vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The Citibank replied to CFPB complaint XXXX is not complete. The date, XX/XX/year>, that a fraud claim was opened is not correct. The fraud happened on XX/XX/year>, and Citibank gave us the file number XXXX XXXX on XX/XX/year>. Sixty days has elapsed. The 3 wire transfers were not authorized by us. Citi never told us they existed. We filed a fraud complaint on XX/XX/year>, to stop all activity on our bank accounts. On that day we saw 4 wire transfers Pending on our online account. Citi stopped one wire transfer, but not the other 3. The total of the three transfers was {$120000.00}.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding two unauthorized or fraudulent XXXX transactions totaling {$220.00}, and my financial institution 's failure to protect my account from a fraudulent actor. The details of the transactions are as follows : Transaction 1 : XX/XX/year> Sent via XXXX to " XXXX XXXX '' Transaction 2 : XX/XX/year> Sent via XXXX to " XXXX XXXX '' Total Disputed Amount : {$220.00} The recipient, XXXX XXXX, claimed to be a professional sports bettor offering educational courses and sports betting insights. I never received the promised courses, services, or materials. When I realized the nature of the scam and noticed the transactions, I attempted to contact the recipient to recover my funds. The recipient subsequently blocked my phone number and all social media accounts, and formally declined my XXXX request for a refund. Because these funds were obtained under fraudulent pretenses and the recipient has cut off all communication, I believe I have been the victim of a cyber-scam and financial theft. Desired Resolution Full Refund : I request that my financial institution reverse these fraudulent transactions and credit the {$220.00} back to my account. Investigation & Account Flags : I request a formal investigation into the XXXX account tied to " XXXX XXXX '' to prevent further cyber-crimes and financial fraud against other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Today XX/XX/year> Ive called XXXX and been disconnected XXXX and this is each and every time I call. Reps can not access anymore info than a customer can access themselves online. They will mess up your funds and then tell you theres no one else you can speak with. XXXX XXXX should not allow any company bro operate without alternative contact info. It makes it way too easy to get over on patrons

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Current Bank, my card was charged almost $ XXXX for XXXX XXXX and XXXX XXXX store charges. They rushed my dispute and declined me without any real investigations it was 50+ charges. I called the merchant an sat on the phone for at least an hour getting the information my self. The charges were from a different city and from a fraudulent account. Current didn't even try. I have provided the FTC report and awaiting the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
at XXXX. on XX/XX/XXXX deposited XXXXXXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX. Bank claimed computers down, when computers came available, bank failed to post money to account in a reasonable time. Last time this occurred it took XXXX days to resolve, an currently STILL waiting for money to post

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX I deposited a certified bank check ( {$20000.00} ) which was verified good by XXXX to the bank manager at Citizens Bank XXXX ( XXXX ), the deposit slip said 2 days hold. After 2 days still not in my account, I called they said XX/XX/year>, for a certified and verified bank check. Citizens told me I'd have to talk to the bank manager... I did that. They then promised XX/XX/XXXX by noon time. I called and at one point Citizens told me they don't verify checks and that won't work. The bank manager told me differently and that he did call and verified the funds. Now it is Monday XX/XX/year>. Still not one notice in writing, now saying XX/XX/year> it will appear in my account. This is unacceptable behavior by a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Chime Financial Inc
State: CA

Complaint narrative:
I am disputing an unauthorized charge of {$1400.00} on my Chime account ( ending in XXXX ). I reported this transaction as unauthorized on XX/XX/year> ( Claim ID : XXXX ). On XX/XX/year>, Chime notified me that they completed their investigation and determined no billing error occurred, with no specific explanation or evidence provided to support that conclusion. I did not authorize this transaction. I have obtained a copy of the XXXX XXXX XXXX that was purchased with my card, issued to a passenger named XXXX XXXX XXXX for flights from XXXX, XXXX to XXXX, XXXX departing XX/XX/year>. I have no connection to this individual and did not authorize or benefit from this purchase in any way. Chime 's denial letter provided no details about what information they reviewed or why they concluded the charge was valid. They are now adding the {$1400.00} to my next statement due XX/XX/year>. I am requesting that Chime reopen this dispute, provide the evidence used in their determination, and issue a full refund of {$1400.00} to my account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
Somebody stole my California drivers license around XX/XX/year>2025 and has been using my identity fraudulently. On XX/XX/scrub> 2025, an individual rented a vehicle from a XXXX rental location located approximately XXXXXX/XX/XXXX from my home using my stolen identification. I have never rented a car in my life, so I immediately recognized that this account and debt were fraudulent. The amount being claimed is {$3100.00}, and I dispute the debt in its entirety because it is not mine. As soon as I received the first invoice from XXXX, I called the phone number listed on the notice and reported the fraud. I was told that the account would be frozen, marked as fraudulent, and that I would not be responsible for the charges. Approximately XXXX month later, I received another invoice for the same debt with an updated date. I called again and was told the matter would be escalated to corporate and that I would receive an email response within XXXX to XXXX business days. After waiting approximately XXXX weeks without any response, I called again because I had no other contact option available. Once again, I explained the situation and was told the matter would be escalated to corporate and that I would hear back within XXXX days. No one ever contacted me. Despite repeatedly notifying XXXX that the account was fraudulent, the debt was eventually sent to collections through Viking Client Services. I am now being pursued for a fraudulent debt that I reported multiple times before it was ever sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: NC

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 2026-05-18 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
To whom it may concern, I have an account with Navy Federal Credit Union, which i have had XXXX to XXXX years. On XXXX second my telephone was hacked. I had no cellular service. I went in to the XXXX XXXX store and was advised my phone service had been transferred to another phone and that it had been hacked. Earlier in the day I went in to XXXX XXXX to get a new bank card because I was in the XXXX XXXX area. I had frozen the card maybe like a week before incase I found my old card. I tried to log into my Navy Federal account a few days later and could not log in my information had been changed. At this time I contacted Navy Federal to have my account reset. This is when I noticed a XXXX transfer from my credit card. I then called the fraud department and made a report. The money was put back then a day later it was taken out again and advised that I was responsible. I had no other accounts to transfer to. I was advised by Navy Federal it was sent to a XXXX XXXX account. The account I had with XXXX XXXX had no activity since XXXX. I even had to file a fraud report with XXXX XXXX regarding my phone. I have filled out appeal forms with Navy Federal and nothing has been done. I do not feel I should be responsible for this debt that I did not do. I am not even sure how that amount of money can be transferred when there is a limit with the credit card. Please assist me in anyway possible. I am very upset by this thinking my money is safe and have been banking with them for so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
RE : ESCALATION OF MATERIAL OMISSION AND SYSTEMIC NON-COMPLIANCE BY PENNYMAC LOAN SERVICES , LLC XXXX CROSS-REFERENCE CLOSED CFPB CASE NO : XXXX SUBJECT LOAN NUMBER : XXXX I am filing this new, distinct complaint because PennyMac Loan Services , LLC has submitted materially false and incomplete accounting data to a federal regulatory agency in response to my previous inquiry. In their formal response dated XX/XX/XXXX, PennyMac Specialist XXXX XXXX stated that because PennyMac has no record of receiving personal funds from me beyond a {$560.00} payment, my loan " remained delinquent for your XX/XX/XXXX payment and all subsequent payments. '' This statement is a severe operational misrepresentation that completely ignores an executed federal housing contract. The New Fact/Evidence : XXXX On XX/XX/XXXX, PennyMac and I executed a binding FHA XXXX Recovery Standalone Partial Claim Agreement ( subordinate HUD lien ). Under this contract, HUD physically advanced {$21000.00} directly to PennyMac. The express, legally stated purpose of this {$21000.00} advancement was to " bring the loan current. '' Furthermore, the contract legally deferred my next regular monthly payment obligation to XX/XX/XXXX. PennyMac accepted the {$21000.00} from HUD but failed to synchronize its automated billing systems with its loss mitigation department. As a result, PennyMac 's credit desk reported me as " XX/XX/XXXX Days Past Due '' for XXXX, XXXX, XXXX, and XX/XX/XXXX. It is a commercial and legal impossibility under Metro 2 data standards to report a consumer XX/XX/XXXX days delinquent during months where an active corporate contract brought the loan current and deferred all payments. Furthermore, the loan was completely satisfied and paid to a {$0.00} balance via a title wire transfer on XX/XX/XXXX. PennyMac 's year-end statement confirms this XXXX balance, yet they continued to report an active, rolling XXXX-day default through the end of XXXX. By stating the loan " remained delinquent, '' PennyMac 's executive unit has admitted in writing that their system completely failed to account for a {$21000.00} federal modification payment. I demand that PennyMac conduct a manual accounting audit of the physical XX/XX/XXXX contract, override their automated billing data string, submit a Universal Data Form ( XXXX ) to permanently delete the late marks from XXXX through XX/XX/XXXX, and issue an official Regulatory Error Correction Letter. Note : The physical, signed XX/XX/XXXX FHA contract proving the {$21000.00} satisfaction of arrears is attached to this complaint as primary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi Bank account was opened XX/XX/XXXX2025 for the purpose of legal online gambling. Initial deposit was {$30000.00} that was transfered from my XXXX XXXX XXXX account. Winnings were then deposited into the account from XXXX and XXXX. Winnings were then transfered to another Citibank account of my spouse. In XXXX, 2025, Citi Bank closed my account with no access to the remaining funds and no communications as to why. After many phone calls and a physical visit to the bank, I was still not told where my funds were. In XXXX 2026, my initial {$30000.00} was received by me with no letter or communications. Including no communication as to the balance remaining of {$51000.00}. I was only told to contact their fraud department. I have contacted their fraud department as recommanded by Citi Bank and still no explanation as to when or why my balance of {$51000.00} would be returned to me. Only that it was confiscated.

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 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am filing this complaint regarding the handling of my mortgage escrow account by XXXX. My mortgage loan has been serviced through an escrow account intended to collect and pay property taxes and insurance obligations. Over the past several years, significant problems appear to have occurred involving escrow administration, tax disbursements, escrow refunds, and escrow shortage calculations. Despite escrow funds being collected as part of my monthly mortgage payment, multiple MUD tax obligations from prior years were not timely paid. My wife and I later received delinquency notices and communications from third parties regarding unpaid MUD taxes, including penalties and interest charges resulting from late payment. At the same time, my escrow account reflected large positive balances, and PennyMac issued substantial escrow refunds to me, including refunds of approximately {$8500.00} and later approximately {$16000.00}. Despite those large escrow balances and refunds, my escrow account later became severely negative, eventually resulting in an escrow shortage exceeding {$24000.00}. PennyMac then notified me that my monthly mortgage payment would increase from approximately {$2100.00} to approximately {$4700.00} beginning XX/XX/year> due primarily to escrow shortage repayment. According to the escrow analysis provided by PennyMac, the projected ongoing payment after repayment of the shortage would be approximately {$2700.00}, indicating that the much higher payment amount is tied largely to repayment of the escrow deficit. I am concerned that escrow servicing and escrow analysis calculations may not have been properly handled. The sequence of events raises serious concerns regarding : - timely disbursement of escrowed tax obligations, - calculation of escrow surpluses and shortages, - issuance of large escrow refunds despite later major shortages, - and the resulting penalties, interest, and financial hardship experienced by my household. My wife and I have incurred thousands of dollars in penalties and interest associated with delinquent MUD taxes. The sudden increase in required monthly payments has also created severe financial strain. I previously contacted PennyMac directly requesting : - a complete escrow review, - clarification regarding escrow calculations and tax disbursements, - confirmation of tax payments made, - review of the escrow shortage calculations, - and assistance with extending or restructuring the escrow shortage repayment period. At this time, I am requesting review and assistance regarding the servicing and administration of my escrow account, including clarification of escrow calculations, review of the tax disbursement history, and review of the financial harm caused by the handling of this escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
FORMAL CFPB COMPLAINT AND DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED CHARGE-OFF ACCOUNT, FCRA, FDCPA, AND TEXAS LAW VIOLATIONS. To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNT INFORMATION Collection Agency / Furnisher : LVNV FUNDING LLC c/o RESURGENT CAPITAL SERVICES Original Creditor : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount : {$1100.00} Reported Balance : {$1100.00} To Whom It May Concern, I am filing this formal complaint regarding the continued reporting and collection of a disputed and unverifiable charged-off account associated with LVNV Funding LLC and XXXX XXXX XXXX XXXX . More than thirty ( 30 ) days ago, I mailed a formal debt validation request demanding complete verification of this alleged debt pursuant to federal and Texas law. To date, LVNV Funding LLC and/or Resurgent Capital Services have failed to provide any response, validation, proof of ownership, or documentation establishing the legal enforceability of this alleged debt. Despite failing to validate the debt, the account continues to be reported to consumer reporting agencies, causing ongoing harm to my consumer credit profile. FAILURE TO VALIDATE AND VERIFY I requested complete validation and documentation, including but not limited to : Original signed credit application or agreement Complete account statements from account opening to charge-off Full itemized accounting of all charges, fees, interest, and payments Proof of mailing of billing statements to my legal address Full payment history Proof the balance being reported is accurate and legally enforceable Proof of assignment or transfer to LVNV Funding LLC Complete chain of title documentation Proof LVNV Funding LLC possesses lawful ownership of the account Proof LVNV Funding LLC possesses the legal right to collect this alleged debt Copies of any IRS Form XXXX relating to cancellation or discharge of debt This information has not been properly provided. TEXAS LAW VIOLATIONS AND LACK OF LEGAL AUTHORITY This alleged debt originated and/or was collected in connection with the State of Texas. Under Texas Finance Code Chapter 392, third-party debt collectors operating in Texas are required to maintain and file a {$10000.00} surety bond with the Texas Secretary of State before engaging in debt collection activities within the State of Texas. After review of publicly available Texas Secretary of State information, I have been unable to verify : Any valid Texas surety bond filing Any verified bonding company Any proof of compliance authorizing LVNV Funding LLC or Resurgent Capital Services to legally collect debts in Texas Because no verified Texas bond filing or compliance documentation can be located, substantial concerns exist regarding LVNV Funding LLCs legal authority to collect or furnish information regarding this alleged debt.

Company response to consumer: Closed with explanation