vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: The Receivable Management Services LLC
State: NY

Complaint narrative:
Debt collection of invalid customs brokerage charges no contract, misclassification, refused delivery I am being pursued by RMS debt collection agency for customs brokerage charges allegedly owed to XXXX. I dispute this debt in full for the following reasons : XXXX. I never contracted with XXXX. I paid for XXXX shipping when purchasing goods from a XXXX seller. The seller substituted XXXX without my knowledge or consent. I have no agreement with XXXX and never accepted their terms, brokerage authorization, or fee schedule. XXXX. XXXXXX/XX/XXXX customs broker misclassified the shipment contents as aluminum. The package contained skincare products. This error caused significantly inflated customs charges. XXXX. I refused delivery when presented with the erroneous charges. The goods were never in my possession. XXXX. The underlying tariffs that generated these duties were subsequently ruled unconstitutional by the Supreme Court. Despite these facts, XXXX referred the invoice to RMS for collection. I sent RMS a written dispute and debt validation demand via certified mail on XX/XX/year>. I also sent XXXX a formal demand to recall the collection on XX/XX/year>. RMS is pursuing a debt that : ( XX/XX/XXXX) I do not owe ; ( XX/XX/XXXX arose from a third-party broker 's error ; ( XX/XX/XXXX ) relates to goods I never received ; and (XX/XX/XXXX ) is based on tariffs ruled unconstitutional. This constitutes an unfair and deceptive debt collection practice. RELIEF REQUESTED : RMS to cease all collection activity and close this accountXX/XX/XXXX to confirm in writing the debt has been cancelled Confirmation that nothing will be reported to credit bureaus Investigation into XXXXRMS 's practice of collecting brokerage fees from non-contracting parties who refused delivery

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
b'I am requesting the collecting entity to give me a validation of the debt I have with XXXX: Request for Debt Validation \nAccount Number XXXXEstimado: radius global solutions LLC\n\nI am writing to you in response to your communication about the aforementioned account. I formally contest the debt and request validation pursuant to 15 U.S.C. 1692g. \n\nPlease provide documentation that shows: \n1. The amount of the debt in detail. \n2. Name and address of the original creditor. \n3. Proof of the contractual obligation signed by me. \n4. Date of last payment and date of arrears. \n5. Authorization from your organization to collect this debt. \n\nSincerelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Company Information : CitiCard XXXX Citibank ( Citi ) Phone : XXXX Email : XXXX Account/Product Type : Credit Card Balance Transfer Offer Date of Problem : XX/XX/XXXX ( date mailed offer received ) ongoing Description of Problem : On Friday, XX/XX/XXXX, I received in physical mail a Citi balance XXXX offer with the following terms : {$0.00} balance transfer fee if transfers are made before XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) until XX/XX/XXXX Transfer limit : up to my Citi Card XXXX XXXX line of credit When I logged into my Citi account XXXX to activate this offer, I was presented with a link to click. After clicking, the system stated I would be charged XXXX XXXX XXXX balance transfer fee ( minimum {$5.00} ). I did not complete the transfer. Instead, I called Citi to question this discrepancy. A representative told me the mailed offer is " not good '' and that I will be charged the 5 % fee instead. When I asked why the written offer I received is not being honored, the representative instructed me to email photographs of the offer to XXXX, which I did immediately. I am now waiting for a reply. I was not provided a promo code on the mailed offer. The offer includes XXXX balance transfer checks. Under the check number on each check, there are XXXX lines of numbers that are identical across all three checks. These numbers appear to identify the offer. This appears to be a bait-and-switch practice : Citi sent me a XXXX solicitation with specific terms ( {$0.00} fee, 0 % APR ), but then refuses to honor those terms and instead applies the default 5 % fee. This violates clear disclosure requirements under the Credit Card XXXX ( XXXX XXXX ) and XXXX violate XXXX consumer protection rules requiring accurate advertising and honoring of written offers. I request that Citi : XXXX. XXXX the mailed offer terms ( {$0.00} balance transfer fee before XX/XX/XXXX ; XXXX XXXX APR until XX/XX/XXXX ) XXXX. Activate the mailed offer on my account so I can complete the balance transfer under those terms XXXX. Provide written confirmation of the terms applied to my account I am filing this complaint with the CFPB and XXXX also file with my state attorney general if this is not resolved. Supporting Documents Attached : Photographs of the mailed offer letter Photographs of the XXXX balance transfer checks ( showing the XXXX lines of numbers under the check number ) Screenshots of the online portal showing 5 % fee Copy of email sent to XXXX Desired Resolution : Honor the mailed offer terms and allow me to complete the balance transfer with {$0.00} fee and XXXX XXXX XXXXXXXX as advertised.

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 — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank fraud department refuses to update my mailing address so that I can receive a letter with a magical code that will prove I'm XXXX XXXX. They have me locked out my account for XXXX months and are holding my social security check 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 2026-06-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I used my AAdvantage Aviator XXXX XXXX XXXX XXXX to purchase in-flight XXXX XXXX XXXX$35.00} during an XXXX Airlines flight. This purchase qualified for the card 's advertised benefit of up to {$25.00} in statement credits for in-flight Wi-Fi purchases each membership year. Shortly after this purchase, my account was converted from the XXXX XXXX XXXX XXXX XXXX to a Citi AAdvantage Platinum Select World Elite XXXX ending with XXXX, as part of the ongoing transition of AAdvantage co-branded cards to Citi. I was advised that my existing card benefits, including the in-flight Wi-Fi credit, would carry over to the new account. By XXXX 2026, the {$25.00} XXXX statement credit still had not posted. I contacted Citi customer service through online chat and spoke with a supervisor named XXXX. XXXX confirmed that he could see the Wi-Fi benefit was active on my account and assured me that the full {$25.00} credit would be posted before my next statement closing date of XX/XX/year>. The credit was not posted by XX/XX/year>. As of today, XX/XX/year>, I still have not received the {$25.00} credit, despite it being an advertised benefit of my card, despite my qualifying {$35.00} purchase, and despite a supervisor 's explicit assurance that it would be applied by a specific date. This situation reflects XXXX distinct failures. First, the credit was never automatically processed and posted to my account as it should have been, which suggests the benefit XXXX not have transferred correctly when my account was converted to Citi. Second, I was given inaccurate information by a supervisor who guaranteed a posting date that passed without resolution, requiring me to follow up yet again.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
This matter was already the subject of an active dispute with The Best Service Co. , Inc. through the Consumer Financial Protection Bureau ( CFPB ). Rather than providing a substantive response to the issues raised in my complaint, the company failed to adequately address my concerns and simply closed the complaint without resolving the disputed matters. Only XXXX days after the complaint was closed, I received a collection letter from a law office regarding the same alleged debt. This timing raises serious concerns and appears to be an attempt to continue collection activity while the underlying dispute remains unresolved. I consider this conduct to be harassing and improper. To date, I have not been provided with the information and documentation I requested, including sufficient evidence validating the alleged debt and supporting the accuracy of the information being reported and collected. Instead of addressing the dispute, the company appears to have escalated collection efforts through a third party. I respectfully request that this matter be further investigated and that the company provide complete documentation supporting its claims, cease collection activity until the dispute is properly resolved, and correct any inaccurate information being reported to the credit reporting agencies.

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 — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX at around XXXX, I went to my local atm to deposit funds to pay for my wife 's funeral expenses including an urn. XXXX was deposited via ATM and as a colleague, who found out about my situation, attempted to send me money via XXXX, she was met with a pending message. Upon logging into the banking app ( bank of america ) a message appeared stating to call them. After XXXXXX/XX/XXXX on hold no reasoning was provided and a rude rep explained that it can take up to XXXX days for a reason. Next day again another rep who was not rude but scripted, was repeating the same when asking for what would cause this hold of all my funds and the urgency to pay for funeral expenses. NO ANSWER WAS GIVEN, JUST THE READING OF CALL BACK IN XXXX DAYS FOR A REASON. Now as day XXXX hits, ALL of my credit card payments done on XX/XX/XXXX were not processed and denied, my utilities was also denied and I am almost stranded at my house unable to afford or even able to receive addtl funds to drive down to XXXX FL for my wife 's funeral which is still unpaid because of this freeze

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
This matter was already the subject of an active dispute with The Best Service Co. XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ). Rather than providing a substantive response to the issues raised in my complaint, the company failed to adequately address my concerns and simply closed the complaint without resolving the disputed matters. Only XXXX days after the complaint was closed, I received a collection letter from a law office regarding the same alleged debt. This timing raises serious concerns and appears to be an attempt to continue collection activity while the underlying dispute remains unresolved. I consider this conduct to be harassing and improper. To date, I have not been provided with the information and documentation I requested, including sufficient evidence validating the alleged debt and supporting the accuracy of the information being reported and collected. Instead of addressing the dispute, the company appears to have escalated collection efforts through a third party. I respectfully request that this matter be further investigated and that the company provide complete documentation supporting its claims, cease collection activity until the dispute is properly resolved, and correct any inaccurate information being reported to the credit reporting agencies.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
I became aware of the alleged debt after it was reported to the credit bureaus by Nationwide Capital Services. I disputed the debt and sent a written request for validation by certified mail. The company received my request but did not provide any documentation or response. I later contacted the company by telephone and was told by a representative that the company did not have to provide proof of the debt. The representative stated that I should " learn to pay my debts on time '' and instructed me not to call the company again. During XXXX of the calls, a representative also threatened to report me to the medical board because he believed I worked in a profession regulated by a medical board. Although this does not apply to me, I work in XXXX and found the statement to be intimidating and inappropriate. The representative 's comments appeared to be intended to pressure or threaten me rather than provide information regarding the alleged debt. The same representative also stated that he knew where I lived and indicated that he could " have something done '' to me. I understood these statements as threatening and intimidating. These comments caused me concern and appeared unrelated to any legitimate effort to provide information regarding the alleged debt. To date, the company has not provided documentation showing the amount owed, the basis for the debt, or evidence that it has the legal authority to collect. I am requesting that the company provide complete validation of the alleged debt and correct or remove any inaccurate information. I also request that the company investigate the conduct of its representatives and cease any misleading, threatening, or abusive collection 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 explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a billing dispute against Citibank XXXX XXXX XXXX XXXX XXXX ) regarding an unfair deferred interest charge of {$850.00}. Citibank claims this is due to 'unpaid days ' from the first XXXX months. However, to resolve any initial misunderstanding in good faith, I physically went to a XXXX XXXX store, requested to speak with a manager/authorized personnel, and used the official in-store customer service phone to contact the credit department. Inside the store, under their supervision, the representative set up an automatic recurring payment plan. As proven by my attached bank statements, I had already made a payment of {$160.00} on XX/XX/XXXX, and following the store visit, XXXX own system automatically and successfully withdrew {$320.00} every single month ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and XX/XX/XXXX, XX/XX/XXXX of XXXX ) under 'XXXX XXXX XXXX : AUTO PYMT '. In total, I have paid {$2000.00} through this authorized automated plan, fully paying off the computer and taxes. At no point during my store visit or on that official phone call did anyone disclose that a {$850.00} interest was still accumulating or hidden. I strictly followed the exact payment structure set up by their own authorized store agent. Charging me {$850.00} now is a direct result of representative error and misleading customer service. I request Citibank to waive this {$850.00} charge immediately and close my account with a XXXX balance. ''

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I am disputing a collection account being reported by Fair Collections & Outsourcing ( FCO ) related to a former tenancy at XXXX XXXX XXXX XXXX XXXX. The balance being reported is approximately {$12000.00} in unpaid rent plus {$620.00} in court costs. This matter originated from XXXX XXXX case number XXXX. On XX/XX/XXXX, the court record reflects that the possession count was dismissed with prejudice. No court judgment was entered establishing the balance currently being reported by FCO. Prior to dismissal of the case, XXXX cashiers checks totaling {$5800.00} were issued in connection with resolving the matter. I was later informed that the checks had been lost and were therefore not applied to the account. Both issuing banks later confirmed that the original cashiers checks were never negotiated and reissued replacement checks. I am currently in possession of the reissued checks. On XX/XX/XXXX, I submitted a written debt validation request directly to XXXX Collections & Outsourcing disputing the accuracy of the balance and requesting supporting documentation. I did not receive a meaningful response. On XX/XX/XXXX, I sent a second written notice requesting validation and clarification regarding how the reported balance was calculated. As of today, I have still not received documentation explaining how the balance was determined or how the lost cashiers checks were accounted for. I also disputed the account with the credit reporting agencies. The account was subsequently reported as verified, despite the fact that I have not received documentation addressing the disputed balance, the lost cashiers checks, or the basis for the amount being reported. I am requesting a full investigation into the accuracy of the reported balance, an explanation of how the debt was verified, and correction or deletion of any inaccurate credit reporting if the balance can not be properly substantiated.

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: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Paid off my credit card on XXXX {$6300.00} was suppose to get a refund I over paid of {$180.00} never received they sent out the refund again in XXXX I still never received. I received a notice in XXXX that my XXXX XXXX had gone down XXXX points and found out in XX/XX/XXXX someone did a balance transfer to a XXXXXXXX XXXX and then someone attempted to make a payment then the payment was frozen then another transfer was made in XXXX making my credit card balance over {$19000.00} they would not release the information as to whom the name on the credit cards were for and someone changed my personal information on my account my address and email address and they wouldn't release that information as well I finally got them to do a security write off however they are charging me interest on those months stating I owe them {$500.00} ... I have not used the card since XXXX when I paid them off on XXXX I spent an hour and a half on line with them transferring me to different departments I had to hang up

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