vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint regarding M & T Banks handling of my debit card dispute involving a charge from XXXX XXXX XXXX. On XX/XX/year>, I was charged {$400.00} by XXXX XXXX XXXX. I disputed this transaction with M & T because I believe the charge was not supported by accurate and reliable documentation. I provided information and supporting evidence explaining my concerns and was informed that documentation had been uploaded as part of my dispute. The evidence I provided included concerns regarding inconsistencies in the veterinary records used to support the charge. Specifically, the timestamp shown on my pets ultrasound documentation does not match the actual timeline of events. The timestamp does not align with the time we arrived, the time we were seen, or the time my pet was taken back for the ultrasound procedure. Because of this discrepancy, I questioned the accuracy of the records being relied upon to justify the charge. Despite submitting this information, M & T denied my dispute. I was not provided a clear explanation of how my evidence was reviewed, what documentation was considered, or why the evidence I submitted did not support my claim. After learning of the denial, I requested that M & T reopen the dispute and reconsider the information provided. My request to reopen the dispute was denied on the same day it was submitted. I was not notified of this denial and was not given a meaningful opportunity to respond, provide additional documentation, or address any issues with the review. I am concerned that my dispute was not thoroughly investigated and that the evidence I provided was not properly considered before a final decision was made. I am requesting that M & T Bank : Conduct a complete review of my dispute and all supporting documentation submitted. Provide a detailed explanation of how the dispute was evaluated and why it was denied. Explain why my request to reopen the dispute was denied the same day it was submitted. Reconsider the dispute decision based on the documentation and evidence provided. Refund the disputed amount if the review confirms that the transaction was improperly processed or supported by inaccurate documentation. I am seeking a fair review of this matter and transparency regarding the handling of my 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 monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or 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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This company never contacted me within XXXX days of purchase I do not owe this debt I switched insure companies now they say I owe them I want validation and chain of custody and this to be deleted from my credit report they reported I owe XXXX amount and then changed it to a lower amount but I never paid any money to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Applied online through their Bonus offer page for Business Fundamentals Checking acct Bonus Chart Balance Requirement Cash Bonus Tier ( Maintain $ from day XXXX through day XXXX ) $ XXXX {$400.00} $ XXXX {$750.00}. I completed the terms and conditions in order to receive the {$750.00} BONUS. ( Maintained {$15000.00} in account between day XXXX and XXXX ) It should have been deposited by today at the very latest. I did NOT receive 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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage has assumed my mortgage from a previous lender. Reflective in their billing to me each month are " late fees ''. These late fees were removed by my previous mortgage lender but arise in my Freedom Mortgage billing. I have been late on XXXX occasion to Freedom Mortgage and I called XXXX times to review this XXXX late charge along with the previous lender 's late fees. Each time, I am told by the Freedom Mortgage customer rep, " you must speak with a XXXX to eliminate those fees ''. Each time I have been placed on hold for more than XXXX minutes with no one picking up! I have complained numerous times to their customer service people and NO ONE has responded to my complaint. Freedom mortgage reported my XXXX late payment to the credit bureaus and my score decreased from XXXX to XXXX! this is ridiculous and Freedom Mortgage needs to remove my XXXX late fee along with late fees currently showing they aren't paid. I am a senior citizen on a fixed income and feel Freedom Mortgage is clearly trying to make my situation difficult!

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 2026-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

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 2026-07-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing this complaint because Citi representatives provided me with incorrect information regarding a retention offer, and despite acknowledging that I was given incorrect information, Citi has refused to honor the offer that was communicated to me. In XX/XX/year>, I contacted Citi to cancel my Citi XXXX credit card. During that call, the representative offered me a {$95.00} statement credit if I kept my account open and spent {$1000.00} between XXXX and XX/XX/year>. Based on that representation, I decided not to cancel my account and instead used the card to complete more than {$1000.00} in purchases. After meeting the spending requirement I understood had been given to me, I did not receive the promised statement credit. I contacted Citi in XX/XX/year> and was told that the credit would be issued later in XXXX. When it still had not posted, I called again later in XXXX and was told it would be issued in XXXX. These conversations reinforced my understanding that I had satisfied the requirements of the retention offer. On XX/XX/year>, I contacted Citi again because the credit had still not been applied. During that call, I was informed for the first time that Citi believed the offer actually required spending {$1000.00} in each of XXXX, XXXX, and XXXX, rather than {$1000.00} total during the promotional period. I escalated the matter and later followed up with Citi by phone. During that follow-up call, the representative informed me that Citi had determined I had been given incorrect information about the retention offer. However, despite acknowledging that its representatives had provided inaccurate information, Citi stated that it would not honor the {$95.00} statement credit or provide any accommodation. I relied on the information provided by Citi when deciding not to cancel my account and when directing my spending to this credit card. Had I been accurately informed that the offer required {$1000.00} in spending during each of XXXX separate months, I would have made different decisions regarding my spending and whether to keep the account open. I am not asking Citi to change the terms of its promotion. I am asking Citi to honor the retention offer that its representatives communicated to me and upon which I reasonably relied. Citi has acknowledged that I was given incorrect information but has refused to honor the promised statement credit. I respectfully request that Citi review the recordings of my calls, the account notes, and any chat records associated with my account, and provide the {$95.00} statement credit that I was promised when I chose not to cancel my account.

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 2026-07-07 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: GA

Complaint narrative:
Someone hacked my accounts used my credit cards to make unauthorized transactions. Applied for a credit card under 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 explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Applied through their online offer for a Business Advantage Fundamentals Banking I completed the bonus offer for {$750.00}. The {$750.00} should have posted by today. Bonus Chart Balance Requirement Cash Bonus Tier {$5000.00} {$400.00} {$15000.00} {$750.00}. I completed the {$15000.00} requirement and am due {$750.00} * * DAYS 31 through 90 {$15000.00} must be in the account and then {$750.00} bonus will be deposited within 60 days from that date ( COMPLETED all of THIS )

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 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I purchased a Hyundai in XX/XX/XXXX and financed with Hyundai Motor Finance. ( Account # XXXX ) I refinanced the loan with my credit union XXXX XXXX XXXX XXXX XXXX ) in early XX/XX/XXXX. My credit union informed me that they have not received the title for the car, which is titled in my name and has XXXX as lien holder. Hyundai stated it was sent electronically to the VA DMV, as that is where XXXX is located ( I am in Georgia ). VA DMV says they have no record of the title, and Ga also has no record of the title. I spoke to XXXX XXXX today ( XXXX, this was my 4th call to Hyundai ) and she told she could not release any title information to me as I was no longer the owner of the vehicle. She stated that she did not have a supervisor and could not escalate my request. She then told she was the sole authority on information regarding my title. She did give me the title number ( XXXX ) after several minutes of me reminding her as the owner of the vehicle I had a right to that information, but could not provide me any information that would help me track down where the title went. In the meantime, my credit union has changed my loan to an unsecured loan, and it took over a dozen calls to get them to change my loan back ( it was changed to 18 % ) and get my additional interest removed. However, they rightfully want the title to show them as a lien holder.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-07 00:00:00
Product: Mortgage — FHA 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: Sombrero Capital LLC
State: NC

Complaint narrative:
Covey Financial is violating RESPA guidelines. They verbally denied my loss mitigation request based on incorrect system data, falsely claiming I bought my home in XX/XX/XXXX ( I bought it in XX/XX/XXXX thrXXXX XXXX XXXX XXXX ). Today, they messaged me stating I am on a foreclosure list and falsely claimed they 'do not have a mitigation department. ' However, their own website lists a XXXX XXXX Department at ( XXXX ) XXXX. They are actively deceiving me, refusing to accept loss mitigation documents, and pushing a wrongful foreclosure based on flawed internal account data.Covey Financial is actively denying my mortgage modification based on completely false account data. They claim I bought my home in XX/XX/XXXX. I actually purchased it in XX/XX/XXXX through XXXXXXXX XXXX XXXXXXXX. They are refusing to correct this internal system error and are using false data to block my consumer right to loss mitigation.Furthermore, Covey Financial is continuing to pile predatory late fees onto my account while actively blocking my legal right to apply for the very modification that would waive them.I have demonstrated complete good faith by making a direct payment of {$2000.00}, which reduced my past-due balance to approximately {$1400.00}. Despite this significant payment and my stable income, Covey Financial is still refusing to modify the remaining balance.

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 2026-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
This occurred because of recent transition of the company XXXX XXXX was in process of changing Servicers, on different phone calls and on line communications I was told that between XXXX XXXX XXXX XXXX XX/XX/year> that I could not make payments because of their transition each time we tried to pay we were told to call back later, the complaint is very simple we always had as agreement wanted to participate in the Trial Plan which was part of our Loan Modification. On XX/XX/year> a notice was sent to us ( See Attached letter ) in regards to this fact that we no longer accept terms of the agreement, this is not true. We have made every attempt to pay the amount in which we agreed upon, both payments have been made in the amount {$1500.00}, on XXXX XXXX for XXXX payment and another on XXXX XXXX for the same amount from our checking account. Our XXXX payment have yet to be sent, we told to call back in XXXX weeks, in which it will XXXX XXXX. In the meantime I received these enclosed letters, XXXX which is a Cancellation Notification and another that says Veterans United Home Loans serviced by XXXX XXXX XXXX XXXX XXXX ( XXXX serviced by XXXX ) This action should have been taken more seriously this a delicate matter. Thanks for your cooperation in this matter.

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 2026-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We have requested the payoff amount multiple times. We have had this XXXX mortgage, it only 10 years and {$26000.00} ( approximately 36 payments ) remaining. We first requested this payoff on XX/XX/XXXX. On XX/XX/XXXX, we spoke with XXXX XXXX, who opened case number XXXX and informed us it would take 6 to 7 business days to receive an answer. When we followed up on Monday, XX/XX/XXXX, we were informed that the case had been closed due to " incorrect information. '' Please note that we had to call to find this out ; no one contacted us to notify us of the issue. During that call, we asked to speak with a manager and were connected with a Newrez manager named XXXX XXXX. He provided us with a new case number : XXXX. Today, XX/XX/XXXX, both my husband and I left messages. XXXX called me back and stated that he now needs an appraisal dated within the last 75 days. We have this document and are emailing it to him immediately so he can forward it to the appropriate department. We are now just 7 days away from closing. XXXX indicated we might not hear anything back until Friday. If that is the case, it leaves us with only the weekend to pack an entire house into storage.

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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am submitting this complaint regarding Citibank 's decision to close my Citi/AAdvantage Executive World Elite Mastercard account XXXX in XXXX. On XX/XX/year>, I received written notice from Citibank stating : " We're unable to issue you a new card because you're currently enrolled in a repayment program for this account or another credit card issued by Citi. '' [ Document | XXXX ] This statement is inaccurate. I am not enrolled in any repayment program, hardship program, debt management plan, or similar arrangement for this account or any other Citi credit card account. After receiving the letter, I called Citibank for clarification. During that conversation I was provided a different explanation. I was told the decision resulted from my being over my credit limit multiple times. The written explanation and the verbal explanation are inconsistent. I am requesting that Citibank : Identify the account allegedly enrolled in a repayment program. Explain the source of that information. Correct any inaccurate records. Provide an accurate explanation for the adverse action. Reconsider the account-closing decision if it was based on incorrect information. I am concerned that Citibank either relied upon inaccurate information or provided an inaccurate reason for its action. I am seeking a written explanation and correction of any errors.

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