vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year> I was unable to make a payment on my Sam 's Club credit card since I am locked out of the online account portal. Due to this access issue, I can not view my credit card statement, transaction history or any payments that have been made on the account. Despite my obligation to manage and pay the account, Sam 's Club has failed to provide reasonable access to my billing information. This has prevented me from verifying balances, confirming due dates, and ensuring timely payment. The lack of account access creates a risk of inaccurate billing, missed payments and potential harm to my credit. I am requesting immediate restoration of full account access, including the ability to view statements, transactions, and payment history as well as confirmation that no adverse credit reporting or fees will result from this issue.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Product : Credit card Issue type : Closing an account Company : Citibank , N.A . ( Citi ) On or about XX/XX/2026, Citibank , N.A . closed two of my credit card accounts without advance notice. I learned about the closures only after I called Citi approximately two weeks later to inquire about account access and status. During that call, Citi representatives confirmed that both accounts had been closed as of XX/XX/2026. Citi further stated that it would send written notice by mail after my call, and that the notice would be mailed approximately two days after I contacted them.

This sequence is unacceptable from a customer communication and governance standpoint. The accounts were closed for approximately two weeks with no prior written notice and no contemporaneous notification at the time of closure. I did not receive any warning, explanation, or timely written communication before or at the time the accounts were closed. Citis position appears to be that it can close accounts and provide notice only after a consumer discovers the closure and calls.

I am submitting this complaint to request CFPB assistance in obtaining a clear explanation of the closures, confirmation of what notice was sent ( and when ), and remediation for any adverse impacts caused by the lack of timely notification.

What happened ( timeline ) 1. XX/XX/2026 : Citi states it closed both of my Citi credit card accounts effective this date.

2. Approximately mid XX/XX/2026 : I attempted to manage my accounts and discovered they were closed or inaccessible. 
3. XX/XX/2026 : I called Citi. Citi confirmed both accounts were closed as of XX/XX/2026, and stated a notice would be mailed about two days after my call.

4. As of today : The accounts have been closed for approximately two weeks without advance notice. Any written notice was not provided until after I called.

Impact on me Loss of access to two established credit lines without advance communication.

Potential negative credit reporting effects ( utilization changes, account closure reporting, and credit score impact ).

Operational disruption to bill pay and recurring charges.

Lack of transparency and inability to take mitigation steps before closure.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint against Regions Bank for the unjustified blocking of my debit card and the severe consequences this has caused while I am XXXX.

Before leaving the United States, I fully complied with all requested procedures and provided all necessary documentation, including my Social Security number and additional personal information required to keep my account active and accessible during international travel. At no point was I informed of any pending issues, risks, or possible restrictions on my account. 

Despite this, XXXX days agowhile I was already in XXXX card was suddenly blocked without any prior notice, warning, or attempt to contact me. I am currently in a foreign country, and this action has left me completely without access to my funds. 

Since the card was blocked, I have contacted Regions Bank multiple times and spoken with several employees, clearly explaining the urgency and seriousness of the situation. Unfortunately, the responses have been extremely slow, uncoordinated, and ineffective. As of today, it has been several dayssince Friday, and now it is XXXX my card remains blocked. 

This situation has caused serious harm. I am unable to use XXXX, unable to pay for transportation, unable to purchase food or even basic necessities such as bottled water. I am currently staying in a hotel in a XXXXXXXX country without access to my own money. This is not a minor inconvenience ; it is a dangerous and unacceptable situation. 

What makes this matter even more serious is that Regions Bank never attempted to contact me in advance, never sent any alert, and never provided any warning that such an action could occur. Blocking a customers only means of payment while they are abroad, without notice and without immediate resolution, demonstrates a severe failure in duty of care and customer protection. 

I find it unacceptable that after providing all required documentation, notifying the bank of issues, and repeatedly requesting assistance, I am still left stranded and financially immobilized in another country. 

I am formally documenting this incident and expect immediate resolution, a clear explanation for why my card was blocked despite full compliance, and confirmation that my access to funds will be restored without further delay. I also expect this complaint to be taken seriously, as the consequences of this situation could have been avoided entirely with proper communication and timely action from Regions Bank. 

Please consider this message an official complaint. I am prepared to escalate this matter to the appropriate consumer protection authorities if it is not resolved promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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:
Company : Citibank , N.A . 
Product : Credit card Issue : Billing dispute / credit card charge dispute Dispute ID XXXX Account ending : XXXX I am filing a complaint regarding Citibanks handling of a credit card dispute involving an airline-canceled flight. 

I purchased an XXXX XXXX XXXX ticket on XX/XX/year> for {$5200.00}. XXXX XXXX later canceled flight XXXX ( XXXX  ) on my itinerary. I did not travel o

n the canceled flight, and the transportation service I purchased was not provided.

I disputed the charge with Citi. During the investigation, XXXX XXXX submitted only a generic transaction record proving that the charge was authorized. The merchant did not dispute that the flight was canceled, did not claim the flight operated, and did not provide evidence that I was transported or that I accepted rebooking. 

Despite this, Citi denied the dispute and reversed the conditional credit, stating that the merchants cancellation/return policy was not followed. This applies an incorrect standard. Once an airline cancels a flight, refund eligibility is governed by merchant non-performance and U.S. Department of Transportation rules, not fare-based cancellation policies.

I submitted written rebuttal explaining this and documenting the airlines cancellation, but Citi reversed the credit without addressing merchant non-performance or responding to the rebuttal.

I am requesting that Citi : Reevaluate the dispute under the correct standard ( merchant failure to provide services due to carrier cancellation ), and Reinstate the credit of {$3200.00}, representing the unused portion of the ticket after prior partial credits.

I am not disputing authorization of the charge. I am disputing non-delivery of the purchased transportation service after airline cancellation.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
I got a debt collection text from a company name Shepherd Outsourcing said they bought my debt. I clicked the link they gave to their website portal. Gave my last 4 snn numbers and date of birth. Then a number appeared on the screen. Site said call the number to continue. I called the number and it was not in service. I received the text on XX/XX/year> at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
A collection was placed on my credit, for XXXX XXXX XXXX XXXX  I do not have any knowledge of the debt, it was opened without my knowledge.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX Account # : XXXX ( Equifax ) Issue : Previously disputed account still reported as charge-off. 
Violation ( s ) : FCRA 1681i, 1681s-2 for failure to verify disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I sent crypto on my Paypal account on XXXX XX/XX/XXXX and then on XXXX XX/XX/XXXX I exchanged it to dollars ( XXXX $ ). 
After that I sent XXXX $ and XXXX $ to my XXXX account, on XXXX XX/XX/XXXX. 
Than on XXXX XX/XX/XXXX I refunded XXXX $ and XXXX $ back to my Paypal account. This is my own money. 
After that on XX/XX/XXXX PayPal decided to block my account. And gave me 180 days hold. Than I just waited while they froxen my money to get it back after time. 
But on XX/XX/XXXX Paypal sent my money ( XXXX ) to XXXX. And I completely don't understand why! They just stolen my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I got a notice to appear in court for a debt that I have no idea about. The account was opened in the name of XXXX XXXX, that is not my legal name. On XX/XX/year> I called the original creditor Synchrony Bank and XXXX and asked them to confirm I never had an account under this account number or under this false name, which was confirmed I never had this debt. The debt is in the amount of {$2100.00}. I filed an idenity fraud report on XX/XX/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
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I am submitting this complaint regarding repeated mortgage servicing failures by PHH Mortgage Corporation in connection with my mortgage assistance application. 

My household has been actively seeking mortgage assistance since XX/XX/year>. During this time, PHH Mortgage has repeatedly claimed that required documentation was not received, despite the fact that the documents have been submitted multiple times via mail, email, and PHHs online message center. 

On several occasions, PHH Mortgage representatives confirmed that the documentation had been received, only for the company to later state that the same documents were missing. This pattern has occurred repeatedly over several months and has prevented a fair, complete, and timely review of our mortgage assistance application. 

We have been delinquent on our mortgage since XX/XX/year>, making timely and accurate processing of our application critical. Despite our repeated good-faith efforts, PHH Mortgage has failed to clearly identify what documentation is allegedly missing, when the file was last reviewed, or which department or individual reviewed it. This conduct constitutes a servicing error and a failure to properly process a loss mitigation application. 

We believe PHH Mortgages repeated claims of missing documentationafter confirming receiptrepresent improper servicing practices and have caused unnecessary delay, confusion, and hardship. 

We are requesting that PHH Mortgage be required to : Provide a complete and accurate accounting of all documents received to date Clearly identify any documents allegedly missing, if applicable Confirm in writing whether our mortgage assistance application is considered complete Conduct an immediate and thorough review by a qualified loss mitigation or escalation team Correct any servicing errors related to document handling and communication Confirm that no foreclosure activity or adverse action is occurring while our application is under review We are requesting CFPB assistance to ensure PHH Mortgage complies with federal servicing requirements and properly evaluates our mortgage assistance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Nelnet, Inc.
State: KY

Complaint narrative:
I have unpaid accrued interest accumulating month by month on Federal student loan, despite the fact that I overpay each month to lower debt. I have a portion applied to principle and interest, but the unpaid accrued interest continues to grow and is not paid down each month with the remaining overpayment money. When I attempted to make a one time payment ( in addition to my monthly overpayment ) online to remove the unpaid accrued interest ( {$180.00} ), I learned this option does not exist on the Nelnet website. I called Nelnet customer service and rep informed me I must make the overpayment online, wait XXXX business days, and then call Nelnet to ask them to direct the overpayment directly to the unpaid accrued interest. When I inquired why there was not a one-step online payment option, the Nelnet customer service rep informed me this policy is set by the Department of Education XXXX When pressed on this response Nelnet rep reiterated it is not possible to pay unpaid accrued interest directly online, with no further option or explanation. Call was on XX/XX/year>. My concern is that this extra step for payment allocation to unpaid accrued interest, and lack of clarity about why the online option does not exist ( in fact there is no information available online that I can find regarding payment of unpaid accrued interest ), is an attempt to garner further profit from unwitting customers engaged in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
When I needed assistance, I found it nearly impossible to reach a knowledgeable customer service representative who could help clarify the autopay situation. The sole means of communication was an online chat system, which could neither make immediate changes to my account nor provide me with direct correspondence. This lack of support has raised serious concerns about the potential impact of my arrears on my credit rating. I urge you to reconsider your customer service protocols to prevent others from facing similar issues in the future, and fully refund purchases by customers affected by these shady business practices.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am addressing Wells Fargo because the bank is violating the law. They refuse to reopen my dispute in a different format, even though it later became clear that this was an unauthorized transfer. This is a violation of federal law. The bank is breaking the law, and it should be specified which law applies. 

The fact is that this is an unauthorized transfer, and I have evidence of this. The bank ignores these facts and hides behind the argument that there was already an open dispute under other grounds, and that they received evidence from the merchant claiming that the service was provided in full, making a refund impossible. 

However, the bank must take into account that these proofs were provided by the company that misled me and transferred funds to a third party, to whom I never gave consent. This is not stated in my contract, and I can not address the company with which I had the contract because they deliberately terminated my payment agreement. Now this is not sequentially connected, and there is no evidence tied to the payment agreement, since the payment was made to a third party. 

The essence of the fraud is that this is a same-name company, and the bank refuses to consider it. The bank is obliged to review my evidence. The bank is not required to legally investigate or direct me to resolve the matter with the company I dealt with or sue them. The bank must rely on the facts I provide, that this is an unauthorized transfer. 

If the bank does not review or acknowledge my evidence, it is a violation of the law. This gives me the right to take legal action against the bank because they ignore the facts, hiding behind the claim that I must contact the company I communicated with.

I am asserting that this is an unauthorized transfer, but the bank refuses, arguing that the service was allegedly provided. However, the service was provided by the first party, which deliberately misled me and provided payment details for a third party with whom I have no contract. I did not give consent and did not know where the money was being sent. I believed it was a legitimate branch, but it is just a same-name company that is not a branch of the one I worked with. 

This is a third party, and I did not give consent to transfer my funds to a third party. This is an unauthorized transfer, a violation of the law. I should not be resolving the matter with the first company ; I am providing facts and arguments to the bank. The bank is violating the law. I will not take legal action against the company in XXXX that I do not know. I am addressing the bank to return my 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
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I made a purchase through an advertisement on XXXX that appeared to be from XXXX. I ordered shoes for my children and paid {$73.00} using my Cash App card. The payment was approved and processed. 

After the purchase, I was unable to view my order details because the website claimed it was too busy, which I later learned was part of a scam. I was sent an email confirmation by the merchant. After seeing the ad again, I browsed the website and noticed incorrect spelling of brands which prompt me to dispute this transaction because I was lead to believe it was fraud. 

On XX/XX/year>, I received a XXXX notification that a package was scheduled for delivery on XX/XX/XXXX. On XX/XX/XXXX, XXXX marked the package as delivered but it was delivered to an address in XXXX XXXX  I live in XXXX  and never received the package. 

When I contacted the XXXX XXXX I was informed that the shipping label had been created using my address as the sender but a XXXX XXXX address as the destination. I never authorized any shipment to XXXX XXXX 

This shows the merchant manipulated the shipment to falsely appear as delivered while preventing me from receiving the merchandise. 

I disputed the charge with Cash App, but Cash App denied my claim, stating the merchant fulfilled their obligation. That is incorrect. Delivery to a third-party address does not constitute delivery to the cardholder. I never received the goods. 

Cash App failed to properly investigate clear evidence of merchant fraud and improperly denied my dispute. I am requesting a refund of {$73.00}.

Company response to consumer: Closed with explanation