vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Subject : Complaint Regarding Best Buy Credit Card ( Citibank ) Account Access Issues, Interest Charges, and Lack of Notice I am submitting this complaint regarding my Best Buy credit card account issued through Citibank. For over XXXX months, I have been unable to properly access my account online. Every time I attempted to reset my password, the reset process failed, preventing me from logging in and managing my account. Because of this, I was unable to review statements, monitor the account, or make informed payments. In addition, I never received the physical Best Buy credit card after opening the account. I went to my local Best Buy store to address the issue and was told that a replacement card would be mailed to me. However, I never received the replacement card either. The account was originally opened with a promotional 0 % interest period for 18 months. I did not receive any alerts, notifications, emails, or phone calls informing me that the promotional period had ended or that interest had begun accruing. Recently, I received my first letter in the mail stating that the account is late and that the matter may be sent to court and an attorney if payment is not made by XXXX. This was the first communication I received indicating there was any issue with the account. Receiving a legal warning letter after months of interest had already accrued, without any prior alerts or communication, is extremely concerning. To make matters more confusing, I also have a screenshot from the account page showing a {$0.00} balance owed, which I am prepared to provide as supporting documentation. Because I was unable to access my account, did not receive the card, and did not receive any notification that the promotional interest period had ended, I believe the interest that has been added to the account is improper. I am requesting the following resolution : - A review of the account and removal of the interest charges that accrued while I was unable to access or manage the account. - Confirmation that the account access issues are resolved. - Proper documentation and explanation of any balances or charges that have been added to the account. I attempted to resolve this directly with the issuer, but due to the lack of account access and communication issues, I am requesting assistance through the Consumer Financial Protection Bureau to review this matter. Thank you for your attention to this issue.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My father had an auto loan with PNC XXXXXXXX. He passed away in XX/XX/year> and I informed PNC of his death. My name was never on the loan and I never signed any loan agreement. After his death, I made several payments from my personal bank account by phone in an effort to keep the vehicle current while trying to resolve the situation. These payments were made even though I was not legally responsible for the loan. Despite knowing that I was not the borrower and had no legal obligation to the loan, PNC continued accepting payments from my bank account. The vehicle was eventually repossessed. Because I was never a party to the loan agreement, I believe PNC should not have continued accepting payments from me after the borrower passed away. I am requesting reimbursement of the payments that were made from my personal bank account toward a loan that was not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Saint Services LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding a credit repair service that charged my card despite my request to cancel, continued contacting me after I asked them to stop, and has not refunded a charge for services that were never provided. I initially enrolled in the service after receiving repeated sales calls from the company. Shortly after signing up, I became uncomfortable and decided I did not want to proceed. During one of the incoming calls from their representatives, I clearly requested that my account be canceled and asked that they cease contacting me. Despite this request, the company attempted to charge my card multiple times using different amounts, which appeared to be attempts to see which charge would go through. A charge of {$190.00} was ultimately processed even though I had already asked for the account to be canceled and had no intention of using the service. The company later confirmed by email that my account was canceled on XX/XX/XXXX. However, despite acknowledging the cancellation, the {$190.00} charge has not been refunded. Additionally, the company has continued to contact me by phone and email even after I requested that they cease communication. No services were rendered and I did not use the service at any time. Because the account was canceled and the company acknowledged that cancellation, retaining the {$190.00} charge is not appropriate. In addition to requesting a refund of the {$190.00}, I am also requesting written confirmation that all personal information belonging to both myself and my husband has been permanently deleted from the companys systems and records, and that no further contact will be made. I respectfully request that this matter be reviewed and resolved accordingly. I do believe that this company is running some sort of scam and should be thoroughly investigated so other consumers are not falling victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Suntrust Bank ( now Truist Bank ) took out a lien against my property, did not notify me, and upheld the lien after my XXXX XXXX bankruptcy was finalized in XXXX. I went through hours and hours of trying to contact someone and sending faxes and letters to them with no response. The customer service people were unable to help because they have no record of an account with me. I am unable to get a replacement title for my truck and unable to sell it because I just found out they have a bogus lien against it.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Overview : I am reporting Citibank , N.A . for a violation of Regulation Z ( 12 CFR 1026.13 ) regarding the failure to properly credit merchant-issued refunds. Despite providing merchant-verified bank logs and authorization codes, Citibank has reached a technical impasse and closed my dispute. Chronology : XXXX XXXX XXXX : Two charges were made at XXXX XXXX totaling {$6200.00} USD. XX/XX/2026 : XXXX acknowledged a billing error and processed two credits totaling XXXX XXXX. The Error : Due to the XXXX XXXX strengthening, the refund value is approximately {$6500.00} USD. Citi 's Failure : Because the refund amount ( ~ {$6500.00} ) is higher than the original charges ( ~ {$6200.00} ), Citibanks automated systems failed to " match '' the transactions. Evidence Provided : I provided Citi with the merchants bank movement logs and specific Authorization Codes : XXXX and XXXX. Current Status : I have an open Internal Ethics Case ( # XXXX ). I visited a retail branch on XX/XX/XXXX, where management refused to assist with this credit card compliance failure. Citibank is demanding payment of the disputed {$6200.00} by XX/XX/2026, while refusing to issue the mandatory provisional credit or conduct a manual research adjustment of the provided Authorization Codes. Requested Resolution : Immediate manual location of the funds via the XXXX network using codes XXXX and XXXX. Reinstatement of provisional credit to prevent interest and late 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 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
To begin with, going through the Uprova website, it claims that they have lower APR rates, which in Texas is usually capped at 18 %, however it is a lie as the XXXX are often XXXX and above ; personally mine is 549.85 %. On top of that, I had extreme trouble logging into my account as it was not allowing me to get in and look at my account information for my loan documents as well as overlooking my bank information. Finally I was able to get into contact with somebody, we had to delete my account and remake it. Gaining access to my account, I looked over my finalized account details and realized that what was claimed through their website wasnt the finalized deal between consumer and lender. Attempting to work with Uprova of paying the debt and working with the lender to aid me, they denied my ask of help and insisted on paying over the phone for a certain amount. I looked through their licenses, and they are not licensed through the state of Texas.

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 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Got an offer through the mail and proceeded to investigate the offer and had to input lots of personal information, ss, bank id, bank login etc but did not take the loan after investigating the company on XX/XX/year>. I contacted the company and was told they would withdraw my application and send an email verifying that my personal info was deleted. Instead I received this email reply : Dear XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. In response to your email, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. Be assured that we take data security and privacy very seriously and safeguard all information that we obtain. For more details regarding the collection and use of customer data, you can review the NetCredit Privacy Policy at XXXX XXXX XXXX Each NetCredit customer acknowledges that they read and consented to the terms of the Privacy Policy prior to completing any transaction on our website. Net Credit is NOT a bank and is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your contact regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt, including an itemization of any interest, fees, or additional charges. XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. XXXX. Proof that your agency is licensed to collect debts in my state ( if required ). XXXX. Documentation showing that you have the legal authority to collect on this debt. Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you can not validate this debt, please confirm in writing that the account has been closed and that no further collection efforts will be made. This letter is not a refusal to pay, but a notice sent pursuant to federal law requesting validation. I expect your response within XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Rocket Mortgage by phone to request removal of a flood insurance requirement because XXXX issued an updated Letter of Map Revision ( XXXX ) that revises the effective XXXX XXXX. XXXX LOMR Determination Document for XXXX XXXX. XXXX shows an Issue Date of XX/XX/XXXX and an Effective Date of XX/XX/XXXX, and states that it revises the effective XXXX XXXX and directs use of the enclosed annotated panels for all flood insurance policies and renewals in your community. XXXX cover letter likewise instructs use of the enclosed annotated map panels revised by the XXXX for flood insurance policies and renewals issued in the community. The annotated Flood Insurance Rate Map panel XXXX included in the XXXX packet is stamped REVISED TO REFLECT LOMR EFFECTIVE : XX/XX/XXXX. During the XX/XX/XXXX call, Rocket Mortgage stated they would not accept the XXXX XXXX documentation because it is community-wide and they require something property-specific. Rocket Mortgage stated that if I do not obtain a new flood insurance policy, they will obtain lender-placed flood insurance on my behalf. Later on XX/XX/XXXX, I contacted XXXX ( XXXX support ) by phone to ask what documentation lenders should use. The XXXX representative told me Rocket Mortgages position was not correct and that the XXXX LOMR documentation is the official update to the effective mapping and should be used for flood insurance purposes consistent with XXXX instructions in the LOMR materials. ( I can provide the call details if needed. ) I have already provided Rocket Mortgage the XXXX XXXX documentation ( including the determination document and annotated panel information referenced above ), but Rocket Mortgage continues to refuse to update the flood insurance requirement and is threatening lender-placed coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint due to inaccurate and inconsistent credit reporting by Navy Federal Credit Union in violation of the Fair Credit Reporting Act ( FCRA ). Navy Federal is reporting a credit card account under my name with the following inaccuracies : Reported credit limit : {$2000.00} Reported high balance : {$11000.00} Account reported closed on XX/XX/year> Continued reporting of balances and charge-off activity after the account was marked closed It is mathematically and contractually impossible for a {$2000.00} credit limit account to generate an {$11000.00} high balance unless the account is being inaccurately reported, merged, or misapplied. Additionally, the account continues to reflect balance activity after the reported closure date, which raises serious concerns regarding compliance with FCRA accuracy requirements under 15 U.S.C. 1681s-2. I formally requested validation and documentation including : Complete account history Original signed agreement Date of First Delinquency Documentation explaining the balance exceeding the credit limit Documentation supporting continued reporting after closure If Navy Federal can not provide verifiable documentation proving the accuracy of this reporting, the tradeline must be deleted from all consumer reporting agencies immediately. Continued reporting of inaccurate or unverifiable information is causing financial harm and negatively impacting my credit profile. I am requesting : 1. Immediate correction or deletion of the inaccurate tradeline. 2. Written documentation validating all reported figures. 3. Confirmation that inaccurate reporting has been corrected with all credit bureaus. Failure to resolve this matter will require further escalation.

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 2026-03-04 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: DISCOVER BANK
State: WA

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, XXXX unauthorized transactions were posted to my account totaling exactly {$4300.00}. These included several large, fraudulent XXXX transfers. I officially disputed these charges with Discover. However, Discover failed to conduct a reasonable or thorough investigation as required by the Fair Credit Billing Act ( FCBA ), wrongly found me responsible, and forced the charges back onto my ledger during the XX/XX/XXXX billing cycle. These rebilled charges are explicitly labeled on my statement as " SECURITY DISPUTE ADJUSTMENT '' and clearly list the original XXXX transaction dates. In a good-faith effort to manage my account, I made payments above the minimum for many months after. However, the compound interest generated by this {$4300.00} in fraudulent principal has artificially hyper-inflated my total balance to over {$18000.00}. As shown on my XX/XX/XXXX statement, I am now being penalized with over {$400.00} a month in interest charges and an artificially inflated minimum payment of {$2900.00} due to this unresolved fraud. I am refusing to continue paying for {$4300.00} in charges I did not authorize and the subsequent predatory interest that has accumulated on top of them.

Company response to consumer: Closed with monetary relief