vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I applied for the Wells Fargo One Key Card through XXXX after XXXX prominently advertised that cardholders earn OneKeyCash rewards redeemable across XXXX, XXXX, and XXXX. Based on those representations, I used this card extensively and accumulated over {$570.00} ( now {$610.00} ) in OneKeyCash rewards through thousands of dollars in spending. However, every attempt to actually redeem these rewards has failed. When I select the Use My OneKeyCash Rewards feature, I am redirected to XXXX, where my rewards balance is not recognized whatsoever. I have spent countless hours attempting to resolve this issue through Wells Fargo, XXXX, XXXX Key customer service, and even the Better Business Bureau process. XXXX repeatedly claims the issue is on Wells Fargos end. Wells Fargo has repeatedly confirmed that : XXXX. I do in fact have over {$570.00} ( now {$610.00} ) in earned OneKeyCash rewards ; XXXX. The rewards are active and valid ; XXXX. The accounts are connected under the same email address ; and XXXX. The rewards should be redeemable through XXXX. Despite this, XXXX still refuses or fails to recognize the rewards balance. The companies continue sending me in circles with no resolution while continuing to advertise these benefits to consumers. This is deceptive and potentially fraudulent conduct. The rewards program was a material factor in my decision to use this card for substantial purchases. Had I known the rewards would be inaccessible in practice, I would have used a different credit card entirely. At this point, I am seeking immediate correction of the issue and access to the rewards I earned, or equivalent compensation for the unusable rewards balance. Consumers should not be induced into spending thousands of dollars based on advertised benefits that can not actually be redeemed.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a former Citi employee and a permanently XXXX XXXX survivor. Due to my XXXX, I can not drive and therefore do not have a drivers license. I also live with family and do not have utility bills in my name. Citi has been aware of my XXXX status. I do not know how long XXXX has been nonfunctional for my account, but it does not work now and Citi has not restored access despite multiple attempts. When I contactedXX/XX/XXXX, they told me only Citi XXXX XXXX XXXX ( XXXX ) could reactivate my account. When I contacted XXXX, they told me only XXXX could fix it. This has resulted in a continuous loop where each department insists the other is responsible, and neither will restore my access. I have repeatedly updated my address to my current North Carolina residence, but Citis system continues to show my old Florida address from my time as an employee. It appears to be permanently stuck in their system. Because of this, I have not received an account statement in over a year, and I can not verify or manage my retirement account in any way. I have repeatedly requested access to my rmoney, and the required documents. Instead of resolving the issue, Citi sent me a XXXX packet of generic newemployee IRA withholding forms and tax documents that do not apply to my situation and do not restore access. None of these documents address the underlying problem. Citi has also repeatedly lost paperwork I mailed to them, including packets that were returned with tracking confirmation. After losing my documents, Citi then demanded additional state tax forms that do not apply to my situation or my state of residence. These requests are irrelevant and impossible to fulfill. Citi has also repeatedly demanded documentation that I can not provide due to my XXXX, such as a drivers license and utility bills. I explained multiple times that I am XXXX, can not drive, and do not have utility bills in my name. Despite this, Citi continues to insist on documentation they know I can not produce, making it impossible for me to access my own retirement funds. This situation has caused significant stress and financial harm. I have made every effort to resolve this directly with Citi, but I continue to be given contradictory information, impossible requirements, and no meaningful assistance. As of today, I still can not access my retirement account or obtain the funds I am legally entitled to. I am requesting CFPB assistance to require Citi to restore my access to funds, retirement account information, and required documents without further delay. Citi also needs to acknowledge that fully XXXX individuals do not pay federal or state tax penalties on early XXXX ( XX/XX/XXXX ) withdrawals under IRS Form XXXX.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
XX/XX/year> there were seven unauthorized purchases made on my checking account totaling {$1100.00} I immediately reported the purchases and filed a fraud report on XX/XX/XXXX I received a voicemail to return a call back to investigator XXXX I have made a phone call each business day since leaving one voicemail per day asking for a return call which I have not yet received on XX/XX/XXXX I received my replacement debit card when I attempted to activate it I found that my bank account had been closed without any warning no one will give me any information today I received several emails confirming my missing funds will be refunded back to my account the problem I have is that this was my rent money to prevent my eviction on XX/XX/XXXX now that they have closed my account now that they have closed my account prematurely I can not access my rent money they are not willing to overnight a refund check so that I can pay my rent and not be evicted I'm XXXX years old in XXXX XXXX I have nowhere to go not only that once I'm evicted i no longer have access to retrieve mail at this address they claim they can not update my mailing address and so I would have to wait until they mail the check which will probably be stolen and then have them reissue a check they have no concern about the fact I did nothing wrong I didn't cause the account to close and now I'm paying the price I won't have any word to live and no one is willing to make any suggestions to help me correct this in a timely manner. The bank is Sofi.

Company response to consumer: Closed with monetary relief
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 — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint against Capital One for a violation of the Fair Credit Billing Act ( FCBA ) regarding their handling of a billing dispute, as well as an unfair administrative closure of my claim. I initiated a dispute with Capital One regarding unauthorized, un-consented fees and services not rendered by a merchant ( XXXX XXXX XXXX ). Capital One requested specific supporting evidence to process the claim. I fully complied and provided all requested documentation, plus additional exhaustive proof supporting my case. Despite this, Capital One summarily closed my dispute. Today, [ XX/XX/year> ], I contacted Capital One to reopen the case. Representatives stated the dispute was closed because they " did not receive the required documentation. '' During the interaction, I explicitly provided absolute proof including time stamps, transmission confirmations, and exact records demonstrating that every single requested document had already been successfully sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
Found out about an issue with the closing costs the day prior to closing, via an email that stated how much money we needed at closing. I realized there was an issue because we were expecting $ XXXX back at closing. They did not send the disclosure at all, never mind 3 days prior which would have let me know there was a problem instead of having to scramble the day prior to fix the problem. When I confronted them about it they blamed my agent for not doing an amendment which I thought was XXXX. Thats besides the point. Getting this 3 days prior as required by law would have given me plenty of time to ensure the problem was fixed. I was not happy with the entire process with this lender and would have let it go if not for the excuses when I brought up the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am formally escalating an unresolved issue regarding missing points associated with my XXXX XXXX XXXX XXXX account and Virgin Red credit card. I opened my Virgin Red credit card account in XX/XX/XXXX after being offered : XXXX bonus points Ongoing points earnings for purchases made on the card However, from XX/XX/XXXX through XX/XX/XXXX, no points activity appeared in my XXXX XXXX XXXX XXXX account. I contacted XXXX XXXX XXXX and was advised that the points were being managed by the Virgin Red credit card team. I then contacted Virgin Red multiple times and a case was opened. After additional follow-up calls, in XX/XX/XXXX a Virgin Red representative identified the issue : the wrong XXXX XXXX account number had been entered/linked to my credit card account. Once this was corrected, my points began posting normally starting in XX/XX/XXXX. This confirms that the missing points issue was caused by an account-linking error and not by any failure on my part. As a result, I am still owed : All missing earned points from XX/XX/XXXX through XX/XX/XXXX The XXXX signup bonus The total missing amount is XXXX points. My last follow-up call was on XX/XX/XXXX, and despite repeated attempts to resolve this matter, I have not received a resolution or meaningful response. P.S. The XXXX points in XX/XX/XXXX is from my XXXX account and nothing to do with the Virgin Red

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: LA

Complaint narrative:
In XX/XX/year>2026 I called a company that said I had a closed collections with to pay, they said they dont have it, it was sold to plaza services. I called them for a payoff and they also said they no longer had it but another company so I called that company and they too also said they dont have it and they didnt know where it went. So then I disputed it through transunion and got the results of unknown. When I called and asked what that meant no one could give me an answer. I also asked if the agencies can not find this debt why was it still being reported and couldnt get answer about it. I then proceeded to call Plaza Services again and couldnt get an answer. Im requesting a full report on the dispute and results to be mailed to me.

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: Ability Recovery Services, 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 XXXX 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 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 — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I made a total of XXXX payments in XXXX. XXXX XXXX, XX/XX/year>, and XX/XX/year>. I provide the company with ACH trace numbers, and bank statements where the funds were taken out of my account. Speaking with a representative information is on my account that XXXX payments were received but only two applied to my account. This has destroyed my credit for the month of XXXX. I am getting threatening letters for modifications and foreclosures. I asked for XXXX months now for Rocket mortgage to apply the third payment to my account and explain why did they reversed the payment when the funds were already deducted from my account. Rocket Mortgage please provide and show where three payments were applied to my account. Please fix my account and credit. This the 2nd complaint with cfbp and Rocket mortgage provided wrong information. Please provide information three payments were applied verses only two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
My father passed away recently. Prior to his passing, he wrote me a valid check. I saved it for a month before finally deciding to cash it to pay of my medical debt. I proactively called Navy Federal before and during the deposit process to ensure everything was handled correctly, explaining the situation transparently and as clearly as I could. I was repeatedly told by representatives to just wait out the standard XXXX week hold period. I made sure to do this and waited the alotted time, checking my account occasionally. Instead, Navy Federal froze my entire account, voided the check, and flagged the transaction as " fraud. '' I have been entirely locked out of my funds for a month. A representative instructed me to fill out an Account Appeal Form, which I completed and emailed, but I have received XXXX response or confirmation. I also visited a branch in person and they basically said nothing and I walked out tears in my eyes because they denied me any help. This is a legitimate check that will ultimately be distributed to me upon completion of probate so it isn't even fraud. Navy Federal 's administrative handling of this, aswell as a total lack of communication and conflicting information from staff, has frozen my personal assets and left me unable to pay for my fathers cremation services, service, even for food for me. This has even led to me having to temporarily quit college as now I have to deal with a dead family member with no money and an account I can't even use in anyway. They completely XXXX me over in everyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC is constantly harassing with phone calls and now has started harassing my wife with text messages. She was not married to me when this account was taken out.

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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-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: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
In XX/XX/scrub> 2020 the time of XX/XX/XXXXwe just wanted to have a normal vacation. XX/XX/XXXXwas available but we had to stay in the hotel we couldn't leave due to XX/XX/XXXXonly if we decided. Instead we went to XXXX for the first time and last time I have never been back since that XXXX time in XXXX of 2020. They ask us to bring our credit cards i was confused for some reason I came home with a time share that I didn't know I had or need a time share because I work for the hotel industry which allows me to have discount on rooms sorry I never wanted a time share those poeole are scammers working overtime. I want this removed from my credit report. Remove please thank you .. XXXX week returning to the state we called the company to cancel many time they just sent me the run around and threatening to attack my credit score with debt collectors calling me for years this is disturbing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation