vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: OH

Complaint narrative:
My loan was recently sold or transferred to another lender while in the process of receiving approval for a standalone mortgage recovery advance. This approval was dated for XX/XX/XXXX and received via USPS on XX/XX/XXXX. I called the previous lender to follow up with them on XX/XX/XXXX. They explained to me the loan was sold and gave me the new lender name. I didnt receive any communication from new lender, Loancare until XX/XX/XXXX and XXXX dated for XX/XX/XXXX which indicated I had a past due balance. I called them Monday XX/XX/XXXX and spoke with someone in loss mitigation about the XXXX payment which was returned by previous mortgage company, XXXX XXXX. She told me she would look into the previous paperwork. Since, Ive heard nothing. Today I received four pieces of mail from Loancare telling me I do not qualify for hardship and past due balance is due in full by XX/XX/XXXX to avoid foreclosure. Loancare appears to be not honoring the previous lenders approval. Thus violating RESPA Regulation X by dual tracking my account. I was never given the 15 day notice to transfer as well. The current service lender has never contacted me via phone. I made the initial contact.

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 2026-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
PRIOR RELATED CASE REFERENCE : COMPLAINT ID XXXX ( SUBMITTED ON XX/XX/year> ). I am escalating this new complaint based on explicit breaches of the Wells Fargo Retail Services Cardholder Agreement and subsequent violations of federal lending laws that occurred after my initial filing. Contractually, under Wells Fargo 's 'Payments ' terms, my {$200.00} advance payment fulfilled my monthly credit obligations. Wells Fargo breached its own agreement by failing to properly apply this credit, resulting in unauthorized late fees starting XX/XX/year>. Furthermore, Wells Fargo is in direct violation of : Regulation Z ( 12 CFR 1026.11 ) for failing to properly credit a payment upon receipt. ECOA Regulation B ( 12 CFR 1002.9 ) for taking adverse action ( closing my account ) without providing the legally mandated specific reasons for closure. FCRA ( 15 U.S.C. 1681s-2 ) for willfully furnishing inaccurate delinquency data to credit bureaus despite having immediate access to my account 's prepayment records. The timeline indicates a retaliatory account closure following my written inquiry regarding their internal mediation line at XXXX ( XXXX ) XXXX. I request a complete regulatory review of Wells Fargo 's automated compliance errors on this Home Improvement 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 non-monetary relief
Consumer complaint received 2026-06-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX to purchase a firearm. After filling out all of the required paperwork I paid {$1200.00} and began my 10 day waiting period before I could pick up my purchase. On the XXXX day I received a phone call from the store saying that my purchase was denied by the California DOJ and that I was not able to complete my purchase and I needed to go to the store so they could issue me a refund. I went to the store expecting to get my full amount paid back but I was told that I had to pay a " restocking fee '' because my purchase didn't go through. I was very confused by this because nobody had told me prior to my purchase that such a fee existed in the off chance my purchase was denied. I looked at my receipt and it didn't show any restocking fee warnings and the store wouldn't give me my full purchase amount back so I decided to contact my bank ( Wells Fargo ) and file a dispute for an item not received claim. After sending in the requested documentation I received a letter from my bank saying that my claim was denied and upon further investigation they said my claim was denied based on a determination by XXXX who contacted the merchant. Restocking fees or cancelation fees were never disclosed at the time of purchase and that makes it illegal under California Civil Code Section 1723.

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 2026-06-22 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
I am writing to report an unfair, deceptive, and predatory practice by XXXX XXXX Card regarding an optional, paid credit protection plan.My sole source of income is {$700.00} a month from Social Security. Because of severe financial hardship, I have been paying XXXX 's monthly fee for their optional credit/payment protection program to serve as a financial safety net.On [ Insert Date You Called ], I spoke directly with an XXXX representative over the phone. I explicitly informed the agent that I was experiencing severe financial hardship on my fixed Social Security income and needed to formally invoke and activate my paid credit protection benefits to pause my payments.The very next day, without my consent, XXXX manually cancelled my credit protection plan entirely. It appears the company deliberately stripped away my active coverage the moment they realized I experienced a qualifying financial crisis, solely to avoid paying out the benefits I have spent months purchasing.Desired Resolution : I request that the CFPB investigate this bad-faith cancellation. I ask that XXXX either : Retroactively reinstate my protection plan and immediately honor the payment suspension benefits I am owed due to my income hardship, ORFully refund every single credit protection fee charged to my accounts since opening them, as they cancelled the policy the moment a claim was requested.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I agreed to a payment plan with Citi card. There was supposed to be no more interest or late fees. I made all payments all time. Upon believing I had completed paying it off, I learned they had violated the agreement and continued charging interest. This has damaged my credit badly and ended up costing me an additional approx {$750.00}, meaning I paid off far more the payment agreement balance. Im pretty furious. I requested the payment plan and settlement via mail and never received them. They told me I could access online, but they had revoked my access to my online account. So they keep telling me to go on their website using an account I have no access to. This is all infuriating and frustrating and ruining my life. I wish I could attach payment documents but I can not access them. They definitely have them though.

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 2026-06-22 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: CA

Complaint narrative:
Citibank has failed to credit my account with a merchant refund issued on XX/XX/year>. In addition, Citibank initiated a {$4000.00} chargeback to my patient account at XXXX XXXX on XX/XX/year>. The credit for the chargeback is not showing on my Citibank statement either. Citibank should be posting a credit to my account of {$4000.00} and reverse the {$4000.00} chargeback to my patient account at XXXX XXXX. Background information On XX/XX/year> XXXX XXXX charged my credit card twice in error ( 2 times {$4000.00} ) for a procedure that cost {$4000.00}. I contacted XXXX on XX/XX/XXXX to flag the error and asked Citibank on the same day to place a hold on the payment until the issue was resolved. Transaction Details : Merchant Name : XXXX XXXX Merchant Payment Processor : Instamed Original Purchase Date : XX/XX/year> Original Purchase Amount : {$4000.00} Date XXXX XXXX Issued a {$4000.00} Refund : XX/XX/year> Date Citibank Issued a {$4000.00} Chargeback to XXXX : XX/XX/year> Expected Refund Amount : {$8000.00} XXXX XXXX has confirmed with their merchant processor Instamed that the refund was processed successfully, and I have submitted that documentation to Citibank billing disputes on XX/XX/year>. XXXX weeks have elapsed since the refund was issued and the funds have my statement or transaction history. In addition, the {$4000.00} chargeback initiated by Citibank has not posted to my 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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I.C. System, Inc. current balance {$220.00}, opened XX/XX/year>. This collection account is being reported in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The collector failed to provide proper debt validation and has not marked the debt as disputed, which violates 15U.S.C.1692e ( 8 ). Under FCRA 611, unverified information must be removed, and furnishers must not report information they know is inaccurate. Please delete this item if the furnisher original ownership/ signed contract can not provide complete verification

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 2026-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citi Bank, N.A. / Macys on XX/XX/year> via phone regarding my Macys store card. The amount owed at the time of my call was {$580.00}, I make a phone payment of {$200.00} on that day. On XX/XX/year> I called and make another payment of {$200.00}, leaving a balance of {$180.00}. However, the next bill I received from Macys was for {$370.00}, I contact Macys on XX/XX/year> in writing to dispute the new balance, however, they refused to correct the inaccuracies. I offer to pay the {$180.00} on many occasions, but they refused to take this as the final payment. Consequently, the fees, late payments has accumulated to {$580.00}. Citi Bank, N.A. / Macys has reported this negative information to all three-credit Bureau 's resulting major credit score reduction

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I'm writing to report a concern with my XXXX XXXX credit card issued by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDIC member. When I applied, I was told there would be a {$120.00} annual fee for the first year, with no subsequent charges. However, after a few months, I was surprised to see a {$12.00} monthly maintenance fee, which I never opted-in for or was notified about. I've tried to resolve this issue with the card issuer, but they're refusing to refund the charges and are instead asking me to pay off the balance to close the account. I'm urging the CFPB to take action against these fraudulent charges.

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 2026-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/year> " Synchrony Bank '' keeps sending letters that I owe {$1800.00} and I have never had an account with Synchrony Bank. The number on the letter is XXXX I called and they keep asking for my nine-digit social security number

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 2026-06-22 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: U.S. BANCORP
State: TX

Complaint narrative:
US bank has opened a checking account twice without my authorization in the last XXXX months I then had {$600.00} in charges made to my credit card despite me rarely using it from some online gaming site. I reported the XXXX and got a new card and before they even finished investigating and despite me asking for proof of why they didnt find in my favor, they claim the charges were legitimate and charged by card back!!

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 2026-06-22 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I paid a {$95.00} program fee XX/XX/year> for a Total credit card with a credit limit of {$300.00}. XX/XX/year> I called the company to ask when I should be expecting to receive my card. They told me that my car was sent out XX/XX/year> before the account was even active. However I never received a card until today XX/XX/year> only to find out that I have a balance of {$300.00} that needs to be paid. Im not understanding how I have a balance on a card I am just now receiving. I have spoken to multiple people from the company regarding the situation and they are not at all trying to resolve the problem. So I am reporting them as being fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing this complaint against CREDIT CONTROL SERVIVES, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$40.00} originally owed to XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX XXXXXXXX, on my consumer credit reports with XXXX XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 3 FAILURE TO VALIDATE ( FDCPA 15 U.S.C. 1692g ) : This company failed to provide legally sufficient validation of this alleged debt. A collection notice, a computerized printout, or a one-page account summary does NOT constitute proper debt validation under federal law. The company has not produced the original signed agreement, a complete payment history, or proof of legal authority to collect in my state. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We opened an account for our charity back in XXXX. 1. We were told that we would receive grant information, and we never received any. 2. We were told that our account was ineligible for a debit card. Months later, we were told we were eligible, as originally expected. However, we were told that we could set our own PIN, yet the bank has since refused to allow us to do so. 3. We were told that we would receive a {$500.00} bonus for depositing {$10000.00} into our account within 30 days and then leaving that amount inside our account for 60 days. A bank representative confirmed by phone on a recorded call that we had to leave that balance in our account through XX/XX/XXXX to receive the {$500.00} bonus. We've done that, yet we haven't seen our earned bonus and no one at the bank can tell us when we will receive it. 4. We attempted to send a necessary XXXX payment for a fundraising opportunity next month and the bank failed to process that payment. The bank also failed to notify us as to why we have been randomly limited to payments of only {$4000.00} per day, even if the bank was to make the payment it was directed to make.

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 2026-06-22 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: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Collection agency name : Credit Collection Services Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
Wanted a refund of XXXX for a XXXX package from XXXX XXXX that I never received for treatment.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Since the first of the year, I've been charged with two different interest rates and charges. I didn't authorize this. XXXX reps, won't help me bc they say I authorized it and I didn't. I'm a disabled senior citizen & can't afford any extra charges & why would I. I reached out months ago when I first noticed it & chatted with 2 reps today when I saw the extra charge again. They refused to help or tell me I had to dispute by mail ( I just found this out ). I've been a loyal customer for years & never have any issues at all until this year.

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