vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, submitted an online application for the Citi AAdvantage XXXX Select World XXXX Mastercard through the Citi website. Shortly after submission, I found out that my application had been denied, with no specific details provided in the denial notice beyond a generic reference to my credit report. 

Concerned about the denial, I immediately called Citi 's customer service line at XXXX to inquire about the reasons. After being transferred, I spoke with XXXX, a supervisor in the Applications Department ( employee ID or reference number not provided during the call ). She informed me that the sole reason for the denial was that my credit history was " too short. '' When I pressed for more information, such as the specific length of credit history required for approval or any other contributing factors from my credit report ( e.g., score, utilization, or payment history ), XXXX stated that she was unable to disclose any additional details due to company policy. She also refused to provide any guidance on what steps I could take to qualify in the future, such as a minimum credit history age threshold. 

My credit history dates back to XX/XX/XXXX, and my credit age is 4 years, 6 months, as of the application date. During this time, I have maintained an excellent payment history with no late payments, delinquencies, or derogatory marks. My current credit score is in the excellent range ( approximately XXXX based on recent checks from XXXX XXXX, and XXXX ), and I have a low credit utilization ratio under 10 %. Given these strong factors, I do not believe that a " short credit history '' is a legitimate or complete reason for the denial, as it contradicts standard industry practices where credit histories of 3-5 years are often sufficient for cards like this one, especially with otherwise positive credit profiles. 

Furthermore, I suspect that the denial may involve discriminatory practices based on protected characteristics, including my age ( I am XXXX XXXX XXXX ), race ( I am XXXX American ), and address. The lack of transparency in providing a full explanation, as required under the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ), raises concerns that Citi is withholding the true reasons to avoid scrutiny.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX pl XXXX XXXX XXXX XXXX, wa XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. 

Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. I dispute this debt and request that you provide proper verification before continuing any collection efforts. 

Please provide the following : The name and address of the original creditor. 

The full amount of the alleged debt, including an itemization of interest, fees, and other charges. 

Copies of any documents bearing my signature that show I agreed to this debt. 

Proof that your agency is licensed to collect debts in my state. 

Proof that your agency has the legal right to collect this debt. 

Until you provide the requested documentation, please cease all collection activity and reporting to credit reporting agencies. 

If this debt can not be validated, I request that it be removed from my credit file and that you notify any credit reporting agencies to which you have reported this account. 

I prefer all future communication in writing Via email or mail please. 

Thank you for your cooperation. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I discovered my phone had been compromised ( Total Account And sim ) and someone had full access to my phone. There was several actions performed on my device that I was not aware of including several transfers from my Capital One XXXX XXXX XXXX, to and from XXXX XXXX, XXXX, XXXX XXXX, XXXX transactions. As well as a multitude of other unusual activity such as my network quit working and phone number was removed from phone until eventually got my eSIM unlocked and a new sim pin created. 
I discovered and reported the 172 unauthorized transactions to Capital One Bank on XX/XX/XXXX totaling {$45000.00}. I was informed by capital one I would receive a credit for all unauthorized charges within 10 days. On XX/XX/XXXX I received email that said all claims were resolved because the transactions were authorized. I immediately contacted them to notify them of the error because the transactions were not authorized. I requested all documents to be sent regarding this. I was informed it would take 3-5 days to receive documents. I also on XXXX appealed their denial and sent in reports that were made with FTC AND FBI/internet crimes. Ive contacted capital one multiple times after not receiving any documents or reimbursements. Each time i contact them I am told they cant let me dispute the unauthorized charges because they closed the claim. The claim was closed before they even received the reports of identity theft. They refuse to appeal or reinvestigate!! CAPITAL ONE advertises {$0.00} liability for unauthorized charges. Failing to properly follow the Electronic Funds Transfer Act. Should at a minimum require them to be responsible for triple the damages caused by their negligence and unlawful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: VA

Complaint narrative:
I am filing a complaint regarding two credit card charges from Vixen Plastic XXXX ( billing name : XXXX Management ) in XXXX, XXXX, totaling {$4900.00} ( {$1000.00} and {$3900.00} ). 

This complaint is not against American Express, which has been responsive and has attempted to assist me in resolving this matter. My complaint is against the XXXX center for failing to issue a refund after canceling my procedure. 

My XXXX was scheduled for XX/XX/year>, with XXXX XXXX ; however, the clinic canceled the procedure. I notified American Express on XX/XX/year>, and provided supporting documentation, including email and text correspondence and portal records confirming the cancellation. XXXX XXXX has since left XXXX ( approximately XX/XX/year> ). 

The clinic informed me the refund would be processed within 14 days, but the funds have not been returned and I am now being told the matter is still under review. Since the merchant canceled the service and retained my payment beyond the stated refund timeframe, I believe this constitutes an improper withholding of funds. 

I am requesting CFPB assistance to ensure the XXXX XXXX  issues a prompt, full refund of both charges and resolves this matter without further delay. 

Attachments include : cancellation confirmation ( portal ), and text message communications with the clinic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
HUR-192 and 31 USC 5118 stating that you can discharge your Debt It is illegal for a collection agency to buy your debt and prohibited subsequently pursuing you for payment. I cease and desist all communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted an application for a loan from Wells Fargo. My loan request was denied. I have a credit score over XXXX. I make over {$220000.00} a year, and have a low debt-to-income ratio. I have overXX/XX/XXXX years of an established credit history and no delinquencies. I am an XXXXXX/XX/XXXX woman in my XXXX. I had an established savings of over {$60000.00} in my Wells Fargo account, which was recently moved to a brokerage. Wells Fargo has a history of discriminating and rejecting loan applications of XXXXXX/XX/XXXX in spite of having the same profile as their white peers. I do believe this is connected to XXXX institutional practices in which Wells Fargo has systemically discriminated against XXXXXX/XX/XXXX, including myself. My first Wells Fargo account was established in the community I grew up in, XXXX, California, and I believe those demographics are influencing the decisions rather than fair, merit based review practices. I am willing to provide information, proof, and submit a loan request to other banks to establish a claim for discrimination.

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 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report. I received a settlement offer for {$290.00}, but I have not received sufficient validation of the debt. I am requesting proper validation, including the original creditor information, amount owed, and documentation proving I am legally responsible for this debt. If they can not validate, the account must be removed from my credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I am submitting this formal complaint regarding the servicing and representation of my Parent PLUS federal student loans, which were taken out for my daughters education.I used Student aid.gov and Mohela I believe I was misled regarding repayment affordability and consolidation options, and my attempts to obtain clarification and assistance have repeatedly gone unanswered.When I agreed to take out Parent PLUS loans, I was not provided with clear, transparent information regarding : The true long-term cost of the loans The limited repayment flexibility compared to other federal loans The complexity and financial consequences of consolidation The realistic monthly payment amounts under standard repayment I was led to believe that repayment would be manageable and that affordable options would be available. However, after repayment began, the monthly payment amounts were significantly higher than what I expected based on prior information.When I inquired about consolidation in order to obtain a more affordable payment, I did not receive clear guidance on : The impact of consolidation on interest capitalization The limited eligibility of Parent PLUS loans for income-driven repayment The fact that specific consolidation steps are required to qualify for more affordable plans The long-term financial consequences of consolidation choices This lack of transparency materially impacted my financial decisions. Additionally, I have made multiple attempts to obtain clarification and assistance from my loan servicer, including phone calls and/or electronic communication. On several occasions : Calls were not returned. 
Clear answers were not provided. 
I was given inconsistent or incomplete information. 

As a borrower, I have made good-faith efforts to understand and manage these loans responsibly. The failure to provide accurate information and timely responses has caused financial hardship, stress, and confusion. As a result of these actions : I am facing unaffordable monthly payments. 
Interest continues to accrue.

I may have made financial decisions based on incomplete or misleading information. 
I feel that the affordability and repayment flexibility of these loans were misrepresented.respectfully request : A full review of my Parent PLUS loan account. 
A clear written explanation of all repayment and consolidation options available to me. 
Assistance in restructuring these loans into the most affordable legally available repayment plan. 
Review of whether any servicing errors or misrepresentations occurred. 
Written confirmation of findings and corrective action. 

I believe transparency and accurate disclosure are essential when borrowers are making significant financial commitments for their childrens education. I feel that I was not provided with the clarity necessary to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I contacted Barclays to dispute and reverse charges related to a XXXX timeshare purchase. I requested that Barclays investigate the transaction, keep the charges in dispute, stop billing/collection during the investigation, and provide written confirmation of the dispute outcome. 

Barclays denied XXXX of the disputes and stated that a written response would be provided. I am requesting reconsideration and escalation.

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 2026-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account and debt currently being pursued by Security Credit Services on behalf of XXXX XXXX Under account number XXXX for the amount of {$6200.00} On XX/XX/XXXX, I received a collection text message from Security Credit Services regarding a loan that I did not authorize. Upon investigation, I discovered this unauthorized account was opened in my name at XXXX with an original loan date of XX/XX/XXXX. 

I am reporting that this account is the result of identity theft. I have no association with this transaction, and I did not receive any funds from this loan. Furthermore, I have official documentation ( travel records ) proving that I was not in the country on XX/XX/XXXX, the date the loan was initiated, making it impossible for me to have signed for this account in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Issue : Failure to Provide Proper Debt Validation and Continued Collection Activity I sent a written debt validation request under 15 U.S.C. XXXXg ( FDCPA XXXX ), via certified mail. The debt collector received the letter. 

Instead of providing proper validation of the alleged debt, the company has only sent billing statements. Billing statements do not constitute proper validation under the FDCPA. 

The company has failed to provide : Verification of the debt beyond generic billing statements Documentation showing they have the legal authority to collect Clear evidence that the amount claimed is accurate Despite my dispute, the company continues collection activity. 

Under federal law, collection activity must cease until proper validation is provided. I am requesting that the company either : Provide proper validation in compliance with the FDCPA ; or Cease collection activity and correct any credit reporting associated with this account. 

I am requesting the CFPB investigate this matter. 
I dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company is reporting a collection account on my credit report that I am requesting full validation for. I have not received sufficient documentation proving the original creditor, the full payment history, the date of first delinquency, and proof that this company has the legal right to collect. 

If they can not provide complete validation under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, this account must be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
This complaint is submitted as a formal regulatory dispute underXX/XX/XXXX/ Regulation XX/XX/XXXX ( XXXX XXXX XXXX and XXXX ) : LoanCare LLC and XXXX XXXX XXXX XXXX Executive Complaint / Dispute Department I am not disputing normal escrow changes. I am disputing unauthorized mid-year loan restructuring, escrow manipulation, and payment obstruction imposed after servicing transfer. 

LoanCare/XX/XX/XXXX increased my payment and claimed an escrow shortage without providing the required supporting documentation. I submitted extensive evidence, including receipts and proof of independent payment of insurance/taxes, yet the servicer ignored borrower-submitted proof and issued template responses. 

Despite multiple written requests ( XXXX Qualified Written Requests/ Notice of Error and Request for Information ), LoanCare refused to provide : escrow analysis worksheet escrow transaction history/ledger itemized proof of disbursement ( payee, date, amount, invoice ) payment application history suspense account records written authority supporting the mid-year escrow restructuring At the same time, they restricted my ability to make partial payments through the online portal, threatened suspense account placement, and warned of credit reporting if I did not pay the disputed amount in full. 

This is not a customer service issue. This is servicing misconduct that appears designed to manufacture delinquency and increase foreclosure risk while withholding documentation. 

I am submitting a complete evidence package for review, enforcement, and corrective intervention.

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 2026-02-17 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: CA

Complaint narrative:
Company Name : PayPal Holdings , Inc. 

What happened : My PayPal account was permanently limited without prior warning and without a clear explanation of the specific violation. I was informed that my remaining funds would be held for XX/XX/XXXX days before I can transfer them to my bank. 

PayPal was XXXX of only XXXX platforms I used to receive payments from my clients for my business. My XX/XX/XXXXaccount ( a PayPal subsidiary ) was also permanently deactivated shortly before this, after a series of contradictory communications about reinstatement eligibility. 

Now both platforms have shut me down, and PayPal is withholding my funds for XX/XX/XXXXdays. I have not been provided with a specific transaction, policy clause, or evidence explaining the permanent limitation. 

This has caused immediate financial hardship, as I depend on these platforms to receive income and cover basic living expenses. 

Why this is unfair : No specific policy violation was identified. 

No opportunity was given to correct or clarify any alleged issue. 

Funds are being withheld for XX/XX/XXXX days without a detailed explanation. 

Both PayPal and XX/XX/XXXX terminated my accounts in close succession, effectively cutting off my livelihood. 

The lack of transparency and due process is harmful and destabilizing. 

What I want : A detailed written explanation citing the exact Acceptable Use Policy violation. 

Formal review of the permanent limitation. 

Immediate release of funds not legally required to be held. 

A clear appeal pathway. 

The abrupt and unexplained termination of my accounts and withholding of funds has placed me in severe financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
I opened an E * Trade Morgan Stanley Private Bank checking account on XX/XX/year> through their advertised checking account promotion ( https : //us.etrade.com/promo/checking-offer ). However, the promotion/promo code was not applied to my account at the time of opening. 

I contacted E * Trade customer service on XX/XX/year>. The representative acknowledged the issue and stated that the promotion could be manually applied, and that I would receive a callback within 23 business days to confirm. 

As of XX/XX/year>, I have still not received any follow-up communication or written confirmation. I have called multiple additional times during this period, and each representative has repeated that I should expect a callback within 23 business days, but no one has contacted me and the issue remains unresolved. 

I am requesting that E * Trade honor the advertised checking account promotion and provide written confirmation that the promotion has been applied to my account, or a specific explanation if they are unable or unwilling to do so.

Company response to consumer: Closed with explanation