vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Issue : Improper monthly service fees after undisclosed minimum balance change Company : Wells Fargo Bank Complaint : Wells Fargo has been charging me a XXXX XXXX monthly service fee beginning in early XXXX after increasing the minimum balance requirement for my checking account from {$500.00} to {$1500.00}. I was not properly notified of this adverse change, and the fees began appearing without any advance communication. I maintained the previously required {$500.00} minimum balance for years. The sudden increase to {$1500.00}, combined with the lack of clear notice, resulted in repeated fees that I did not agree to and could not reasonably anticipate. Under XXXX CFR XXXX ( a ) ( XXXX in XXXX XXXX ), banks must provide at least XXXX days advance written notice before implementing any change that negatively affects customers. I did not receive any such notice by mail, email, or secure message. When I contacted Wells Fargo, they were unable to provide proof of when or how the notice was sent. They were not able to confirm the date of change in the requirement. This appears to be a broader issue affecting other customers as well, based on public complaints describing the same fee increase and lack of notice. Requested resolution : ( XXXX ) Full refund of all XXXX XXXX monthly service fees charged since the minimum balance requirement was raised, a total of {$90.00}. ( XXXX ) Documentation showing when and how Wells Fargo claims to have notified me of the change. ( XXXX ) A review of whether my account qualifies for any feewaiver criteria that should have prevented these charges. I am submitting this complaint because Wells Fargo has not resolved the issue directly, and I believe these fees were charged unfairly and without proper disclosure. Consumer : XXXX XXXX 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 monetary relief
Consumer complaint received 2026-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Renton Collection agency sent a claim that i oww a test to XXXX XXXX XXXX The profided not proof that this was my legal dept an

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
On XX/XX/year> JOHNSON MARK LLC XXXX. XXXX XXXX, XXXX, UT XXXX represented by XXXX XXXX ( XXXX XXXX ) And XXXX XXXX XXXX ( XXXX XXXX ) filed a Judgement against XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, STATE OF ARIZONA XXXX XXXX XXXX, XXXX, AZ XXXX. I did not receive any Formal Court Documentation, and never had any Court Processor knock on the door to serve Court Documentation stating FEDERALLY EXEMPT Wages were to be garnished. I never received any documentation via mail, not via e-mail, I received no Court Order regarding this Federally Illegal Court Order. I was never given an opportunity to respond to this Court Order. The reason I knew about any type of wage garnishment is because they took from my payroll, which hurt my family terribly. This put us in a hardship that we are still fighting to dig out of. They had to of Forged Signatures, my signature because I would have made absolutely sure I responded to these Court Documents based on my Federal Exempt Status and Non-Notification of wage garnishment, which is Federally Illegal. Both are Federally Illlegal. This is wrong and should never happen to anyone else ever again.

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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for the Citi AAdvantage XXXX XXXX on XX/XX/XXXX and got accepted. When I was prompted to make an account, I got timed out of the website, and was then not able to make an account and access my credit card information to make a purchase. I then called them and they told me I had to wait 7-10 business days in order to make the purchase and access my card. It is now over two weeks since that happened, and my card never came in, and I called Citi and they told me the card was returned because it failed to deliver, and they issued me a new card, but the card is still going to take another 4-7 business days to deliver. It is ridiculous how Citi can not help me during this, and how I have not received any help or anything for an issue that is not my fault. They aren't able to expedite it or provide me with any details to make a purchase. I have been wanting to buy flights on this new card.

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 2026-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
This all started XXXX a romance scam from someone by the name of XXXX XXXX. He was on a dating site, and all of a sudden, he started telling me he needed help and his account was frozen. Of course, a promise to pay back. So, the XXXX payment was sent to a XXXX XXXX with a cashier 's check with check XXXX XXXXXXXX in the amount of {$9000.00}. And I had to pay other charges in order to get this payment to work. I had to sell my stock and that came to {$10000.00}. I also had to pay federal taxes on this money for {$1000.00}. I had to pay for miscellaneous expenses involving travel time to get this check depo into her account. I had to sell the stock which cost me {$2000.00} and other expenses that came to {$500.00} in miscellaneous fees as well. Cost of check, travel expenses and the other expenses to make this happen. The grand total came to {$17000.00} from this woman by the name of XXXX XXXX. This money came from my XXXX account that I used to have that has an address of XXXX XXXX XXXX in XXXX Wisconsin XXXX. This money was a bank-to-bank transfer to her Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX The cashier 's check was for {$9000.00}. I had sent her a voicemail regarding this matter, and she claims she didn't keep the money. But I reminded her that she aided the scammers and she's a party to a crime as well for what she did, she knew was wrong, and should have never accepted this money at all from me and sent it back to my account. But she moved forward with her plan. There was a police report filed on this in XXXX XXXX Wisconsin. This was done on XX/XX/year> with XXXX XXXX. The report XXXX XXXXXXXX is the report number.

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I, as a Regions Bank customer, I called the Regions Bank costumer service to report an issue that the online Regions Lockit app failed to function, because some transactions still went through after I set the Regions XXXX key on. Then the banker told me that the Regions XXXX don't cover the transaction 100 % that some transaction can still go through, then she instantly stated that the transaction that went through was a fraud that she was closing my bank card. I stated that do not close my bank card, I have learned my lesson that I did not know the Regions XXXX doesnt work 100 % but I know now that I will no longer use the Regions XXXX function any more to manage my transaction. Then the banker said she would transfer my call to a different banker, then the phone call got dropped. After that phone call, I had an unsure feeling of not knowing what would happen next with not receiving any Regions notification through both cell phone and email. So, I made a XXXX phone call to resolve any dispute that occurred in the previous phone call. I got a clear statement that the bank card wasn't closed and there is no issue occurring that everything was fine. I emphasized that I learned my lesson of knowing the Regions XXXX function don't cover the transaction 100 % that I will no longer use that function again and added that all the miscommunications are resolved and don't close my card. The XXXX expressed with good understanding and agreed with my statement. I made XXXX phone calls to try to resolve any issues, and I thought all the issues were resolved by the end of the second phone call. Shortly after the second phone call, I made a purchase for approximately {$12.00} without issue. Later, I went to a tire shop and had work completed on my vehicle. When I attempted to pay, the transaction was declined and the cashier informed me that the account was closed. I was not aware that my card had been closed because I had received no notification by phone, text message, email, or mail. As a result, I was placed in a severe and embarrassing situation because services had already been provided and I did not have cash or another bank card available to pay for the completed work. During my calls with Regions, I had specifically informed the representatives that I was traveling in Nevada and depended on this bank card for access to my funds. I explained that losing access to the card while traveling could leave me stranded without the ability to pay for essential expenses. Despite these communications, my card was closed without my knowledge and without any notice to 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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The dates are all over the entire account well over a year from my XXXX loan that I was paying that I saw coming out of my account but somehow it's disappeared in the XXXX loan seems to have not been paid but I know for sure it was coming out of my account the XXXX loan goes into fault knowing that Wells Fargo backs up XXXX Loans there's something weird going on and I can see the amount in my account and then I don't see it when I contact them they don't send me any information so there's nothing to send you they send me an email saying there's nothing found they are investigating themselves so the fraud is within the company it's not the first time they've done it to my account there's no possible way I pay my XXXX loan for a year and all of a sudden it's going to default I paid it out of the fault already so I'm not sure where that money went it was only a {$6000.00} loan it's sitting at {$5800.00} still once I checked it so there's something going on between the bank and the XXXX loan

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 2026-06-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hi my name is XXXX XXXX I work for XXXX and I get direct deposit through us bank my card wasnt working at the atm I call us bank they asked for proof of identity I faxed spend XXXX XXXX on faxing call them back and they claimed they never received anything I have my hr call them multiple times and they claim my id was fake and how they never received any faxing

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 2026-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. My personal information was breached and used without my authorization. Specifically : Unauthorized credit card accounts have been opened and used in my name. Fraudulent charges have appeared on credit card issuers, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXXI did not authorize these account or transactions.

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 2026-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Here you go, XXXX your CFPB complaint is now fully written and ready to submit. All you need to do is copy/paste it into the CFPB form . You can file it here : File CFPB complaint -- - CFPB Complaint Final Version ( Copy/Paste Ready ) Company : Citibank Issue : Wrongful account closure and withholding of deposited funds What happened : I deposited a check into my Citibank account . The bank accepted and processed the check, then immediately closed my account without prior notice or a valid explanation. After closing the account, Citibank restricted my access to the funds from the deposited check. I was not informed of any issue with the check, nor was I provided documentation showing that the check was returned or fraudulent. Citibank has not provided a clear reason for the closure, has not returned my funds, and has not given me any written notice explaining their actions. This has caused financial hardship, including loss of access to my own money and disruption to my financial obligations. What I am requesting : A written explanation for the account closure Immediate release of all funds legally belonging to me Confirmation of whether Citibank reported any negative information about me to XXXX or credit bureaus Removal of any inaccurate or harmful reporting, if applicable Reimbursement for any fees or financial harm caused by Citibanks actions

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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Closed account on XX/XX/year> in good standards didn't know it was still open until I seen it on my credit report bank of America in the amount of {$130.00} but account is supposed to be closed

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
am filing a complaint regarding the restriction of my XXXX access through Navy Federal Credit Union. My XXXX service was blocked due to alleged fraud concerns. However, I do not owe any money, and the transactions in question consisted of payments that I received from other individuals through XXXX. I contacted Navy Federal to understand the reason for the restriction and to seek restoration of my XXXX access, but I have not received a satisfactory explanation or resolution. To my knowledge, I did not engage in fraudulent activity, and I have not been provided evidence showing that the incoming payments were unauthorized or improper. The restriction has prevented me from using XXXX and has negatively affected my ability to receive payments. I am requesting : 1. A clear written explanation of the reason for the restriction. 2. Any documentation or evidence supporting the fraud determination. 3. A review of my account and XXXX access. 4. Restoration of my XXXX privileges if there is no evidence of wrongdoing on my part. I am seeking a fair investigation and prompt resolution of this matter.

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 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX keeps sending me bill after bill when I never authorized the timeshare company, XXXX XXXX XXXX, to share my account with them. The timeshare is working with a third party that I never gave consent to. It all started with me being scammed into purchasing a timeshare with XXXX. After finding out all the lies, I refused to continue payment, since the terms agreed upon during purchase are not what I received, and now XXXX is on my tail. It is harassment! They are doing XXXXXXXX XXXX dirty work. To me, they are just as dirty as XXXX! They refused to acknowledge any of my actions reaching out to them, asking them to return my account to XXXX so I can continue my cancellation dispute process with them. They ignored every attempt that I made.

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 2026-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX financed through Ally Financial. After purchase, I experienced repeated mechanical and engine-related concerns. The vehicle was inspected multiple times, but the problems continued. I later received notices from XXXX regarding safety recalls and service campaigns affecting certain XXXX XXXX XXXX vehicles, including notices related to engine defects and possible loss of power while driving. Because of my ongoing concerns regarding the vehicle 's reliability and safety, I returned the vehicle to the XXXX dealership. At the dealership, XXXX XXXX acted as an interpreter because I have limited XXXX proficiency. During that meeting, XXXX XXXX, who was the dealership manager at that time, was present. I was told there was " no problem '' and that I would not have to pay anything further regarding the vehicle. Based on those representations, I surrendered the vehicle, delivered the keys to the dealership, and accepted a replacement vehicle under separate financing. I was never clearly informed that I would remain responsible for a large deficiency balance after surrendering the vehicle. Later, Ally Financial sold the vehicle on XX/XX/XXXX, for approximately {$21000.00} and informed me that I owed a deficiency balance of approximately {$27000.00}. I do not dispute that Ally Financial provided a mathematical calculation of the deficiency balance. My concern is that I relied on the dealership 's representations that I would not owe anything further when I surrendered the vehicle. I am requesting a review of the circumstances surrounding the surrender of the vehicle, the representations made by the dealership, and the resulting deficiency balance. I respectfully request assistance in resolving this dispute.

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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA failed to issue and deliver a standard renewal credit card prior to my previous card 's expiration, causing an internal system lockout. As a result, I have been deprived of access to my line of credit for 5 consecutive days. When I contacted USAA on XX/XX/XXXX, XXXX and XXXX of XXXX, frontline customer service refused to provide standard accommodations ( such as waiving expedited shipping fees or pushing a digital wallet token ). When escalated, USAA stated their 'specialist team ' was unavailable and told me to wait another 2 business days. USAA has effectively frozen my purchasing power due to their own administrative error. I am seeking immediate restoration of account access via overnight shipping or digital token, and a financial credit for the severe disruption. * * * REMOVE FOR PUBLIC ENTRY/ FOR USAA COMPLIANCE ONLY * * * USAA Internal Case Number : XXXX Representative / Worker ID : XXXX # 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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I did not use my BoA credit card for any purchase for many years, my credit card is expiring in XX/XX/2026, and I did not receive the replacement card, but recently the credit card has been made many fraud charges. I received BoA IM inquiries for some unauthorized charges which asked me to response with " Yes or No '' for each charges and I responded " No '' for all fraud charges. BoA indicated that the card is being restricted. But I received a surprising bill notice of {$210.00} balance due. When I reported all charges are fraud charges, BoA customer service personal told me that the {$210.00} charges were went through, you are responsible for the fraud charges, which I did not do. BoA rejected all fraud charges claims and kept billing me for the {$210.00} balance due. I am victimized by the thieves first, and then BoA trying to make me to pay all fraud charges. I sent BoA police report, my work location and my work attendance timesheet to prove where I was during the XXXX month, when the fraud charges happened. I also sent them my work ID cards and driver license with my photos, physical height and signature for investigation. Since the fraud charges is in person, BoA can verify with store video and signed receipts. It is unfair to make credit card fraud charge victim to pay all fraud charges.

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