vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Unjust Forfeiture of Earned Cash Assets/ Request for Debt Mitigation Offset : On XX/XX/2026, Citibank closed my XXXX XXXX XXXX account due to cross-account delinquency on my other internal Citi accounts. At the exact time of closure, this account held a balance of over {$1000.00} in accumulated cash back rewards. These rewards represent direct financial assets earned through successful purchases made and paid for in good faith over the preceding 11 months. Because Citibank closed the account just days before the scheduled XX/XX/2026 distribution cycle, the bank has seized and withheld these funds, claiming total forfeiture. On XX/XX/2026, I spoke with a Citi supervisor and offered a good-faith resolution : to have the {$1000.00} cash value of my earned rewards applied directly as an internal ledger offset against my outstanding delinquent Citi balances . This would immediately mitigate Citi 's financial risk and lower my debt. The supervisor denied this request, choosing instead to wipe out {$1000.00} of my earned assets while keeping my debt completely intact. I am filing this complaint to request an Executive Review. I ask that Citibank issue an emergency executive exception to apply the {$1000.00} value of my earned rewards as a direct statement credit to my outstanding Citi debt. Liquidating a consumer 's earned assets right before distribution while refusing to apply them to outstanding debts with the same institution constitutes predatory and bad-faith corporate behavior.

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 2026-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NC

Complaint narrative:
It is XXXX my XXXX XXXX XXXX grandmother, who is also my co-signer, out. She is unable to help me with payments, which they have been told time and time before. Theyre going to give her a XXXX XXXX or XXXX if they keep on harassing her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: CA

Complaint narrative:
I am filing a complaint regarding my Wells Fargo XXXX XXXX account. For a long time, I had automatic payments set up through my XXXX account for this credit card. My payments had consistently been made automatically without issue. At some point, my XXXX account was closed or disconnected, and I was not aware that the autopay arrangement had also stopped working. Additionally, the checking account previously linked for autopay had already been closed for quite some time. However, I did not receive any clear or adequate notification from Wells Fargo that my automatic payments had failed or that my account had become past due. Because of this system and communication failure, I unknowingly missed payments despite fully intending to continue paying on time. Wells Fargo also charged late fees on the account. When I previously contacted customer service, I was told that a {$50.00} refund/credit would be issued to me as a courtesy adjustment. However, I never received this promised refund. I believe Wells Fargo should have provided clearer notification regarding failed autopay activity and overdue status, especially given my prior history of automatic and timely payments. I am requesting that Wells Fargo : Fully refund all late fees related to this issue Honor the previously promised {$50.00} refund/credit Remove any negative credit reporting associated with these missed payments Conduct a review of the notification process regarding autopay failures connected to XXXX accounts This situation was not the result of intentional nonpayment, but rather confusion caused by the termination of the XXXX-linked autopay system, closure of the previously linked checking account, and insufficient notification from Wells Fargo. Thank you for your 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 monetary relief
Consumer complaint received 2026-05-20 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Several charges were made to my account without my permission. I disputed it with Wells Fargo and they said they wouldnt dispute it and they were authorized. I resumed that they werent and got told to XXXX myself so now I have to sue Wells Fargo in the court of law

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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
In XX/XX/year> I obtained a 30-year conventional fixed-rate mortgage for {$290000.00} at 4.625 %, with an original maturity date of approximately XX/XX/year>. During COVID-19 I entered a forbearance plan. When forbearance ended I was in a panic and operating under extreme fear of losing my home. I do not recall being clearly presented with multiple options or alternatives. I can not say with certainty what was or was not disclosed to me because I was not in a state to fully process the information at the time. I ended up in a loan modification that extended my maturity date from XXXX to XXXX adding approximately 14 years to my mortgage without understanding that consequence when I agreed to it. My current balance is {$290000.00} with 442 payments remaining at $ XXXX. I am filing this complaint because I believe I was not given a fair opportunity to understand my options and was placed into a modification that was not in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard, LLP
State: MA

Complaint narrative:
I went to the XXXX XXXX police and got a police report and also filled out a AFFIDAVIT for the total of XXXX that is not in my legal name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: UT

Complaint narrative:
I started a withdraw XXXX investment app for {$24000.00} on XX/XX/XXXX I got an email immediately saying " your withdraw is under review we will let you know what we find with in 24 hours '' it has now been XXXX going on XXXX days and they have not sent me anything else. They will not release the money to be invested or transferred or withdrawn and will not respond to me by email or chat. They do not have a number to call and actually be able to talk to anyone. I have tried getting in touch with them for the last XXXX going on XXXX days and NO response at all.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, Please help me remove fraudulent accounts from my credit report. Thank You

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 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal is refusing buyer protection for a fraudulent merchant operating under the names XXXX XXXX, XXXX XXXX, and XXXX. The merchant took my funds for digital packages and then permanently locked my account on XX/XX/XXXX, resulting in a total non-delivery of services. The merchant already issued partial refunds on PayPal admitting fault, and I am requesting a full compliance review to reverse the remaining fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a medical scan. The original provider, XXXX XXXX XXXX, completely failed to properly bill my actual insurance carrier at the time of service due to their own administrative error. They have admitted to trying to file the claim with XXXX XXXX XXXX XXXX, an insurance provider I did not even hold at that time. Rather than contacting me to obtain the correct insurance information, they immediately dumped a {$500.00} balance into collections with SCA Collections , Inc. on XX/XX/XXXX. The date of service was XX/XX/XXXX. Under South Carolina law ( S.C. Code 15-3-530 ), the 3-year statute of limitations for this debt expired on XX/XX/XXXX. This debt is now officially time-barred and legally uncollectible. Furthermore, because the provider failed to submit the claim within the required timely filing window, they can not legally penalize me for their clerical mistake. Despite this debt being time-barred and stemming entirely from a provider billing error, SCA Collections is actively reporting this {$500.00} balance on my XXXX credit report with an expiration date of XXXX, causing ongoing damage to my credit score. I am requesting that SCA Collections and XXXX XXXX XXXX immediately cease all collection activities on this invalid account and permanently delete the collection trade line from my credit files.

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 2026-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Mortgage Lending LLC
State: OH

Complaint narrative:
I receive letters similar to the attached, sometimes 3 times a week for the past five years. Each year there is an update as to what the mailer looks like, however it is still the same reasoning. Offering money through certain benefits of my VA loan. They are harassing in nature, and scamming veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I am requesting review and removal of a reported 30-day late payment for the month of XX/XX/year>. The payment issue occurred because the lender drafted from an outdated/closed bank account despite my intent to remain current. Once notified, payment was immediately resolved and the account is now current. I respectfully request a goodwill adjustment and correction of the late reporting due to the circumstances and my otherwise positive 5 year payment without a late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: LA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, financed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX California ; XXXX posted for sale by me ( owner ) on XXXX Marketplace XXXX XXXX payoff amount of {$20000.00}. A buyer from XXXX, reached out wanting to purchase my truck in the full amount VIA phone with a representative from XXXX XXXX, we had a three-way phone callthe representative asked for the account numbers from the buyer which he provided for the full pay-off amount, XXXX payment. After concluding the phone call, I cancelled my insurance ( no longer my vehicle after he purchased it ) XXXX verbally told me over the phone that my loan balance was {$0.00}. XXXX also sent me XXXX separate emails thanking me for financing with them, and that my loan balance was again, {$0.00}. He received the truck the following morning XX/XX/XXXX. XXXX weeks later, I am called and warned my truck is out for repossession with XXXX due to unpaid balance, I informed them it had been sold XXXX weeks prior, they then told me the account was insufficient funds, and that the vehicle is still in my name with a full balance. XXXX entire weeks had went by. I was told XXXX times in total that my loan balance was {$0.00}. A XXXX XXXX also informed me the representative should not have accepted a pay-off amount VIA XXXX, rather it should have been a money order, or cashiers check mailed in. The vehicle has not been recovered, and the buyer was notified and ceased communications. An open police case was made, with attempts to locate the vehicle, but have failed. XXXX did not do their job properly at all, and it has cost me my XXXX XXXX, and a {$20000.00} vehicle I can not find.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company : Synchrony Financial XXXX XXXX XXXX credit card / financing Issue Type : Problem with a purchase / billing dispute / quality of goods dispute Date : XX/XX/year> Amount : {$7.00}, XXXX I financed a XXXX mattress through Synchrony Financial. The mattress developed significant performance and material issues. I initiated a warranty claim with the manufacturer and provided the requested photographs and supporting documentation. During the claim process, I also reported concerns regarding particulate material emerging from the mattress and worsening health symptoms associated with exposure to the product. I informed the company in writing that my physician advised me to limit interaction with the mattress due to ongoing symptoms and that I am currently under medical care and taking medication related to those symptoms. Because of these medical limitations, I am unable to provide additional documentation requiring handling of or close proximity to the mattress. Despite this, the warranty process has effectively stalled due to repeated requests for additional documentation, while I remain financially responsible for the financed account through Synchrony Financial. I have requested escalation and alternative review based on the materials already submitted, but the matter remains unresolved. I am requesting assistance in ensuring this matter is reviewed fairly and that reasonable consideration is given to the documented medical limitations associated with the warranty claim tied to this financed purchase.

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 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a qualified beneficiary of an irrevocable trust ( Account XXXX ) held at Truist Bank , N.A. I am filing this complaint regarding fiduciary misconduct by Truist and its registered XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ). Issue XXXX CONFLICT OF INTEREST : XXXX Truist employees, XXXX XXXX ( XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX ), witnessed the Last Will and Testament of XXXX XXXX XXXX, XXXX dated XX/XX/XXXX, which named Truist as fiduciary. Truist then declined to serve as XXXX without notifying me. XXXX XXXX confirmed this in writing on XX/XX/XXXX. Issue XXXX UNAUTHORIZED TRADING : Truist account records for XX/XX/XXXX show dozens of trades marked " DISCRETION EXERCISED '' affecting my trust account, executed after Truist declined fiduciary responsibility. XXXX confirmed on XX/XX/XXXX : " I am not the XXXX or XXXX. '' Issue XXXX PRIOR SETTLEMENT : On XXXX XXXX, XXXX, the DOJ resolved XXXX allegations against Truist for {>= $1,000,000} for identical conduct failing to meet fiduciary obligations to trust beneficiaries. This pattern is repeating in my account. Issue XXXX INFORMATION WITHHELD : On XX/XX/XXXX, XXXX privately answered XXXX XXXX XXXX 's question about {$220000.00} in questioned trust entries. I was excluded from that reply despite being a co-equal qualified beneficiary. Issue XXXX REFUSED RECORDED MEETING : XX/XX/XXXX, XXXX refused to allow a beneficiary meeting to be recorded. I am a XXXX adult ( XXXX XXXX XXXX ). The trust holds over {$1.00} XXXX. I have received no regular distributions and faced utility disconnections while the trust remained fully funded. Related filings : DOJ XXXX ( XX/XX/XXXX ) ; FBI Tip XXXX ; SEC XXXX XXXX ; FINRA File XXXX ; OCC complaint ( XX/XX/XXXX ). Resolution requested : Investigation of Truist 's fiduciary conduct in Account XXXX and mandatory response to my outstanding document requests.

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 2026-05-20 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: RI

Complaint narrative:
I am filing a formal complaint against Citibank for a clear violation of the XXXX XXXX Billing Act ( FCBA ) regarding " services not rendered. '' On XX/XX/year>, my flight ( Wizz Air # XXXX from XXXX XXXX to XXXX ) was completely cancelled by the airline. Please note that I live in the XXXX and purchased these airline tickets in the XXXX. Because the airline cancelled the flight, they failed to provide the service I purchased. Under XXXX regulations and basic contract law, I am legally entitled to a full cash refund. I initiated a credit card dispute with Citi for the amount of USD {$480.00} ( Case # XXXX ). However, Citi improperly sided with the merchant and reversed the dispute. The merchant ( XXXX XXXX ) misled Citi by XXXX the refund process was handled. In reality, the airline directed me to use their app to process the refund, promised app " credits '' within XXXX hours that could be converted to cash, and then completely failed to deliver those credits. I have received XXXX credits, XXXX funds, and no flight. I have exhausted all efforts to resolve this. I sent multiple emails to the merchant in XX/XX/year> which went entirely ignored. When XXXX XXXX finally replied on XX/XX/year>, they provided a broken, non-functional web form link, which is a bad-faith stalling tactic. I sent a comprehensive appeal letter via email to XXXX XXXX XXXX Department on XX/XX/year>, outlining this breakdown, providing proof of the airline 's cancellation, and showing the merchant 's failure to perform. Citi has ignored my communication ( no response to my email as of today, XX/XX/year> ) and is currently facilitating a merchants fraudulent retention of my funds for a service they never provided. Per the XXXX, I am not liable for charges where the merchant fails to deliver the promised services. I request that Citi immediately reopen this case and permanently credit my account for USD {$480.00}.

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 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XXXX was XXXX under XXXX forgiveness on XX/XX/XXXX. XXXX. Everything was finalized and processed for forgiveness on XX/XX/XXXX. I had reached out to them for next steps regarding refund for overpayment several times. On XX/XX/XXXX an account XXXX informed me it was right around the XXXX business days so should be processed soon. I called again on XX/XX/XXXX, and informed by another account XXXX it still was waiting for approval from Mohela before it was sent to the treasury department. I inquired regarding timelines and she was unable to provide any timeline information. It has now been XXXX business days since forgiveness was officially granted, however, i had to wait XXXX months before that for them to catch everything up after i was informed it was approved for forgiveness along with XXXX months prior to that for their systems to catch up and acknowledge my payments provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX I need you XXXX XXXX, to put it in writing that you state that NO MONEY ( none of my money over the XXXX ) can be withdrawn from my Edge account for the XXXX Days after the NEW MONEY is deposited for the XXXX bonus according to the letter. I reiterated the rules with XXXX XXXX XXXX to me bringing new money from my other bank accounts so that my old money was not subject to the new money deposited rules. He confirmed that it was in the case and XXXX would NOT be tying up ALL my old money for the XXXX days. THIS IS NOT LEGAL. DO NOT play games with me. Even if you took an average ( XXXX said it was taken as an average ), my account was WELL OVER XXXX for more than XXXX days. XXXX XXXX XXXX has been notified. PLEASE DO NOT ALLOW XXXX XXXX TO CHEAT AND DEFRAUD DISALED SENIORS BECAUSE THEY KNOW IT CAN NOT BE REPORTED AND IT WILL LIKELY GET SWEPT UNDER THE RUG. Please do the ETHICAL thing and help me.

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