vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has a program called Capital One offers where they entice consumers to shop through offers for elevated miles bonuses. I have made numerous purchases that are eligible and Capital One does not issue the miles. I have tried a dozen times to resolve with them and the agents always just tell me they cant find the purchase even though it was paid for with the Capital One card! For example, on XX/XX/year> I made a purchase of {$130.00} at XXXX. I used the Capital One card which shows I made the purchase. Capital One keeps telling me they have no record of this purchase even though its clearly complete and I should have gotten XXXX. They are scamming consumers out of XXXX XXXX XXXX of dollars worth of points and rewards. This also happens 2 times when I reserved a car through XXXX which was supposed to be XXXX. It also happened with my XXXX purchase. They always just say they dont have a record of the purchase but I have proof these were made. When I called about the XXXX and XXXX purchases they told me I dont qualify for the offers because in those cases I didnt pay with my Capital card but that doesnt matter, you dont have to use the card to pay. I have gotten rewards where I use a different card and the website expressly states you dont have to pay with a Capital card so long as it is a qualifying purchase, which mine always were. I am attaching here proof of my XXXX purchase as well as a snapshot of the FAQ from the Capital One offers portal that shows how the representatives are blatantly lying to consumers when they tell them they have to pay with the Capital card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I discovered approximately {$1300.00} in XXXX XXXX purchases charged to my Apple Card through the XXXX XXXX XXXX. I did not knowingly authorize or approve these charges. Multiple large charges were processed within a short period of time. After discovering the transactions, I immediately contacted XXXX and Goldman Sachs/Apple Card to dispute the charges and request a refund. I explained that the XXXX purchases were unauthorized and that, to my knowledge, the XXXX currency/items connected to the purchases were never used. Despite my dispute, XXXX and Goldman Sachs denied my claim and stated there was insufficient evidence to support my dispute. I believe the investigation and handling of my dispute were unfair and inadequate considering the unusually high amount charged and the circumstances surrounding the transactions. I am submitting this complaint requesting that the dispute investigation and denial be reviewed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: SC

Complaint narrative:
I attached this information statement to the uploads I sent you my complaint is there

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally dispute and request validation of a debt appearing on my XXXX credit report under your company name in the alleged amount of {$560.00}. I do not recognize this debt and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the following : 1. Proof that this debt belongs to me 2. The name of the original creditor 3. The original account number 4. Complete chain of ownership showing how you acquired this debt 5. An itemized breakdown of the full balance 6. A copy of the original signed agreement Until this debt is validated, you must cease all collection activity and remove this account from all credit bureau reports. If you can not validate this debt, delete it from my credit file immediately. I am also filing a complaint with the Consumer Financial Protection Bureau regarding this account. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 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: Chime Financial Inc
State: NM

Complaint narrative:
XXXX dollars were taken from my account on XX/XX/XXXX with unauthorized transactions that were not authorized by me. I submitted a dispute form to Chime on XX/XX/XXXX and they had already completed their transaction by XX/XX/XXXX when they have already told me that it was gon na take 10 days for them to go ahead and do the investigation on my account. The account XXXX told me there is nothing else that they could do and that they had came to the conclusion with XXXX less than 24 hours. No unauthorized transactions had been taken place as well as no mistake had been made when I specifically had told him I had not made those transactions and the card that they were using for the transactions was locked, so I dont understand how thats possible that the money couldve came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express ( AmEx ) provides up to {$10000.00} of travel insurance through XXXX XXXX for travel booked with AmEx. I booked a family trip to a XXXX XXXX resort with my AmEx card. I had to cancel the trip on XX/XX/year> because of family medical reasons. On XX/XX/year>, the resort charged my AmEx account {$30000.00}. On XX/XX/year> the resort advised that no refund was available. I completed and had signed ( including by our physician ) the claim forms that XXXX XXXX required for the insurance claim. I mailed them to XXXX XXXX XXXX return receipt requested on XX/XX/year>. I received the return receipt signed by a representative of XXXX XXXX on XX/XX/year>. Since XX/XX/year> I have received no payment of the insurance claim for which XXXX XXXX assigned claim # XXXX. I complained about this to XXXX XXXX requesting that Managers respond to me. None have. I have also complained to AmEx about this unfair and deceptive payment delay by XXXX XXXX. At the request of AmEx I uploaded to its Customer Service Dept. all of the documents that demonstrate the misconduct of XXXX XXXX. Having received no response by AmEx I contacted it again on XX/XX/year> before XXXX a.m. to request that an AmEx account manager contact me immediately to resolve this matter. I have heard nothing back from AmEx. This is also shoddy customer service by AmEx - to which I as a XXXX year customer should not be treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 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: PA

Complaint narrative:
I am filing this complaint against Citibank / Citi Cards for failing to properly investigate and resolve a billing dispute filed under the Fair Credit Billing Act. Summary of the dispute : On XX/XX/year>, I was charged {$940.00} by XXXX XXXX XXXX, XXXX ( XXXX, PA ) for a plumbing service call at my rental property ( XXXX, PA XXXX ). The work performed was described as clearing a blocked sewer main line using a cable snaking machine. I am disputing {$800.00} of this charge on the grounds that the service was not completed as expected. Key evidence of failed service : Only seven ( 7 ) days after the first visit, on XX/XX/year>, the same plumbing company ( XXXX XXXX ) was called back to the same property for the identical sewer blockage problem and charged me an additional {$420.00} ( Invoice # XXXX ). The second technicians own invoice notes confirm that the fresh air inlet the exact access point used on the first visit was still covered, and that the house trap was narrow filled with dirt and mulch. The technician recommended a hydrojet and camera inspection, which should have been performed during the first visit given the severity of the blockage. In other words, XXXX XXXX own documentation proves the first visit failed to resolve the problem. Citis handling of the dispute : I filed a dispute with Citi on XX/XX/year> ( Citi Case ID : XXXX ) on the grounds of goods/services not as expected. Citi issued a conditional credit of {$800.00} at that time. I subsequently sent Citi a detailed written dispute letter via certified mail, including both invoices and photographic evidence showing the severity of the initial blockage and the condition of the drain at the second visit. Despite this documentation including the merchants own second invoice as evidence of an incomplete first repair Citi sided with the merchant and reversed the conditional credit, holding me responsible for the full disputed amount. Why I believe Citis decision was incorrect : Under the Fair Credit Billing Act, a billing dispute based on services not rendered as expected requires the card issuer to conduct a reasonable investigation. I provided Citi with two invoices from the same merchant one for the disputed charge and a second one, dated just seven days later, for the same work at the same location. The second invoice is not a separate, unrelated service : it is direct, contemporaneous evidence from the merchant itself that the first repair was incomplete. A reasonable investigation would have recognized this. Instead, Citi appears to have accepted the merchants response without adequately weighing this evidence.

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 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
ProCollect is reporting/collecting a disputed debt for XXXX XXXX XXXX XXXX ). I timely disputed the debt and requested supporting documentation. ProCollect responded with a letter dated XX/XX/year> listing the alleged balance ( {$290.00} ) and an internal landlord ledger. The ledger contains a flat Cleaning Fee ( {$170.00} ) and a Carpet Replacement charge ( {$120.00} ) described as Charge for remaining 2 years of life, but does not provide documentation sufficient to establish tenant-caused damages beyond normal wear and tear or a reasonable depreciation methodology. I have requested itemized invoices/work orders for cleaning and documentation supporting carpet useful life and installation date. I dispute the enforceability and accuracy of the amount being reported. I am requesting that ProCollect cease collection and delete any credit reporting unless it can provide competent documentation establishing the charges are valid. We did all the list of required cleaning and they did not do a walk-through. They gave us a checklist and said to drop off the key when all was completed. We cleaned well. We did not have a deposit as it was not required. We were great tenants for three years, paid everything on time, completed all renewals, and did not leave any damage. Documents attached : ProCollect letter with account number and balance ; XXXX statement/ledger ; lease excerpts.

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 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: TN

Complaint narrative:
I closed the account and was advised the money would be sent in XXXX business days. I waited the time frame I had been given and let them know the money was yet to be received. I was then told to wait XXXX more days, after which I still had not received my funds. I was then told I had to wait another XXXX hours for them to investigate what happened with the check.

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 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am writing to formally dispute the unauthorized withdrawal of {$22000.00} from my Citibank savings account on XX/XX/XXXX. I recently received response stating that my claim was denied because the transaction was supposedly " authorized. '' However, I must state unequivocally that I never authorized this transaction, nor do I have any knowledge of who received these funds. This was entirely an unauthorized and fraudulent transfer As a victim of identity theft or financial fraud, I am deeply concerned that citibank initial investigation concluded otherwise. I have never shared my account credentials or pin with anyone. Therefore, I request an immediate re-investigation into 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 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a disputed account that was referred to collections and later reported to the credit bureaus despite lack of proper written notice, validation, and meaningful response to my written dispute. The original issue began in XX/XX/XXXX when I contacted XXXX regarding solar panels that were not functioning properly. I was informed that service would not be provided unless I first signed a System Performance Investigation agreement accepting potential charges. I later received a bill for approximately {$540.00} despite being informed afterward that the system was completely healthy. After receiving collection-related communication, I disputed the debt in writing via certified mail in XX/XX/XXXX. I received signed delivery confirmation proving the dispute letter was received. In my correspondence, I specifically requested that all future communication occur in writing via email or mail so I could maintain proper documentation. Despite documented receipt of my dispute, I received no meaningful written response, debt validation, investigation results, or resolution from either XXXX or the collection agency. I also did not receive adequate written notice before the account later appeared on my credit report in approximately XXXX XXXX, causing an approximate XXXX drop in my credit score. Additionally, on XX/XX/XXXX, I received another phone call from XXXX regarding my solar system despite my repeated request for written communication only. My complaint specifically concerns : -failure to provide adequate written notice and communication, -failure to provide meaningful validation of the disputed debt, -failure to properly respond to a certified written dispute, and -reporting a disputed account to collections and credit bureaus without proper resolution. I have attached the following documents : -Copy of call log -Copy of letter sent to XXXX XXXXCopy of certified mail receipt and signed signature page -Screenshot of collections on my Equifax Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC Re : XXXX XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing the alleged debt being reported by LVNV FUNDING LLC associated with XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. Please provide competent evidence that I have a legal obligation to pay this debt, including : * Signed agreement or application * Full payment history * Documentation showing chain of assignment and ownership * Verification that the information reported is accurate and complete If your company can not validate this account, I request immediate deletion from all credit reporting agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing this formal complaint against Monterey Financial Services, LLC ( operating as Monterey Collections ) for willful and ongoing violations of the FDCPA and the FCRA. They are credit-reporting and attempting to collect an illegal, prohibited medical debt.The original provider, XXXX ( Contract No . XXXX ), committed a severe routing and billing error for XXXX XXXX provided to me on XX/XX/XXXX, and XX/XX/XXXX. As confirmed by the attached official letter from XXXX XXXX XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX ( Ticket # XXXX ), XXXX failed to file the claim with the correct program and was explicitly ordered by the State of Texas that they CAN NOT bill me for these services due to provider error.Under federal XXXX regulations and Texas Civil Practice & Remedies Code Chapter 146 ( Texas Timely Billing Law ), billing a patient for a provider 's administrative or timely-filing error is strictly illegal.Despite being notified of this state determination, Monterey Financial Services sent me a collections letter dated XX/XX/XXXX ( Monterey Account XXXX : XXXX ), stating they " verified '' the debt of {$1400.00} simply because XXXX confirmed my name. They are knowingly reporting an invalid debt, misrepresenting its legal status, and completely ignoring state and federal consumer protections.I have already filed a formal complaint with the Texas Attorney General and alerted XXXX compliance. I demand that Monterey Financial Services immediately close this collection file, cease all collection activities, and completely delete this inaccurate trade line from my XXXX and XXXX credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage added a requirement for an escrow account for homeowners insurance charges for the second year of the loan, after I had already paid for the full first year of the insurance in advance. This escrow account balance is not even going to be needed or used in the first 12 months of the loan. Since this added escrow account requirement for homeowners insurance is not even needed or to be used for the first full year of the loan, I had found this add-on account to be completely frivolous. I had objected to this escrow account before signing the closing papers and I was ready to cancel be signing over this. I was told by my Rocket Loan Officer ( XXXX XXXX ) that he checked into my objection and he assured me that Rocket will close this extra escrow account upon my request in two weeks. Two weeks after closing, when I requested Rocket Mortgage to close my extra escrow account, the resolution officer checked and acknowledged that : - Their records showed that they had agreed to cancel the extra escrow account - They could not or would not honor their verbal agreement This is an extra burden on me since it increases my monthly loan payment. It is to pay in advance for home-owner insurance that will not be due until the year after the first year- the first year insurance I have have already paid for in full. The loan officer had made a mistake and that they would train their loan officers to not make such commitments in future I escalated this further within Rocket Mortgage. They came back and refused to make any corrections. They are still requiring me to pay into an escrow insurance account which is intended for the 2nd year of the mortgage, to which I had not agreed and which they had promised to resolve by closing such a frivolous account requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am formally requesting validation and investigation regarding the alleged debt being reported for XXXX XXXX XXXX XXXX in the amount of {$7200.00}. Please provide : * A copy of the original lease agreement * Move-out statements and itemized charges * Proof of damages or unpaid balances claimed * Documentation proving your authority to collect this debt * Verification that the information being reported is accurate and complete If the requested documentation can not be produced, I request immediate deletion of this account from all credit reporting agencies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank responded to my prior CFPB complaint by stating that official checks containing my account balances were mailed to my address on file following the closure of my accounts. However : - I never received the alleged XX/XX/2026 notice regarding account closure. - I have not received the official checks referenced in M & Ts response. - M & T has not provided proof of mailing, tracking information, copies of the checks, or confirmation whether the checks remain outstanding or have been negotiated. The balances referenced by M & T total approximately {$17000.00}. I am requesting : - confirmation of the status of the official checks, - copies of all notices allegedly mailed, - check numbers and issuance dates, - mailing details and tracking information, - and immediate stop payment/reissuance procedures if the checks remain uncashed. I am concerned because significant funds remain unaccounted for, and I have not received documentation confirming delivery or the current status of the funds.

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