vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: FL

Complaint narrative:
FORMAL COMPLAINT - Persistent Billing Errors and Failure o f Supervisory Resolution Dear Citibank Customer Relations Team, I am writing to formally dispute interest charges that were incorrectly applied to my AAdvantage credit card account. I have been a loyal Citi customer for more than 15 years, consistently paying my statement balance in full every month. On this occasion, I paid the full statement balance with the sole exception of a remaining amount associated with an active Citi Flex Plan. As per the terms of this plan, this balance should not have generated additional interest charges. Despite my adherence to these terms, interest was applied to my account. I have attached documentation confirming m y payment in full, excluding the Citi Flex Plan balance. What I find deeply unacceptable is that this marks the third time this specific issue has occurred. This recurring technical failure is extremely concerning and reflects poorly on your billing systems. Furthermore, my attempt to resolve this through standard channels was highly disappointing. On Wednesday, XX/XX/XXXX, I spoke with a supervisor, XXXX XXXX, starting at XXXX XXXX. I remained on the call until XXXX PM, wasting over an hour o f my time attempting to rectify this injustice. Despite the length of the call, XXXX XXXX was unable to remove these erroneous charges. I refuse to pay interest on charges that simply do not apply to my account, and I did not feel that my concerns were handled with the professional gravity they require. As a long-standing and responsible cardholder, I am formally requesting the following : 1. Immediate reversal of all incorrect interest charges. 2. A comprehensive review of my account 's integration with the Citi Flex Plan to prevent this systemic issue from recurring. 3. Direct contact information for a senior representative or a department with the authority to resolve complex billing disputes, as standard customer service has proven inadequate. Please understand that my loyalty to Citibank is not unconditional. If this matter is not resolved promptly and permanently, I will be forced to reconsider continuing my 15-year relationship with your institution. I look forward to your immediate response and a fair resolution/ Sincerely, 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Please review the attached Notice of Violations and Intent to Litigate. Credit Collection Services has failed to properly validate the alleged debt and is inaccurately reporting itself as the original creditor instead of XXXX. These actions violate the FDCPA and the FCRA. CCS will no longer receive any further communication from the estate should they refuse to perform and comply. Attached fee schedule will be enforced should litigation be initiated.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
So on XX/XX/year> I went to sleep with XXXX in my account. I woke up around XXXX and it was completely gone it was my rent money which made it even worse. The person that took it I never met in my life online or in person. The way Cash App works. Nobody should be able to log into your device without you signing off on it. It says the person logged in XXXX. I live in XXXX XXXX. They took XXXX at first and then the second transaction within XXXX minutes they took XXXX when I was able to contact Cash App they said they were looking into the investigation and every 10 days They will say they need XXXX more days. Theyre purposely stalling knowing they made a mistake. I made a police report they found the person who did it and Cash App still refuses to refund me my money they keep saying they need more time. I was actually facing eviction because of this like yo was able to borrow money from family to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
b'I found a group on XXXX selling tickets to the XXXX XXXX XXXX XXXX XXXX Exchange Buy/ Sell Trade. I texted the number it told me to message XXXX XXXX to buy the tickets. The seller told me the seats were in XXXX XXXX XXXX XXXX XXXX and she would transfer the tickets via XXXX. I never received the tickets. I sent XXXX on XXXX to the email she requested XXXXthe transaction showed a recipient name. The money left my account on PNC. I never received the tickets. I tried requesting the money back on XXXX but the XXXX account was deactivated. PNC is denying this as a fraudulent transaction. The seller never delivered the promised item. The bank refused to investigate as a scam.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, my PayPal account showed a {$140.00} charge from a merchant ( XXXX, XXXX ) that I did not authorize. I disputed the charge. On XX/XX/XXXX, PayPal issued a provisional credit of {$140.00} to my linked bank account. On XX/XX/XXXX, the merchant agreed the charge was an error and issued a full refund of {$140.00}, which also deposited into my bank account. My bank statement ( attached ) shows XXXX debit of {$140.00} and XXXX separate credits of {$140.00} ( XXXX from PayPal, XXXX from the merchant ). As a result, PayPals internal ledger now shows an erroneous negative balance of {$290.00} on my account exactly double the original amount. I have tried to resolve this with PayPal since XX/XX/XXXX. On XX/XX/XXXX, PayPal sent a collection notice stating that if the negative balance was not paid by XX/XX/XXXX, my account would be sent to an outside collection agency. I opted out of collection emails on XX/XX/XXXX. My account remains limited, and the negative balance persists. PayPals customer service has given only generic responses and has not corrected the error despite my providing bank statement evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We closed on a new construction property on XX/XX/year>. Because the property was new construction, property taxes were not owed to the county for that tax year. ( They were paid by the builder. ) However, our initial lender, XXXX, made a serious accounting error and withheld over {$13000.00} in our escrow account for the purpose of paying property taxes. Our loan was sold to Shellpoint, who became our servicer on XX/XX/year>. We have requested a refund in the amount of $ XXXX from our escrow account. At this point, we have over {$18000.00} in our escrow account. Per the Real Estate Settlement Procedures Act, the cushion in an escrow account is capped at XXXX of the total estimated annual escrow payments, and a surplus of more than {$50.00} is required to be refunded by law within 30 days of being notified of it. The timeline is as follows : XX/XX/XXXX : We first notified Shellpoint by phone of the excess in escrow. A case manager said that Shellpoint would look into the matter, which would include a verification from XXXX XXXX that property taxes were not due. We were advised that the process would take a maximum of 60 days. We enrolled in text updates so that we could get notifications about the process. The customer service representative asked for supporting documentation via email, which was sent. XX/XX/XXXX : Supporting documentation was resent due a typo in the original email address. XX/XX/XXXX : We received our one and only text update that our case had been closed. XX/XX/XXXX : We called Shellpoint again. They had no record of our case or that a request for an evaluation of/refund from our escrow account had been filed. A new case was opened, and we once again enrolled in text updates. XX/XX/XXXX : Shellpoint denied our refund based on the fact that {$13000.00} in property taxes had not been paid to XXXX XXXX. XX/XX/XXXX : We called Shellpoint again and clarified that they had misunderstood our issue. We were not asking for a refund from XXXX XXXX because of an excess of property taxes paid. We were asking for a refund from our escrow account because of the amount of money withheld for the purpose of paying taxes that were not actually due, resulting in over $ XXXX in our escrow account. The customer service representative said that someone would conduct an audit and we would hear back in 4 business days. In addition to calling, we also submitted an appeal in writing via Shellpoint 's customer portal. Shellpoint is now past the 30-day mark when they were first notified of the excess in our escrow account, and no updates have been made or actions taken to remedy this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have noticed XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX on my report, but I did not have an opportunity to dispute it. If you believe proper notification was sent, please provide a copy of the certified mail receipt showing my signature. If no such notice exists, I kindly request that you remove this account # XXXXXXXX XXXX XXXX XXXX XXXX from my report as soon as possible.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is # xxxxx is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, numerous unauthorized transactions were charged to my account. Phone and bank card were stolen on XX/XX/XXXX and my ID was missing. As such a police report was filed once my ID was replaced in XXXX XXXX. Chime was also notified in early XXXX of the unauthorized activity to which they denied the claims. Police report was acquired late XXXX and claims resubmitted. Chime denied again saying they didn't receive the report. A 3rd filing of the claims was made early XXXX to which Chime denied a 3rd time. These transactions were unauthorized and Chime continues to deny that there was any issue. The activity and claim denials are as follows : {$800.00} in multiple transactions between XX/XX/XXXX & XX/XX/XXXX along with a single transaction of {$980.00} on XXXX XXXX. I have repeatedly requested the information used to deny the {$980.00} transaction, but to date have only been provided notification of the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I started to dispute for an unauthorized charge on XX/XX/XXXX on XX/XX/XXXX they denied my dispute despite the fact that I provided the cancellation email that I got from XXXX when I canceled the subscription with the company, the company charged me for {$28.00} on XX/XX/XXXX, upon investigating it myself because cash app was taking a long time and I was trying to view their timeline I discovered another charge that happened XXXX days after I canceled the subscription on XX/XX/XXXX on XX/XX/XXXX It's the same company XXXX XXXX XXXX XXXX which is the same company that I canceled the subscription with through XXXX XXXX I have the emails, on XX/XX/XXXX XXXX XXXX charge me {$29.00} 2 days after I canceled my subscription and then a year later XX/XX/XXXX the company XXXX XXXX charge me again for {$28.00}, on XX/XX/XXXX I disputed the charges with cash app and despite providing them with the cancellation email as proof they denied my request, they also sent it in as a merchant dispute over services instead of unauthorized charges like I said it was Cash app made me wait the initial 10 days until XX/XX/XXXX, And they denied my dispute so I resent it into contest it then they sent me another email saying it would be another 45 days and they would let me know by XX/XX/XXXX, It is now XX/XX/XXXX and I've attempted to contact them multiple times and they refuse to give me any information or even a timeline, they keep giving me the same copy and paste message that it could take up the 45 days and they've they've already blown past their 45 days and they refuse to give me any information I requested this go to a manager and the manager sent me the same copy and paste 45 days message I'll provide all of this and I'd really like this to be resolved I'm broke and I really need the money I'm hungry and this is something that should have been resolved months ago in XXXX when I first put it in I initially was just going after the {$28.00} but I discovered the earlier charge from XX/XX/XXXX for the {$29.00}, cash app is already made me wait over 2 months to get money back on a unauthorized charge and they're still making me wait and without giving me a clear timeline I've done some research and I know that this is more than likely in breach of regulation e and I'm also having problems with them not counting my my daily pay as part of my paycheck they're counting it as my paycheck but they're not counting us direct deposit so they're taking away my benefits on top of holding my {$28.00} for over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Complaint about Citibank denying fraud dispute and imposing {$6000.00} overdraft on closed account I am filing a complaint against Citibank regarding a fraudulent charges from XXXX merchant, a denied dispute, and a resulting {$6000.00} overdraft on a closed account. When I noticed an unauthorized charges from XXXX in totaling almost {$5500.00} on my Citibank debit card ending in XXXX. I did not authorize these transactions and they are fraudulent. I immediately reported the charge to Citibank as fraud through phone. Citibank initially removed the charge and credited my account, but later denied my dispute and reversed the credit, reapplying the charge and additional fees. As a result, my account which was already closed or no longer activenow shows a negative balance of {$6000.00}. This large overdraft is being treated as an outstanding debt, even though the account is closed and the original transaction was unauthorized. I believe : The charge was fraudulent and not my responsibility. Citibanks denial of my dispute was incorrect and not supported by clear evidence. Citibank should not impose a {$6000.00} overdraft liability on a closed account based on this disputed charge. I request that Citibank : 1. Rereview my fraud dispute with properly. 2. Remove the fraudulent charge and any associated overdraft or fees from the closed account. 3. Confirm in writing that no debt will be reported to credit bureaus or sent to collections based on this item. Please investigate this matter and require Citibank to correct the account and provide a written explanation of their decision. Account information : Citibank account ending in : XXXX debit Cards Ending In : XXXX and XXXX Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I made a payment through a joint of account of my husband and I, about XXXX to 9 months to global lending services for my {$690.00} car payment. The payment was returned due to separation of my spouse, and I and global lending services stated that because the payment was returned. They have to flag my account for fraud. This left me unable to make payments through the online portal via debit card or bank account draft. They have been requesting me to use XXXX or XXXX XXXX to make payments for my loan every month, which is an additional $ XXXX {$50.00} on top of what I agreed to pay for my auto loan. After doing that for roughly 3 or four months, XXXX XXXX caused me to have my identity leaked, which resulted in loss of funds fraudulently. I notified global lending services that I am unable to make XXXX XXXX or XXXX payments that I should be able to pay on my global lending services online account as I am the loan holder and they told me I am unable to if I want to make a payment, I have to send money to a friend or family member and they can pay for me, but I cant pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I KEEP HAVE A DELINQUENCY ON MY CREDIT REPORT WITH THIS CREDITOR AND I HAVE NO KNOWLEDGE OF THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed a dispute for {$2200.00}. They initially reversed it but charged it back without notifying me. When I called they sent me the vendor response which dated XXXX weeks ago. I called again them several times and every time they promised to send email to confirm my dispute but they never did. As of today my credit card shows the balance as originally charged despite them promising to reverse and also sending me an email or letter in the mail.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
have been a loyal Bank of America customer for over a decade. On XX/XX/year>, I contacted an account specialist ( 'XXXX ' ) via the internal chat portal to request a Manual Hardship Review . I clearly disclosed that my monthly income is currently only {$120.00} due to an 800 % increase in home utilities that I am currently contesting with my building management. Despite my transparency regarding my {$120.00} income, the representative attempted to 'steer ' me into a revolving minimum payment plan of {$150.00} per month. This amount mathematically exceeds my total monthly income. When I informed the representative that {$150.00} was unsustainable, the bank refused to offer a lower internal hardship option and instead pressured me toward third-party debt management. The bank is now threatening to 'Charge-Off ' my account by the end of XX/XX/year>, even though I have acted in good faith to resolve this. I believe this constitutes deceptive and unfair collections practices by attempting to force a payment plan that is impossible to maintain given my disclosed financial status.

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