vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 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: OR

Complaint narrative:
I am filing a complaint regarding the forfeiture of earned credit card rewards on my XXXX XXXX XXXX card issued by Citibank. Throughout 2025, I used this card extensively for everyday purchases and accumulated a substantial amount of cash-back rewards, estimated to exceed {$2000.00}. These rewards were earned through legitimate spending and in accordance with the card program rules. In XX/XX/year>2025, Citibank closed my account. As a result, I was unable to receive my annual reward certificate, which is typically issued in XXXX. Citibank has since indicated that because the account was closed prior to reward issuance, all accumulated rewards were forfeited. I believe this outcome is unfair and inconsistent with reasonable consumer expectations. The rewards were already earned through completed transactions over the course of the year. Preventing redemption solely due to account closureparticularly without clear, prominent disclosure at the time of earningresults in a significant loss of value. Given the substantial amount of rewards involved, I am requesting that Citibank provide a reasonable resolution, such as issuing the earned rewards as a statement credit or check.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I currently bank with navy federal and is also opt into opps for over draft. Overdrafts are done, but its been a period where it been over draft after draft, me thinking the limit is to XXXX, more has been taken out before on top of the over draft fees. My overdrafts are always paid upon my pay period, but why charge fees when I decided my myself to opt in oops the overdraft program. I can understand if I wasnt opted in and was letting my anccount over draft then, yes charge fees, but dont allow me to overdraft my account then charge {$20.00} here and there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We are a small business and had {$3900.00} removed ( XX/XX/XXXX ), from our Bank of America account by someone using square as a reference. It was never authorized by us nor was it a transaction that was supported in any way. When we reached out to Bank of America and filed fraud claim XX/XX/XXXXXXXX, ( XX/XX/XXXX ), they told us to call XXXX which we did. XXXX, XXXX said it wasn't them, and XXXX stated no transaction went thru them from our bank. Our XXXX case XX/XX/XXXXXXXX. ( XX/XX/XXXX ). We contacted Bank of America again and was told to contact XXXX XXXX and that Bank of America could not help us due to the fact that XXXX Bank was the backer of XXXX and XXXX XXXX ( XX/XX/XXXX ) I called the number listed for XXXX XXXX in the consumer contact information listed by Consumer Financial Protection Bureau, XXXX and someone from XXXX XXXX answered. He said I needed to call XXXX ( same number ) to call XXXX XXXX and I let him know I just called that number, and he answered. He again stated that XXXX, XXXX XXXX and XX/XX/XXXX were partners and that I should try to callXX/XX/XXXX. This is a horrible circle of deception and side stepping where everyone is passing the responsibility of investigating the Fraud onto someone else. Bank of America XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX - XXXX Bank. We are filing a complaint at this time with the Consumer Financial Protection Bureau and would appreciate any help you can provide.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I opened a dispute with my bank PNC on XX/XX/XXXX for 3 transactions made with my debit card endinf in XXXX because I returned the merchandize under the store return policy on XX/XX/year>. The store accepted the return and a full refund was made to the same payment method, they gave me the official refund receipt, voiced voucher and email confirming the return and refund. But until now the refund has not been posted to my account. The claim was denied without any proof showing I didnt cancell or returned the merchandize. It was reopened for a second review but was denied again due the long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: FL

Complaint narrative:
back in XX/XX/XXXX i was approved for a loan mod at which time i signed and sent and startied making payments. in the ending of XXXX i recieve a letter stateing that my payments will go up due to the escrow which at that time i started making witht he correct amount .. in XXXX of XXXX they put my account on 197 days past due at which time i contacted them spoke to a rep by the name of XXXX and him himself did not understand why my account was past due 197 days when he was seeing all the payments on mt account at which he told me to please reapply for a modification and to send in the old paper work which i did. in XXXX XXXX i recieve a letter stating they made a mistake on my mod papers oin XXXX and sent me new ones BUT WITH the same date as XXXX stating my payent was higher meaning i will be backed up for a mistake they made for 6 months ans the lowered my loan terms which are also wrong they added 10 more yeasrs for XXXX which does not add up i need this to be fixed also i got a letter from them stating starting XX/XX/XXXX is when is had to make the payment for the same amount that htey put in my loan papers the new one nothing makes sense i have attached everything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-02-19 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I disputed a credit card transaction involving the purchase of a used vehicle after discovering material mechanical defects immediately following delivery. The transaction occurred on XX/XX/XXXX in the total amount of {$7000.00}. After the purchase, significant issues were identified that were inconsistent with the condition reasonably expected at the time of sale. I submitted a billing dispute with Navy Federal Credit Union and provided supporting documentation, including purchase agreements, title records, and additional evidence relevant to the transaction. The dispute was denied based primarily on the vehicle being sold as-is. I subsequently submitted additional documentation and formally requested a secondary investigation review, explaining that the newly submitted materials were not previously considered and may materially affect the outcome. On XX/XX/XXXX, Navy Federal Credit Union declined to reopen or further investigate the dispute and stated that no additional chargeback rights were available through the card networks. My concern is not simply disagreement with the merchant, but whether a reasonable investigation was conducted as required under Regulation Z ( Truth in Lending Act billing error procedures ). The denial did not address the newly submitted evidence or explain how the investigation evaluated that information. I am requesting regulatory review of whether the creditor complied with its obligations under 12 CFR 1026.13 to conduct a reasonable investigation and properly evaluate additional documentation submitted during the dispute process. I am seeking a fair reconsideration of the dispute and confirmation that the investigation met federal billing error standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have been attempting to obtain a loan modification with Selene XXXX for nearly two years. I have repeatedly uploaded all requested documents through their online portal and complied with every request made. Despite this, my applications are consistently denied based on alleged missing documentation, even though I have confirmation of uploads. Selene has not provided clear written explanations specifying which documents were missing or why prior submissions were deemed incomplete. I am currently 19 payments behind. During the entire modification review process, Selene has continued to assess late fees, foreclosure-related charges, inspection fees, and other default-related expenses. I dispute the current claimed balance of approximately {$190000.00}, as a substantial portion appears to consist of fees and default servicing costs. I believe Selene XXXX has : Failed to properly review complete loan modification applications Failed to provide specific denial reasons Continued assessing fees during active loss mitigation review Failed to provide a clear itemized breakdown of charges I am requesting : A full life-of-loan payment history A detailed itemization of all fees and default charges A proper review of my application Suspension of additional default-related fees during review This situation has caused significant financial hardship and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank XXXX XXXX claims that I deactivated my autopay which in return I had a late fee. I have been with them for XXXX and had a credit line of {$8100.00} and they decreased it to {$450.00}. My credit limit wasnt decreased because of bad credit but because they said I didnt pay on time. Autopay was turned on by their people bug said it was turned off online. I DID NOT TUFN OFF AUTOPAY. I spoke with two separate customer agents and was told two different stories of why the autopay was turned off. One agent XXXX, said it doesnt look like I communicated to turn it off and another agent said it was turned off online by me. I asked for proof and I havent received anything to confirm the reason autopay was turned off. The Account Managed was NOT helpful at all. He was very nonchalant and said file a complaint but they not going to increase the credit limit like it was before. I would have to wait and see if XXXX would offer to increase the limit even though this was their error. No accountability and poor business practice. Decreasing a credit limit from {$8100.00} to {$450.00} is VERY extreme. Again, card holder for 14 years and never been late!

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My original account had approximately {$430.00} remaining before closure. When Wells Fargo opened a new account number, the transferred balance showed approximately {$1400.00} instead of {$430.00}. I am requesting documentation showing how the transferred balance was calculated and a full accounting from the original account to the new account. Despite multiple calls, branch visits, and escalations, no clear explanation has been provided.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Dispute 1 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 2 XXXX - XXXX XXXX XXXX I have no knowledge of this account Dispute 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 4 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 5 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 6 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 7 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 8 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 9 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 10 XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 11 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account Dispute 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a credit card purchase that was paid for but never fully delivered, and my card issuers refusal to investigate due to an internal time limit. In XX/XX/XXXX, I purchased a XXXX XXXX XXXX program from XXXX ( XXXX ). I was charged {$290.00} on XX/XX/XXXX for Order ID XXXXXXXX. This charge appears on my Chase XXXX XXXX XXXX statement. Over the course of my enrollment, three XXXX starter packages were promised/paid for, but only two packages were ever delivered. The first and third orders show fulfillment and tracking information in my XXXX account. The second order ( Order ID : XXXX ) shows payment processed but remained in pharmacy processing status indefinitely, with no tracking number and no delivery. Despite payment being taken, the medication for this order was never shipped or received. In XX/XX/XXXX, after reviewing my account and confirming the missing delivery, I contacted XXXX by email and formally requested : 1. a refund for the undelivered XXXX order, and 2. written confirmation of account cancellation and refunds. XXXX acknowledged my request and confirmed that my account was cancelled, but did not issue a refund for the undelivered {$290.00} order and did not provide proof of shipment or delivery. Instead, the company avoided addressing this specific order and asked unrelated questions about other payments. Because the merchant failed to refund a paid but undelivered order, I contacted Chase Bank on XX/XX/XXXX to dispute the charge as services not rendered / non-delivery. Chase declined to open a dispute, stating that they could not investigate because the transaction was outside their 180-day internal policy, even though the merchant never fulfilled the order and the issue was only confirmed after account cancellation. I am requesting assistance because : * I paid {$290.00} for a medical product that was never delivered, * the merchant has not refunded the charge despite direct requests, and * my credit card issuer refused to investigate the non-delivery solely due to 180 days limit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Peer Advisors, LLC
State: TX

Complaint narrative:
A letter from XXXX Mortgage... Thank you for the recent communication regarding the account referenced above in which you provide documents regarding the legal description dispute. We acknowledge receipt of the documents you submitted regarding the propertys legal description dispute for this account. The documents have been forwarded for internal review. As previously advised, your loan servicing was assigned to the U.S. Department of Housing and Urban Development ( HUD ) on XX/XX/year>, and is no longer active in our system. Accordingly, we will also be forwarding the submitted documents to HUD for their review and handling?? This letter was addressed to my wife, not to me?! to start, I thought I was dealing with HUD?! I Wish somebody would take responsibility and at least try to HELP! All I need is to get .IS A CORRECTION LEGAL DESCRIPTION OF OUR MORTGAGE PROPERTY!.. IT'S ILLEGAL TO STEAL IN TEXAS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
In the late spring of XXXX, I had to leave work temporarily to go on parental leave. During that time, I fell behind on my FHA mortgage serviced by Planet Home Lending. I applied for loss mitigation and was offered a partial claim. I executed and notarized the documents and timely returned them as of XX/XX/XXXX. I even made my next mortgage payment in XXXX of XXXX. After I made the payment, I checked my online portal and noticed that my payment was not properly applied because the website was saying I still owed mortgage payments as of XX/XX/XXXX, which should have been covered by the partial claim. I called Planet Home and was told that the partial claim paperwork was cancelled/not approved. I checked the land records and saw that the secondary loan with HUD ( partial claim ) was, however, recorded, but that it was misdated by Planet Home for XXXX ( as opposed to XXXX ). Every time I have called since then, I have not gotten a straight answer, and in fact have been blamed by Planet Home. Now I have to be evaluated for loss mitigation again, but I do not know how this can be resolved since there is now a seemingly defective partial claim with HUD that is already recorded as of XX/XX/XXXX. And I am being threatened with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
According to 15 U.S.C 1692C you have violated my rights by inlawful communications please remove this collection off of my credit report done in good faith all rights reserved. Please & Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief