vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint against Citibank Promotional Interest Rate and Checking Bonus Issues I am submitting this complaint regarding Citibanks failure to properly apply and communicate promotional terms on both my savings and checking accounts. 1. Savings Account 4.25 % Promotional Interest Rate I opened a Citibank savings account with a promotional interest rate of 4.25 % and funded the account in accordance with the promotion requirements. Subsequently, funds were withdrawn from the account in connection with a transfer issue involving an external bank ( XXXX XXXX ). These withdrawals were not initiated by me as discretionary activity but occurred as part of that transfer situation. Citibank has not provided a clear or consistent explanation of how these transactions affected my eligibility for the promotional rate. I have received conflicting information from different representatives. I contacted Citibank multiple times to resolve this issue. A formal case was opened ( Case # XXXX ), and I was advised that a written determination had been issued. However, I have not received this letter by mail, email, or through my online account despite repeated requests. 2. Checking Account {$320.00} Promotional Bonus I also opened a Citibank checking account with a {$320.00} promotional bonus. Despite meeting the stated requirements within the expected timeframe, the bonus was not credited when due. I was initially informed by a Citibank representative that I was eligible for the bonus. I was also told by a branch manager that 120 days equates to six months and that I needed to wait longer, which is incorrect. After multiple follow-ups, I was eventually informed that the bonus would be credited within a few days. This delay and lack of clear communication caused unnecessary confusion. This issue is associated with Case # XXXX ( checking account ending in XXXX ). A letter I received states that the account was opened under a different promotional code ( XXXX ) than the one I notated in my records ( XXXX ), and further claims that I had an existing checking account within 365 days. This is incorrect, as the prior account referenced was an Access Account, not a checking account. Summary of Issues Failure to clearly apply and explain promotional terms for the savings account Conflicting and inconsistent information provided by Citibank representatives Failure to deliver a written determination letter related to an open case Delayed payment of a checking account promotional bonus

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 2026-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
I enrolled in a debt relief program with XXXX XXXX XXXX in XX/XX/year>. I paid over {$2000.00} for the program through bi-weekly payments of {$320.00}. Despite these payments : The company only applied two payments totaling {$70.00} to one of my credit cards ( XXXX XXXX ). I ended up canceling the program because the pace of payments was too slow, the monthly cost became unaffordable, and the program was not progressing as promised. It appears that the remaining funds have not been applied to any of my accounts and have not been returned to me. While I understand the company charges fees for negotiations and settlements, they only applied two small payments to my account, yet kept the full amount. Additionally, they charged a {$900.00} settlement fee upfront, which I was not clearly informed about. I was led to believe that the fee would be deducted gradually from my monthly payments, not all at once, and especially not before any settlements occurred. I repeatedly emailed the company asking for a full accounting of my funds and an explanation of the charges, but they never provided a clear answer. When I mentioned I might contact the CFPB, they stopped responding altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am disputing a {$190.00} debt ( Ref # XXXX ) currently being collected by Transworld Systems Inc. ( TSI ) on behalf of XXXX XXXX. This debt is the result of a documented corporate billing error. I have a XXXX Return Receipt ( Order # XXXX ) dated XX/XX/year>, which proves the hardware for Account # XXXX was returned to the XXXX, MD corporate store. XXXX failed to close the account and instead sold this erroneous 'ghost ' balance to collections. This error also resulted in a significant privacy breach where my personal phone number was assigned to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
Validation of Debt Request - TRIDENT ASSET MANAGE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: LA

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This portfolio recovery associates is a third or fourth party collection agency that is bringing up stuff from 10 years ago. This debt is not mine and i do not want any more threatening letters or phone calls from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: AK

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a follow-up complaint regarding my previous issue with Zelle involving XXXX {$500.00} fraudulent transaction that has yet to be resolved. Since filing my initial complaint, I have made multiple attempts to follow up directly with Zelle regarding my case. I have specifically left numerous messages for an agent identified as XXXX, who was assigned to or associated with my claim. Unfortunately, I have not received any response, nor have my phone calls been returned. This lack of communication is extremely frustrating and unacceptable, especially given the urgency and financial impact of this matter. As a consumer, I expect timely and professional communication when reporting fraud and seeking assistance. XXXX failure to respond only adds to the harm I have already experienced. To date : I have not received any meaningful update on my case. My repeated attempts to contact Zelle have been ignored. No effort has been made to resolve or even properly address my claim. I am again requesting that Zelle : XXXX. Immediately respond to my inquiries and provide a status update on my case. XXXX. Conduct a thorough investigation into the fraudulent transaction. XXXX. Reimburse the {$500.00} that was taken from me under false pretenses, or provide a clear and justified explanation for their refusal. I respectfully ask the CFPB to intervene and ensure that Zelle fulfills its responsibility to properly handle consumer fraud complaints and maintain adequate communication standards. Thank you for your continued attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
I hired a contractor to install solar panels on my house. The contractor is XXXX XXXXXXXX XXXX XXXX ( license number XXXX ). They began the the installation in XX/XX/year>, but did not finish the installation. Since XXXX, XXXX they have abandoned the work. However in XX/XX/year>, after the initial installation work, they misrepresented themselves to the financial lender, Sunlight Financial, by telling them that the installation was complete. Sunlight Financial paid XXXX XXXX XXXX in full for {$28000.00}. In turn they issued the loan to me and it began accruing interest. I have been making {$200.00} monthly payments since XXXX, 2025. I have contacted Sunlight Financial several times to tell them the installation was incomplete. I have asked to speak to a supervisor many times and they tell me nobody is available, but that someone will call me. They tell me the issue has been escalated, but they have never returned my calls. I also requested copies of the letter/notification from XXXX XXXX XXXX indicating that they had completed the installation, but they have not provided me with a copy of it. I also requested a copy of the response I provided Sunlight Financial when they requested verification that the installation was complete. They have not provided a copy. Sunlight Financial is ignoring me and I keep paying so that my credit history is not damaged.

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 2026-03-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Was told interest would pay on cd in grace period by XXXX XXXX XXXX - when closed out was told not the case- but could not provide written company policy - account 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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I called Southwest Credit Systems XX/XX/XXXX to see if they could explain why they were continuing to open and close account. For the past 4 years, they have been reopening account once it expires on 2 years. This was the same company that I RECOGNIZED since XX/XX/XXXX. As of today, the account was REOPENED XX/XX/XXXX. When I spoke to representative from Southwest Credit Systems, she refused to tell me who was the original creditor was so I could verify with them the details. She continued to pry information ; when I clearly stated I didnt feel comfortable giving information when the details arent verified. After much research, I was able to find the original creditor XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX and asked them to verify debt. They were unable to and representative said she sent my information to the verification department to verify details on account. Representive also communicated that someone from XXXX will call me back within 2 hours to confirm details. NO CALL was received. I called back today XX/XX/XXXX at XXXX XXXX to do a follow up. They apologized for me not receiving a callback and it was noted on my account from XX/XX/XXXX to call me. XXXX representative from XX/XX/XXXX was able to access my account and told me that she couldnt verify the debt or what were the owed charges on the account. She also told me that the account has been closed since XX/XX/XXXX. She also verified that since the account was closed 6 years ago, they were unable to future assist me and verify any debt. Southwest Credit has abused their position more than once by continuing to put unverified debt or claims on my credit report. For the past 6 years, they have closed and reopened the account without my consent or knowledge. This has caused much more damage than necessary. They have not tried to call, email, or send me any notice regarding the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In Tax Year XXXX The IRS XXXX XXXX XXXXXXXX XXXX XXXX Sent A Written Report that Wells Fargo Bank NA XXXX XXXX Committed a Criminal Offense in Fraud and Identity Theft by Social Security Information Theft and Criminal Tax Year 2020 {$3000.00} Illegal Refund Payment Claimant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This Serious Matter is Involved in Conspiracy HATE CRIMES by The Wells Fargo Bank XXXX XXXX XXXX And REQUIRES IMMEDIATE EXPUNGEMENT by WRITTEN CRIMINAL INVESTIGATION by a Federal Prosecutor in XXXX XXXX in IRS TAX FRAUD Wells FARGO NA IS HACKING My PERSONAL IDENTITY by Cybercriminal Theft

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 2026-03-31 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: EQUIFAX, INC.
State: AK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of a fraud in which individuals impersonating Wells Fargo contacted me and falsely claimed there was unauthorized activity on my account involving a person named XXXX XXXX in the XXXX. The individual I spoke with identified herself as XXXX XXXX. I was instructed to urgently transfer my funds to other accounts to protect my money. Acting under this false information and sense of urgency, I sent multiple wire transfers and XXXX XXXX payment totaling {$33000.00} to individuals I do not know, including accounts associated with XXXX XXXX XXXXXXXX and XXXX. The XXXX payment was sent in the amount of {$3400.00}. The scammers contacted me using the phone number XXXX and communicated via XXXX using the email address [ XXXX ] XXXX XXXX XXXX XXXX ). Shortly after completing the transactions, I realized I had been defrauded and immediately contacted Wells Fargo the same day to report the incident, request wire recalls, and initiate a fraud investigation. Given that this was a bank impersonation scam involving urgency and misleading instructions, I am requesting confirmation that all recovery efforts have been fully pursued and that this case is being reviewed for reimbursement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I called the credit card provider to get the last payment date on the credit card and they identified it as XX/XX/year>. The debt collector Midland Credit Management is falsely pushing the date out to extend the debt on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
- I had a shortfall in income and agreed on a XXXX month payment plan with the bank in XX/XX/year> - In XXXX, I erroneously submitted a double payment. The first XXXX went thru, but the second one did not. The bank then put me in default. - In XXXX, I tried to get them to fix the error, but they were unable to help. When i logged in to submit my XXXX payment, the system rejected the payment saying that I was in default. They would only accept the full XXXX months amount - from XXXX, i worked with the bank for a mortgage modification or a forbearance agreement to bring myself current. - while in application, the bank was dual tracking with foreclosure. They would not accept partial payments at any point - the bank 's underwriting rejected my application XXXX times - the bank has filed a summons with a foreclosure complaint

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
When I completed my loan XX/XX/XXXX, with Time Financing Service in XXXX, XXXX, I was not advised of any credit insuranceno life insurance, nor property insurance, or any other coverages. Once I became aware of these charges, I contacted the office and spoke with a representative named XXXX. She advised me that I could mail a letter requesting removal of life insurance but stated that the property insurance could not be removed because it was a requirement. ( To which I was not advised at any point in the loan closing ). After reviewing this further, I found that all insurance products are optional in the state of North Carolina. I then sent a certified letter within the required XXXX period requesting that all insurance be removed and refunded to my account. The certified letter was mailed to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and I have proof of delivery. Since then, I have contacted the local branch multiple times and have been told that the property insurance can not be removed. On XX/XX/XXXX, I spoke with a representative named XXXX, who stated that if I remove the property insurance, a XXXX could be filed against my home. I believe this information is incorrect, as this type of insurance is optional and is required full disclosure in XXXX XXXX To date, no action has been taken to remove the insurance or adjust my loan balance. I have already paid approximately {$4600.00} out of a {$5000.00} loan, and the remaining balance still includes charges for this insurance. I am requesting that all unauthorized insurance charges be removed immediately and that my loan balance be corrected to reflect the removal. I am concerned that I may have been subjected to deceptive or unauthorized insurance practices, as I was not informed of or did not knowingly authorize these charges at the time of my loan. This situation is unacceptable, and I am concerned that other customers may also be affected by similar practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
My package was forged and dropped on my porch. I filed a dispute witb XXXX, they pushed me to the seller XXXX they pushed me to financer and the police. I filed a complaint with XXXX for driver. Case number XXXX. Affirm denied my dispute by stating that the order was delivered with proof, even though the proof-of-delivery signature is not mine and I submitted evidence showing that the package was left unattended on my porch despite requiring a signature. This was a XXXX XXXX XXXX XXXX Affirm purchase. I provided documentation showing that the delivery record is defective : the shipment required a signature, the signature on the proof of delivery is forged or unauthorized, and timestamped photo evidence shows the package was left on the porch rather than handed to a signer. Affirm closed the dispute without properly addressing that evidence. I am requesting that Affirm reopen and fairly investigate the dispute, suspend collection on the disputed amount while the review is pending, and provide a written explanation addressing the disputed signature and unattended delivery evidence. I have proof my wife was at work, proof thats not her signature, timestamped photo from XXXX showing that the XXXX drop was indeed on my porch even though it required a signature further proof it was forged by XXXX driver.

Company response to consumer: Closed with explanation