vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am updating this complaint with critical new information regarding my dispute against XXXX # XXXX XXXX XXXX XXXX. Navy Federal Credit Union has denied my claim and is removing a provisional credit of {$130.00} on XX/XX/year>, forcing my account into distress.Navy Federal 's denial states there is 'no record of service cancellation. ' This is factually incorrect and represents a failure to investigate the evidence. The merchant explicitly accepted my cancellation after 1 night of a 7-night stay due to a severe, unlivable roach infestation. As proof of this cancellation, the front desk clerk immediately processed a partial refund of {$200.00}. A merchant does not issue a {$200.00} partial refund on a {$380.00} total charge unless a service cancellation has occurred.The front desk clerk could not process the remaining {$180.00} balance and stated a manager would contact me, which never happened. Navy Federal opened the dispute for only {$130.00} ( allowing the merchant to keep {$54.00} for the single nightmare night I was forced to stay ). Now, Navy Federal is clawing back even that {$130.00} based on the merchant 's false claim that I verbally agreed to a partial refund.I never agreed to let the hotel keep {$180.00} for services not rendered due to a major health code violation. I demand that Navy Federal halt the XX/XX/XXXX clawback, review the {$200.00} refund receipt which clearly proves early cancellation, and permanently credit my account for the full remaining disputed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2026 I submitted a payment of {$4100.00} from my checking account in XXXX, to Barclays Delaware XXXX. My card had already been migrated to XXXX, so the payment was never received by either Barclays or XXXX. And XXXX claims they sent the money, the money was withdrawn by my account. For the past month I have been calling all XXXX entities, and they each claim they don't have the money. I have a claim case number with XXXX # XXXX. I have the XXXX proving the money was withdrawn from my account at XXXX and the checking account statement where the money is withdrawn.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Harris & Harris Ltd XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Re : Debt Validation Request Account # XXXX Amount Listed : {$160.00} To Whom It May Concern, This letter is a formal dispute and request for validation of the alleged debt referenced above, pursuant to FDCPA 809 ( b ). I do not acknowledge this debt and require full validation. Until proper validation is provided, you must cease all collection activity and stop reporting or verifying this account with any credit bureau, as required under FDCPA 805 ( c ) and FCRA 623. Please provide : 1. A complete accounting of the alleged balance of {$160.00} 2. A copy of the original contract or agreement with XXXX XXXX 3. Proof of your legal authority to collect this debt 4. Itemized charges and fees 5. Proof of assignment or ownership 6. Full payment history 7. Original creditor details 8. Your state collection license I am currently experiencing financial hardship due to reduced income and essential living expenses. This does not waive my rights under federal law. If you can not validate this debt, you must delete it from all credit bureaus under FCRA 611 and 623. I expect your response within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Payment made XXXX, cleared XXXX XXXX on XXXX. I made several small purchases over next few days. And then they dropped my available balance to {$0.00} even though i hadnt made that many purchases. When speaking with them they stated they held payment to make sure it clears even though it has and purchases had already been made. They also refused a supervisor

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 2026-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX went out of business and did not provide my aligners to continue treatment to fix my teeth.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with Barclays regarding charges on my JetBlue MasterCard after learning that XXXX XXXX ceased operations on XX/XX/XXXX. At the time, I was in the process of finalizing my design plan and preparing to remit the final payment for the scheduled delivery of cabinets and countertops in the first week of XX/XX/XXXX. I had been engaged with XXXX XXXX since late XXXX ; however, the project was delayed due to unforeseen family circumstances. As part of my dispute, I requested reimbursement of the {$2000.00} installment payment charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, Barclays advised me in writing that it was unable to issue a credit, asserting that I had failed to provide requested information prior to the dispute. That position is inconsistent with the documentation I submitted in support of my claim. The basis of the dispute is straightforward : the merchant is no longer in business and, as a result, is incapable of providing the goods and services for which payment was made. Compounding this matter, Barclays has since provided multiple and inconsistent explanations for its denial of the claim, despite no change in the underlying facts. On XX/XX/XXXX, I was informed that Barclays does not process chargebacks for installment payments. On XX/XX/XXXX, I was given a different explanation that the transaction fell outside the 120-day dispute window. These shifting justifications raise serious concerns regarding the adequacy and fairness of Barclays investigation and dispute resolution process. Under these circumstances, I respectfully request immediate assistance in securing a credit for the disputed amount so that I may proceed with obtaining the cabinets and countertops necessary to complete my kitchen renovation. It is neither equitable nor reasonable for me to bear the financial loss resulting from the merchants closure and Barclays inconsistent handling of this matter. Enclosed are the four letters have sent to Barclays, together with the supporting documentation previously submitted in connection with its investigation. I would greatly appreciate your prompt attention to this matter. Thank you for your consideration.

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 2026-06-12 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: VA

Complaint narrative:
XXXX - Discovered that my Citibank bank card had charges on it that I did not do nor did I authorize the charges. When I called- was brought to my attention that XXXX authorize users had been added - ID theft? - my email had been changed and my phone number- I told the representative that these people are fraudulent accounts and i did not give permission to add to my account and the charges are fraudulent charges that I had no idea that this had taken place. The charges were done in NY or NJ ; Citibank said they would closed the users and research the charges. Citibank compounded the problem ( it seems to me ) by re-issuing XXXX new account numbers on XXXX I will attach the documentation. Now when i call into Citibank, i have had representatives say i have XXXX authorize users on my card. The amount that I figured for these charges total {$14000.00} but how this has been handled by Citibank, not sure this amount captures the full range of charges made. I have called on these days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX When I call the usual amount of time is XXXX and half hours ; I get transferred XXXX times to various people - even when asking for a manager. On XX/XX/XXXX, i talked with the securities operations manager, XXXX, she went over the names with me and she said she reopened every name and every charge and she also said she had not seen anything like this before in her working at Citibank- she made reference to XXXX users on my card ( this would reflect what citibank did by closing and reissuing new numbers ) she agreed that these are fraudulent and she gave me hope that this was taken care of ; at this time, XXXX asked me all the questions that Citibank is saying i did not answer. I spoke to her about all the communications i am getting and she said do not worry about it, she has taken care of the questions. Citibank continues to send me dispute letters saying the charge is closed, etc and I have the charges added to my account and am being held responsible for charges. It is a mess- Citibank seems to continue to compound the mess and the people I am talking to can not seem to help or understand. Each person has said they are taking care of the issue.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
b"On the XXXX of XXXX an autopayment XXXX for our credit card XXXX XXXX XXXX XXXX was rejected because of insufficient funds. The mistake was on Citi's side: they decided to use an account (XXXX) that we don't use any longer. Of course, our autopayment is to pay the entire amount. As a general rule, I pay the entire balance before autopayment kicks in, but in this instance we were on vacation in XXXX. I never owed money to a bank - we paid our house, our cars, and everything else in cash. We have over a XXXX XXXX in our account.\n\nOn the XXXX of XXXX I was informed through an email by XXXX of the problem and paid the entire balance XXXX from the correct account (XXXX XXXX) on XXXX XXXX The $XXXX are still on the balance to this day and my payment of XXXX has not been taken off either, although it appears in the system. I called your hotline in the last week of XXXX and it took me over an hour to get a supervisor on the line, who told me that it was already scheduled to be corrected by the XXXX of XXXX. So I waited until today, the XXXX of XXXX, for the XXXX to disappear from the statement. That hasn't happened. I was kicked out 7 times by your system today - the connection was simply cut or the system changed to XXXX or allowed only keyboard replies - until I spoke to an agent. She gave her name as XXXX and after 30 minutes assured me that the $XXXX are mistakenly still on the balance and will be taken off. Since the phone call was simply dropped by her then, I am quite certain that this won't happen.\n\nSecondly, we are being charged interest (two bookings for XXXX each), despite having autopay on. XXXX assured me that she will ask for a waiver. I explained that I don't want a waiver: I want an explanation what is suddenly going wrong with my account and I want it to be corrected. \n\nCan Citi please make a full audit of our account and correct all the mistakes that are suddenly appearing?\n\nSincerely,XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint against Citi Bank regarding two unresolved XXXX transactions of {$170.00} each ( {$340.00} total ). One transaction remains Pending and the other is marked Expired. The recipient did not receive the funds, and the money has not been returned to my account. I successfully completed three previous XXXX payments to the same company. The problem began only after the company changed its XXXX system. I visited a Citi Bank branch and requested a formal investigation. Citi refused to open a case, provide a case number, or explain what happened to the funds. They also refused to cancel the pending transaction. The transactions remain documented in XXXX records, but Citi representatives stated they could not properly locate or track them in their system. Citi has provided no explanation for the missing funds and has not updated the transaction status accurately in its app. I request a formal investigation, a written explanation, and the return of my funds if the transactions can not be completed. I contacted Citi Bank by phone on four separate occasions and was never provided with a case number, complaint reference number, or investigation record. I also visited a Citi Bank branch in XXXX XXXX, where Branch XXXX XXXX XXXX refused to open an investigation or provide any explanation regarding the missing 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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/year> I received and email from Citi Bank saying that they are processing my application for their Citi XXXX XXXX XXXX. Application number XXXX. I tried calling several different numbers and navigated through many automated phone systems only to be transferred to several different people who couldn't help me. Every single call was a dead end. I was on hold and transferred for 45 minutes before I was hung up on. The application is fraudulent. The activity is illegal and needs to be stopped immediately. No one that I talked to was able to shut the application down or do anything to help me. This is unacceptable.

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 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX, I notified My Quick Wallet that I was revoking authorization of my bank account and debit card for my payment on XX/XX/year> of {$190.00}. The company never responded via email or phone but did remove my bank account from the authorization. However, they never removed my debit card. This payment method was included in my revoke authorization email to them. Today they took the unauthorized payment of {$190.00} from my account using my debit card.

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 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a money order into my personal checking account through Citibank and it was cashed via mobile banking. Within 24 hours, my account was closed. I did not fill out the money order correctly, so they stated they couldn't verify me. I've spoken to the fraud department, submitted the money order receipt, front copy, my ID, and SSN with no resolution. In addition, I spoke to XXXX XXXX, filled out their fraud affidavit and copies of the money order and ID as well. No resolution there either since the money order had been cashed. Its going on a year now with no sign of getting my funds back.

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 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I applied for a load modification due to divorce and furlough. Bank of America ( BOA ) waived my payment for a few months during the modification process. Later during the trial period, my mortgage payment was increased to {$1100.00} to be paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made timely from my BOA checking account. I received my final work out plan on or about XX/XX/XXXX. The forms were completed, notarized and returned the same day. I called later that week to confirm the documents were received and a representative confirmed received. On XX/XX/XXXX, I received a notification which stated the modification case was closed as I failed to submit documents. As this was a holiday weekend, I contacted BOA on XX/XX/XXXX and was told that the notary put a stamp instead of writing in a blank and that the date was missing. There were multiple other calls. Please note that these documents were not due until XX/XX/XXXX or XX/XX/XXXX. I advised that they also sent the documents electronically and we can resend. I also stated I was willing XXXX XXXX to a bank no matter where it was to resubmit the documents. The request was denied. I called on XX/XX/XXXX and reapplied only to find out on XX/XX/XXXX the application was not submitted and the notes indicated that my case was still open and the new application was not submitted. On XX/XX/XXXX I received a call from BOA stating all documents for the new application have been submitted and I should be receiving a workout plan. Please not I did not submit new documents nor was new documents requested. I reviewed the portal and noted that ist stated my mortgage payment was due for XX/XX/XXXX. I reached back out and the representative stated she notices the payments were received, however she could not determine where the payments were applied. She did a conference call with customer service and we were told they will research and send the information via mail. I asked to file a complaint and also requested the federal agency to whom I could file a complaint with. I was only giving information to contact BOA complaint department. On XX/XX/XXXX, I logged into my BOA online account and access to my mortgage has been stated is unavailable. I believe this may be discriminatory and just plain fraudulent as in XXXX when our state had lay offs, I had the exact same problem and had to apply for assistance with BOA more than once although all instructions were followed. Please note my credit report also indicates that I am due several months past and BOA closed my credit card and decreased the limit on another although no payments were ever missed. Please help 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 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX, XXXX, I wired {$8800.00} to Shellpoint Mortgage Servicing ( Wire # XXXX ), confirmed by my XXXX XXXX XXXX XXXX bank statement. Shellpoint placed these funds in an unapplied suspense account and reported me as delinquent, creating a false default. On XX/XX/XXXX, a Shellpoint representative advised me to cancel my loan modification to receive the unapplied funds back. I complied. On XX/XX/XXXX, NewRez returned only {$2100.00}, leaving {$6700.00} unaccounted for. When I called to inquire, Shellpoint denied any unapplied funds existed. I submitted a formal Notice of Error ( NOE ) pursuant to 12 C.F.R. 1024.35 via XXXX XXXX XXXX XXXX on XX/XX/XXXX, delivered XX/XX/XXXX ( Tracking # XXXX ). Shellpoint failed to provide written acknowledgement within 5 business days as required by RESPA Regulation X. Their XXXX XXXX response denied all errors without substantive investigation. Additionally, Shellpoint charged my escrow for a lender-placed insurance policy ( XXXX XXXX XXXX ) under which I had XXXX coverage, confirmed in a writing by XXXX XXXX XXXX XXXX XXXX Vice President of XXXX XXXX XXXX XXXX XXXX Shellpoint also reported inaccurate property tax figures on my XXXX IRS Form 1098. NewRez filed foreclosure on XX/XX/XXXX based on a default their own payment mismanagement created.

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