vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: ME

Complaint narrative:
Received a letter from Citibank saying my c/c application was incomplete. I contacted citi by phone to report this app as fraudulent. I was told that the only way they could look up the app was with my SSN. I do not want to give this out over the phone, considering that there may already be a problem. Phone rep was pleasant but insistent that they need my SSN to even look into it. I offered the app ID number or the reference number ( in the letter ) but that was denied as a route to look up the app. Very frustrating.

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 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear all : I am non resident alien with saving accounts at Wells Fargo Bank. I submitted a valid XXXXform, yet the bank has been applying monthly tax withholding on may account for over two years. I have made multiple attempts to resolve this issue, including traveling to the United States and visiting Wells Fargo Branches in XXXX. I also escalated the issue to branch management, but no solution has been provided. According to IRS rules, bank deposit interest paid to nonresident aliensshould not be subject to withholding tax. Despite this, Wells Fargo continues to apply withholding every month. This situation indicate a serious error in how my account is being classified or handled. I am requesting : * Inmediate correction of my tax status * A full refund of all improperly withheld funds * A full refund of my traveling expenses that i have to made to solve the problem * A formal explanation of the issue Wells Fargo has failed to resolve this issue despite repeated attempts over a two-year period.

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Response to Submitted Contract Disclosure and Cancellation Issues Remain While a signed Appearance Protection contract has now been provided, ( the contract states " the purchase is optional and not required to obtain financing or to purchase or lease this vehicle '' There is NO clear non-cancellable language anywhere on this page. See attachments for XXXX ) Appearance Protection Contract. Its interesting that for XXXX ) Prepaid Maintenance contract ( which was cancel ) the language is the same except thay state clearly " it is optional and cancellable ''. My complaint is not solely about the existence of a signature. The issue remains that : The non-cancellable nature of the product was not disclosed at the time of signing. I returned to the dealership the following morning to cancel all warranty products. The Appearance Protection product was not included on the cancellation form provided to me. I was provided an internal worksheet reflecting a recalculated payment without warranties. I was not informed until weeks later that the product was non-cancellable. These actions created a reasonable belief that all products had been cancelled. Additionally, I was previously sent another customers signed contract, raising concerns regarding documentation accuracy. I am requesting review of whether the non-cancellable nature of this product was clearly and conspicuously disclosed and whether the cancellation process was misleading.

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 2026-03-30 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
I purchased a stove from Best Buy a brand new stove for {$2100.00} They delivered an open box stove that it was dinged up scratched has paint on it dents on it They said just keep it and well deliver the new one for you After multiple times of them canceling I said forget it keep the stove. I want my money back and come pick up the stove. I do not want to purchase anything from you anymore. They have not come to pick up the old stove and will not take the brand new store price off of my credit card. Thats the best part of this 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 2026-03-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding Wells Fargos failure to properly investigate and respond to a fraud claim. On XX/XX/XXXX, I searched XXXX for XXXX customer service and called the number provided. The individuals I spoke with represented themselves as XXXX support and directed me to complete refund paperwork. Instead, my card was charged {$450.00} by an unrelated merchant ( XXXX ). XXXX has confirmed they never billed or received this charge. I submitted a full evidence packet to Wells Fargo, including XXXX activity logs, phone records showing the call, transaction records, and confirmation from XXXX. The initial claim was denied without meaningful explanation. I then escalated the matter through a Wells Fargo branch and submitted the documentation directly to their fraud department on XX/XX/XXXX. Since that submission, Wells Fargo has provided no response. They have refused to reopen or properly review the claim despite new material evidence and failed to follow up after promising escalation. Additionally, the fraudulent charge triggered overdraft and insufficient funds fees, causing further financial harm.

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 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am disputing Account # XXXX ( jointly associated with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). This account arises from move-out charges described by the property XXXX as standard move-out fees. Under Washington State law ( RCW 59.18.280 ), the landlord failed to provide an itemized statement and documentation of damages within the 30-day statutory window, thereby waiving the right to collect. Furthermore, these charges constitute ordinary wear and tear, which is not collectible. I have also disputed this account with XXXX XXXX and XXXX The bureaus ( XXXX XXXX XXXX ) failed to conduct a reasonable reinvestigation as required by FCRA 611 ( 15 U.S.C. 1681i ), choosing to ignore the statutory evidence provided. In addition, I made multiple good-faith attempts to resolve this matter directly with the collection agency. I submitted a written settlement offer for the full principal amount ( {$410.00} ) on XX/XX/year>, followed by additional written follow-ups on XX/XX/XXXX and XX/XX/XXXX, all of which were confirmed received via automated responses. However, I have not received any substantive response or engagement from the company. Despite these efforts, the account continues to be reported without meaningful response or resolution. I am requesting that this matter be investigated and that the account be removed from all credit reporting agencies if it can not be properly validated and reported in compliance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
CFPB Complaint XXXX Denial of Refund for Undelivered Package ( {$140.00} ) | Case XXXX I am submitting this complaint against XXXX for denying my refund of {$140.00} for a package that was confirmed delivered to the wrong address, which I never received. BACKGROUND On XX/XX/XXXX, I placed an order for a hair unit ( wig ) through XXXX. According to tracking, the package was marked delivered on XX/XX/XXXX. I never received the package. I contacted the seller ( XXXX ) and was directed to contact the shipper, XXXX. When I spoke with a XXXX agent by phone, I was told that my order had been delivered to the incorrect address. I requested written proof of this misdelivery and received a confirmation showing a delivery address that is not mine. THE ISSUE Both XXXX and XXXX were provided documentation confirming the package was not delivered to my address. Despite this, XXXX denied my refund ( XXXX XXXX. XXXX XXXX XXXX the grounds that the shipper did not put in writing that the package was lost. However, the shippers own written communications contradict this requirement : XXXX first written communication stated they apologize for the issue and directed me to contact the seller for a refund. The seller requested a certificate of loss, which XXXX stated they do not provide. XXXX later sent an email stating they could not provide proof of loss because they now never received the package. They are trying to get out of being responsible for the lost order. Both the seller and XXXX were made fully aware of these communications. Despite clear evidence of a misdelivery and the shippers own contradictory statements, XXXX refused to issue a refund. I reached out to my bank Chime and they were unhelpful as well. RELEVANT CASE NUMBERS XXXX Case No. : XXXX XXXX XXXX XXXX. : XXXX REQUESTED RESOLUTION I am requesting a full refund of {$140.00}. XXXX XXXX XXXX policy is meant to protect consumers in exactly this type of situation where a package is confirmed not delivered to the buyers address. XXXX denial, despite documented evidence of misdelivery and the shippers own written acknowledgment of the issue, represents a failure to uphold that protection. I appreciate the CFPBs assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I am writing to formally notify you that the FNBO account currently being reported under my name is fraudulent and was opened without my knowledge or authorization. I have never opened or authorized any account with FNBO This account is the result of identity theft I have filed an official Identity Theft Report with the Federal Trade Commission. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2, you are required to remove any information resulting from identity theft from my credit file. I demand the immediate removal of this fraudulent account from all credit reporting agencies. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau and pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: PA

Complaint narrative:
The company responded to my prior complaint but failed to provide any actual evidence supporting their conclusions. They claim the transactions were authorized based on insider knowledge and contactless use, but provided no documentation such as IP logs, device data, authentication records, or call recordings. I formally requested : Account access logs IP address/device information Identity verification methods Call recordings or transcripts None of this has been provided. Their conclusions are based on speculation, not evidence, which does not meet the requirements of a reasonable investigation under Regulation XXXX. I am requesting full documentation of MY FORMAL REQUEST and reimbursement of {$14000.00}.

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 explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX U received a letter from Capital One stating they received an order from La XXXX XXXX XXXX XXXX instructing them to take {$1200.00} from XXXX of my savings accounts and turn it over to La XXXX XXXX XXXX XXXX. I contacted Capital One on XX/XX/XXXX and informed them that the funds in that account are La State Retirement Funds and according to the letter they sent me are protected funds reference # XXXX. They released the funds anyway. I have contacted Capital One many times and have been told that the money was deposited into someone elses account and transferred into my account so the funds were no longer protected as well as the time since I made the deposit and when the bank XXXX occurred was longer than XXXX months and that was all they were required to go back and check for protected funds so they are no longer protected this was on XXXX reference # XXXX. On XX/XX/XXXX I deposited my back pay from Louisiana XXXX XXXX XXXX in the amount of XXXX into an account that I am listed as authorized signer and have a debt card to this account in my name. My son is the main account holder which is a checking account ending with XXXX. My savings account ending with XXXX is in only my name. I have provided statements from capital one for XX/XX/XXXX showing the deposit a d statement from my savings account showing the bank levy withdrawal. My monthly retirement benefit is deposited into my XXXX XXXX checking account which is deposited on the first of the month in the amount of XXXX which I have also sent a statement from this account. I have demanded for capital one to replace the money or if not to send me something in writing why they can not or should not be responsible. I have not received anything from them. It is their responsibility prior to releasing a customers fund for a bank levy to make sure these funds are not protected. I want them to replace the money they took out of my account due to it is their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am filing a complaint regarding repeated misinformation and poor customer service from Navy Federal Credit Union. On XX/XX/XXXX, I was told that my deposit would typically be available on XX/XX/XXXX. On XX/XX/XXXX, I was then told by multiple representatives that my funds would be available on XX/XX/XXXX at XXXX XXXX. I relied on this information to plan and commit to financial obligations. However, the funds were not deposited as promised. When I contacted the credit union again and spoke with a supervisor, I was told that the previous representatives had provided incorrect information. This situation is unacceptable. I was given consistent, confident assurances on multiple occasions, and I relied on those statements. Being told afterward that the information was simply wrong is not an adequate level of service. I am not seeking an explanation, as I have already been given one. My concern is how I was treated as a customer. I expect accurate information, consistency, and accountability from my financial institution. I am requesting that the credit union review this situation and take steps to ensure that customers are not given incorrect or misleading information in the future, especially when it directly impacts financial decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home 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: LoanCare, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding ongoing mortgage servicing errors and failure to respond to written notices. On XX/XX/XXXX, I sent a written notice identifying a significant escrow discrepancy. The servicer claimed a tax disbursement of {$5000.00} in XX/XX/XXXX ; however, official XXXX of Maryland records confirm the actual payment was {$2700.00}, a difference of {$2200.00}. This error caused an improper increase in my monthly mortgage payment. Despite my written notice, the servicer has failed to acknowledge, investigate, or correct the issue. I have continued to make the original contractual monthly payment on time and in good faith. The servicer is not applying my payments properly, appears to be placing funds into suspense, and is assessing late fees and penalties during an active dispute. I am concerned this may also result in inaccurate credit reporting. I am requesting : Correction of the escrow error Proper application of all payments made Removal of all late fees and penalties A corrected mortgage statement Confirmation that my credit has not been negatively impacted ( or correction if it has ) I have attempted to resolve this directly with the servicer and have received no response.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have disputed the inaccurate reporting of the 180 days past due Truist Mortage reported when I was in a forberance plan. I filed a complaint with CFPB and got a letter stating the inaccurately reported the delinquent reporting. They are still reporting me as past due while I am in a loan modification plan. It is still affecting my credit score after the credit reporting agency tried to fix it. My credit score went up on XX/XX/XXXX and dropped XXXX points on XX/XX/XXXX due to Truist still reporting me as past due.

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 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to formally address a serious issue with my Best Buy credit account and to make my stance clear to avoid any future complications. On XXXX XXXX, I accessed my online account intending to make a payment. At that time, the account showed no balance due. I entered the payment amount I intended, but it was rejected. Despite this, Best Buy went ahead and withdrew the full amount owed from my bank account without my authorization. As a result, I was forced to contact my bank immediately to place a stop payment to prevent further issues. This situation caused unnecessary stress and disruption. I am sending this letter to document my position clearly, ensure that no late fees or adverse actions are taken against me, and prevent any future complications regarding my payments to Best Buy.

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