vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this response to clarify my dispute regarding the XXXX suitcase purchased from XXXX XXXX in XXXX. I am not disputing that I made this purchase. My dispute is based on the fact that the item I received was defective, and the merchant refused to provide a refund or exchange, which is not consistent with reasonable merchant practices or consumer protection standards. The suitcase has a broken handle that does not retract, making it unusable for its intended purpose. I identified this defect immediately after purchase and returned to the store the following day to resolve the issue in person. At that time, I spoke directly with an employee and demonstrated the defect. I was toldusing a translation appthat they would not accept a return or exchange because the item was purchased as tax-free. Despite clearly showing that the item was damaged, my request was denied. I made multiple attempts to resolve the issue, including asking for an exchange, but was refused. I was effectively forced to keep a defective item. This refusal is unreasonable. A merchants tax-free policy does not override their responsibility to provide non-defective merchandise or to remedy defective goods. Refusing any form of resolution for a damaged product is not consistent with fair business practices. After returning to the United States, I made an additional attempt to resolve this directly with the merchant by contacting them. I received a response but the company stated they will not process a return so I have a broken suitcase I can not use. I have included documentation of this outreach with my dispute. Key Facts : Item received was defective ( non-functioning handle ) I attempted in-person return the next day and spoke with staff Merchant refused refund or exchange citing tax-free policy I made a good faith effort to resolve the issue multiple times Merchant failed to provide a satisfactory response to my outreach I was left with a damaged, unusable product and no resolution They provided false information to American Express saying I did not speak to them in person when I clearly did. Under American Express dispute standards, this qualifies as defective merchandise and merchant refusal to accept a valid return. The merchant failed to uphold their obligation to resolve a defective product claim. I respectfully request that this dispute be resolved in my favor. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I just bought a new home with a new loan, which I tried paying today for the first time XX/XX/year>2026, and found I would be charged a {$5.00} processing fee for paying using my checking account. I telephone my mortgage lender, Select Portfolio Servicing and they told me the different ways of avoiding this service fee, which the options given were an inconvenience. Now I will be late because I refuse to pay this fee. I do not have the money to pay extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Misrepresentation and detrimental reliance request for account correction Complaint : I am filing this complaint regarding a payoff agreement communicated by Citibank that was not honored. I contacted Citibank about a deferred interest promotion balance. A representative informed me that if I paid the accrued interest of about XXXX dollars, the remaining balance of about XXXX dollars would be cleared in full. I relied on this information and made the payment. I would not have done so otherwise. After the payment, the balance was not cleared. I was later told there had been a miscommunication and that I still owed about XXXX dollars. After my complaint, I contacted Citibank again as instructed. During a call that lasted approximately XXXXXX/XX/XXXX and XXXX XX/XX/XXXX, starting at XXXXXX/XX/XXXX, I spoke with a supervisor named XXXX. During this interaction, representatives acknowledged the error and initially confirmed that my balance would be cleared. However, after some time, this decision was reversed, and I was informed again that the bank would not honor what had been promised. This repeated pattern of acknowledgment followed by reversal demonstrates inconsistent and unreliable communication and constitutes misrepresentation leading to detrimental reliance. I took financial action based on the information provided and am now being asked to pay an additional amount that contradicts that agreement.

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 2026-04-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I had a electronic {$100.00} Vanilla Visa Gift Card that was stolen. Almost, all the money is gone. Only a few cents remain. I opened a case with Vanilla. They denied it. I went to police and opened an incident. Emailed Vanilla with info, kept emailing them more, while none of my emails were answered. I am frustrated and did not know what else to do, until I found out about Consumer Financial Protection Bureau. So far, there has been no response from Vanilla. I am very upset. {$100.00} is not a money I can overlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I initiated a dispute in XXXX with Chime regarding a {$500.00} transaction sent through XXXX. The transaction is being disputed due to issues with how the funds were handled. Despite multiple follow-ups, the dispute has not been resolved. I was informed that a chargeback was submitted on XX/XX/XXXX. As of now, I am being told that Chime is waiting on a response from XXXX, while XXXX has stated they are waiting on Chime. This has created a situation where no progress is being made. I requested updates, clarification on the status, and an explanation for the denial of provisional credit. I was not provided with clear answers or documentation showing what evidence was reviewed. Instead, I was repeatedly told to wait without a defined timeline. The dispute has now been ongoing for over XXXX months without resolution. I am requesting a formal review of this case, a clear explanation of the findings, and resolution based on the lack of merchant response and extended delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am a victim of identity theft, including exposure from the XX/XX/XXXX data breach and a documented police report confirming my identity was compromised. A fraudulent account was reported under my name by XXXX, which I did not open, authorize, or use. I submitted disputes and provided both an FTC Identity Theft Report and an official police report as supporting documentation. Despite receiving this documentation, the company has failed to properly address my identity theft claim. Instead, they have requested additional documentation and referenced account activity, which does not establish that I authorized or opened the account. Under 15 U.S.C. XXXX ( FCRA XXXX ), once identity theft is reported and proper documentation is provided, the company is required to block the account within XXXX business days. This has not been done. Additionally, under 15 U.S.C. XXXX ( b ), the company is required to conduct a reasonable investigation, including verifying that the account was legitimately opened and authorized by me. No such proof has been provided. I have no knowledge of this account and did not authorize it. The company is continuing to report inaccurate information despite being notified and provided with sufficient documentation. This is a failure to comply with the Fair Credit Reporting Act and a failure to properly investigate identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: IL

Complaint narrative:
I am submitting a complaint regarding an unresolved issue with rewards associated with my Best Buy credit card account issued by Citibank. This issue has been present since I originally opened the account, however I did not begin actively investigating or reporting the problem until XX/XX/scrub> 2026, when I noticed that rewards tied to my credit card purchases were not tracking or posting correctly. When accessing the rewards section through Citis system, I consistently receive a system error, and no rewards are being accrued despite eligible purchases being made. The issue was first formally raised around XX/XX/scrub> 2026, when I contacted customer support after confirming that rewards were not being applied. Since then, I have spent over XXXXXX/XX/XXXXacross multiple phone calls and chats attempting to resolve this issue. During this time : Multiple cases were opened and escalated ( including case IDs XXXX, XXXX, and XXXX ). Cases were repeatedly misrouted to incorrect departments and denied without resolution. I was not notified when cases were denied, requiring repeated follow-up and restarting the process. I was incorrectly informed multiple times that my account was not properly linked, despite confirming and relinking it during multiple interactions. At least XXXX representative indicated that the issue may involve a stuck or incorrect membership profile or internal system mismatch affecting how rewards are tracked. However, no confirmed root cause or resolution has been provided. On XX/XX/year>2026, I was told the issue would be escalated to the appropriate internal department with an expected resolution timeframe of XXXXXX/XX/XXXX. No resolution occurred, and the issue persists. As of my most recent interactions, I have not been provided with a viable solution. I was informed that creating a new account may be an option, but that any existing or missing rewards would not be restored. This would result in the loss of rewards earned through credit card usage due to a system issue outside of my control. I have made multiple good-faith attempts to resolve this issue through standard customer service channels. Despite this, rewards tied to my credit card account remain inaccessible due to what appears to be an internal system failure that has existed since account opening. This issue directly impacts the benefits associated with my credit card account and represents a failure to deliver advertised rewards tied to eligible purchases.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I was deceived into making a {$600.00} payment under false pretenses. I was contacted or guided in a way that made me believe the transaction was legitimate and necessary, but it was part of a scam. I did not knowingly authorize this transfer for its true purpose or to a fraudulent recipient. The payment was induced through misrepresentation and manipulation. Once I realized I had been misled, I immediately attempted to report and dispute the transaction. This was not a voluntary or fully informed transfer. I am requesting a full fraud review under Regulation E and escalation to a supervisor, as this was an authorized transaction obtained through deception ( fraud-induced authorization ). I was convinced the payment was related to a legitimate transaction, but the situation turned out to be fraudulent. The recipient information was presented in a way that appeared valid at the time, which is why I proceeded.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: NH

Complaint narrative:
I started to send money by XXXX on XX/XX/XXXX with the amount of {$1.00}, on XX/XX/XXXX the funds was taken out of my bank account with the maximum delivery time by XX/XX/XXXX, but the money simply didnt arrive. As the time has passed Im overdue and paying more than {$400.00} late fees. On XX/XX/XXXX I requested my money again to then and they said that now will cancel the transfer and return the money without a date to have it back. I want them to be responsible for those fees because its not my fault that they held my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX our phones stopped working. We were out of town. On XX/XX/XXXX we contacted XXXX and learned we had a Sim/Switch scam. They restored our phones. On XX/XX/XXXX it happened again.. Returned home and started securing our accounts. All of our XXXX XXXX banking and our XXXX account had fraudulent identities and fraudulent activity. On XX/XX/XXXX we started putting freezes and fraud alerts. Because my account with XX/XX/XXXX had been " hacked '' I could not access my account because it had new User ID and Password. Therefore, I could not use their chat. I tried multiple times to use their " customer service number '' but the menu was very difficult and does not have a prompt for FRAUD. I finally gave up. ( Also the number shows up on the web and phone as a scam number. ) Finally on XX/XX/XXXX, I spoke to a XX/XX/XXXX representative for more than an hour and explained the transactions from my bank, to XX/XX/XXXX transferred to my contacts and then asked to be returned ( went to the scammers account ) were not me. A ticket was placed and my account was " restricted '' forXX/XX/XXXX days. But funds were removed from my account during the XX/XX/XXXXdays. Then I received a XX/XX/XXXXcredit debit card that I did not request. on XX/XX/XXXX I spoke to anotherXX/XX/XXXX rep and I am waiting for a response from the security team. There service is terrible, they do not protect their customers, they have no way to report fraud. Also I was advised that I wont get my money back. I am waiting for an email from the security but I already waited XX/XX/XXXX days ( today ) and still have not heard from then. After starting again today : my XX/XX/XXXX day period started again, I lost more money while " restricted '', and the representative actually laughed out loud when I asked if my money would be refunded. Also they will not let you close your account with money in it so since my account is hijacked I can't even remove my dwindling account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PR

Complaint narrative:
My federal student loan, serviced by Nelnet, was placed into forbearance effective XX/XX/scrub> 2025. The written notice I received clearly stated that no payments were required during this period and that I would be notified before the forbearance ended, as well as at least XXXX days before any payment became due. After this, I began receiving billing notices. When I contacted Nelnet for clarification, I was specifically advised by a representative to disregard those notices because my account was still in a frozen or non-payment status. I relied on that information in good faith. I later received communications indicating that my account was past due, which directly conflicted with both the forbearance notice and the information provided by Nelnet representatives. At no point did I receive clear or direct notification that the forbearance had ended or that my payment obligation had resumed. Despite this, Nelnet reported XXXX and XXXX delinquencies to my credit report. This reporting does not accurately reflect my payment obligation status and appears to result from inconsistent servicing and lack of proper notification. I have already contacted Nelnet, and my account is currently under review. However, the inaccurate reporting remains. I am requesting a full investigation, correction of my account history, and removal of any inaccurate delinquency reporting from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am disputing an alleged debt that was sent to collections by Source Receivables Management regarding XXXX XXXX . This account was already in formal dispute withXX/XX/XXXX before it was sent to collections. My attorney wrote XXXX on XX/XX/XXXX, disputing a charge related to a promotion and demanding removal of the charge, return instructions for the phone, and no derogatory reporting. XXXX later requested written authorization, which was provided on XX/XX/XXXX. My attorney then sent another letter on XX/XX/XXXX, stating that XXXX still had not properly responded and that the account was continuing to be billed. Despite this unresolved dispute, the account was sent to Source Receivables Management for collection. The collectors letter dated XX/XX/XXXX, seeks {$1600.00}. Earlier attorney correspondence referenced a disputed charge of {$1100.00} and a later XX/XX/XXXX bill balance of about {$1600.00}. I dispute the validity and amount of this debt. I am requesting : XXXX. A full investigation of the disputed charges XXXX. Validation of the alleged debt XXXX. Recall of the account from collections until the dispute is resolved XXXX. Removal of any inaccurate or derogatory reporting related to this disputed account XXXX. Written confirmation of the outcome I have attached supporting documents, including attorney correspondence and billing records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX provided promotional offer for therecredit cardholders through XXXX XXXX hotel stay ofXX/XX/XXXX cas back. XXXX XX/XX/XXXX click on link Amex provided to book travel stay to obtain the offer. The offer never was credited and XXXX XXXX called company to discuss, they did investigation and said sorry not eligible. It is disingenuous and misleading if Amex doesn't honor there offer nor do something to make it right for there client.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
Toyota Financial Services XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX ( Credit agency ) XXXX XXXX XXXX XXXX MN XXXX We ( XXXX XXXX and XXXX XXXX XXXX ) are filing a formal complaint regarding an invalid debt that was created and sent to collections after our auto loan was paid in full, the lien was satisfied/removed, and Title for the car was issued... all in XXXX We paid off the vehicle loan with Toyota Motor Credit Corporation, after which the lien was formally released and we were issued a clear title by the State of Oregon. The title reflects that Toyota Lease Trust released its security interest on XX/XX/year>. Almost a year and a half after the payoff and lien release, XXXX was contacted by a debt collector claiming she owes {$9200.00}. We never received any notice, billing statement, or explanation from Toyota Motor Credit Corporation indicating any remaining balance prior to this collection activity. XXXX contacted the credit agency on several occasions and they could not explain what the debt was for. XXXX requested they send her validation of the debt, including full payment history and explanation of the alleged balance. This was never received. The collection agency stated they would stop collection attempts until the reason for the charge was determined. The collection agency then sent a notice of collection to XXXX for the same amount due. XXXX called Toyota Motor Credit and was told the debt had been assigned to a third party and they could not discuss the account. XXXX asked to talk to a supervisor and was told one was not available. This raises serious concerns including : Improper or inaccurate account servicing Failure to provide required notice of any remaining balance Collection of debt that is not owed Potential violation of Fair Debt Collection Practices Act and Fair Credit Reporting Act XXXX requested validation of the debt, including a full payment history and explanation of the alleged balance, but no adequate documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter from XXXX on XXXX XXXX, stating that Wells Fargo Mortgage paid delinquent taxes to XXXX XXXX on XXXX XXXX in the amount of {$180.00}, and that I now owe {$140.00} as an advance. I do not understand why I am just now being informed of this bill? Wells Fargo setup an escrow account in XXXX to pay my taxes, prior to that date, I had paid my county taxes myself to XXXX XXXX and XXXX XXXX school taxes, so I need clarification of this issue and Wells Fargo would not provide me with a copy of the check they claim they paid to XXXX XXXX on XX/XX/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