ineligible for the bonus because it was not completed within three months of account opening. This alleged deadline was never disclosed at account opening, during follow-ups, or during document submissions. 

Citibank is now retroactively imposing a material eligibility condition that was never properly disclosed. 

This conduct constitutes : Material misrepresentation at the point of sale.

Failure to disclose a material term affecting compensation.

Detrimental reliance, as I opened and funded the account based on the stated bonus terms.

A potential violation of the Consumer Financial Protection Acts prohibition against unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ).

The harm is direct and quantifiable : {$420.00} unpaid promised bonus. 
{$210.00} XXXX expenses caused by repeated unexplained rejections. 
Significant time and administrative burden. 

I fulfilled the transaction requirements as represented. Any delay in XXXX processing was caused by Citibanks inadequate disclosure and handling.

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 2026-02-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased two chargers from Best Buy totaling {$210.00}. Neither order was ever received.

First delivery : The package was stolen from my doorstep. I live in an area with high package theft, which is why my apartment complex has XXXX lockboxes for secure delivery. The driver did not use the lockbox. Best Buy reshipped the order. 

Second delivery : Best Buy 's delivery XXXX ( XXXX ) again failed to use the XXXX lockbox. Worse, the driver disclosed my full name, apartment number, address, and the fact that I was not home to an unauthorized stranger at my building. This directly resulted in my package being stolen. I have video of the driver with the stranger at my lockbox and video of me opening an empty box. I filed a police report ( # XXXX, XXXX XXXX XXXX XXXX 's Department ). I also have a witness who heard the driver disclose my information. 

Delivery companies have access to XXXX lockboxes and know which residents are registered. There is no excuse for leaving packages on doorsteps or disclosing personal information to strangers. 

I disputed the charges with Citi twice. Both times they sided with Best Buy. 
First denial reason : " The services or merchandise was provided as intended. '' This is false, I never received the products, and they were not secured properly in the provided lockboxes. 

Second denial reason : " The charge represents postage associated with the return of the merchandise ; per the merchant 's policy the customer is responsible for postage. '' This makes no sense, I never received any merchandise to return. There was no return. This reason is completely inapplicable. 

I provided Citi with a police report, email from complex, proof of other proper delivers, and the photo of the XXXX  code with a random stranger. I had no way to provide the video. They have not properly reviewed my evidence and continue to deny my dispute with invalid reasons. 

I have also attempted to resolve this directly with Best Buy. I contacted their customer service and spoke with an executive representative named XXXX. I sent him all my evidence, videos, photos, police report, and witness information. He stopped responding. I have been completely stonewalled. 

I am requesting Citi reopen my dispute and issue a full refund of {$210.00}. I paid for products I never received because the merchant 's delivery XXXX failed to secure my packages and violated my privacy.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been requesting past statements from a joint checking account for myself and my mother for a XXXX application for a XXXX home for my mother. She is in desparate need of care and can no longer walk or care for herself. The Federal application requires a five year look back of all financials and copies of all statements and checks over {$500.00}. I I have been requested this information from UMB since at least XX/XX/XXXX if not XXXX. I called the customer service line. They were not able to help and referred me to the local branch XXXX where we opened our account. I have been working with the branch XXXX XXXX XXXX of the XXXX, IL branch on XXXX. She has been responsive and tried to get me statements via email which failed. Then she troubled shooted and I received statements via regular mail. But I am still missing these dates : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX My guess is that is the " back office '' that issues these statements is having technical issues with merging systems so that I can not easily get these statements. However, I need them as soon as possible because my mom 's XXXX application to receive care in a XXXX has been delayed. Federal law requires statements to be provided. These ar too far back to see on the online banking platfrom. 

I am requesting that the people responsible for providing these statements send them to me via express mail as soon as possible and that the branch manager should no longer have to be following up over and over for a complete set of statements for me since they don't provide a complete set to her even though she has requested more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made a {$500.00} payment toward my Chase business line of credit in early XX/XX/year> because I believed it would satisfy the required monthly payment. The payment appears to have been applied as a curtailment rather than a scheduled payment, which resulted in a {$25.00} late fee being assessed on XX/XX/year>. 

After noticing the fee, I contacted Chase customer service multiple times by email and phone. I explained that the payment was made in good faith and that the issue was a misunderstanding of how the payment would be applied. I also set up automatic payments to prevent this situation from happening again in the future.

I was told I would need to travel to a physical Chase branch and meet with a district manager to request a review. The nearest branch is approximately 60 miles from my location, which creates a hardship for a {$25.00} courtesy review. 

During one call, the representative advised that I would need to speak with the Chase Portfolio Management team to request a fee review. I was transferred, placed on hold for an extended period, and then disconnected before reaching that department. 

I am requesting a remote goodwill review of the {$25.00} late fee since a payment was made, corrective action has been taken, and requiring an in-person visit is not reasonable under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TX

Complaint narrative:
I am filing a complaint against Stafford Group & Associates for attempting to collect a debt that does not belong to me.

I requested validation of the alleged debt. The company provided documents showing an address where I dont lived and failed to provide proof that I opened or authorized this account. They have not provided proper verification of my identity, proof of delivery of goods, or documentation showing I am legally responsible for this debt. 

Reporting and attempting to collect a debt without proper verification violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I request that this account be fully investigated and removed from my credit report immediately if the company can not provide competent evidence that the debt belongs 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Mr. Cooper for failure to comply with the Real Estate Settlement Procedures Act ( RESPA ) in connection with my mortgage account ( # XXXX ) for XXXX XXXX XXXX, XXXX, NY. 

I submitted Qualified Written Requests and Notices of Error on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, disputing the accuracy of a significant deferred principal balance and requesting detailed accounting of loan activity, including deferred principal and suspense activity. Mr. Cooper acknowledged receipt of these submissions and stated that a substantive response would be provided by XXXX XX/XX/XXXX. 

As of today, no complete or compliant response has been provided. Specifically, the servicer has failed to : 1. Conduct and document a reasonable investigation into the issues raised.

2. Provide a full and itemized accounting of deferred principal and suspense transactions.

3. Address whether errors occurred during prior servicing, including records transferred from a previous servicer.

4. Explain whether military-related hardship and Servicemember Civil Relief Act ( SCRA ) protections were fully considered. 

Instead, the servicer issued conclusory statements asserting that no error occurred, without addressing the specific discrepancies identified in my submissions or providing the requested documentation. This response does not satisfy the requirements of 12 U.S.C. 2605 and 12 C.F.R. 1024.351024.36. 

I am submitting this claim due to the servicer 's failure to meet statutory response obligations and to obtain regulatory oversight to ensure a complete and documented resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — VA 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am a XXXX veteran with a VA-backed mortgage loan. I sought assistance through the VA Servicing Purchase ( VASP ) program to avoid foreclosure and keep my home.

The VA approved my VASP assistance on XX/XX/XXXX and was waiting for a response from my mortgage servicer, Shellpoint Mortgage Servicing ( NewRez LLC ). However, when I contacted Shellpoint around XX/XX/XXXX, I was incorrectly told that I had not been approved and that my only options were to sell my home or face foreclosure. 

After I informed Shellpoint that the VA had already approved my assistance, they acknowledged the approval and told me foreclosure would not proceed. Despite this, Shellpoint filed a foreclosure complaint against me on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX, even though VA approval had already been issued. The VA later formally certified the approval on XX/XX/XXXX. Court records show the foreclosure was ultimately voluntarily dismissed in XX/XX/XXXX. 

Because of XXXX actions, I suffered severe XXXX XXXX XXXX  XXXX, and fear of losing my home. I received repeated foreclosure letters, calls, emails, and in-person contact attempts at my residence. Even after my loan transferred to XXXXXXXX XXXX on XX/XX/XXXX, I continue receiving foreclosure-related solicitations due to XXXX prior reporting and actions. 

I request that the CFPB investigate Shellpoint Mortgage Servicing ( NewRez LLC ) for improper foreclosure filing after VA approval, misrepresentation of my assistance status, and any inaccurate foreclosure or credit reporting. I also request correction of any negative reporting and any relief available under federal consumer protection laws.

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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: MI

Complaint narrative:
Company : XXXX XXXX XXXX Issue : Incorrect lease-end billing / Excess mileage dispute Complaint Text : XXXX XXXX XXXX is attempting to collect approximately {$5000.00} in lease-end charges, including alleged excess mileage of XXXX miles and wear-and-tear fees. I dispute the accuracy of the mileage calculation and have requested documentation including signed lease terms, odometer readings at inception and return, and repair invoices supporting wear-and-tear assessments. 

To date, I have not received adequate documentation validating the charges. I believe the billing may be inaccurate or inflated. I have requested a payment plan due to financial hardship and have not received reasonable accommodation.

I request : 1. Full documentation validating charges 2. Correction of any inaccurate mileage calculation 3. Removal or correction of disputed credit reporting 4. A reasonable payment plan if balance is validated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] ( optional ) [ Phone Number ] ( optional ) [ Date ] To : [ Debt Collector Name ] [ Debt Collector Address ] [ City, State, ZIP Code ] Re : Request for Debt Validation Account # [ Insert Account Number ] To Whom It May Concern : This letter is being sent pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am formally disputing the validity of the above-referenced alleged debt.

Please provide proper validation of this debt, including : 1. The name and address of the original creditor ; 2. A complete accounting of the alleged amount owed, including interest, fees, and charges ; 3. A copy of the original signed contract or agreement bearing my signature ; 4. Proof that your company has legal standing and authority to collect this debt ; 5. Documentation showing a complete chain of assignment from the original creditor to your company ; 6. The date of first delinquency.

Additionally, if you are reporting this account to any credit reporting agency, you must mark the account as Disputed pursuant to federal law.

Until proper validation is provided, you must cease collection efforts.

Failure to provide adequate validation while continuing to report or collect may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

This letter is not a refusal to pay but a notice that your claim is disputed.

I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I used paypal to pay a contractor a deposit for work to be done on my home on XX/XX/XXXX. The contractor basically did a bait and switch. Took my deposit the said more work was needed therefore more money was due. I disputed the transaction and was notified that if the merchant did not respond by XX/XX/XXXX that the case would be closed in my favor. The merchant did not respond. Still I was not refunded my {$3000.00}. I waited XXXX weeks before I initiated a chargeback with my bank, they denied the claim. Stating that PayPal refused to release money to them during chargeback process and I needed to contact PayPal again for my refund. Paypal has admitted that the case was closed in my favor before I even started the chargeback but due to the large amount it was supposed to go through another verification before I was refunded, but it was never escalated and basically sat dormant. They're now saying my bank which is XXXX XXXX XXXX XXXX has to refund me. So I'm basically in limbo and no one has refunded me. I recorded several calls with PayPal admitting my money is due to me but i'm still without a refund. They recently as of XX/XX/XXXX closed the case in the sellers favor after previously advising me that seller did not respond therefore I won the case. This is after I attempted over ten times to and spoke with as many supervisors to get my money back. This is strictly retaliatory as I've been hawking them to give me my money back. They can not establish a process for winning dispute then change it as it suits them.

Company response to consumer: Closed with explanation