vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing a complaint regarding Citis refusal to honor a checking account promotional bonus that influenced my decision to open the account. I opened a Citi checking account through Citis promotional offer link for a {$320.00} bonus. I relied on this offer when deciding to open the account and completed the required actions associated with the promotion. I had no reason to believe that the promotion was not properly attached to my account, nor was I provided any warning or opportunity to verify that the promotional code had not been associated with the account during the application process. After meeting the requirements, I contacted Citi regarding the bonus and was informed that the promotional code was not attached to my account. Citi has denied the bonus despite the fact that I accessed the application through the promotional link provided by Citi. Any failure to properly associate the promotion appears to be the result of a system or processing issue that was outside of my control. I made multiple attempts to resolve this issue directly with Citi before filing this complaint. During one call, I spent over an hour speaking with customer service and escalation representatives regarding the promotional bonus dispute. The call was disconnected before my issue was resolved. On another occasion, after requesting assistance and escalation, I was again disconnected without receiving a resolution. These repeated experiences have made it extremely difficult to address what should be a straightforward review of my account and promotional eligibility. Additionally, this is not the first time my family has experienced issues with Citi promotional offers. My father previously experienced a similar situation involving a Citi promotion, which raises concerns about whether customers are being properly enrolled in advertised offers when accounts are opened through promotional channels. While I can not speak to the specifics of his account, my experience suggests a potential pattern that warrants review. I am requesting that Citi conduct a full review of how my account was opened, investigate whether the account was originated through the promotional offer link, and honor the promotional bonus if the qualifying requirements were met. I also request a clear explanation of why the promotion was not associated with the account despite my use of Citis promotional application process. I believe I acted in good faith, relied on Citis advertised promotion, and fulfilled my obligations. I am seeking a fair resolution and payment of the promotional bonus that was advertised at the time I opened the 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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
On XX/XX/XXXX around XXXX I used a co op ATM between XXXX XXXX XXXX XXXX and navy federal credit union XXXX I tried depositing {$420.00} into my account, received an error message, and didnt get my cash back nor did the funds get deposited into my account. Since this was a Friday and after hours I called my bank about the issue and was told to email XXXX and give it a few days for a call back or I can call to check on the status of my dispute. I was also told that theres a chance the employees at XXXX could give me my money back if I go up there and ask for it because theyll see the overage. I went back there on Monday and they confirmed the overage but said that since I dont have an account with XXXX they needed navy federal to send something over saying that the money was mine. Ive also been locked out of my Navy Federal account since I called about this the first time. Since then Ive called every few days and been told that I've been denied, that its being processed, or that my dispute wasnt received even though I've been following all instructions given to my by both the reps and the website and Ive resubmitted this written dispute 3 times now. When I ask whats wrong they tell me that they say what it is and I never know if my dispute is denied until I call up there even though they say theyll reach out to me. There arent any physical Navy Federal branches in my state either so I cant go in person. Before I called today the last time I called was the XXXX this month and I was told that my dispute wasnt received received and still being processed and today I was told that something was wrong and needed to resubmit it again. Including today this makes a total of XXXX times Ive called and nothing has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
Someone who referred to himself by the name of XXXX XXXX from structured settlement called and left a voicemail from a number stating that my file was forwarded to his office and legal action is going to be taken immediately but he wants to give me a chance to settle it myself by calling another number that he provided so I was confused and called the number he was immediately very unprofessional I immediately could tell he was a scammer and he was talking about a loan that I have never taken out and talking about a bank that I have never even heard of to which she ended up hanging up on me but I phone call recorded the entire conversation I also still have the verbal voicemail that he left on my phone and I have both phone numbers written down and I just want to report him and report the information so hopefully he can be stopped and stop scamming people.

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 2026-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
This is an escalation of active Case # XXXX. MOHELA has violated consumer law by failing to provide a final response within 60 days of the original filing. Since their interim response on XX/XX/XXXX, they have missed multiple administrative deadlines despite possessing the XXXX XXXX XXXX electronic trace number. They are operating in bad faith. Timeline of Events : XX/XX/XXXX : XXXX submitted an Interest Accrual Payment of {$1200.00} to MOHELA. XX/XX/XXXX : I first contacted MOHELA to report the missing payment. XX/XX/XXXX : I filed my first CFPB complaint due to lack of action. XX/XX/XXXX : MOHELA provided an interim response stating " additional research is needed, '' but never followed up with a final resolution. XXXX XXXX : I contacted MOHELA 's Resolutions Department and supervisors multiple times. They confirmed they have the XXXX XXXX XXXX electronic trace number on file and escalated it to accounting. Missed Deadlines : MOHELA gave me specific resolution timelines that all expired with XXXX action or follow-up : XXXX business days ( XX/XX/XXXX ), 57 business days ( XX/XX/XXXX ), and 710 business days ( XX/XX/XXXX ). As of today, MOHELA has held my federal trace data for months and my funds for nearly 11 months without applying them. I request immediate enforcement action to force MOHELA to reconcile and credit my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Account Blocked and In Closure Process After Citi Cashier 's Checks Bounced What happened? ( Facts and Timeline ) XX/XX/XXXX : I withdrew funds from my Citibank checking account. The bank issued these funds as official Citibank cashier 's checks. XX/XX/XXXX : I returned to the Citibank branch in XXXX, MD, to deposit these exact same cashier 's checks back into my account. Post-Deposit : The deposit failed. Citibank returned the physical cashier 's checks to me by mail with the notice " refer to the maker. '' Account Action : Citibank immediately blocked access to my account and initiated an administrative closure without explanation. Citibanks failure to honor its own certified funds and the subsequent account freeze have caused severe, measurable financial devastation. Because the bank is withholding both the cashier 's check funds and my existing account balance, I am completely locked out of my liquid capital.This total deprivation of funds has directly caused the following ongoing financial damages : Missed Bill Payments, Credit Score Destruction, Accumulated Fees, overdraft charges on linked accounts, and return-check penalties through no fault of my own. I can not access daily necessary funds for food, transit, or healthcare, creating an unsustainable emergency situation.By marking its own official checks as " refer to the maker, '' Citibank has committed a severe operational error. Freezing my assets to cover their own processing failure constitutes an abusive banking practice that actively inflicts compounding 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 2026-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Credit Counseling Foundation, Inc.
State: OH

Complaint narrative:
On about Monday, XX/XX/year>, I received a notice via USPS from from a debt collector, XXXX XXXX XXXX, XXXX ; supposedly, attempting to service a debt on behalf of XXXX XXXX XXXX. I understand that any original debt originated from my relationship with XXXX XXXX . I phoned them, and I requested statements to determine if this debt was valid ; and likewise, as well as to determine what the CCCF had done, and during the timeframe when they were supposedly servicing this debt! I believe XXXX stated that they would send me statements. However, I believe, their representative stated that they had ... " no '' information related to any communications with CCCF. I believe that I also phoned XXXX XXXX XXXX XXXX XXXX XXXX to determine if they had any communications with CCCF that I could request, but I am certain their answer is and was no. At that point, I decided to file an additional complaint against CCCF, and possibly XXXX XXXXXXXX XXXX. At any rate, without the monthly statements that I have been requesting from CCCF, I have no information that I could rely on to make any conclusions regarding XXXX XXXX XXXX? Moreover, without those monthly statements, I have repeatedly requested, I still speculate that there is a possibility that CCCF did little to nothing to service these accounts! Likewise, more specifically, I am unable to determine if ... " any '' payments were made from the funds that CCCF was charging/withdrawing from my account monthly!!?? Also, I am concerned that for reasons unknown to me that CCCF may have ... " missed '' payments, or did not apply the funds they collected from me, to my credit card accounts on a consistent basis, which would caused me, ultimately, to incur ... " fees '' for LATE PAYMENTS, which I feel that CCCF should take ... " financial '' responsibility for!!??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Company : USAA Dates : XX/XX/year> Amount of errors charged to my person : {$930.00} I am submitting this complaint regarding an issue involving USAAs bill pay system that resulted in funds being deducted from my account for bill payments that were not successfully delivered to the intended billers. USAAs new bill pay system appears to have processed withdrawals from my account even though the payments were not received by the companies they were intended for. These deductions caused my account balance to become negative and created additional financial consequences. As a result of these incorrect deductions, legitimate payments and checks were impacted, including payments that should have cleared under normal account conditions. This situation has caused financial disruption and has negatively affected my standing with other companies despite the issue originating from what appears to be a USAA system error. Attempts to Resolve : I have contacted USAA repeatedly since discovering this issue. During my conversations with USAA representatives, I was informed that their IT department was aware of the problem and that I was not the only customer affected. Despite this acknowledgment, my funds have not been restored, and I have not received clear communication regarding : The scope of the issue. How many customers were affected. When affected accounts will be corrected. What steps USAA is taking to prevent further harm. Because of the incorrect deductions : My account was placed into a negative balance due to transactions that should not have occurred. Legitimate checks and payments are being returned or rejected and I'm receiving overdraft fees. I experienced unnecessary stress and disruption caused by an issue outside of my control. My financial reliability has been negatively impacted due to USAAs processing error. I have been a USAA customer for many years and have maintained a relationship with this institution based on trust. This experience has significantly damaged my confidence in USAAs ability to safely and accurately manage customer accounts. I am requesting CFPB assistance in ensuring this matter is investigated and resolved appropriately.

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 2026-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I called Best Buy customer service on XX/XX/XXXX and again on a date I can not recall to request that they reallocate the amount I paid over my minimum payment on XX/XX/XXXX to the promotional balance that expires on XX/XX/XXXX. I logged in to my account today to check whether the reallocation was completed, but it was not.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am escalating an unresolved matter involving {$1000.00} debited from my account but never dispensed by a Wells Fargo ATM, compounded by a failure of branch management to resolve or properly document the incident over the past week. On XX/XX/year>, I attempted to withdraw {$1000.00} from the drivethrough ATM at your XXXX, CA branch. The transaction was approved and the funds were debited ; however, the cash-dispensing door malfunctioned and no funds were delivered. This issue was witnessed by a Wells Fargo employee at the time. I immediately entered the branch and reported the issue. Despite clear evidence of an ATM malfunction, I was told I could not receive the funds and was required to make a second withdrawal to access cash. I was assured the error would be corrected. As of today, XX/XX/year>, the {$1000.00} has still not been credited back to my account. When I followed up in person, Branch Manager XXXX XXXX denied that the branch had committed to resolving the issue and instead directed me to contact customer service. This reflects a clear failure of branch-level accountability and basic customer support. This situation raises serious concerns regarding : Failure to provide access to funds already debited Lack of timely ATM reconciliation and error resolution Inadequate documentation and follow-through at the branch level Unsatisfactory conduct and response by branch management Requested Resolution : Immediate provisional credit of {$1000.00} to my account Confirmation that the ATM has been audited and reconciled Direct contact and apology from a District Manager or higher-level supervisor A review of how this incident was handled at the branch level Given the failure to return funds already debited and the lack of branch-level resolution, I expect immediate provisional credit while your internal ATM reconciliation is completed. Unless this matter is resolved immediately, I will be forced to pursue formal regulatory action regarding failure to provide access to funds already debited, and breakdown of required ATM reconciliation controls.

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 2026-06-24 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: TX

Complaint narrative:
On XX/XX/year>, I used my My Best Buy Credit Card to purchase an item totaling {$1800.00}. The merchandise was never received. Per Best Buy 's explicit instructions for handling missing/stolen orders, I contacted local authorities and filed a report. The XXXX Police Department issued XXXX XXXX XXXX. Furthermore, officers from the XXXX Police Department contacted Best Buy directly to verify the active law enforcement case and confirm the details, as requested by the merchant. Despite full compliance with the merchant 's security protocols and direct verification from law enforcement, Best Buy is wrongfully denying the refund. When I attempted to dispute the charge through the card issuer, Citibank automatically deferred to the merchant 's denial without conducting a proper investigation or reviewing the police documentation. Under the Fair Credit Billing Act, I am protected against billing errors for goods or services not received. Citibank is failing its regulatory duty to protect me as a consumer by rubber-stamping a merchant denial when law enforcement has already validated the loss. I have tried in good faith to resolve this with both the merchant and the bank, and both have refused to cooperate.

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 2026-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I sent a check for $ XXXX to freedom mortgage via certified mail on XX/XX/year>. It took Freedom Mortgage until XX/XX/year> to notify me that payment would be issued to me. I never received said payment. When I called for an update on the overage payment, I was told Freedom Mortgage would be reissuing a second check and that I would receive it by XX/XX/year>. I still had not received the check by XX/XX/year> and I emailed their customer service contact to ask for an explanation why. I never received an answer to that email. I had to call again on XX/XX/year> and was on hold or transferred to other departments for 35 minutes until I finally had to hang up. Now today, XX/XX/year>, I received an email stating that the second payment failed due to changing vendors and that a third check would be issued after an additional 8-10 days. I was also informed that there still is currently no replacement vendor and they are still working on a resolution for that department. So I have absolutely no confidence they will send me the {$56000.00} they owe me.

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 2026-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am filing this complaint against Kia Finance America for deceptive practices, material misrepresentation, and severe statutory notice violations under XXXX XXXX repossession laws ( XXXX XXXX. XXXX and XXXX ), which has resulted in an illegal {$21000.00} collection account sent to XXXX XXXX XXXX ( XXXX Account # XXXX ). 1. DECEPTIVE REPRESENTATION : In XX/XX/XXXX, I contacted Kia Finance America directly to ask if my vehicle ( XXXX XXXX XXXX ) was in repository or repossession status. The representative explicitly stated " No. '' Relying on this information, I planned my payment catch-up. The vehicle was repossessed less than XXXX hours later. 2. FAILURE OF STATUTORY ADVANCE NOTICE : The vehicle was repossessed in late XX/XX/XXXX and sold at auction in XX/XX/XXXX. Kia Finance America completely failed to provide a mandatory " Notice of Our Plan to Sell Property '' at least 10 days prior to the sale. 3. DOCUMENTED EVIDENCE OF BACKDATING : When I confronted Kia regarding the lack of notice, they generated a backdated letter. I have concrete proof from XXXX Informed Delivery showing that the very first piece of mail sent by Kia after the repossession was not mailed or delivered until XX/XX/XXXX, XXXX AFTER the car was already sold. A post-sale explanation letter followed on XX/XX/XXXX. Under XXXX law, a secured creditor 's failure to provide strict pre-sale notification completely bars them from recovering any deficiency balance. Because Kia Finance America skipped this mandatory legal step, the alleged {$21000.00} balance is completely invalid and uncollectible. REMEDY REQUESTED : I demand that Kia Finance America immediately recall this debt from XXXX XXXX XXXX ( XXXX ), completely cease all collection activities, wipe out the invalid {$21000.00} deficiency balance, and ensure no negative trade lines or collection marks are reported to XXXX XXXX XXXX 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