vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
To : Jefferson Capital Systems , LLC Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX RE : CEASE AND DESIST - 15 U.S.C. 1692c - IDENTITY THEFT Name : XXXX XXXX | SSN : XXXX | DOB : [ INSERT YOUR DATE OF BIRTH ] Account # : [ INSERT JEFFERSON XXXX XXXX ACCOUNT NUMBER ] To Whom It May Concern, I am a victim of identity theft. The XXXX account you are attempting to collect on was opened fraudulently without my authorization. I have never paid a single cent toward this debt because it is not mine. This situation has caused me extreme hardship, including homelessness and the loss of my ability to work. Under 15 U.S.C. 1692c, this is your formal notification to CEASE AND DESIST all communication with me regarding this debt. Do not call my phone, leave voicemails, or use my voice for any purpose. Further reporting of this fraudulent debt to credit bureaus or any further contact attempts will be considered a willful violation of the FDCPA and FCRA. I am prepared to seek maximum damages in federal court. Enclosed : FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've already submitted 2 complaints and I did all the necessary documents thats was needed to verify and sent it to citi bank ... And yet no response after months they are still asking for more time

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Chex System & XXXXXXXX XXXX has fraudulently used my information, I would like to 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 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This matter was originally entered XXXX with the CFPB. A response was given by Wells Fargo but I did not see the response or I would've responded to Wells Fargo 's very weak response with Documented Evidence with articles of Wells Fargo 's negligence on exactly what I reported. So, here is my response today, XX/XX/year> : I am writing to formally inquire about the denial of my applications for both a home loan and a business loan submitted through Wells Fargo Bank on two separate occasions. As a customer who maintained checking and savings accounts with Wells Fargo for over four years, I believed my relationship and financial profile would be fairly considered. At the time of my applications, my credit score was above XXXX and I had a stable income. I am seeking clarification regarding the specific reasons for these denials, as I have reason to believe that similarly qualified applicants, including those with comparable or lower credit scores and income, were approved. Due to these concerns, I request a thorough review of my applications and the decision-making process. Additionally, I would like information regarding any steps needed to address this matter moving forward. Thank you for your time and attention. I look forward to your response. To the CFPB- I am entering Evidence to Well 's Fargo 's negligence Via articles from well-known publications. I'm Sure if CFPB does a Cursory investigation it will find much evidence to attribute to my complaint. EVIDENCE : 1. ) XXXX XXXX XXXX XXXX 2. ) XXXX XXXX XXXX XXXX If the CFPB requires additional proof, I will gladly supply additional proof. Thank you.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
The debt collection company that keeps emailing me is called TrueAccord. The email is addressed to a XXXX XXXX XXXX. I have repeatedly replied and explained that I am not the person they are trying to reach. My middle initial doesnt start with a G, and my last name is not now nor has it ever been XXXX XXXX Ive asked them to stop emailing me, and they continue to. Ive asked them to verify my birthday and social security number, and they haven't. I do not carry any debt in collections and find it alarming every time I see their email. I would like help getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I previously submitted a complaint to the CFPB regarding servicing issues with MOHELA related to my federal student loans under the XXXX repayment plan. My complaint focused on actions and account handling that occurred prior to recent court-related changes to the XXXX plan. I submitted my original complaint on XX/XX/2025 ( complaint ID : XXXX ). MOHELA did not respond within the typical response timeframe. When they eventually responded, the response consisted largely of template language referencing recent court rulings affecting the XXXX plan. The response did not address the specific issues I raised, which related to servicing actions that occurred before those rulings. Specifically, MOHELA failed to : Address the timeline of servicing actions prior to the court-related SAVE plan changes Provide a substantive explanation of the account handling I questioned Respond directly to the concerns outlined in my original complaint Provide documentation supporting their position Instead, the response relied on general statements about the XXXX plan and did not investigate or resolve the issues I raised. As a result, my concerns remain unresolved. Because my original complaint was closed without addressing the substance of my concerns, I am submitting this follow-up complaint requesting a proper review and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am reaching out again regarding an issue that has now been ongoing for several months and remains unresolved. In XX/XX/XXXX and again in XX/XX/XXXX, I reported a fraudulent credit card account that was opened in my name without my authorization. I was assured both times that the matter would be investigated and resolved, and I was told not to worry. Shortly after, the account appeared to be removed from my credit report, which led me to believe the issue had been handled. However, in XX/XX/XXXX, I applied for a Wells Fargo credit card and, after submitting extensive identity verification documents including my drivers license, passport, utility bill, paystub, and IRS Form XXXX, I was approved for the XXXX XXXX card . When I set up my online access, I discovered that the fraudulent Wells Fargo XXXX card ending in XXXX was still listed under my profile. It is currently showing a balance of {$21000.00} and continues to accrue interest. This account was reported as fraudulent months ago, and I am extremely concerned that it remains open and active despite my previous reports and your assurances. I am requesting immediate action to close this account, remove all associated charges and interest, and confirm that this will not impact my credit or financial standing. I am very disappointed that this situation has not been fully resolved and expect prompt attention to correct 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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was a victim of identity theft and identity fraud while I was in the hospital for XXXX months. I reported it over to navy federal and together as a bank they denied my claim and fail to give me my money that is insured and have accused me of collaborating with the fraud. This has been going on since XXXX and has brought me a lot of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BTH Management
State: TX

Complaint narrative:
I have been contacted numerous times from this company plaza services and they have sent me plenty of emails stating I owe them money and that by Texas law they can not sue me and wont report to credit bureaus and I have checked my credit report and they have reported. Which is fraudulent and misrepresenting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: NJ

Complaint narrative:
On XX/XX/year>, I rented a car from XXXX XXXX XXXX XXXX. My prepaid reservation totaled {$210.00}, and all mandatory fees were disclosed at the time of booking. At pickup, the merchant added a new charge labeled Handling Insurance Fee Plus, which was never disclosed during the reservation process. This fee was {$7.00} per day plus 16.5 % tax and was described as mandatory if I declined their XXXX coverage. This is not a normal insurance product or a service ; it is a penalty for declining coverage. I arrived after a long shuttle delay and had no practical alternative at that hour. The merchant refused to release the vehicle unless I accepted the undisclosed fee. This resulted in a baitandswitch situation where the actual required price was significantly higher than the reservation price. I disputed the charge with my credit card company. The bank denied the dispute solely because I signed the rental agreement at pickup. This does not address the core issue : the fee was not disclosed at the time of reservation and was not optional. I attempted to reopen the dispute with a detailed written explanation, but the bank again refused to reconsider the case and their online system now blocks me from submitting a corrected dispute basis, stating that the transaction has already been disputed. I requested information from both the merchant and the bank, including documentation showing where this fee was disclosed during booking. Neither party provided this information. I am asking the CFPB to require the bank to reopen the dispute under the correct basis ( misrepresentation / undisclosed mandatory fee ) and to investigate whether the merchant failed to honor the reservation terms.

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 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Subject : Formal Complaint : Inconsistent Reward Points Application and Misleading Practice Dear Robinhood Support Team, I am writing to formally lodge a complaint regarding the inconsistent application of rewards points on my account for tax payments made recently. I have XXXX transactions made to the same IRS-authorized tax processor within a short period. The first transaction was successfully processed and awarded 3 % cash back. However, the second transaction of {$3000.00} was flagged as " Cash-like '' and earned XXXX points. I find your previous response regarding " updated policies '' to be unacceptable for the following reasons : 1. Inconsistency : Both transactions were made to the exact same merchant. If the merchant category was eligible for the first payment, it should remain eligible for the second, unless a clear change in terms was communicated prior to the transaction. 2. Lack of Transparency : I was never notified of a mid-billing cycle policy change regarding tax payments. I relied on the 3 % cashback promiseand the successful precedent set by my first transactionto justify paying the significant credit card processing fees charged by the tax site. 3. Financial Loss : Due to this sudden and unannounced reclassification, I have incurred a direct financial loss from the processing fees, which I would not have authorized had your system correctly flagged the first transaction or provided prior notice. I request that you honor the 3 % rewards for this {$3000.00} transaction as a one-time courtesy, given the inconsistent behavior of your rewards engine. I value my relationship with Robinhood Gold, but this experience has been highly misleading. I look forward to a resolution that honors the promised rewards. Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: NY

Complaint narrative:
I began as a client of Clarity when XXXX XXXX sold the account to them end of 2022. I signed on with XXXX XXXX with debts and a payment plan set up to settle the debts for $ XXXX from October 2022-Februry 2027 and the debts should be negotiated and paid. Was following the NY XXXX debt relief offering. Almost immediately, after Clarity got my account they began asking for more and more money while " working '' to settle my accounts. I was not able to do such so I kept asking them why couldn't they ever seem to get things settled with the amounts they're already being paid with monthly withhdrawls from my account as was the original offer. I asked them this past summer to give me a figure they might be able to settle all the rest of the accounts- {$24000.00} - and I gave them this money. I received an email from negotiator XXXX XXXX on XXXX that read " WE HAVE REACHED A SETTLEMENT - CARE CREADIT - $ XXXXPLEASE RESPOND YES '' and immediately I did. I called them and sang praises to them for finally actually benefiting the client! Was a song sung too soon! Five weeks later, XXXX, while checking my paycheck stub for Friday I found I was being garnished by XXXX XXXX ... I called them immediately to discuss this and they refused to discuss the issue with me. I asked for an escalation to a super - was XXXX XXXX- who called a few days later - and would not review anything with me about the settlement and told me I'm just confused. The elephant in the room is not going away. I'm being held liable and being injured financially for their either error or their dropping the ball on something. I SHOULD NOT PAY FOR THEIR MIKSTAKE AND IGNORING IT AND TRYING TO PUT IT ON THE CLIENT WITH NO JUSTIFICATION BREACHES EVERYTHING!!! I need to be made whole for the continual loss of pay and feel their error should be financially endured by them NOT me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I switched from XXXX to XXXX. XXXX had a deal where they would pay any fees with previous company by switching to them. XXXX kept refusing to send the proper information to XXXX to get the {$910.00} resolved. After months of begging and calling, I finally got it handled. But then, XXXX decided to sell my " debt '' to Jefferson Capital, even though it had already been paid. I told this information to Jefferson Capital. They made it very clear they did not care. I have called XXXX and they said they can not deal with it or help me since it's in Jefferson Capital 's hands. Yet, Jefferson Capital refuses to accept the truth and keeps trying to go after me for a debt that has been paid. After disputing and going back and forth for YEARS, the dispute was " Resolved '' on XX/XX/XXXX. Yet today ( XX/XX/XXXX ), I just had my credit drop XXXX points for a {$910.00} debt that does not even exist!!! This scare tactic and fear tactic to try and get money from me with Jefferson is absurd. It's also disgusting. XXXX is the one who sold Jefferson a fake debt... so they should be going after XXXX instead of ME! How sick and vile to go after a person who has done nothing wrong instead of going after XXXX who sold them the fake debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: CT

Complaint narrative:
XXXX issued a full refund of {$150.00} on XX/XX/year>. This should have settled my installment loan and triggered a refund of my initial {$57.00} payment to my debit card. Instead, Klarna placed the refund in a digital wallet ( 'Klarna Balance ' ) and is still showing an active debt of {$100.00} on my account. For over XXXX weeks, I have attempted to resolve this through their 'Report a Return ' process and live chat. Support agents refused to escalate the issue to a supervisor and gave me instructions to pay the order manually that were blocked by their own system. Klarna is effectively withholding my refund and refusing to close a loan that has already been settled by the merchant. They continue to give the runaround on this matter and try to act like they're telling you something, when in actuality they are attempting to gaslight and manipulate you into doing their job with all the risks involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: TX

Complaint narrative:
I have two problems issue mortgage company named Newrez/ShellPoint i sent in an a assumptions request for release form of removal. They emailed me back XXXX XXXX. With the forms of what I need two fill out before due date XXXX XXXX. So the loan modification was assigned XXXX XXXX. Divorce decree was fax and received XX/XX/XXXX, Quit Claim Deed faxed XXXX XXXX and V. A. Release request form was sent by email XXXX XXXX. I was not able to talk to someone from Newrez but only through email at XXXX. But always spoke with Shellpoint Mortgage company. By XX/XX/XXXX Newrez sent an email to me and my divorced Veteran, saying, I was no longer financially responsible for the mortgage loan. But since then my name was still under the loan still responsible i call them XX/XX/XXXX and they said, they transferred the mortgage to a different company name XXXX as known as Onity mortgage. When I talk to the company of ShellPoint mortgage I asked them why they haven't removed me and they wasn't sure why but that person did document it in their fowls, taking a note. But nothing has gotten resolved. A sense, XX/XX/XXXX. I'm at the new company, XXXX and I resent them every document that was received by Newrez/ShellPoint.... Send them a request of removal due to speaking with someone under XXXX XXXX at research @ mortgage family.com XXXX XXXX due to a late reply, they didn't transfer the mortgage information completely, but I received a letter XXXX XXXX saying they received all the information that I sent and the company I was basically still have me responsible due to the transfer from the old mortgage company. Now the mortgage is passed due to where it have to be current for me to be removed and I supposed to be removed since XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company : Citibank Product : Credit Card Issue : Billing dispute / Annual fee charged for undelivered and unused card Complaint : I am submitting a formal complaint regarding a {$590.00} annual fee charged to a credit card account ending in XXXX. I applied for an XXXX XXXX XXXX credit card with Citibank in XX/XX/XXXX. The card was never delivered to me, I never activated it, and I have not used any benefits associated with the account. I was never notified that there were any issues with delivery or that the card could not be successfully delivered. Despite this, Citibank charged a {$590.00} annual fee. The account was later blocked and ultimately closed. On XX/XX/XXXX, I contacted Citibank customer service and was informed that the XXXX cancellation period had passed. During that same call, I was told that a fee waiver could be requested. However, the waiver was never granted. Since then, I have spent significant time attempting to resolve this issue, including a recent call lasting over XXXX minutes. Throughout these interactions, I received inconsistent and contradictory information from Citibank representatives regarding my options and the status of my account. Citibank is now requiring me to pay a {$590.00} fee for a credit card that I never received, never activated, and never used. I believe this charge is unjustified and represents improper billing for a product that was never delivered. Resolution Requested : Full reversal of the {$590.00} annual fee Written confirmation that the account is closed with a XXXX balance Confirmation that no negative information related to this matter will be reported to any credit bureau I am a long-standing Citibank customer and expected fair treatment and a reasonable resolution. I am requesting that this matter be reviewed and resolved promptly.

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