vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/year>. I applied for the XXXX XXXX XXXX XXXX after receiving an offer advertising XXXX XXXX XXXX points. 
The offer terms stated that " if I was not eligible for the welcome bonus, I would be notified prior to processing the application and given the option to withdraw ''. ( see below ) I was never notified of ineligibility. Instead, my application was approved and processed. Relying on the stated offer terms, I subsequently paid the {$890.00} application fee and made $ XXXX qualifying purchases. Only after this spending did I learn that American Express considers me ineligible for the welcome bonus due to prior card ownership. 

This outcome is inconsistent with the explicit language of the offer and materially affected my decision to apply for and use the card. Had I been notified as promised, I would not have proceeded with the application or the associated spending. I would have gotten a XXXX XXXX card instead. 

OFFER " You may not be eligible to receive a welcome offer if you have or have had this Card, the XXXX XXXX, the XXXX XXXX  from American Express Exclusively for XXXX XXXX or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notification that my deposit from work had landed in my account in the amount of {$3000.00}. About ten minutes later I received another email that a wire transfer had been initiated to someone with the last name XXXX. I immediately tried to log into my account and couldnt. Was told I had incorrect password. I then tried to reset my password. I went to my email ( XXXX ) and was logged out of it. I tried to reset my email password and was unable to because someone changed the recovery phone number. I immediately emailed XXXX support from my other email ( XXXX ) and they responded once with instructions asking me times and dates and that they would freeze my account until they figured out what was going on. I supplied them with everything they asked. I never heard back from them. Ive sent countless emails. I even supplied them with photos of me holding my id with a piece of paper and the date on is stating account compromised. Ive called them twice. Both times they said they couldnt talk to me about my account bc they cant verify me. That I need to communicate via email. Then they proceeded to block my phone number. Ive filed a police report and have also sent them a copy. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> XXXX I used the drive through atm machine at us bank in XXXX XXXX calfornia to withdraw money from my XXXX  card. The money was given to me in XXXX denominations. I later went to XXXX to purchase some cat food and gave the cashier XXXX of the XXXX that XXXX gotten from us bank atm and was told the XXXX was not real. I went to us bank and explained what had happened and the bank manager refused to give me any assistance in the matter. I offered to show reciepts of the withdrawal from thier atm machine in which the bank manager was not cooperative in helping me or exchange the fake XXXX bill for a real XXXX bill. I contacted law enforcement and was told it was a civil matter and there was nothing they could do. I havereached out to the XXXX XXXX office for XXXX XXXX to report the fake currency but have not gotten a call back. I would like for the bank to exchange the fake XXXX and give me a real XXXX bill. I do not have an account with us bank I use thier atm on ocassions. The branch address is XXXX XXXX XXXX XXXX XXXX XXXX ca.

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 2026-02-20 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: OH

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 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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
b'On XXXX XXXX XXXX, a Goldman Sachs supervisor offered me enrollment in the Apple Card Customer Assistance Program (a forbearance program to skip a monthly payment). I explicitly asked how long I had to evaluate my finances and make a decision. The supervisor provided a written, bank-issued deadline of XXXX XXXX XXXX, to complete the enrollment. I have attached a screenshot of this guarantee.\n\nRelying on this official deadline, I made my minimum payment in good faith to protect my credit score while evaluating my options. On XXXX XXXX XXXXwell before the XXXX XXXX deadlineI contacted Goldman Sachs to finalize my enrollment. I was denied. An agent informed me in writing that because I made the responsible choice to make a minimum payment, their automated system locked me out of the program. The agent explicitly stated in writing: "I do want to reach out and apologize for the way our system is set up," acknowledging the system flaw.\n\nOn XXXX XXXX XXXX, I escalated this to an Executive Escalations Manager named XXXX. On a recorded line, she admitted that the original XXXX XXXX  deadline provided by her own supervisor was "misinformation." Despite admitting fault, she refused to manually override the system to honor the written timeline, refused to issue a statement credit for the impending interest charges caused by their delay, and ultimately hung up the phone on me rather than resolving the bank\'s error.\n\nGoldman Sachs utilized bait-and-switch tactics, provided documented misinformation, actively penalized a good-faith minimum payment, and refused to honor a written forbearance timeline provided by their own leadership.\n\nThe case number associated with this for Apple / Goldman Sachs is XXXX XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the following accounts as charged off : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} INQUIRIES I am disputing the following inquiries : XXXX Card Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE XXXX WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE XXXX  WEINER 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 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I made my regular mortgage payment by phone. That payment cleared my bank account successfully. 

On XX/XX/year>, a second duplicate payment was withdrawn in error. That duplicate payment was later reversed on the XXXX of XXXX. 

The mortgage servicers transaction history shows the XX/XX/XXXX payment and then a XX/XX/year> code XXXX NSF reversal. The servicer has no record of the XX/XX/XXXX duplicate payment and has applied the NSF reversal to the valid XX/XX/XXXX payment. 

As a result, the servicer is treating XX/XX/year> as unpaid and has reported my account as XXXX month delinquent since that time. 

I have provided the servicer with bank statements showing both withdrawals and the reversal. Despite this documentation, the servicer states that the issue is resolved and continues to maintain that the XXXX payment was returned NSF. 

I believe the reversal was incorrectly applied to the valid XX/XX/XXXX payment rather than to the duplicate XX/XX/XXXX transaction. 

I am requesting : Correction of the XX/XX/year> payment history Removal of the incorrect NSF coding Correction of all related delinquency reporting to the credit bureaus A written explanation of how the XX/XX/year> transactions were applied to my account I have also obtained the ACH trace numbers from my bank to confirm settlement of the XX/XX/XXXX payment and the reversal of the duplicate transaction, and will provide that documentation upon receipt. 

XXXX trace number XXXX XXXX trace number XXXX I had this second payment reversed on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am a XX/XX/XXXX resident. Citizens Bank has placed a hold on my XXXXbased account due to a XXXX XXXX XXXXXXXX Notice . This notice is legally ineffective for XXXX reasons : 1. Statutory Violation : Under XXXX  Law ( XXXX  691.1174 ), a foreign judgment can not be enforced until 21 days after it is domesticated in XXXX. The creditor has not domesticated this judgment in XXXX, and I have not received the mandatory XXXX XXXX XXXX. 
2. Separate Entity Rule : Per the XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX  notice can not reach assets held in a branch outside of XXXX XXXX 

The bank 's legal department refused my request to lift the hold, stating their internal policy overrides these laws. This is an unauthorized restraint of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: AR

Complaint narrative:
On XX/XX/XXXX, there was a charge for {$550.00}, made on our Best Buy XXXX card. This is provided from Citibank and can be used anywhere. We ( my wife and I ) were sent a text to confirm if it was our charge on that day, and both of us confirmed that it was not. Our new store card hadn't even been activated yet. We both got calls from the card customer service and confirmed again that the charge wasn't us and we hadn't used the card since XXXX and had only XXXX charge on the card, and it wasn't even being carried and hadn't been activated. We were told the card would be cancelled and the charge would be denied. When we got the new statement from Citibank Best Buy, the charge was on there and we were being charged interest for it. We both once again called the customer service and let them know that the charge was not ours and that we had confirmed the month before when it was being made that it was not us. Nothing was being done. They said again they would cancel the card and dispute the charge. Next month same thing... we have called and went through all of this since XXXX, every month and have also personal messaged on our online account and nothing works. It is still there and we are still getting interest charged for it and our only charge is not getting the payments credited to it. Just XXXX  XXXX, spoke to a XXXX in customer service and he agreed that he could see where we confirmed the charge wasn't ours over and over and that nothing had been done. They had never even cancelled the Best Buy card. He cancelled the card and said that he would escalate a dispute and report. Now, this month, still nothing done. XXXX from XXXX is still there and racking up interest and it is not showing a dispute has been started. I have explained this situation over and over to them. I need something done now. Last week, I received an email from Citi Executive Response Unit with a special number and extension to call. I have called for the past 3 days and am on the phone for over an hour each time. The number and extension I call doesn't answer. I speak to another rep and they either say the number will call me back at a certain time ( they don't ), put me on hold forever, transfer me around to a dozen people or hang up. No one acts like they know what I am taling about. I am so frustrated and so tired of this. I need this to be taken care of now.

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 2026-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I extended my lease on my car by XXXX  months with Toyota Finacial, over the phone. And, they did not tell me that by extending my lease, my autopay would not carry over, therefore, my car payment lapsed XXXX days. I ended up sending them XXXX payments all at once to fix the problem. I was never late ONCE with my payments because I was set up on autopay. Autopay was the reason I didn't know I had a past due balance, I just thought it was being deducted monthly as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I initially contacted Ally Bank customer service on XX/XX/XXXX to request a Lien Release Letter. I am annoyed because I refinanced my vehicle and the lien should been transferred to the new loan holder in XXXX. I was unable to complete the transaction on the first call " because the new loan holder XXXX had to make the request. 

I called back and spoke with XXXX with XXXX from XXXX on a conference call. The request for the Lien Release letter was made AGAIN!! XXXX indicated that the letter could not be emailed to me but would be received via mail in XXXX business days as I did not have a fax number available at the time. 

I called back on XX/XX/XXXX around noon to request the Lien Release letter to be sent to me via fax and provided the fax number to the representative XXXX. XXXX confirmed the fax number provided then indicated that the letter would be received via fax within XXXX hours. I waited about XXXX hours. 

The letter was not received within XXXX hours as promised so I called Ally Bank customer service AGAIN!! I spoke to another representative and she advised me that Ally Bank can not send a fax within XXXX hours and the letter would be sent via fax within XXXX business days. 

She placed me on hold several times then finally returned to the phone promising that " the matter was escalated so the letter would be sent by XXXX p.m. on XX/XX/XXXX. 

I paid off this vehicle in XXXX and I need this matter resolved ASAP to complete some business transactions with this vehicle!! 

It is now XX/XX/XXXX and XXXX p.m. and I have not received the Lien Release letter. 

This is REALLY unacceptable. I need this letter faxed to me ASAP!! 

Thank you in advance for your assistance in this most important request!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Bilt Rewards support via iMessage before accepting the Bilt XXXX XXXX during their transition from XXXX XXXX to XXXX. I had a {$30000.00} balance on my XXXX XXXX XXXX XXXX and was offered a XXXX XXXX with only a {$5000.00} credit limit and a {$490.00} annual fee. 
I asked what would happen to my {$30000.00} balance. The support representative explicitly stated in writing that {$5000.00} would transfer to my new Bilt XXXX " at the 10 % rate '' and the remaining {$25000.00} would stay on my XXXX XXXX account, converted to an XXXX XXXX. I confirmed this arrangement twice and received confirmation both times ( screenshot ). 
I accepted the XXXX XXXX based on these representations. When the migration completed on XX/XX/XXXX, only {$3.00} appeared on my Bilt XXXX. My entire ~ {$30000.00} balance was on XXXX XXXX. No balance transfer occurred. 
The " 10 % rate '' the agent quoted does not exist for balance transfers. Bilt 's own published terms state balance transfers are explicitly excluded from the 10 % introductory APR ( which applies only to purchases ) and carry a variable APR of 26.74 % -34.74 %. 
On XX/XX/XXXX, Bilt representative XXXX acknowledged the " misrepresentation and balance-transfer concern '' in writing and promised escalation to a specialist team. As of XX/XX/XXXX, I have received no response or resolution despite follow-up. I am now paying interest on {$30000.00} at XXXX XXXX 's standard rate based on false representations from Bilt 's own support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief