vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: DEBT 0, INC
State: FL

Complaint narrative:
Complaint description On XX/XX/XXXX, I enrolled in a debt settlement program with Deuda Cero to resolve a credit card debt owed to XXXX Bank in the approximate amount of {$13000.00}. The company represented that they would negotiate with my creditors and help resolve my debts through settlements if I enrolled in their program and made monthly deposits. As part of the program, I was required to make recurring monthly payments of approximately {$280.00} into the account associated with the program. I made payments into the program in good faith and relied on the companys representations that they would negotiate and resolve the debt. Over time, I paid approximately {$3900.00} in payments and program-related fees. Despite these payments, the company did not resolve the debt. Instead, the creditor pursued legal action against me. On XX/XX/XXXX, XXXX XXXX XXXX ( successor to XXXX XXXX ) filed a lawsuit against me in XXXX XXXX XXXX XXXX Case Number XXXX, for the same debt that the company claimed they were negotiating. This lawsuit was filed while I was actively enrolled in the program and making the required payments. The company collected thousands of dollars from me but did not successfully negotiate a settlement or prevent the account from escalating to litigation. As a result, I paid substantial fees for a service that failed to deliver the promised outcome. I am now facing legal action from the creditor while the debt settlement company collected significant payments. I believe the company misrepresented the effectiveness of their services and engaged in unfair or deceptive practices by collecting fees without successfully resolving the debt. Requested resolution I am requesting the following : A full accounting of all funds I paid into the program. A refund of all program fees collected. Confirmation that my account has been terminated and that no further fees will be charged. Documents attached The following documents are available and can be provided : Debt settlement contract with Deuda Cero XXXX records showing deposits into the program Court records showing the lawsuit filed by XXXX XXXX Written notice terminating the program

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 2026-03-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding a credit card dispute that was closed by Citibank without addressing the underlying issue. The transaction is from XXXX for {$85.00} on XX/XX/XXXX. The merchant confirmed that a refund is owed but failed to successfully process the credit. On XX/XX/XXXX ( Reference # XXXX ), XXXX confirmed the refund would be processed. The credit never appeared on my account. I contacted the merchant again on XX/XX/XXXX ( Reference # XXXX ). They acknowledged that the earlier refund attempt failed to transmit and stated that the refund had been resubmitted. Despite these confirmations, no refund has been posted to my Citibank account. I filed a dispute with Citibank under the credit not processed dispute category. However, Citibank closed the dispute stating my response was received after their XX/XX/XXXX deadline and therefore they would not continue the investigation. The merchant has admitted that the refund is owed, yet the charge remains on my account. I am requesting that Citibank reopen the dispute or allow the dispute to be refiled so the matter can be properly investigated and the refund credited.

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