vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi opened a New account 3 weeks ago, since then Ive had so many declined payments citi claims its XXXX, XXXX have confirmed via email its the issuer. I still can not link my card to XXXX. Theres a limit of XXXX. I tried to wire money to my friend yesterday so he could XXXX me they have stopped it due to fraud, I called the fraud department to confirm the transaction, they asked for my number to send a verification, it couldnt be done for some reason I gave them another number same problem, I asked how considering the account was opened with that exact same number, their response is they use another system and they ended the call stating they cant help and I need to wait for a letter in the mail, the money is on hold and now I cant access it or send it! After everything Ive been through, Im currently settling into my new environment, I cant do anything online, they stated a new card is on the way which has not yet been received. They keep causing delays and problems and then reflect blame elsewhere its very frustrating and stressful. The problems are getting worse and Citibank is doing nothing about it aside from waiving responsibility. Its not ok to withhold someones money like this which is turn is cause if so much anxiety and stress. This is driving me crazy how is it allowed for banking corporations to treat customers like this and not take any responsibility what so ever

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint regarding an unauthorized account takeover of my Capital One XXXX account and the subsequent theft of my earned rewards. On XX/XX/year>, I discovered that an unauthorized third party gained access to my account and redeemed {$610.00} in XXXX gift cards without my consent. Despite promptly reporting this security breach to Capital One XXXX customer service and providing all necessary documentation of the theft, the company has failed to restore my stolen rewards or provide a substantive resolution. As Capital One XXXX has not taken appropriate action to rectify the loss of these earned assets following a clear compromise of their platforms security, I am seeking the full reinstatement of my rewards and a formal investigation into the handling of this unauthorized activity. I am filing this complaint today XX/XX/year> because I only received a final response from Capital One Support on XX/XX/year>, which failed to provide a resolution for the stolen rewards. I have officially filed a cybercrime report with the FBIs Internet Crime Complaint Center ( IC3 ) today, XX/XX/year>. This report documents the unauthorized account takeover and the theft of my earned rewards resulting from the platform 's lack of Multi-Factor Authentication ( MFA ). The IC3 Submission ID is : XXXX a PDF copy of this filing is attached to this complaint for your review. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Between approximately XXXX and XX/XX/year>, I worked with XXXX XXXX XXXX XXXX to obtain a VA mortgage for a home purchase. During this process, I was repeatedly told that I would not have to pay closing costs and that certain items, including property tax exemption paperwork, would be handled on my behalf. Based on these representations, I moved forward with XXXX XXXX and discontinued shopping with other lenders, as these terms were a significant factor in my decision. At closing, I incurred closing costs despite being told I would not. Additionally, after closing, I discovered that no property tax exemption had been filed with the county, despite being reassured during the loan process that this would be handled for me. As a result, I am currently being charged approximately {$3200.00} annually in property taxes, which could have potentially been reduced or avoided had the exemption been properly addressed. My escrow account is also impacted, including a current shortage, due to these ongoing tax obligations. When I contacted XXXX XXXX to request copies of any submitted exemption paperwork, including submission dates or confirmation from the county, I was unable to obtain proof that any such filing was completed. I was also informed that they do not handle this process, which directly contradicts what I was told during the loan process. I was also required to obtain alternative homeowners insurance due to issues identified during inspection ( specifically a missing breaker box cover ), even though the issue was corrected. Despite the correction, I was not allowed to proceed with the originally discussed insurance option, which contributed to additional complications and cost. When I raised concerns about these issues, including the closing cost representations and exemption filing, I was told that these statements were never made. This conflicts with my understanding of the discussions that took place during the loan process and the basis on which I made my decision to proceed. Overall, I believe I was provided with inaccurate or misleading information during a critical stage of the mortgage process, which influenced my decision-making and has resulted in ongoing financial impact and additional administrative burden to correct issues I was told would be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got a call from American Express, saying I had fraud charges made on my credit card. I don't even have a account or card with American Express. The charges were for {$3700.00} for fire arms from a website. The person impersonating gave me the card number and where it was applied for. Claimed to be XXXX XXXX from American Express, reference # XXXX. They connected me to Authorities to make a claim with FBI, then was accused of being part of money laundering. I had a video call with them with might have been recorded and showed my drivers license. They had my information like address and social security number. Asked for confidentiality and to not talk about with anyone. I called the American Express Bank to ask if this was a legit way of handling this type of situation, which in response they said they would never give out an account number and have had complaints about this situation before with fraud purchases for fire arms. They were asking me to check in daily for 4 times a day where I was, who I was with, and what I was doing. After confirming this was a spam call I have blocked them on teams which where I had a video call with them. American Express gave tips on how to handle this situation, and to file a claim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Got a phone message stating I owed a bank but couldn't tell me the date the account was opened. They only told me when it was closed. Said there were many attempts to contact me but I've never received any interaction. Also stated that if not paid my banking privileges would be revoked and they would cancel all my accounts as well as pay deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Royalty Lending Financial Services Inc.
State: CA

Complaint narrative:
AMENDED ADDITION TO PRIOR COMPLAINTS NOT A STANDALONE NEW COMPLAINT. This submission is an amendment and supplement to three existing open CFPB complaints against the same company : XXXX ( filed XX/XX/XXXX ), XXXX ( filed XX/XX/XXXX ), and XXXX ( filed XX/XX/XXXX ). I am requesting all three remain open and be escalated to the CFPB Enforcement Division.COMPANY NON-RESPONSE PATTERN : The company failed to respond to Complaint XXXX over 6 weeks overdue as of XX/XX/XXXX. The company failed to respond to Complaint XXXX 15-day deadline passed approximately XX/XX/XXXX. On Complaint XXXX the company responded only with an invalid BBB arbitration argument attempting to block CFPB oversight legally unenforceable against a federal agency under Dodd-Frank.DISABILITY HARDSHIP : I am a XXXX consumer with XXXXXXXX XXXX XXXX severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I receive XXXX and XXXX. I have no employment income. I am pursuing XXXX reconsideration through XXXX and XXXX. I am proceeding entirely XXXX XXXXXXXX. My XXXX made me uniquely vulnerable to this predatory scheme. When the lender 's fraudulent deed caused XXXX to cease all royalty payments for 10 consecutive months ( XX/XX/XXXX through XX/XX/XXXX ), I had XXXX income and was forced to take a personal bank loan to avoid default on the Royalty Lending loan. I am still repaying that personal loan through XX/XX/XXXX. I request priority review as a vulnerable consumer under 12 U.S.C. 5493 ( b ) ( 3 ) XXXX XX/XX/XXXX : I called CFPB at XXXX. Representative confirmed all three complaints are open, added notes, and referred me to XXXX XXXX XXXX XXXX at XXXX confirming my situation qualifies for vulnerable consumer legal assistance.FEDERAL RECORD : IRS Form XXXXA mailed XX/XX/XXXX Certified Mail XXXX. IRS XXXX XXXX Whistleblower filed. FBI IC3 filed XX/XX/XXXX. Two USPS Mail Fraud complaints filed XX/XX/XXXX. XXXX XXXXXXXX XXXX Declaratory Judgment Case XXXX filed XX/XX/XXXX citations served XX/XX/XXXX. XXXXXXXX XXXX Police Department investigation active XXXX XXXX XXXXREQUEST : Keep all three prior complaints open. Escalate all three to CFPB Enforcement Division. Priority vulnerable consumer review. Coordinate with IRS, FBI, XXXX AG, XXXX DFPI, and XXXX AG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased excursions through Capital One offers on XX/XX/year> for XXXX and XXXX on XX/XX/year> for XXXX. I was supposed to get over XXXX miles for purchasing through Capital One. I never received any. They told me to wait 45 days after the tours were completed. Then told me to wait 90 days. Never received anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XXXX XX/XX/year> synchrony closed all my accounts stating high risk. My PayPal credit, care credit, XXXX card and XXXX XXXX card were all closed. I have reached out to all companies. I owed nothing on any credit cards. I have XXXX credit scores with all 3 credit bureaus and have income over XXXX. I have had the cards for nearly XXXX years and never had a late payment. I owed nothing nothing on any other credit cards and have no other debt. I am requesting a dispute of my XXXX card closure. I have had it XXXX years and am nearly XXXX old. Reopening cards that were fraudulently closed will hurt my credit score and is wrong.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
was not late on payments, account reflecting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: MD

Complaint narrative:
Complaint : I am filing this complaint regarding a loan obtained through LendingUSA for services with XXXX XXXX XXXX that were not provided. On or around XX/XX/year>, I entered into an agreement with XXXX XXXX XXXX for tax-related services. As part of that process, I was directed by XXXX XXXX XXXX to obtain financing through LendingUSA. The loan proceeds were paid directly to XXXX XXXX XXXX After the loan was funded, I made multiple attempts over several weeks to contact XXXX XXXX XXXX to begin services. My calls and messages went largely unanswered, and no substantive work was performed on my case. When I was finally able to reach them, I was referred to a third-party provider ( XXXX ) and asked to enter into a separate agreement with additional costs. This was not disclosed at the time of signing and was outside the scope of the original agreement, which was approximately {$18000.00}. I formally requested cancellation and a full refund due to lack of service, lack of communication, and failure to follow through. XXXX XXXX XXXX acknowledged that no work had been completed but refused to issue a refund, citing a 3-day cancellation policy. I am not canceling due to a change of mind, but due to non-performance of services. I initiated a dispute with LendingUSA on XX/XX/year>. As of today, more than 14 days have passed, and LendingUSA has informed me that they have attempted to contact XXXX XXXX XXXX multiple times ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) without receiving any response. Despite the merchants failure to respond and the lack of services provided, the loan remains active, and I have not received a resolution. I am now at risk of negative credit reporting if a payment is not made, even though the services tied to this loan were never delivered. This situation raises concerns of : - Non-performance of contracted services - Material misrepresentation of services - Referral to undisclosed third-party services requiring additional agreements- Potentially predatory business practices - Failure of the lender to resolve a dispute within a reasonable timeframe

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 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently discovered I misunderstood the XXXX fee waiver rule. My linked accounts always held more than {$300.00}, and I believed the requirement applied across accounts. Ive now corrected this. I requested a courtesy refund as it was not made clear each account had to have in excess of {$300.00}. My current account never dipped below this level and the bank is not offering any refund of fees.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Approximately XXXX weeks ago ( early XX/XX/year> ), I attempted to use my newly approved and fraud-verified CareCredit card at XXXX in XXXX XXXX XXXX XXXX Utah, to purchase XXXX XXXX XXXX ( shelved in XXXX section ) and XXXX XXXX ( XXXX XXXX XXXX ). Both transactionsunder {$20.00} totalwere declined at checkout despite products matching CareCredit 's published eligible categories and XXXX being an approved merchant. The card has since been declined repeatedly at both XXXX and XXXX for similar eligible health/personal-care items ( XXXX XXXX XXXX XXXX ). No transactions have ever posted successfully. On XX/XX/year>, while standing at XXXX checkout, I called CareCredit customer service. The XXXX call involved 8 different representatives : Fraud department confirmed highest-level verification ( video selfie + driver 's license ) was complete ; account shows " good to go. '' Stated " nothing can be done after verification '' except close account. Account manager ( after 7 transfers ) claimed they've " been told '' cards must be used for a provider visit before retail purchases ( XXXX ) can be made. No documentation, rationale, or cardholder agreement reference provided. Suggested sending " new card. '' CS supervisor deflected : " XXXX must call our help desk, '' refusing accountability. My CareCredit cardholder agreement contains ZERO mention of any " provider-first '' requirement. It states : " You may use your account for purchases from dealers/providers/retailers that accept the card '' with no sequence restriction. Today, XX/XX/year>, I received the replacement card CareCredit mailed me. I immediately tested it by attempting to purchase XXXX XXXX ( personal care item, eligible category ) at XXXX. The transaction was again declined at checkout. CareCredit marketed this card as immediately usable at eligible retailers upon approval. Post-verification and with a brand-new replacement card, it still functions at none of them despite matching all published criteria. This confirms it's a system/policy block, not defective plastic. The " provider-first '' claim appears to be either an undocumented internal policy or misrepresentation.

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 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting a complaint regarding my mortgage escrow account with Navy Federal Credit Union. My escrow account appears to have overcharged / overcollected funds for my XXXX property taxes. I contacted Navy Federal in XXXX to ask about the issue, and I was told to wait for a refund from the county. I have since confirmed directly with the county tax office that the issue is not with the county. A county officer provided me with the original property tax payment receipt, and based on that information, the overpaid amount appears to be held, misapplied, or otherwise not properly adjusted within my escrow account at Navy Federal. Despite my prior inquiry, Navy Federal did not properly investigate or resolve the issue and instead directed me to wait for a county refund that does not exist. This caused unnecessary delay and has prevented me from receiving funds that should have been corrected or refunded. I am requesting that Navy Federal : Conduct a full escrow account review for my XXXX property tax disbursement Provide a complete accounting of the amount collected from me, the amount actually paid to the county, and where the difference is currently posted Correct any escrow accounting errors Refund any overpaid or improperly held funds, or clearly explain in writing how those funds are being applied I have supporting documentation, including the county tax payment receipt and records of my prior communication with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received XXXX dollars on XX/XX/XXXX, and later sent out half of what I had received. A friend whom i had known since XX/XX/year> asked for a favor, as his Paypal was on hold. I later sent out half of the money in 2 transactions, {$10000.00} and {$4100.00}. About {$890.00} was taken in fees and the rest on hold, which I was going to send out when the rest was off hold. 5 Days later, I was informed by my friend that the person who paid me had charged the money back. I was confused, as they said it probably wouldn't go through. Since I hadn't sent the entire amount out, i was left in the negative about XXXX, the fees + what I sent out. Paypal is contacting me for this money. I have never in my life had that amount of money in my bank, and I guess Paypal is allowed to just subtract a XXXX dollar transaction without any investigation/

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I had a withdrawal come out of my personal account from a merchant called XXXX XXXX who is a lender for the bank Current. I then figured out someone had opened a account with them with my name which they did close but I instructed I want more information on the account they then told me I have to get a police report, show my drivers license and affidavit which I have gotten all of these things but I have been put on the back burner and cant get anything from there departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I called the speedy cash let him know that my job and was unable to pay. I was hoping for some kind of payment arrangements and all they told me was not my account. In that cough they also informed me that they were charging me 11 % interest daily. Just some research and find out the state of Arizona only allow 15 % monthly interest. I informed them and they said it didnt matter. They made no payment arrangements with me. Tried nothing to help us work this out together and I continue to get harassing calls throughout the days. I found a complaint with the Agents office they recommended I see got an attorney. I also filed a complaint with XXXX and have yet to hear back from them. As of today, I am still unemployed. I have no problem paying them what I owe them, but I cant handle the interest ridiculous.

Company response to consumer: Closed with explanation