vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citibank XXXX yesterday, XX/XX/year> at XXXX PST, to close XXXX credit card accounts ( Simplicity card ending in XXXX and XXXX XXXX ending in XXXX ). Both cards had XXXX balances and I no longer had use for them. I was transferred from customer service ( XXXX ) XXXX to a " retention '' XXXX or representative ( hereafter referred to as XXXX ). The XXXX closed card XXXX without issue. I asked XXXX if both cards could be closed simultaneously and she stated it was possible. XXXX then proceeded to state the benefits of keeping XXXX open - zero annual fee, great credit limit, she can give me a promotional rate of 11.99 % for 1 year, etc. I stated again that I was not interested and explicitly asked her again to close the account. XXXX again stated that I could keep it open and use it for emergencies only. I then told her that I would be interested if the 11.99 % rate was permanent and not for a limited time. XXXX stated that it was not possible but at the end of the promotional period, I could call in and request the rate be reviewed in hopes of keeping the rate instead of it increasing to approximately 16 %. I stated that I was not interested in doing that and again asked her to close the account. She stated it was done and if I needed assistance with anything else at which time I stated I did not and ended the call. I checked my emails this morning for the closure confirmations for both accounts and I only received confirmation for XXXX. I then went to the Citi website and confirmed account XXXX was still open and XXXX was closed. I contacted customer service again, discussed my previous interaction with RS and again asked to close the account. I requested a call back from XXXX ' superior to discuss this issue. There are several potential consequences that could arise from XXXX ' failure to close accounts : * If closing credit card accounts were part of the conditions of a pending mortgage transaction, this could potentially heavily impact the decision for approval or closing. * Not closing an account as requested would impact the XXXX XXXX. * When a credit card issuer intentionally keeps your account open after you explicitly request to close it, it constitutes an Unfair, Deceptive, or XXXX XXXX or XXXX ( XXXX ). Financial institutions are bound by both the Truth in Lending Act ( XXXX ) and consumer protection laws, which mandate that they honor account closure requests and process cancellations in a timely manner. Are retention specialists/representatives incentivized??? To me, this is not about the inconvenience of having to contact Citi again but about the deceptive practices of XXXX and the consequences that could have resulted from her not closing my account as I insisted.

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 2026-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened up my first checking account with Wells Fargo XX/XX/year> because it offered {$320.00} promotion for new customers that make a {$1000.00} direct deposit within XXXX days and it stated the code will apply once the requirements are met. My account was approved. That same day and I made {$1000.00} requirements ; however, I have yet to receive my money. I contacted numerous customer service agents and different branches and all I got was the run around, nothing was resolved. So today I received an email from Wells Fargo stating that the promotion was not applied. How wasnt it applied if I met all requirements. They proceed to tell me I would need to open up another checking account to get the promotion.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Have checking/debit card account with Wells Fargo and a XXXX credit card with Wells Fargo . Someone hacked into our accounts online and transferred {$4200.00} from our checking account to our XXXX card as a payment on the XXXX card. This allowed more to be charged on the XXXX card. The XXXX card had a XXXX balance. Then the hacker went into the XXXX card and made approximately {$14000.00} worth of balance transfers to their account. We filed a claim with Wells Fargo for the debit/checking account and it was denied. They were really vague about why it was denied. Have not heard back from the credit card part yet. In the mean time, we have no money to use in either account. By law, I know we should not be liable for either amount. We need our {$4200.00} back so we can at least use that money.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have filed complaints against Citibank dozens of times and they still dont fix it! They are not allowed to hold items just so they can earn interest off my money when there are refunds of their updated charges and they just sit on it and wait so that they dont have to put the money back in my account and they get to earn interest. Its illegal its illegal its illegal and it has to stop now! Every day they do it and I am so sick and tired of it you know as well as I do its illegal and they need to be sued for it. This XXXX purchase was made on XX/XX/XXXX and they updated the amount from {$89.00} to {$72.00} on that SAME DAY just one hour after the original XXXX was placed, and now its 7 days later!!!! and Citibank still hasnt updated it to release the extra money into my account because they want to earn interest off of my money and its illegal and they cant do that! As seen in the attached documents, XXXX updated the same day. Theres no reason why its still is not showing us updated. I am sick and tired of them doing all these illegal things and holding onto my money when its my money and its illegal! Plus, its been seven days so that whole has to be released in its entirety if XXXX hasnt updated it but they have you just Citibank just continues to do illegal things and Citibank is holding it! Im sick and tired of this! I work hard for my money and I need it and I need it to be put back in my account immediately just like you when you take it out you take it immediately. You need to put it back and its youre not allowed to just sit on things when the merchant process the refund seven days ago!

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX refunded me and Citibank never posted it to my account. I filed a dispute and I have all the evidence and they never bothered to look into it and XXXX is wrong as you can see the updated amount that was supposed to be refunded. It should have been {$32.00} and XXXX said that the transaction amount was accurate which is the original transaction amount was. It was the refund that were processed after that that werent found by Citibank and those are still need to be found! The amount after the refund total is {$32.00} as shown the original credit charge of {$64.00} is accurate but theyre refunds that Citibank lost and I sent the transaction numbers to Citibank to find them and everything and they didnt do anything and they just didnt bother to actually look at the complaint. Didnt realize it was for refunds that were missing not that the original amount of the charge was wrong. This needs to be didnt bother to actually look at the complaint and realize it was for refunds that were missing not that the original amount of the charge was wrong. This needs to be fixed immediately and Citibank needs to find the missing refunds that were processed. Im owed {$32.00}! And I want it 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 monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I dispute I XXXX Systems response because it does not address any of the specific validation and verification requests submitted through my CFPB complaint and attached validation letter. My complaint requested documentation necessary to validate the alleged debt under the FDCPA, including : The original signed contract or agreement creating the alleged obligation ; Proof of ownership or authority to collect the debt ; Any purchase or assignment agreements ; A complete accounting of the balance ; and Other records necessary to validate the debt. Additionally, I requested information necessary to verify the accuracy and completeness of the reporting under the FCRA, including : The Date of First Delinquency ( DOFD ) ; The charge-off date ; and The date the account was acquired or assigned to I C System. Instead of addressing these requests, I C System merely stated that the dispute would be processed according to its internal correspondence department dispute handling policies. The response does not provide any of the requested validation documents, does not address the requested FCRA information, and does not explain what investigation was conducted. The response fails to answer the substance of the complaint and does not demonstrate that I C System possesses documentation sufficient to validate the debt or verify the accuracy and completeness of the information being reported. Because the requested validation and verification information remains unanswered, I continue to dispute the validity, ownership, and reporting accuracy of this 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 explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2026-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
My wife and I have been out of work since XXXX. COVID hurt our job seeking efforts. My wife has significant XXXX XXXX. We have lived on savings for years. The savings have run out. We have fallen behind on all our financial responsibilities. Including the mortgage. It is in the hardship letter I have attached a hardship letter for your review. I am a recently published author. Books sales are good. But not enough to pay for the back loan amount. Our XXXX was hijacked in XXXX. We have fought hard, much legal expense, and have just gotten it back. It will be in a position to begin generating some revenue in approx. 6 months. We need this window of opportunity to get back on our feet. I will be XXXX this year. My wife XXXX will be XXXX. There are not a lot of outside work options for us.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
on XX/XX/XXXX i called M & T bank to dispute a charge which would result in needing a new bank card. called customer service XXXX and was hung up on XXXX. mid way through call. first agent never put in request to get new card. i wrote a review on banks website and was called XX/XX/XXXX by consumer advocate. she stated that she can tell that card was never ordered and that she would get in touch with home branch and get card expedited. did not hear back from advocate so i called home branch XXXX XXXX on XX/XX/XXXX and XXXX. no one answers the phone at that branch. called again XX/XX/XXXX to see what progress had been made on getting my new bank card. bank rep looked at my account and i was told that there was no request for new expedited card. customer service is horrible. this is unacceptable coming from a large institution.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This is not a refusal to pay but a formal request for debt validation under the FDCPA. I dispute this debt and request proof that I am legally obligated to pay it. Please provide the amount owed, supporting documentation, the original creditor 's information, confirmation that the debt is within the statute of limitations, proof of your authority to collect the debt, and documentation of debt ownership. Thank you for your prompt attention to this matter.

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 2026-06-17 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: NC

Complaint narrative:
I made a reservation for a restaurant in XXXX FL on XX/XX/XXXX online, and was charged the full amount of the reservation. On XX/XX/XXXX, I cancelled the reservation a week prior to the reservation date of XX/XX/XXXX, with confirmation of the cancellation within the company guidelines of XXXX hours. on XX/XX/XXXX, I noticed the amount of {$320.00} was not refunded, and contacted the restaurant for a refund, and Citi. The restaurant did not respond. Citi asked I complete their dispute paperwork, and return to them for investigation by email. The following items were sent to City on XX/XX/2026 to review in their dispute process : * Citi dispute form, * restaurant reservation confirmation XX/XX/XXXX, * restaurant cancelation policy of XXXX hours with 10 % fee for no show ( {$32.00} ) * confirmation of cancellation on XX/XX/XXXX from restaurant I emailed the Citi dispute form and all documents supporting my case in PDF form on XX/XX/2026 and confirmation of receipt was sent to me by email. On XX/XX/2026 I received an email from Citi stating my documents were received " destroyed. '' I was asked to re-send my PDF email, and re-sent as requested. On XX/XX/2026 I received written confirmation from Citi the dispute was closed and my I would not be refunded. On XX/XX/2026 I called Citi and was told my information was received, but it was received destroyed, by email. I asked how the email was destroyed, and then was told the emails were " a little grainy, '' and was asked to place the emails in PDF. I referenced my dispute email, and we confirmed my attachments were sent in PDF. I was then told my handwriting was a sloppy, and this was the reason my dispute was rejected. I explained I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked my dispute be re-opened, and I am allowed to mail a copy of of my documentation. The dispute was re-opened on XX/XX/2026. XXXX XX/XX/2026, my dispute was again closed and I was refused a refund. I was not provided time to send the documents a fourth time by physical mail for review. Additionally, the site does not allow Citi 's dispute form to be dowloaded or typed, which I believe violates XXXX access. Citi has failed to provide a reasonable investigation to remedy and prevent fraud, and has failed to provide an accessible process to those with XXXX. Due to these reasons I have closed my account with Citi. I am requesting refund of the restaurant charges of {$320.00}, and all interest 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 monetary relief
Consumer complaint received 2026-06-17 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: Albert Corporation
State: NY

Complaint narrative:
I would like to put in a complaint about XXXX. I never received any emails or used the app and all of a sudden I get an email saying that my current subscription will have an increased charged of {$19.00}. I actually was able to text the company and they confirmed that they have been charging me since XXXX XXXX XXXX. I requested proof of authorization but he did not provide me with anything as of now. I spoke to my bank representative at XXXX and they see that I was charged {$10.00} per month from XXXX XXXX XXXX through XXXX XXXX XXXX. Then the charges were increased to {$11.00} from XXXX XXXX XXXX through XXXX XXXX XXXX. Then increased to {$14.00} from XXXX XXXX XXXX through XX/XX/XXXX. And today charged me {$19.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
b'I purchased a hyundai XXXX XXXX in XXXX at the lease end. I didnt receive the title and been trying to get it for years. About XXXX XXXX months ago I was stopped by police and told my car was showing as sold and no valid registration. I had valid registration in car and police said follow up with DMV who said to get registration from hyundai. Hyundai requested bill of sale and odometer statement which I had sent at least twice before, but I sent it again. Hyundai then said it would be XXXX days to receive title. I waited XXXX days and called Hyundai customer service who said they didnt get bill of sale, which customer service confirmed they did. So they started the whole process over again and said they received title from XXXX DMV but call back in XXXX days if I dont get i. Its like Im stuck in a time loop of incompetence.'

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 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX, I, as confirmed successor in interest of the borrower, telefaxed the XXXX XXXX print recording for the loan number ( XXXX ) pursuant to the bank 's encrypted message to me specifically requesting the Confirmatory Deed to the successor in interest dated XX/XX/XXXX, and recorded with the New York XXXX XXXX on XX/XX/XXXX at XXXX XXXX, and the XXXX XXXX print recording for the loan number Power of Attorney from the borrower to the successor in interest dated XX/XX/XXXX. It has been over XXXX days since the bank stands in violation of federal law ( XXXX C.F.R. Section XXXX ( f ) ), and refuses to send the escrow surplus in the sum of {$15000.00}. I need full compliance and sanctions against the bank for its stalling tactics.

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