vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: FL

Complaint narrative:
On XX/XX/XXXX, I paid {$350.00} to XXXX ( booking # XXXX ) for a XXXX hotel stay at XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ). On the second night of my stay, I discovered my hotel room was infested with XXXX XXXX. This made the entire room uninhabitable. I complained to the front desk. They only changed the sheets and did not move me to a new room. I have photographic evidence of XXXX XXXX on the bed sheets ( taken XX/XX/XXXX ) and XXXX XXXX XXXX on my body ( taken XX/XX/XXXX ). On XX/XX/XXXX ( checkout day ), XXXXl XXXX XXXX agreed to refund XXXX nights of my stay. On XX/XX/XXXX, I emailed XXXX with all photos, invoices, and proof requesting a refund. XXXX ignored my email and never responded. On XX/XX/XXXX, I filed a chargeback dispute with Citibank ( Case ID : XXXX ) for the full amount of {$350.00}. Citibank 's failure : During the investigation, Citibank never asked me to submit my photographic evidence. They never gave me an opportunity to provide my side of the story or the supporting documents I had. Without ever seeing my proof of the XXXX XXXX XXXX, Citibank closed the case on XX/XX/XXXX, ruling against me because " the merchant provided documentation that services were completed. '' I reviewed the documentation XXXX sent to Citibank. It was a blank, incomplete template with no merchant signature, no amount, no consumer name, and no evidence. It was clearly an unprofessional and insufficient rebuttal. Citibank ruled against me without ever reviewing my photos of the XXXX XXXX, the XXXX on the sheets, or the XXXX on my body. This was an unfair and incomplete investigation. What I want : I am requesting that Citibank reopen my dispute ( Case ID : XXXX ), review my photographic evidence, and reverse their decision by issuing a full refund of {$350.00} to my account. What I have already done to resolve this : Emailed XXXX on XX/XX/XXXX with all evidence no response Filed a chargeback with Citibank on XX/XX/XXXX Citibank closed the case on XX/XX/XXXX without reviewing my evidence Supporting documents I am attaching : Photos of XXXX XXXX on hotel bed ( taken XX/XX/XXXX ) Photos of XXXX XXXX XXXX on my body ( taken XX/XX/XXXX ) Copy of email sent to XXXX ( XX/XX/XXXX ) Citibank 's investigation closure letter ( XX/XX/XXXX ) The blank, incomplete document XXXX sent to Citibank as their " defense ''

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I have been go through medical issue ( XXXX XXXX ) which is already a stressful issue in its self. I also want to make clear that this situation has caused me significant stress and hardship. I make every effort to manage my financial responsibilities responsibly, and being contacted regarding a debt that i do not recognize has created unnecessary strain on my time, finances and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: NM

Complaint narrative:
Subject : Coercive payment demand threatening credit limit reduction On XX/XX/XXXX, I received an email from American Express stating that my account was under review for a possible credit limit reduction, and that the reduction could be avoided if I made a payment of {$920.00} by XX/XX/XXXX. My account ( ending XXXX ) has a {$9000.00} credit limit with a balance of {$3500.00} well within my limit. My account shows no flags, warnings, or alerts. I have not missed payments or otherwise violated my account terms. I contacted American Express via chat and confirmed the email was genuine. The XXXX confirmed the contents of the email, including the payment demand. This appears to be a coercive practice threatening to reduce my credit limit unless I make a specific payment, despite my account being in good standing. I believe this may violate the Credit CARD Act of 2009 and constitutes an unfair and deceptive practice. I am requesting that the CFPB investigate this practice, as it may affect other American Express cardholders as well. Cardholder : XXXX XXXX XXXX Account ending : XXXX Date of incident : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX an overdraft protection in the amount of {$200.00} was taken from my account. The hackers working with XXXX XXXX XXXX signed into my account online using a XXXX XXXX computer and this was verified with Huntington Bank XXXX on XX/XX/XXXX. The hackers placed overdraft protection on my account to make money transfers. I have experienced this at several organizations within the past XXXX years of them money laundering me. The XXXX was compromised by the group to not return my {$200.00} as this is what they do with all organizations. She has not given me a refund and she froze my account and opened a new one without permanently closing the compromised account. Which were also the hackers orders. I knew she was compromised the moment she started to tell me a story about a nurse. This is XXXX of XXXX XXXX antics. Everyone who encounters me, tell a story about a XXXX or they proclaim to be XXXX. I am a victim by association. My XXXX and XXXX are affiliated gang members who owes the organization money for wanting out. I am demanding my money to be returned to me. They also would take my money during ATM transactions on many occasions. As fast as I would make a withdraw, they would take money. I have found my banking information attached to wallet accounts. They have made XXXX purchases and streaming Apps purchases. Now, they are having every organization to charge me fees with every transaction. XXXX XXXX is charges me taxes and XXXX XXXX is now charging me {$2.00} for a transaction that is autopay. XXXX money launders me as well. XXXX XXXX has been money laundering me too. And the XXXX, including the XXXX XXXX with XXXX XXXX. Excessive electric billing, {$25.00} extra for storage and I did not get my XXXX months rent free and {$300.00} XXXX gift card, like the other tenants. The tenants are getting paid to harass me on the daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am requesting urgent assistance regarding a XXXX sale scheduled for XX/XX/year>. I am actively working to avoid XXXX by selling my home and have submitted a complete XXXX alternative to my mortgage servicer, Freedom Mortgage, in the form of a fully executed listing agreement. Here is the timeline of my efforts : I executed and submitted a signed listing agreement to initiate the sale of my property in good faith to avoid XXXX. The listing agreement was provided electronically to the servicer and the XXXX XXXX. A hardcopy was overnighted and confirmed received by XXXX, XXXX has confirmed that the file is currently under review. I have requested escalation and provided applicable legal support under Californias Homeowner Bill of Rights, including protections against dual tracking. Despite these efforts and full cooperation, I have not received confirmation that the foreclosure sale will be postponed while my foreclosure alternative is under review. Proceeding with a XXXX sale while a complete XXXX prevention alternative has been submitted and is under active review raises serious concerns regarding dual tracking and compliance with both federal servicing requirements and California law. I am making a good faith effort to resolve this matter and minimize losses for all parties through an active sale of the property. I am requesting : Immediate review of my XXXX alternative submission Immediate postponement of the XXXX sale scheduled for XX/XX/year> Written confirmation that my account is being properly evaluated for loss mitigation Clear communication of any additional documentation required This matter is extremely time-sensitive, and I am requesting urgent intervention to prevent wrongful XXXX while my active efforts to sell the property are underway.

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 2026-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
I enrolled with Citizens Debt Relief and deposited a total of {$3900.00} into their program on or around XX/XX/year>. The purpose of the program was to negotiate and make payments to my creditors. However, minimal or no meaningful payments were made to my creditors. Of the total amount I paid, only {$230.00} was returned to me by XXXX, not Citizens Debt Relief. Citizens Debt Relief has retained the remaining funds. I have made multiple attempts to contact the company by phone to request a refund, a full accounting of my funds, and an explanation of the services provided. Each time, I was told I would receive a callback or follow-up, but I have not received any response or resolution. The company has failed to provide the services promised and has not provided transparency regarding how my funds were used.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
For the past 9 years I have made my payments with the same account and I have called in to make payments on or around the XXXX of every month. On XX/XX/XXXX I made my payment Of {$1900.00} and I received payment conformation VIA email like always and have never had any problems. I went out the country XX/XX/XXXX to XX/XX/XXXX I didn't get any emails nor phone calls from Freedom stating that they did't get my payment. My husband checked the mail around the XXXX of XXXX and that was first notification of Freedom not getting my payment. All of this took place in XX/XX/2025.

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 2026-04-16 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: TX

Complaint narrative:
I received an email from PayPal today XX/XX/year> saying they closed my business for what they said appear related to pyramid or ponzi schemes or other get rich quick schemes or unapproved mlm programs. First off these are live interactive educational programs that teach people marketing skills, email marketing, learning about funnels and affiliate marketing. We DO NOT recruit anyone. This not XXXX. I have been operating this business for almost 2 years, I changed the email and website of my business and this is what happened. No one to talk to and this is not how you operate a business. In addition to using this for my business I used it for my tiktok payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to formally complain about U.S. Bank 's failure to refund my annual fee after a credit card downgrade. I opened a U.S. Bank XXXX XXXX XXXX card and was subsequently charged an annual fee. I contacted U.S. Bank to downgrade the card to a no-annual-fee version, and the representative confirmed that the annual fee would be refunded. However, it has been two months, and the refund is still marked as " processing. '' I have followed up multiple times, but the bank has failed to provide a clear timeline or complete the transaction. I am requesting an immediate refund of the annual fee to my account.

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 monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check from my employer two weeks ago at Fifth Third Bank. The bank froze all my accounts, including my personal savings and my secured credit card. I have no access to my funds, and the bank is also withholding the {$500.00} deposit I paid for my secured card. When I went to the branch to file a formal complaint, they refused to help me or give me any information, stating the account was blocked. It has been 14 days without any solution or access to my money. I need access to my personal funds that are not related to the check in question, or for the bank to close the accounts and return my total balance and security deposit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Issue : Attempts to collect debt not owed / Improper handling of dispute I am filing a complaint regarding Resurgent Capital Services L.P. and LVNV Funding LLC for improper handling of a trafficking-related account and violations of the Fair Credit Reporting Act ( FCRA ). The account ( Reference ID : XXXX ) is the result of human trafficking and qualifies for protection under 15 U.S.C. 1681c-2 ( FCRA 605C ). I submitted proper documentation, including a self-attestation statement and certification from a qualified advocate, via certified mail. On XX/XX/year>, I initially contacted the company and informed them that this matter involved human trafficking. I was incorrectly instructed to complete a fraud affidavit instead of being guided through the appropriate trafficking-related process. I submitted all required documentation, and on XX/XX/year>, Resurgent Capital Services L.P. confirmed receipt of my documentation during a recorded phone call. All communications between the company and myself have been recorded by both parties. Under FCRA 605C, this information must be blocked within 4 business days of receiving proper documentation ( no later than XX/XX/year> ). Despite confirming receipt, the company failed to comply. Instead, the company repeatedly misclassified this matter as a fraud dispute, which resulted in multiple denials. This is not a fraud-related issue, and all required documentation for a trafficking designation was provided. Furthermore, the account was reported to the credit bureaus on XX/XX/year>, after the company had already confirmed receipt of my documentation. As of XX/XX/year>, the account remains reported and/or in collection. This account had previously been removed and was later re-reported after being sold. I did not receive any notice of reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ). Throughout this process, the company : Continued collection activity on a trafficking-related account Failed to process the account under FCRA 605C protections Mishandled documentation submissions Opened and closed disputes without reviewing submitted documentation Provided inconsistent and inaccurate information I have maintained detailed records of all communications, including recorded calls and certified mail documentation, confirming receipt of my documents and improper handling of my account. This matter has been escalated to the Attorney Generals Office and a formal complaint has been submitted to the Consumer Financial Protection Bureau. Additionally, I have filed disputes with TransUnion, and their representatives have indicated that this information will be removed within 4 business days. This improper reporting caused a significant drop in my credit score and is currently impacting my ability to secure housing, as I am in active mortgage underwriting. This has created an immediate financial hardship for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I was sold a vehicle twice by company and the vehicle wasnt any good. I was told I still had to even though motors went out in both vehicles within 2 weeks I got the vehicles

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicers denial of assistance following a temporary financial hardship. After being approved for a loan modification, I unfortunately fell behind on my mortgage payments due to circumstances beyond my control. I am a federal employee and was directly impacted by the recent government shutdown, which resulted in a temporary loss of income. Once my income resumed, I promptly submitted a mortgage assistance application to bring my account current. I did not request an additional loan modification. I had been instructed to revise my hardship letter, which I did. However, my request for assistance was denied. I subsequently submitted an appeal, including documentation evidencing both the loss of income during the shutdown and the restoration of my regular, stable income. Despite this, my appeal was also denied. Rather than being offered a reasonable repayment option based on my current ability to pay, I was informed that my only available options were to pay the full past-due amount in a lump sum or to pursue a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: GA

Complaint narrative:
I transferred money from my funzpoints.com account in the amount of {$55.00} to my crimson debit card ( they no longer use dasher direct prepaid debit card ) via instant debit transfer by entering my debit card number expiration and XXXX digit code on the back of the card on XX/XX/XXXX XXXXXXXX XXXX. I have never had an issue with that website I have done multiple instant transfers from my account on that website for the past six years on other debit cards or bank accounts whatever and have never had the issue. I have not seen the money the money has not been put in my debit account and I have contacted them every single day and they act as if they don't know what I'm talking about or are trying to treat it as a direct deposit which it wasn't it's not a direct deposit it was an instant transfer meaning I should have got an instantly and yesterday I was put on hold after I had explained to this woman what had happened and she tried to tell me that the money was never submitted and I told her she was a liar and that I had proof and she put me on a brief hold that she said was only going to be 2 minutes and she never returned back on the phone and I ended up hanging up after 30 minutes. They like common sense and it's XXXX me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
b"Back on XXXX XXXX I found out that on my business debit card with Bank Of America with the following account XXXX XXXX XXXX had been lost misused unauthorized activity on the following dates XXXX XXXX XXXX XXXX there were 3 unauthorized withdrawals that I reported each found XXXX for total of XXXX . Ive yet to even get an provisional credit from bank at all and my card was not in my possession either being XXXX XXXX I did lose my card or being XXXX known for lots of theft via skimming ... I reported this to BOA on XXXX XXXX directly the XXXX day\n XXXX Procedures for resolving errors.\nUnder Regulation E, financial institutions must investigate consumer electronic fund transfer (EFT) disputes promptly, generally within 10 business days of receiving notice of an error. If the investigation takes longer, the institution must provide provisional credit to the consumer's account within those 10 days for the amount of the alleged error.\n\nIt has been 11 Days now past federal regulated deadline"

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