vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding three separate dept collection agencies reporting different balances for the exact same original debt from Fit MasterCard ( Continental Finance ). I have already disputed these entries yet all three agencies verified different amounts for a single original account. This is a direct violation of FDCP regarding the misreprepresention of character, amount, or legal status of dept. I request that the duplicate, inaccurate entries be completely deleted from my credit reports under the FCRA, as the collectors have failed to provide a uniform accurate account history or prove who legally owns the debt. Thank you. XXXX XXXX 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
Consumer complaint received 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I entered into a binding settlement agreement with Synchrony Bank/CareCredit on XX/XX/year>, to settle my closed account ( which they closed without giving me notice until after it happened, and I found out by logging into my account to contact them on getting a payment agreement ) for {$1600.00}. On XX/XX/year>, my home equity loan provider sent a direct electronic payment of {$2500.00}. This resulted in an overpayment of {$930.00}. Synchrony Bank has unlawfully kept my {$930.00} overpayment and is now illegally billing me for an additional {$160.00} in post-settlement fees/interest on a closed account. XXXX agents told me to 'wait 30 days. ' I demand an immediate refund of my {$930.00} overpayment, and that the invalid {$160.00} balance be expunged to show a {$0.00} balance and for my account to reflect it was paid in full and not negatively affect my XXXX 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 monetary relief
Consumer complaint received 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I am filing a complaint regarding Ally Autos failure to timely process my vehicle payoff for XXXX XXXX XXXX which has resulted in additional interest charges, the risk of late fees, and potential damage to my credit despite my repeated efforts to pay the loan in full. On XX/XX/XXXX, a payoff check was mailed by XXXX XXXX XXXX XXXX, to Ally Auto for refinance. A few days later i contacted Ally to confirm receipt and was repeatedly told they had not received the payment. However, I obtained delivery confirmation showing that the check had been delivered to Ally. Because Ally continued to state they could not locate the payment, I was forced to request a stop payment through XXXX XXXX and have a second payoff check issued. This caused unnecessary delay and inconvenience. The replacement payoff check was sent via XXXX 2-Day Express and was delivered and signed for on Monday, XX/XX/XXXX. I have the XXXX tracking information and proof of delivery. Despite this, Ally representatives continue to tell me they have not received or processed the payment. As of today, the check has still not been negotiated or cashed. Throughout this process, I have contacted Ally more than 10 times by phone and online chat. During several of these contacts, I was told that someone would investigate the matter or contact me back. No one has followed up as promised. Because Ally provides only a 10-day payoff quote and charges daily per diem interest after that period, my payoff amount has increased multiple times due solely to Allys failure to process my timely payment. My regular monthly payment also became due during this delay, and I am now at risk of late fees and negative credit reporting even though I have made every reasonable effort to pay the loan in full.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-06-28 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: TX

Complaint narrative:
In XX/XX/year>, I used my Navy Federal XXXX XXXX XXXX to pay a total of {$6600.00} to a contractor for the purchase and installation of an emergency standby generator. The project involved an initial deposit of {$1000.00} on XX/XX/year>, followed by a second payment of {$5500.00}. The contract contemplated an installation project that would be completed at a future date rather than an immediate delivery of goods. Over the following months, the merchant repeatedly postponed the installation while continuing to assure me that the project would proceed. Based on those representations, I reasonably believed the contract remained active. Eventually, the merchant became unreachable, disconnected its primary business telephone, its client portal became unavailable, and the project was abandoned. No generator was delivered, no permits were obtained, and no installation work was ever performed. After determining that the merchant had abandoned the project, I filed disputes with Navy Federal Credit Union ( Case XXXX. XXXX and XXXX ) and submitted extensive supporting documentation, including the signed contract, payment receipts, months of communications showing repeated delays, evidence that the merchant ceased communicating, an active XXXX XXXX XXXX theft investigation, and publicly available court records and customer complaints involving similar allegations against the same merchant. I appealed Navy Federal 's initial denial and provided an extensive evidence packet explaining why the dispute involved services that were never provided. Navy Federal acknowledged receipt of my documentation and stated it would review whether a chargeback could be initiated. However, the dispute was again denied solely because the transaction was determined to be outside the allowable dispute period. Navy Federal 's response did not address whether any goods or services were actually delivered, whether the evidence I submitted was considered, or how it evaluated the ongoing nature of the contract. Instead, it denied the dispute based only on timeliness without explaining whether it considered the circumstances of the delayed installation or any applicable procedures for services not received. I am requesting that the CFPB review whether Navy Federal conducted a reasonable investigation of my dispute and whether it properly evaluated the evidence I submitted before denying my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX there was an unauthorized charge on my account with Ally Bank so I called the bank after they notified me of the unauthorized charge and they froze my card. They then told me that they can not ship out a replacement card because my account was overdrawn by the exact amount of the unauthorized charge and so I had to wait til XX/XX/XXXX when I got paid before ordering it. When I called the next day to see if it had shipped and if I could pay for overnight shipping they said it was too late to do that even though as of XX/XX/XXXX it still has not shipped. I called the bank today XX/XX/XXXX to again check the status and the representative told me I can transfer my funds to another bank. I told her I have never been able to do that with Ally and have reported that to them at least 3 times and every time they told me that I can and did not believe me. I have tried on the app and the website repeatedly and it will not work. She finally said she could make the transfer for me ( which was never offered over the past year that Ive complained ). Then she said she is not allowed to discuss my account anymore and that someone will call in XXXX days. They have locked my account so that I can not access the website or the app. Yesterday, I tried the online chat from the app and after an hour of no resolution the associate abruptly ended the chat. I now have gone a week with no access to my funds. These are the ONLY funds I have. I had a scheduled vacation for this past week and was unable to take my kids or do anything planned. I am now also at the point where my kids are going hungry. I informed Ally of this and were of no assistance. I was working overtime so that I would have enough funds for when I got paid on the XXXX. I am scared for my children and I have very little gas in my car to get to work tomorrow and no funds to get more. I would just like access to my funds. They also would not give me the card number of the card that is supposed to be shipped out ( although it sounds like that will not happen ). I need help asap. Thank you.

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 2026-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am submitting this complaint because Citibank has refused to grant a one-time goodwill adjustment for a late payment that resulted from an auto-renewing XXXX XXXX membership that I reasonably believed had been canceled. In XXXX, I was charged for a XXXX XXXX membership renewal that I did not intend to continue. After contacting Best Buy/Citibank, XXXX received a refund, which led me to believe the membership had been canceled and would not renew again. However, in XX/XX/XXXX, another automatic renewal charge was placed on my Best Buy Citibank credit card without my knowledge. Because I believed the membership had already been canceled, I did not realize there was an outstanding balance. Once I became aware of the charge, I paid the balance and also received a partial refund for the membership. I have asked Citibank to make a one-time goodwill adjustment and remove the resulting late payment from my credit report. I fully understand that creditors generally report accurate information, but goodwill adjustments are discretionary and are commonly granted in situations involving isolated circumstances and otherwise positive payment history. This single late payment caused my credit score to drop by approximately XXXX points and has significantly affected my ability to qualify for financing as my family is preparing to purchase a home. Prior to this incident, I had maintained a strong payment history, and this late payment does not reflect my overall credit behavior. Citibank denied my goodwill request without addressing the unique circumstances surrounding the recurring automatic membership charge or the fact that I reasonably believed the service had already been canceled after the prior refund. I am respectfully requesting that Citibank conduct a higher-level review of my account and consider removing this isolated late payment as a one-time goodwill adjustment. This request is based on the unusual circumstances surrounding the automatic renewal, my prompt payment after discovering the charge, and my otherwise responsible history as a customer.

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
We have experienced multiple unauthorized fraudulent checks clearing on our checking account at USAA. USAA has failed to secure the account to prevent further fraud. Spent hours on the phone daily requesting the account be closed. USAA keeps transferring the call to another person in another department who after long wait times of Lets do a deeper dive states he or she does not have the authority to close or freeze the account. Spent XXXX minutes conversing with XXXX employee # XXXX who stated she was placing restriction on the account so funds could not be moved-this did not occur and subsequent telephone calls to USAA were informed a restriction was unable to be placed on the account. USAA continues to return stolen funds to the compromised account resulting in the funds being stolen hours later by a fraudulent check written in the same amount. We stated our concerns that our social security checks would be stolen as it takes XXXX months to reroute to a new bank account. USAA will not do anything to protect our money. Escalation to a supervisor and executive team was no help with no action plan and no follow up call. Please see police report and fraudulent checks.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This account was not mine I was a authorized user. My husband has been dead for 4 years. It's showing under my credit.

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 2026-06-28 00:00:00
Product: Mortgage — Conventional home 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: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Someone in GA has made two attempts to take out a mortgage fraudulent application in our names ( XXXX XXXX XXXX XXXX XXXX XXXX. The 1st occurred XX/XX/year> and again on XX/XX/year>. Since the company, AmeriSave Mortgage Corporation, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX, has not taken any action to safeguard or stop these actions, we are taking a more proactive attempt to stop this. We have requested documentation requesting details of the property address, loan officer or broker, branch location and XXXX ID, date of the application, etc. This information in pending. We are Florida residents and have our credit with all bureaus frozen, which prevented the applications from being approved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
False statement and representation XX/XX/year> XXXX Letters sent

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 2026-06-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/XXXX, I attempted to resolve an issue regarding two separate {$25.00} XXXX gift cards issued by U.S. Bank National Association, totaling {$50.00}. The plastic cards displayed an expiration date of XX/XX/XXXX. However, both cards were completely defective from the date of purchase. Prior to expiration, they never worked at merchant terminals, and the online portal locked me out. Because the cards were completely non-functional due to a technical error on the bank 's end, I was prevented from using my funds.On XX/XX/XXXX, I called U.S. Bank customer service to request replacement cards and a waiver of the $ XXXX monthly inactivity fees, as the dormancy was entirely caused by their defective product. The representative refused to assist me, told me to use the broken online portal, and told me to press a menu option ( 6 ) on the automated line that does not exist. The automated phone system now repeatedly hangs up on me because the cards are past their plastic expiration date, completely cutting off my access to customer service.Under federal law, the underlying funds on these cards do not expire for at least 5 years. I am requesting that U.S. Bank contact me directly, waive all accumulated inactivity fees on both accounts, and issue a corporate check for the full {$50.00} balance.

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had an account and it have XXXXXXXX XXXX in it I then had to take care of my dad up a mountain with no cell service he was XXXXXXXX XXXX XXXXXXXX and someone close to me I thought was a friend took my phone and got into my XXXX XXXX and had took my debit card out of my car I had parked there for safe keeping and spent up my savings and I had physically gone to a branch in XXXX to get XXXX XXXX XX/XX/XXXX or XXXX XXXX to buy that car and took out XXXX XXXX that was the Last transaction I did and this guy had his girl friend pose as m er and knew my mother 's maiden name and all my info that I had being it was in my phone or he looked stuff up idk he had gotten away thing my car made my account go negative XXXXXXXX XXXX leaving me screwed when XXXXXXXX XXXX and I came back from that n it made me lose everything I had loved n needed after my loss of my father who was an accountant himself. Lost my rv my home n only home I had since I moved here that had my dad 's n dead fiance 's ashes in it and my doggies then my 2 dogs which were service animals got adopted out cuz I had no way to get them so it had made me.lose everything and forcing me to be homeless.which I had been physically attacked n my finger needs a pin now and my left ring finger will be deformed for ever and not to mention being a victim to some kind of human trafficking or something by living somewhere I didnt know was such a horrible place till it was to late so it has effected my life in more then just making me broke. Oh and I had a credit card through the bank too and that needed to be paid but they only gave me XXXX XXXX of the XXXX I had and so I was at XXXX and I tried to pay the card with my debit 2 times n the credit card payment didnt go through yet my account still stayed negative XXXX XXXX the was XXXX and so they closed my account making me no longer there problem yet I had this account since XXXX and I never spent much it was a savings for me to be able to purchase only essential things like car home that sort of stuff and yet I now have so many more issues and this money is mine I was in a car accident for a XXXX XXXX dollar check I had deposited yet I never got to spend any which the car accident I still suffer from issues to this day I really think the bank should of not said it was up to the vendors if I got my XXXX XXXX in transactions that I signed paper work saying I had not made then transactions and I didnt know how to or what vendors to talk to they insured my money and they the ones who released my money to these vendors so I think they should be the ones responsible to pay me the money that had been taken from me

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I call and spoke with an escalation supervisor named XXXX at FNBO and requested a refund to a checking account for an overpayment that left my XXXX credit card with a balance of - {$3000.00} on XX/XX/year>. I have not received it yet and when I spoke to a customer service rep named XXXX she again told me it could take up to 45 days to process this request and she had no other information for me. I was under the impression that due to the Truth and Lending Act they had to process that request in a timely manner and to me 45 days is not timely.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a perfect history of automatic payments with Citibank. My final payoff payment briefly bounced due to a banking glitch but successfully cleared just one day later, bringing my balance to XXXX. Citibank then assessed a {$20.00} fee. Frontline chat agents refused to issue a first-time courtesy waiver, leading me to close the account. I am requesting that Citibank manually clear this remaining {$20.00} residual balance on my closed account as a matter of good faith.

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