vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am filing this complaint against Citizens Bank N.A. regarding my FHA-insured mortgage loan, Loan Number XXXX, FHA Case Number XXXX, on the property at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX DUAL TRACKING VIOLATION : On XX/XX/XXXX, Citizens Bank issued me a written forbearance plan explicitly stating " We will not pursue foreclosure during the forbearance plan term. '' Only 9 days later, on XX/XX/XXXX, Citizens Bank sent me a delinquency notice threatening Sheriff Sale and foreclosure proceedings. Citizens Bank also issued a Notice of Intention to Foreclose Mortgage while the forbearance was still active. This is a dual tracking violation under 12 C.F.R. Section 1024.41. This same pattern occurred previously when Citizens issued a Notice of Intention to Foreclose on XX/XX/XXXX, then issued a forbearance the very next day on XX/XX/XXXX. FHA LOSS MITIGATION VIOLATIONS : As servicer of an FHA-insured loan, Citizens Bank is required under HUD Handbook 4000.1 to evaluate me for all FHA loss mitigation options before proceeding with foreclosure. My previous forbearance was resolved through a HUD Partial Claim of {$8600.00} in XX/XX/XXXX. Citizens Bank has failed to offer or evaluate me for a second Partial Claim or FHA-HAMP loan modification for the current arrearage of approximately {$7400.00} representing only 6 months of missed payments. RESPA VIOLATIONS : I sent a Qualified Written Request on XX/XX/XXXX requesting documentation of loan ownership and FHA loss mitigation options. Citizens Bank 's responses were inadequate. Citizens Bank refused to produce the original promissory note and failed to provide adequate proof of ownership and authority to service this loan. CHAIN OF TITLE CONCERNS : Public records at XXXX County Recorder of Deeds show no assignment of mortgage was recorded from loan origination in XX/XX/XXXX until XX/XX/XXXX - over XXXX years. During this entire period Citizens Bank collected payments, issued forbearances, and threatened foreclosure without any recorded assignment establishing its standing to do so. RELIEF REQUESTED : Immediate suspension of all foreclosure proceedings Compliance with FHA loss mitigation requirements including evaluation for Partial Claim and loan modification Forbearance extension pending loss mitigation review Investigation of dual tracking violations Proper response to my outstanding QWR I have documentary evidence for all claims including the contradictory forbearance and foreclosure letters, XXXX County public records showing the assignment gap, and Citizens Bank 's own letters acknowledging they can not produce the original promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> around XXXX XXXX XXXX I deposited a check for {$3200.00} using the PNC Bank App. The PNC Bank app only registered/ deposited {$1000.00}. I advised the local branch of this matter in XXXX XXXX, XXXX and the customer service # at XXXX. I was advised by PNC XXXX XXXX, XXXX bank branch the amount was going to be disputed and that's it. No other actions were taken. I need help with the resolution of this discrepancy with PNC Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L J ROSS ASSOCIATES IN To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that i owed the debt. This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me i ask that you prove that i am indeed the party who is contractually bound to pay off debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have the authority to collect this alleged debt. Agreement signed by the alleged debtor with promises to pay the original creditor. Complete payment history on this account to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company Sincerely XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Capital One to ask why I did not receive the {$200.00} welcome bonus, since at the time I applied for the XXXX card, the promotion clearly showed a {$200.00} bonus after spending {$500.00}. I completed the {$500.00} spending requirement on XX/XX/XXXX. However, when I contacted customer service, I was informed that this promotion does not appear on my account and that they would not apply the bonus. I have a screenshot proving that this offer was displayed during my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has failed to provide legally required account statements and transaction records for an account held in the name of my trust fund. This lack of transparency has prevented me from identifying the cause of substantial financial losses. Their refusal to provide documentation raises serious concerns about unauthorized activity and potential criminal misconduct. Despite multiple requests, Wells Fargo denies wrongdoing and has not provided any explanation for the missing funds. I am requesting a full CFPB investigation into Wells Fargos handling of this account, including their failure to provide records, their lack of transparency, and the unexplained loss of trust assets.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a merchant dispute on XX/XX/XXXX because I cancelled a service woth th emerchant under their cancellation policy, it was accepted and they sent me an email confirming the cancellation and full refund, also they attached the full refund receipt for the 2 transactions, and voided voucher. The claim was denied by the bank without supportive documents or evidence to give that determination. In my case I sent all the official documents that prove that the service was cancelled and the refund is pending.

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 2026-02-25 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:
Validation of Debt Request - SPRINGOAKCAP - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I am filing this complaint regarding a disputed debt that has been reported to the credit bureaus by IC System , Inc., allegedly on behalf of XXXX XXXX XXXX. I formally requested debt validation from IC System on XX/XX/XXXX. In that written request, I asked for : The name of the original creditor Date ( s ) of service A detailed, itemized statement of charges Proof of my responsibility for the balance Suspension of collection activity until verification was provided On XX/XX/XXXX, I received a response stating that XXXX XXXX XXXX had verified the debt. However, no complete itemized billing statement, contract, or supporting documentation was provided. The response appeared to be a summary only. The amount referenced by IC System was {$1700.00}. However, the amounts currently reported to TransUnion appear as separate entries ( {$600.00}, {$310.00}, and {$600.00} ), which do not clearly reconcile with the stated total. This inconsistency raises concerns regarding the accuracy of the reporting. Additionally : I have formally disputed this account directly with XXXX XXXX XXXX. I have requested a full written account reconciliation. I have requested that all communication be handled in writing. I have received no substantive response addressing the disputed billing calculations. The account appears to have been sent to collections despite active written dispute. I am concerned that : Proper debt validation has not been provided under the Fair Debt Collection Practices Act ( FDCPA ). Inaccurate or inconsistent amounts may be reported to credit bureaus. Collection activity and credit reporting may have continued despite a pending written dispute. Desired Resolution : I am requesting : A full and proper written validation of the alleged debt, including complete itemized billing records and contractual basis for the charges. Investigation and correction of any inaccurate or inconsistent credit reporting. Suspension of collection activity until the dispute is properly resolved. Written confirmation of the corrected balance, if any. I am maintaining records of all correspondence and reserve all rights under federal consumer protection laws. Best, 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
Consumer complaint received 2026-02-25 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: MO

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Citi Card charged {$710.00}, XXXX, {$780.00}, {$25.00}, {$25.00} .. various times.. Passenger last names are always wrong and different ( XXXX, XXXX, XXXX ) They reverse it and charge again. It is confusing and It is absolutely fraud case, ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) The legitimate charge was on XX/XX/XXXX {$0.00} ( XXXX ) and XX/XX/XXXX {$5.00}. There are NO legitimate charges between these dates used by us. WE DID NOT USE THE CARD after XX/XX/XXXX except one charge late XXXX {$5.00}. The Citi Card says TOTAL BALANCE {$2200.00} on XX/XX/XXXX. Our calculate says it should be - {$35.00} ( negative ). We closed the account and we do not owe anything.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
After reviewing my XXXX or Chex Systems account, I noticed accounts that were not familiar to me. I sent a validation to XXXX requesting information in regard to the listed accounts and have yet to receive any information that justifies the reporting of the accounts on XXXX report. Please find a list of accounts and the Validation letter that was sent. XXXX XXXX Account # XXXX Account # XXXX 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On XX/XX/year> and XX/XX/year>, two unauthorized charges totaling {$21000.00} posted to my credit card account from XXXX XXXX in XXXX XXXX. The credit card company had already identified fraud on my account on XX/XX/year> and removed smaller fraudulent charges. However, these two large charges remain on my account. I notified the company on XX/XX/year>. I have attempted multiple follow-ups. The fraud department will not accept inbound calls and has failed to return three promised callbacks. The merchant has acknowledged this was a fraudulent phone order and that it shipped to a state unrelated to me. The charges remain on my account, pushing me over my credit limit and causing a XXXX drop in my credit score due to increased utilization. I am requesting : Immediate provisional credit while investigation is pending Removal of over-limit status Removal of interest and fees Confirmation this will not be reported as delinquent The company is delaying resolution and failing to protect me from ongoing credit damage during a confirmed fraud investigation.

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Account CREDIT COLLECTION SERVIC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with a receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or i will be forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Sezzle Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased an item from XXXX XXXX using Sezzle installment payments totaling {$720.00}. The order was never fulfilled and was later refunded by the merchant. To pay my installments, I loaded {$450.00} from my personal debit card into my Sezzle Balance specifically to satisfy payments for this order. These were not promotional credits or rewards they were direct debit card funds. After the merchant issued the refund, part of my payments were returned to my debit card. However, {$450.00} remains locked in Sezzle Balance. Sezzle has refused to return these debit card funds to my original payment method and has stated that Sezzle Balance funds can not be withdrawn or refunded. I requested escalation and a manual review but was told no exceptions are possible. I am seeking the return of {$450.00} to my original debit card because these funds were tied to a canceled and refunded transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am reporting a systemic failure by Goldman Sachs ( Apple Card ) to properly investigate a billing error for 'Services Not Rendered ' ( 12 CFR 1026.13 ). Despite three dispute attempts and clear documentation, the bank has repeatedly failed to conduct a 'reasonable investigation ' as required by the Fair Credit Billing Act ( FCBA ). Timeline of Regulatory Failure : XX/XX/XXXX : Merchant provided written confirmation of a prorated refund ( {$950.00} ) due to business closure/lockout ( Attachment 02 ) XX/XX/XXXX : Initial dispute filed with the merchants refund promise as evidence. XX/XX/XXXX : Dispute denied. Goldman Sachs incorrectly cited an unrelated {$950.00} credit from XX/XX/XXXX ( 8 months prior to the incident ) as evidence that the refund was already issued ( Attachment 03 ). This is a gross administrative error. XX/XX/XXXX : Second dispute denied. Bank claimed the transaction was 'authorized, ' ignoring the fact that the dispute is for non-delivery of services for an authorized transaction ( FCBA 1026.13 ( a ) ( 3 ) ). XX/XX/XXXX : Third dispute denied claiming 'no evidence to substantiate, ' despite the submitted merchant emails and public record of the vendors XXXX bankruptcy ( Attachment 04 ). XX/XX/XXXX : A manager verbally admitted the previous rejection was 'incorrect ' but stated the only remedy was a fourth XXXX dispute cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally notify you that I am a XXXX XXXX XXXX XXXX and fraudulent reporting on my credit file. I recently reviewed my credit report and discovered accounts, inquiries, and addresses that do not belong to me and were not authorized by me. I have already submitted previous disputes regarding incorrect addresses, but I am still seeing fraudulent information attached to my credit profile. I have also received multiple alerts that my personal information may have been exposed in a data breach and is possibly being used without my consent. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting an immediate investigation and permanent removal of all these listed

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
On or about [ XX/XX/XXXX ], I received a federal tax refund via direct deposit from the IRS into my Cash App account in the amount of approximately $ [ XXXX ]. I have used this Cash App account from ( XX/XX/XXXX ) and previously received regular payroll direct deposits and personal payments without issue. On ( XX/XX/XXXX ) same day or shortly after ], my Cash App account was closed without prior warning. My XXXX XXXX was deactivated, XXXX XXXX access was disabled, and I lost access to my entire balance. On XX/XX/XXXX, I contacted Cash App customer support to request an explanation and access to my funds. I was told the account allegedly violated Cash Apps Terms of Service, but the company refused to identify the specific rule or transaction involved. Cash App advised me to transfer my balance to linked bank accounts ; however, I informed them on XX/XX/XXXX that those accounts are overdrafted and inactive and that transferring funds to them would not allow me to access my money. This Cash App account is my only active financial account. As of XX/XX/XXXX, I still do not have access to my funds. The closure and lack of access are causing immediate financial hardship, including transportation needs for my child and expenses related to an upcoming relocation. I am requesting the urgent release of my available balance through an alternative disbursement method, such as a mailed check or other supported option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Mandarich Law Group, LLP
State: ID

Complaint narrative:
They sent me mail about a debt I do not know that was created in 2021 while I was living here in IDAHO. I told them to cease and desist all collection attempts after they ( Mandriarch Law Croup ) failed to prove the debt ( Last time on XX/XX/XXXX2026 ) and they kept messaging me.This is a blatant vilation of law under FDCPA 1692c ( c ) now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, multiple unauthorized transactions totaling {$34000.00} were posted to my account, including XXXX XXXX transfers and XXXX transactions. I reported the transactions and submitted disputes on XXXX XXXX, 2026. I provided medical documentation confirming that I was hospitalized and sedated during the period in which these transactions occurred and was medically incapacitated. The company denied the disputes. I submitted a formal written rebuttal and requested supervisory review and transaction-level authentication records supporting the claim that the transactions were authorized. The company issued multiple determinations across separate claims using materially identical template language. None of the responses addressed my hospitalization or sedation documentation, and no transaction-level authentication evidence has been produced despite my requests. I am filing this complaint because I believe a reasonable investigation was not conducted under Regulation E.

Company response to consumer: Closed with explanation